Our score is a 4, although I don't know how. We're at least 5 miles away from anything (except a golf course), at least by car. Maybe they're doing as the crow flies. It's only 2 miles by boat, but I'm not going to the library in my kayak.
We probably drive 20+K miles/year, with 3K of those just going back and forth between FL and MD. I love to drive and we do a fair number of road trips. Plus it's 30 miles to the nearest real city (Salisbury MD). When in FL we seldom go more than 5 miles when running errands.
We have 4 cars for the two of us. Two are new, and one of those is our commuting between FL and MD van. The other is a convertible VW Beetle, just for fun.
The other two are old. One we leave in FL in the garage on jack stands when we're up north, and drive it when we're down there. It's a 2002 diesel Beetle, and cheap enough to own it's not worth getting rid of. Plus it gets 45 mpg. We'll just keep driving it until it dies.
The other old one is my 2004 Highlander, that I use to haul trash to the dump, mulch to the house, and four wheel up into the mountains to go camping. Things we wouldn't want me to use the van for. Again, so old it's cheap to own and too useful to get rid of until it dies. The Highlander and the new Beetle get stored in the garage when we're in FL.
Whichever ones are in the state we aren't in get put on liability insurance only, so they aren't costing us much for insurance when they aren't in use. I'm sure it doesn't make sense to some, but it works for us.