State Farm has done that for as long as I can remember. Their cutoff is 7500 miles annually. There may be other cutoffs at higher mileages, but my mileage per car is pretty low being split between 3 cars.
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What if someone is a safe, high-mileage driver?
Even if an individual possesses excellent and safe driving habits, he is exposed to “dangerous” drivers and hazardous road conditions every time he drives. The more he drives, the greater his chances of having an accident. Therefore, the risk of an accident is correlated to the quantity of driving (roughly linear, all else being equal). MileMeter insurance is priced by the mile to reflect this risk factor and provide equitable pricing for everyone.
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I dont agree with this, but its their way of doing things, so take it or leave it. Ill leave it. I think your chances of an accident are greater driving 10 miles a day in city rush hour than 50 miles a day on a sparsely populated side road.