Annual mileage analysis
The miles you drive can matter very differently by insurer.
We compared filed mileage factors across California auto rate plans. The typical change was meaningful, but the gap between the least- and most-sensitive plans was much larger.
Published August 28, 2026 · California private-passenger auto · Informational, not a quote
Reviewed comparisons
23
Carrier-program pairs with comparable BI factors at 5,000 and 25,000 miles.
Median BI factor change
+51%
From 5,000 to 25,000 miles within the same filed plan.
Observed range
19–267%
The smallest and largest BI mileage-factor gradients reviewed.
These are rating factors, not premium changes. A final price also depends on base rates, ZIP code, vehicle, driving record, limits, deductibles and discounts.
Mileage tool
Check your miles in one card.
Enter annual miles and, if you want, your insurer. The full plan-by-plan comparison stays on this page.
What stands out
Mileage is a pricing profile, not one universal discount.
Sensitivity varies
The Hartford's reviewed BI curve changed 18.7% from 5,000 to 25,000 miles. Integon Summit's changed 266.7%. Neither number ranks the final premium.
Breakpoints matter
Filed plans use bands rather than one smooth price-per-mile curve. Crossing a band can matter more than the number of miles alone suggests.
Proof can matter
Some filings distinguish estimated mileage from verified odometer data. The factor difference is largest for lower-mileage examples reviewed here.
Interactive explorer
Compare each plan with its own 10,000-mile baseline.
This shows how the filed mileage factor moves within a plan. It does not rank total prices across insurers.
Median change
+28.8% vs 10k
Median filed factor
1.298
Change range
+14.3% to +96.8%
Make it personal
Use 25,000 miles in your price profile.
Add your ZIP and current premium to see the most relevant filing-backed insights. No contact details are needed to see them.
IntegonPrime PPALower than 10kHigher than 10k1.931+96.8% vs 10k
Filed company: Integon National Insurance Company · NAIC 29742
Source document: 0f95c2fd-3c73-4d91-8a8d-d9ef8946fd23
Coast NationalPrivate Passenger AutoLower than 10kHigher than 10k1.831+93.6% vs 10k
Filed company: Coast National Insurance Company · NAIC 25089
Source document: 9ab62a3a-7229-43d4-938f-b65339bcebe0
IntegonSummit PPALower than 10kHigher than 10k1.760+76.0% vs 10k
Filed company: Integon National Insurance Company · NAIC 29742
Source document: 767cdb84-c88a-41f6-b169-6bd8ce9da0ae
InfinityRSVPLower than 10kHigher than 10k1.650+71.9% vs 10k
Filed company: Infinity Insurance Company · NAIC 22268
Source document: 985c7f6f-44f7-4a1e-8e71-1c4b585ede84
CONNECT by American FamilyPrivate Passenger AutoLower than 10kHigher than 10k1.515+62.2% vs 10k
Filed company: American Family Connect Property and Casualty Insurance Company · NAIC 29068
Source document: 2cdb3c95-4116-4580-b169-c3efdcd9e599
Progressive DriveCA Drive AutoLower than 10kHigher than 10k1.700+61.9% vs 10k
Filed company: Drive Insurance Company · NAIC 27804
Source document: 03a693ac-f2a6-40be-9064-7d5c0cbeabb3
Source table: 2b1e7753-8e93-40f8-b93f-bbeae139ba1e
Progressive SelectCA Select PPALower than 10kHigher than 10k1.730+53.1% vs 10k
Filed company: Progressive Select Insurance Company · NAIC 10192
Source document: 979301b1-9841-4640-8486-dd1a07659aa7
SafecoPrivate Passenger AutoLower than 10kHigher than 10k1.597+52.5% vs 10k
Filed company: SAFECO Insurance Company of America · NAIC 24740
Source document: fc1a2359-8651-400b-b18b-9b28eb69a5cb
Source table: 62d09de6-bd99-4f2f-8779-633b95a69d34
United FinancialUFCC PPALower than 10kHigher than 10k1.250+42.0% vs 10k
Filed company: United Financial Casualty Company · NAIC 11770
Source document: dde8b420-ee76-4d4e-919b-7cfd1e4625cd
TravelersQuantum Auto 2.0Lower than 10kHigher than 10k1.340+40.9% vs 10k
Filed company: Travelers Commercial Insurance Company · NAIC 36137
Source document: 21d9f64d-0fd7-4c62-8736-89d64ebb59d1
A filed mileage cliff
One band boundary, a 77% change in the BI factor.
In Integon's Summit PPA table, the BI factor moves from 0.480 below 6,000 miles to 0.850 in the next band. This is a factor change inside the formula—not a 77% quote increase.
Source: document 767cdb84-c88a-41f6-b169-6bd8ce9da0ae, page 70
0–5,999 miles
0.480
6,000–6,999 miles
0.850
Verified mileage
Low-mileage proof can change the category.
Two reviewed filings distinguish an estimate from odometer-based or program-verified mileage. The advantage narrows as mileage rises.
AAA / Automobile Club
BI mileage factor
At 5,000 miles
Estimated
0.981
Verified
0.876
10.8% lower factor than estimated
| Miles | Estimated | Verified |
|---|---|---|
| 5k | 0.981 | 0.876 |
| 10k | 1.074 | 0.949 |
| 15k | 1.107 | 1.041 |
| 25k | 1.206 | 1.167 |
Source and program details
Interinsurance Exchange of the Automobile Club · Private Passenger Auto
Document 22460b37-a263-4391-9135-849fb1901ddc, page 16
Mercury RealDrive
BI mileage factor
At 5,000 miles
Estimated
0.904
Verified
0.755
16.5% lower factor than estimated
| Miles | Estimated | Enrolled | Verified |
|---|---|---|---|
| 5k | 0.904 | 0.850 | 0.755 |
| 10k | 1.076 | 1.013 | 0.984 |
| 15k | 1.164 | 1.100 | 1.100 |
| 25k | 1.546 | 1.546 | 1.546 |
Source and program details
Mercury Insurance Company · Private Passenger Auto
Documents 8c4f0922-0ee0-41ba-890d-8af72715d8ee pages 1–3 and 01635640-9f05-4b7e-9fb0-f6e8e02cd50e pages 19–20, 26
Table c2e6814e-03d6-4e99-b49a-bf32fe2fc740
How to read this
Factor, not quote.
A factor of 1.000 is neutral within that plan's filed formula. A factor of 0.800 or 1.200 modifies only the part of the calculation to which it applies. It does not mean the final premium is 20% below or above another insurer.
The comparison covers 29 reviewed annual-mileage tables. The interactive section displays 21 distinct BI curves across 23 carrier-program pairs; identical reviewed curves are shown once and disclosed in the source detail.
Some plans use additive adjustments, telematics status or odometer-verification branches that cannot be combined honestly with a simple multiplier comparison. Those plans are excluded from the main chart or discussed separately.
Analysis generated 2026-08-28. Filing tables can change. Confirm current program rules with the insurer.
Read the source methodology