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Driving an older car in Utah? Learn how high mileage affects premiums and coverage. Get expert tips on affordable car insurance in Salt Lake City.
Driving a high-mileage car in Salt Lake City might save you money upfront — especially with no monthly payments — but what about insurance? Whether your vehicle has 100,000 miles or 250,000, insurers see it differently than a newer car. Understanding how mileage impacts your coverage and premium can help you make smarter insurance decisions.
Here’s what Salt Lake City drivers need to know about insuring high-mileage vehicles.
Car insurance companies calculate risk based on how likely you are to file a claim. One of the biggest indicators? How much your car is driven.
Higher mileage = more wear and tear
Older, well-used vehicles may be more prone to breakdowns
Repairs may cost more than the vehicle’s value
Higher chances of liability due to mechanical failure
But high mileage doesn’t always mean higher premiums — especially if you’re savvy with how you set up your coverage.
This is the big question for high-mileage vehicle owners.
If your car has little market value (say, under $4,000), carrying comprehensive and collision coverage might not make financial sense. Why? Because your deductible could exceed your payout in an accident.
Consider this:
If your car is worth $2,500
Your deductible is $1,000
Your insurer may only pay you $1,500 (or less) after a claim
In that case, liability-only coverage could be the smarter (and cheaper) choice.
Driving an older car means your vehicle history matters more to insurers and underwriters.
To potentially lower your premium:
Maintain a clean service history
Keep records of oil changes, tire replacements, and major repairs
Prove your car is still safe to drive despite the mileage
A well-maintained car signals lower risk, even if it has over 150,000 miles.
Not all insurers treat high-mileage vehicles the same. Some companies specialize in:
Older or budget vehicles
Pay-per-mile insurance models
Drivers looking to keep only liability coverage
Salt Lake City drivers can benefit from working with providers familiar with the local landscape, climate, and common vehicle types.
If you’re looking for a provider that understands the nuances of high-mileage vehicles, start with this guide to car insurance in Salt Lake City to compare affordable and tailored options.
Even with an older vehicle, you can lower your rates by:
✅ Increasing your deductible
✅ Taking a defensive driving course
✅ Bundling auto and renters/home insurance
✅ Reducing coverage on aging vehicles
✅ Asking for a low-mileage discount if your daily driving has decreased
High-mileage vehicles aren’t necessarily expensive to insure — if you know how to structure your policy. In Salt Lake City, where weather, elevation, and daily driving habits can vary greatly, choosing the right coverage is key to staying protected without overpaying.
Don’t guess. Compare policies and consult with providers who understand how to properly insure aging vehicles.
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