Third-party
Third-party insurance only pays out for damage done to someone else or their car or property â it doesnât cover you or your carÂ
Low mileage car insurance
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Compare cheap car insurance quotes from 207[3] providers
We work with the most trusted UK car insurance providers so you can compare cover and find the policy that's best for you. Save up to ÂŁ563[4] on your car insurance
What is low-mileage car insurance?
Low-mileage car insurance covers motorists who only drive a short distance each year (usually less than 6,000 miles). For example:
If youâre a university student and donât drive during term time
Youâre retired and no longer commute to a workplace
Although many factors affect your car insurance premium, in general the lower your mileage the less you will pay. This is because the less time you spend on the road, the less likely you are to have an accident and to make a claim on your insurance.
However, there is a limit to this. Traditional car insurers usually charge motorists who drive very few miles slightly more because they are considered inexperienced.
How does it work?
There are two main types of low-mileage car insurance:
Standard low mileage insurance: This is a traditional policy where the insurer adjusts your premium according to your annual mileage. A lower mileage can mean a lower premium.
Pay-as-you-go car insurance: You pay a fixed fee for basic cover and then you're charged for each mile you drive. This can be beneficial if you only use your car occasionally.
There are not many pay-per-mile car insurance providers in the UK. You can compare quotes from some of them on MoneySuperMarket if you fit their criteria.
Generally, you need to have an annual mileage under 6,000 miles a year.
đŁ Did you know?
Someone who drives 10,000 miles a year pays on average 3%[5] more for car insurance than someone who drives 2,000 miles.
What counts as low mileage?
under 6,000 miles
Which type of low-mileage car insurance do I need?
You will have three types of car insurance to choose from:
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Third-party, fire and theft
Third-party, fire and theft policies add cover for your own car if itâs stolen, or damaged by fire or an explosionÂ
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Fully comprehensive
Fully comprehensive cover offers everything included above, but also adds a range of other cover options for you and your vehicleÂ
How do I calculate my annual mileage?
Look at your MOT certificate. Simply visit GOV.UK and put in your vehicle registration to check your MOT history and the mileage for your last two MOTs. You can then calculate the difference between the two figures. But youâll still need to think about your future journeys and whether you may do more of less miles
Use our annual mileage calculator: Work out how many miles you're likely to drive in the year ahead. The calculator covers how many miles you drive during a typical weekday, at the weekend and any one-off longer journeys. The tool can help you if youâre a new driver without an MOT history
Factor in any change in your circumstances. For example, you might have moved jobs and have a longer commute
What is covered by my car insurance?
Individual policies vary but hereâs what you can usually expect from a comprehensive policy:
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Usually covered
Damage to your car: From an accident, fire, vandalism or a natural disaster such as storm damage
Theft of your car: You'll get a replacement vehicle if yours is stolen
Third-party damage caused by your vehicle: Youâll be covered for damage you cause to a third party, their vehicle or their property
Personal injury: Offers compensation if youâre seriously or fatally injured in a road accident
Windscreens: Youâll often be able to claim for a windscreen repair or replacement if you get a windscreen chip or a cracked windscreen
Third-party medical expenses: If you cause an accident, the cost of medical treatment for each person injured in the other vehicle
Legal expenses: Pays out for legal costs related to a claim
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Usually not covered
Wear and tear: Normal wear and tear on your car that's expected over time, such as brake pads and tyres needing to be replaced
Invalid driving licence: If you or another named driver is driving without a valid licence (e.g. if it's out of date), you won't be covered
Driving under the influence: Anything that occurs while you are driving under the influence of drugs or alcohol will not be covered
Additional drivers: If a person is not a named driver on your policy, it is unlikely that they will be covered
What add-ons can I get with my car insurance?
You can usually add the following onto your insurance policy, for an extra cost:
Car keys cover
Covers the cost of replacing lost, damaged or stolen keys. If your car has keyless entry it will be more expensive to replace your key fob than if you have a standard car key so this might be a worthwhile add-on to your insurance. Some comprehensive policies may include cover for car keys.
Wrong fuel cover
Covers the cost of draining and cleaning the fuel tank if you accidentally put the wrong fuel type in your car (known as misfuelling).
Personal belongings cover
Personal belongings cover offers protection for your belongings in the event your car is stolen. Some comprehensive car insurance policies may include this or it may be covered under your home insurance.
