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Why is auto insurance ridiculously overpriced for those who drive few miles?
Many services charge prices that do not scale linearly with usage.  This is because the service provider has fixed costs that they must recoup by charging a rate with a fixed component.  A 5-mile taxi ride is unlikely to cost half what a 10-mile taxi ride costs.  Even a half sandwich at a sandwich place usually costs more than half of what a full sandwich costs.  In this respect, insurance is no different from many other items you may purchase.