Ever wondered if you’re driving more or less than the average American? The Federal Highway Administration says that the average U.S. driver clocks in around 14,263 miles annually. That’s almost 1,200 miles each month – a distance comparable to driving from Los Angeles to Oklahoma City annually! This figure isn’t just a fun fact; it can significantly influence your car insurance costs. The more you drive, statistically, the higher the risk of accidents or vehicle damage.
This article delves into the fascinating world of mileage statistics, breaking down averages by state, age group, and gender. We’ll also explore how your annual car mileage can impact your insurance premiums and what you can do to potentially save money.
Average Car Mileage Across the United States
While the national average provides a good benchmark, driving habits vary considerably across different states. California might record the highest total miles driven annually at a staggering 340 billion, but when we look at per capita mileage, Wyoming takes the lead with approximately 24,000 miles per driver each year.
Here’s a detailed table showcasing the average annual mileage by state:
| State | Average Annual Mileage |
|---|---|
| Alabama | 17,817 |
| Alaska | 11,111 |
| Arizona | 13,090 |
| Arkansas | 17,224 |
| California | 12,524 |
| Colorado | 12,899 |
| Connecticut | 12,117 |
| Delaware | 12,609 |
| District of Columbia | 7,013 |
| Florida | 14,557 |
| Georgia | 18,334 |
| Hawaii | 11,688 |
| Idaho | 14,417 |
| Illinois | 12,581 |
| Indiana | 18,024 |
| Iowa | 14,745 |
| Kansas | 14,781 |
| Kentucky | 16,305 |
| Louisiana | 14,951 |
| Maine | 14,215 |
| Maryland | 13,490 |
| Massachusetts | 13,109 |
| Michigan | 14,307 |
| Minnesota | 17,909 |
| Mississippi | 19,966 |
| Missouri | 18,521 |
| Montana | 15,880 |
| Nebraska | 14,836 |
| Nevada | 14,016 |
| New Hampshire | 11,570 |
| New Jersey | 12,263 |
| New Mexico | 19,157 |
| New York | 10,167 |
| North Carolina | 16,073 |
| North Dakota | 17,671 |
| Ohio | 14,278 |
| Oklahoma | 17,699 |
| Oregon | 12,218 |
| Pennsylvania | 11,445 |
| Rhode Island | 9,961 |
| South Carolina | 14,941 |
| South Dakota | 15,541 |
| Tennessee | 15,287 |
| Texas | 16,172 |
| Utah | 15,516 |
| Vermont | 13,004 |
| Virginia | 14,509 |
| Washington | 10,949 |
| West Virginia | 16,876 |
| Wisconsin | 15,442 |
| Wyoming | 24,069 |
It’s important to remember that average annual mileage is just one of many factors insurance companies consider. Other elements like your location, road types you frequently use, and even local weather patterns also play a role in determining your car insurance premiums.
States with the Highest and Lowest Average Miles Driven Annually
Why do average miles driven vary so much from state to state? Let’s examine the states at the extremes to understand the influencing factors.
States Where People Drive the Most Miles Per Year
Generally, states with higher average annual mileage tend to be more rural. While some of these states may contain large metropolitan areas, these cities are often surrounded by vast rural landscapes. In less densely populated areas, public transportation is often less developed, making personal vehicles the primary mode of transport. This necessity for driving longer distances for everyday tasks contributes to higher average mileage.
Here are the top 10 states with the highest average miles driven annually:
| State | Average Miles Per Year |
|---|---|
| Wyoming | 24,069 |
| Mississippi | 19,966 |
| New Mexico | 19,157 |
| Missouri | 18,521 |
| Georgia | 18,334 |
| Indiana | 18,024 |
| Minnesota | 17,909 |
| Alabama | 17,817 |
| Oklahoma | 17,699 |
| North Dakota | 17,671 |
States Where People Drive the Fewest Miles Per Year
Conversely, states with the lowest average annual mileage are typically more urbanized or possess extensive public transportation networks. In densely populated urban centers, public transit options like subways, buses, and trains are often more convenient and cost-effective than driving. This accessibility to alternative transportation methods leads to lower average car mileage in these regions.
The states with the lowest average miles driven annually are:
| State | Average Miles Per Year |
|---|---|
| District of Columbia | 7,013 |
| Rhode Island | 9,961 |
| New York | 10,167 |
| Washington | 10,949 |
| Alaska | 11,111 |
| Pennsylvania | 11,445 |
| New Hampshire | 11,570 |
| Hawaii | 11,688 |
| Connecticut | 12,117 |
| Oregon | 12,218 |
How Age Impacts Average Driving Mileage
Demographics play a significant role in driving habits. Age is a key factor. Interestingly, drivers in the youngest age bracket (16-19) and the oldest (65+) drive roughly the same number of miles annually. The highest mileage is clocked by those in their prime working years, between 20 and 54. This group encompasses individuals commuting to work, families managing school runs, and participation in various extracurricular activities, all contributing to increased time behind the wheel. It’s also notable that across all age groups, men generally drive more than women.
Here’s a breakdown of average annual miles per driver by age group:
| Age | Total Average Miles |
|---|---|
| 16-19 | 7,624 |
| 20-34 | 15,098 |
| 35-54 | 15,291 |
| 55-64 | 11,972 |
| 65+ | 7,646 |
| Average | 13,476 |
Gender Differences in Average Miles Driven
Data from the Federal Highway Administration reveals a significant difference in driving mileage between genders. On average, men drive approximately 6,000 more miles per year than women. This trend persists across all age groups, with men consistently driving more miles than women in every age category, from teenagers to senior citizens.
The table below illustrates the average annual miles driven by gender and age group:
| Age | Male Average Miles | Female Average Miles |
|---|---|---|
| 16-19 | 8,206 | 6,873 |
| 20-34 | 17,976 | 12,004 |
| 35-54 | 18,858 | 11,464 |
| 55-64 | 15,859 | 7,780 |
| 65+ | 10,304 | 4,785 |
| Average | 16,550 | 10,142 |
Why Your Mileage Counts When Calculating Car Insurance
Car insurance companies utilize various factors to assess risk and determine your premiums, and mileage is a significant one. The logic is straightforward: the more time you spend driving, the greater your exposure to potential accidents or vehicle breakdowns. Increased mileage equates to increased risk in the eyes of insurers.
If you are a low-mileage driver, typically defined as driving fewer than 7,000 miles per year, you might be eligible for a low mileage discount on your car insurance. This discount acknowledges the reduced risk associated with less time on the road.
Modern technology has enabled more precise mileage tracking. Some insurance providers now employ telematics devices installed in vehicles or smartphone apps to electronically monitor and verify vehicle mileage. This allows for more accurate premium adjustments based on actual driving habits.
Saving More Than Just Miles on Car Insurance
While annual mileage is a crucial factor, it’s not the only determinant of your car insurance rates. Other elements such as your age, vehicle make and model, and driving history also come into play. Fortunately, there are numerous ways to reduce your auto insurance costs. Exploring options like bundling your car and home insurance or taking advantage of safe driver discounts can lead to significant savings.
Consulting an independent insurance agent can be highly beneficial. They can provide personalized quotes from multiple insurers, taking all relevant factors into account to find you the best possible coverage at a competitive price. Understanding the Average Car Mileage Per Year and how it relates to insurance is a great first step in managing your car expenses effectively.