No-claims discount cover
Protects your no-claims discount by letting you make a certain number of claims within a year before it affects your premiums. Building a no-claims discount will reduce your premiums over time and if youâve had no claims for several years you might want to protect it. But youâll need to pay extra to do so.
How can I reduce my annual mileage?
Car-sharing: Consider car-sharing services or carpooling with colleagues or neighbours. This can significantly reduce the number of miles you drive, especially for daily commutes.
Public transport: Utilising public transport such as buses, trains, or trams for your daily commute or occasional trips can reduce your mileage and help the environment
Walking and cycling: For short distances, opt for walking or cycling. This not only reduces mileage but also promotes a healthier lifestyle.
đĄ Top tip:47%[6] of MoneySuperMarket customers get a cheaper quote when they choose a lower mileage. Reducing it by over 5,000 miles saves ÂŁ26.61[7] on average.
What do I need to get a low-mileage car insurance quote?
It's quick and easy to compare car insurance quotes. We just need a few details from you:
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Details of the car
The carâs registration number if you know it. If not, the make and model is fine. Weâll also need the carâs age, value and any modifications or security improvements youâve made.
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Your details and your licence
Including your job, age and address, plus the same for any additional drivers on the policy. We'll also need to know what type of licence you have, how long you've had it, your claims and driving history.
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How many miles you will drive
Your annual mileage. We also need to know what you use the car for â social, commuting or business. Youâll also need to say where youâll keep the car at night for security.
Why should I compare car insurance quotes with MoneySuperMarket?
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Save money
Save up to ÂŁ563[4] on car insurance. Plus, we price match and give you ÂŁ15 if you find a cheaper deal[8]
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Earn rewards
Buy through us and get up to ÂŁ15[9], plus other SuperSaveClub rewards
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We're trusted
All the 207[3] insurers we work with are authorised by the Financial Conduct Authority (FCA)
Other ways to insure your vehicle
Alongside standard car insurance, there are other policies designed for specific needs:
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Multi-car insurance
Covers two or more vehicles under one policy, often for households or families. It can be cheaper than separate cover, though cars usually need to be kept at the same address.
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Temporary car insurance
Short-term cover lasting from one to 28 days, with some policies available for up to 90 days. Itâs useful for situations such as borrowing a car, test driving, or driving another vehicle while yours is being repaired.
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Business car cover
Required if you drive for work beyond commuting to one workplace.
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Learner driver insurance
Designed for provisional licence holders, this policy covers learners practising in their own car or a family memberâs vehicle, without affecting the car ownerâs main insurance.
What happens if I provide the incorrect information about my annual mileage?
Providing inaccurate information about your mileage, particularly underestimating it, could cause problems if you need to make a claim, especially if thereâs a big difference between the figure you state and your actual mileage.
Your insurer might:
Check your annual mileage on your MOT certificate
Refuse your claim
In a worst-case scenario, you might even be charged with insurance fraud if appears youâve deliberately underestimated your mileage to get a lower insurance premium.
However, if youâve made a simple mistake and your mileage is not significantly different your insurer is likely to just adjust your premium, require you to pay any difference and possibly pay an admin charge.
Can I get low-mileage insurance for a classic car?
Yes you can. Many classic car owners do low mileage. Perhaps because they only use their classic car on special occasions such as weddings or track days. So classic car insurancepolicies normally come with capped mileage, usually between 1,000 miles and 5,000 miles,
Unlike standard low-mileage cover, itâs expected that the car will only be used for leisure trips rather than commuting or business journeys.
Can seniors get low-mileage car insurance?
If youâre in your 60s you should be able to get standard low-mileage car insurance and potentially pay lower premiums as drivers in this age group are considered lower risk.
However, if you are in your 70s or older, an upper age limit might apply and your car insurance might be higher so you might need to shop around for specialist cover.
Do I still need car insurance when Iâm not driving my vehicle?
No, you donât need car insurance if your car is kept off the road, such as in a private garage, you donât use it and itâs been declared SORN (Statutory Off Road Notification).
However, while thereâs no legal requirement to have car insurance if your car is SORN, your car wonât be covered if itâs stolen or is damaged or destroyed in a fire.
Remember, you always need to have car insurance if your car is kept on a public road or car park.
What should I do if Iâm going to go over my mileage limit?
Contact your insurer if you think youâre going to go over your annual mileage limit. It should be able to change your policy. They will adjust your premium and you might have to pay more for your insurance, as well as potentially paying an admin fee, but it will protect you from having your policy cancelled altogether.
