Here’s a quick explanation:
- Farmers® doesn’t use your annual mileage* to determine auto insurance rates (except in California).
- Instead, rates based on miles driven by the average driver.
- Where you drive — not how far — is what really counts.
- Some locations experience more accidents than others.
Question My office is about thirty miles from my home. I drive to work every day, and sometimes even on Saturday. Will I pay more for car insurance because of my long commute?
Nick Chupp, a Farmers Insurance® agent in Toledo, Ohio, explains why driving long distances probably won’t impact your auto insurance rate with Farmers.
Answer There was a time when the length of your commute mattered. But times have changed, and Farmers no longer considers how many miles you drive*. Keep in mind that most accidents occur within five to ten miles of home. Our policies are designed around what most drivers do most of the time. So, even if you’re a high-mileage driver, it won’t affect what you pay for insurance.
What does make a difference is where you drive. The risk of an accident varies from one area to the next — driving ten miles to work in a rural area doesn’t carry the same risk as driving ten miles in an urban setting, for example.
*Except in California
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