How can frequent long-distance driving impact auto insurance?

Frequent long-distance driving can typically lead to higher premiums due to several factors related to risk assessment by insurance companies. When a driver frequently travels long distances, they are exposed to increased mileage, which raises the likelihood of being involved in an accident. Insurance companies calculate premiums based on various risk factors, including the driver's driving habits and history.

Long-distance driving often involves travel on highways, where drivers may encounter higher speeds and more traffic, potentially leading to higher risks of accidents. Additionally, increased road exposure over time can enhance the chances of mechanical failure or incidents beyond the driver's control. Consequently, insurers view this pattern as indicative of a higher risk profile, which usually results in elevated premiums to account for the increased likelihood of claims.

This understanding of risk is why the insurance industry tends to raise premiums based on driving frequency and distance, making long-distance drivers more susceptible to higher costs.