Somebody who drives 5 miles to work every day is in a lesser chance of being in an accident than someone who drives 25 miles to work each day; therefore the individual driving 25 miles to work is going to need to pay a higher premium than the individual driving 5 miles to work. It works exactly the exact same for the individual driving 50 miles to work which is going to have to pay more in insurance than the individual driving 25 miles.