{"dataset":"How Much Mileage Moves Your Car-Insurance Rate (Filed Factors)","description":"Filed annual-mileage rating factors from carrier SERFF filings — highest vs lowest bodily-injury mileage band within each carrier-state. Within-carrier-state only.","publisher":"FastAutoQuote","source":"State DOI rate filings via SERFF (filingaccess.serff.com), verified against the source PDF","license":"https://fastautoquote.org/terms-of-service","canonical":"https://fastautoquote.org/how-much-mileage-affects-car-insurance","pressContact":"press@fastautoquote.org","carriers":[{"carrier":"Mercury","state":"CA","serffTracking":"MERY-134091688","effectiveDate":"2024-04-30","coverage":"Bodily Injury","source":"Mercury Casualty, California — Annual Miles (Estimated) factor table, BI column.","caveat":"California (Prop 103) requires annual mileage to be a primary rating factor — the spread is far larger than in most states.","spreadMultiple":3.60,"lowest":{"band":"≤3,000 mi","factor":0.584},"highest":{"band":"≥35,001 mi","factor":2.102},"samples":[{"band":"≤3,000","factor":0.584},{"band":"7,001–8,000","factor":1.027},{"band":"12,001–13,000","factor":1.125},{"band":"19,001–20,000","factor":1.325},{"band":"29,001–30,000","factor":1.772},{"band":"≥35,001","factor":2.102}]},{"carrier":"Progressive","state":"IL","serffTracking":"PRGS-134785395","effectiveDate":"2026-01-30","coverage":"Bodily Injury","source":"Progressive Northern (PNIC), Illinois — Annual Miles Rating Factor Table, BI column.","caveat":null,"spreadMultiple":1.37,"lowest":{"band":"0–3,999 mi","factor":0.89},"highest":{"band":"30,000–99,999 mi","factor":1.22},"samples":[{"band":"0–3,999","factor":0.89},{"band":"10,000–11,999","factor":1.00},{"band":"16,000–17,999","factor":1.08},{"band":"24,000–26,999","factor":1.16},{"band":"30,000–99,999","factor":1.22}]},{"carrier":"GEICO","state":"PA","serffTracking":"GECC-134881413","effectiveDate":"2026-04-09","coverage":"Bodily Injury","source":"GEICO Marine/Choice, Pennsylvania — Annual Mileage Factor Table, BI column (Independent Agent).","caveat":null,"spreadMultiple":1.2,"lowest":{"band":"0–999 mi","factor":0.95},"highest":{"band":"25,000+ mi","factor":1.14},"samples":[{"band":"0–999","factor":0.95},{"band":"9,000–9,999","factor":1.00},{"band":"12,000–12,999","factor":1.05},{"band":"18,000–18,999","factor":1.10},{"band":"25,000+","factor":1.14}]},{"carrier":"State Farm","state":"VA","serffTracking":"SFMA-134688491","effectiveDate":"2025-12-11","coverage":"Bodily Injury / PD","source":"State Farm Mutual, Virginia — Rule 214 Annual Mileage Factors, BIPD (adult reference).","caveat":"State Farm files just two mileage tiers here; the low-mileage factor also varies slightly by age.","spreadMultiple":1.19,"lowest":{"band":"0–7,500 mi","factor":0.84},"highest":{"band":"7,501+ mi","factor":1.00},"samples":[{"band":"0–7,500","factor":0.84},{"band":"7,501+","factor":1.00}]}]}