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Six Months on Pay-Per-Mile: What One Low-Mileage Household Paid
A reader shares six months of pay-per-mile bills for a car that mostly sits—and what the comparison against the old policy looked like.
By Hana Sato · Writer
Published
Answer in brief
Average monthly bill fell from $118 to $71 for identical coverage on a second car driven about 350 miles a month. Two road-trip months were higher but still under the old premium thanks to the daily cap.
A reader household in Oregon moved their second car—a ten-year-old hatchback used for errands—to a pay-per-mile policy and shared six months of statements.
The numbers
| Month | Miles | Per-mile charge | Base | Total |
|---|---|---|---|---|
| 1 | 310 | $18.60 | $48 | $66.60 |
| 2 | 280 | $16.80 | $48 | $64.80 |
| 3 | 720 (road trip) | $37.20 (capped days) | $48 | $85.20 |
| 4 | 340 | $20.40 | $48 | $68.40 |
| 5 | 290 | $17.40 | $48 | $65.40 |
| 6 | 610 (road trip) | $30.60 | $48 | $78.60 |
Average: about $71 a month against $118 on the previous conventional policy for identical coverage—a saving of roughly 40%. The who saves guide explains why a second car is the ideal case.
Guides referenced in this post
Guide
Who Saves With Pay-As-You-Go Insurance
The driver profiles that benefit from pay-as-you-go pricing—remote workers, retirees, second cars, city dwellers, students—and the ones who should avoid it.
Guide
How to Compare Pay-As-You-Go Insurance Quotes
A method for comparing pay-per-mile, telematics and conventional quotes on equal terms: realistic mileage, identical coverage, daily caps, surcharge rules and data terms.