How Driving Less can Cut Your Auto Insurance Costs

August 19, 2025 | Insurance

Are you driving fewer miles these days? Whether you're working from home, retired, or just keep your car parked more often than not, there's good news: low-mileage discounts could help you save significantly on your auto insurance.

At Riseson Insurance , we help Arizona drivers in Tempe , Phoenix , Scottsdale , Tucson , Gilbert , and Chandler take advantage of every available discount — and if you're not logging many miles, this is one you shouldn't miss.

A low-mileage discount is a reduction in your car insurance premium based on how few miles you drive each year. Insurance companies know that the less time you spend on the road, the less likely you are to get into an accident — and they reward you for that lower risk.

Savings vary by insurer, but most low-mileage drivers can expect to save 5% to 20% or more on their premiums. If you're only driving occasionally, this could translate to hundreds of dollars saved annually.

While each carrier has slightly different rules, you may qualify if you drive less than 7,500 to 10,000 miles per year. Ideal candidates include:

Remote workers or hybrid employees Retirees College students who leave their car at home Carpoolers Drivers with a second vehicle used occasionally

Many insurers require a mileage estimate or vehicle odometer reading to verify your eligibility. Others use telematics (an app or device) to track actual mileage over time.

At Riseson Insurance, we're more than just a number on a policy — we’re your local insurance partner. We understand the lifestyle of Arizona drivers in places like Tucson, Chandler, Gilbert, Tempe, Phoenix, and Scottsdale.

Whether you're commuting less due to weather, working from home in Tempe, or retired in sunny Scottsdale, we’ll find the best insurance plan that reflects your current driving habits.

Low-mileage discounts can often be combined with:

Good Student Discounts Safe Driver Discounts Multi-policy Bundling Usage-based insurance programs Defensive driving course discounts

Let us help you bundle multiple discounts for the maximum savings.

If your car spends more time in the driveway than on the freeway, it’s time to start saving. Call Riseson Insurance at 602-460-5470 today to find out if you qualify for a low-mileage discount and other savings opportunities.

What Is a Low-Mileage Discount?

How Much Can You Save?

Who Qualifies for a Low-Mileage Discount?

Benefits of Working with a Local Arizona Insurance Agent

Combine Your Low-Mileage Discount with Others

Ready to Save on Auto Insurance?

  • Remote workers or hybrid employees
  • Retirees
  • College students who leave their car at home
  • Carpoolers
  • Drivers with a second vehicle used occasionally