Will low mileage always reduce my car insurance premium?
Support with clearer data context and explain why mileage reductions may be outweighed by other rating factors.
No, low mileage does not always reduce your car insurance premium as lots of factors determine the price you pay. For example, if you make an insurance claim or are convicted of speeding your insurer will see you as âhigher riskâ and this could outweigh the fact you donât drive many miles.
However, if all the other factors that influence car insurance prices stay the same, lowering your mileage should reduce your cost. Our data shows that someone who drives 2,000 miles a year pays on average 3%[5] less than someone who drives 10,000 miles.
How does MoneySuperMarket create and review the content on its website?
At MoneySuperMarket, we want to give you clear, accurate and trustworthy information so you can make confident financial decisions for your circumstances.
Every page on our website goes through a careful editorial process before it is published. Itâs written or reviewed by one of our experienced experts, checked for accuracy, and updated regularly to reflect the latest information.
We do use AI tools to support our research and drafting, but a human editor is always in the loop to review, fact-check and approve everything before itâs published, so you can trust that what youâre reading is both reliable and up to date.
You can read more in our editorial guidelines.
How does MoneySuperMarket make money?
We get paid by the companies we work with, but the payment we get doesnât have any bearing on the information we provide. We get paid in different ways, depending on the type of product or service you buy through us. Our goal is to search deals from as wide a range of companies as possible, but we only show results from our partner providers.
Our comparison service is, and will always be, free to use.
Why should I use a price comparison website?
One of the best ways to get the lowest prices and best deals is to compare quotes from different companies. We do the work for you, comparing quotes side-by-side and giving you all the information you need so you can choose the right deal for your needs and your wallet.
We donât give recommendations or financial advice, but we give you clear information so you can choose financial products that suit your circumstances.
Does MoneySuperMarket work with all the providers on the market?
No, not every company can be included in our service. This is because some companies donât want their products included on comparison sites, and some decide that they would rather not pay a fee. There are also a few smaller providers who can struggle to cope with the volume of customers that can find their products if they appear on MoneySuperMarket.
Our goal is to search deals from as wide a range of companies as possible so that you can choose the deal that suits you.
Is car insurance eligible for SuperSaveClub and rewards?
Yes, you can earn SuperSaveClub rewards when you buy car insurance through MoneySuperMarket.
This includes:
Up to ÂŁ15, which you can withdraw as a pre-paid Mastercard or a gift card for brands like Sainsbury's and Amazon.co.uk
Free Days Out pass (worth ÂŁ180), which gives free entry to a range of UK attractions
Cashback of up to 10% when you spend at brands including eBay, Just Eat and Argos
To earn SuperSaveClub rewards on purchases you must:
Sign up to SuperSaveClub (it's free)
Be signed in to your account when you make the purchase
More information can be found on our SuperSaveClub homepage.
Is car insurance eligible for Price Promise?
Yes, car insurance is included in our Super Save Price Promise.
If you buy through us then find the same deal for less we will:
refund the difference
give you a gift card worth up to ÂŁ15
Terms and conditions apply. More information can be found on our Price Promise page.
Reviewed on 30 Oct 2026 by
Sources and supporting information
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[1]
SuperSaveClub restrictions and T&Cs apply. Click here for details.
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[2]
YouGov Survey 1st July 2025 to 30th June 2026. Net Recommend score derived from "Which of the following online service websites would you recommend to a friend or colleague, or tell them to avoid?" Base: Current Customers of (MoneySuperMarket n=17,883, Compare the Market n=16,193, Go.Compare n=8,523, Confused.com n=7,918, Uswitch n=514)
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[3]
Accurate as of 30 October 2026.
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[4]
51% of consumers could save up to ÂŁ563.86 with MoneySuperMarket Motor Insurance. Consumer Intelligence, 1-30 September 2026, Exc. NI, CI, IOM
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[5]
Based on MoneySuperMarket quoted policies for annual car insurance, between August 7th 2024 and November 5th 2024
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[6]
Based on the % of instances when a reduction in mileage provided returned a cheaper price for car insurance premiums enquiries on MoneySuperMarket made using the price optimiser tool from 30th July 2026.
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[7]
Based on the median difference in car insurance premiums enquiries on MoneySuperMarket made using the price optimiser tool from 30th July 2026.
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[8]
T&Cs apply to SuperSaveClub andPrice Promise.
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[9]
SuperSaveClub restrictions and T&Cs apply. Click here for details.
