Methods and systems for processing credits for customers having distance-based insurance policies for vehicles. According to aspects, a distance-based insurance policy of a vehicle specifies an amount of distance units for insured vehicle travel and has an associated policy term. Upon expiration of the policy term, an insurance provider receives an odometer reading and uses the odometer reading to calculate an amount of unused distance units. The insurance provider may determine one or more types of credit that are based on the amount of unused distance units. The insurance provider may also apply the one or more types of credit to an account of the customer.