Auto Insurance for Telecommuters (2024)
Save up to 60% on auto insurance for telecommuters with a pay-per-mile or usage-based program. You may also qualify for a low-mileage discount to lower car insurance if working from home. Find the best car insurance for remote workers and see if you can get a work-from-home car insurance discount below.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
UPDATED: Oct 18, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Oct 18, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- You can save up to 60% on auto insurance for telecommuters with discounts, such as pay-per-mile or usage-based insurance
- State Farm, Geico, and Nationwide have the best car insurance for remote workers
- See if you qualify for any work-from-home car insurance discounts from the top providers
Auto insurance for telecommuters is up to 60% cheaper due to certain auto insurance discounts and programs designed to help remote workers and low-mileage drivers save. For example, since annual mileage affects auto insurance rates, you should also look for companies offering low-mileage discounts.
State Farm, Geico, and Nationwide are the best car insurance companies for working from home, offering affordable starting rates and significant low-mileage auto insurance discounts.
Below, we’ll overview everything you need to know about the best car insurance companies for remote workers, how to get lower car insurance if working from home, and insurers offering work-from-home car insurance discounts. Once you’re ready to buy a policy, enter your ZIP code above to compare telecommuting auto insurance quotes from various companies now.
Best Auto Insurance Companies for Remote Workers
You can usually find the best and cheapest auto insurance for telecommuters from State Farm, Geico, and Nationwide.
17,759 reviewsCompany Facts
Average Monthly Rate For Good Drivers
A.M. Best Rating
Complaint Level
Pros & Cons
17,759 reviews
19,116 reviewsCompany Facts
Average Monthly Rate For Good Drivers
A.M. Best Rating
Complaint Level
Pros & Cons
19,116 reviews
3,019 reviewsCompany Facts
Average Monthly Rate For Good Drivers
A.M. Best Rating
Complaint Level
Pros & Cons
3,019 reviews
Check out the table below to compare average car insurance rates from these top companies and more:
Auto Insurance Monthly Rates by Coverage Level and Provider
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| Allstate | $61 | $160 |
| American Family | $44 | $117 |
| Farmers | $53 | $139 |
| Geico | $30 | $80 |
| Liberty Mutual | $68 | $174 |
| Nationwide | $44 | $115 |
| Progressive | $39 | $105 |
| State Farm | $33 | $86 |
| Travelers | $37 | $99 |
| U.S. Average | $45 | $119 |
Read More About the Best Auto Insurance Companies for Remote Workers:
However, you should always compare telecommuting car insurance rates from the best auto insurance companies to find the best rates for you.
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Auto Insurance for Telecommuters: How to Save on Coverage
Auto insurance for telecommuters is cheaper than coverage for a frequent driver. More driving means more risk, and low mileage translates to lower risk, making annual mileage one of many factors that affect auto insurance rates.
Here are list of scenarios where you could earn savings on telecommuting car insurance:
- Telecommuting for work and/or school: If you are working or attending school remotely, you will spend very little time on the road, and you’ll be putting very little mileage on your car.
- Occasional commuting: You may still physically commute to work or school, but you may not commute daily. Perhaps you connect remotely on some days, and on other days you have to go into the office or class.
- Traveling home on the weekends: Maybe you commute just once weekly, staying overnight near to where you work or go to school. This would result in lower annual mileage and time spent on the road.
- Shorter-than-average commutes: Your daily commute may be shorter than average. Depending on the insurance company, according to KBB, a low-mileage commute is less than 20 miles each way or less than 7,000 miles annually.
If you’re asking yourself, “Should I tell my car insurance I work from home,” the answer is Yes. Even if you don’t work from home all the time, insurance rates for the occasional driver are lower too.
Low mileage discounts are not the only way to save by telecommuting. You may also consider:
- Pay-per-mile rates: Although the specifics vary from company to company, pay-per-mile insurance means the company charges you a low base rate and then an additional fee per mile you drive.
- Usage-based insurance: Usage-based insurance goes much farther than just factoring in mileage. These programs put a device in your vehicle or an app on your phone to track mileage, braking force, speeding, and other driving behavior that can impact your risk factor and increase or decrease your rates accordingly.
Take a look at this table to learn more about which of the major companies currently offer this type of insurance discount.
Low Mileage Auto Insurance Discounts by Provider
| Company | Percentage |
|---|---|
| 21st Century | Up to 25% |
| AAA | Varies |
| Allstate | Up to 20% |
| American Family | Up to 20% |
| Ameriprise | Up to 30% |
| Amica | Up to 15% |
| Country Financial | Varies |
| Esurance | Up to 15% |
| Farmers | Up to 10% |
| Geico | Varies |
| Liberty Mutual | Up to 12% |
| MetLife | Up to 15% |
| Nationwide | Varies |
| Progressive | Up to 30% |
| Safe Auto | Varies |
| Safeco | Up to 20% |
| State Farm | Up to 30% |
| The General | Up to 10% |
| The Hanover | Up to 15% |
| The Hartford | Up to 15% |
| Travelers | Varies |
| USAA | Up to 20% |
As you can see when you look at the data, we only have the discount percentage information for a few of the companies that offer this type of discount. Not only do these factors offer possible savings, but they put you in control of your rates and offer you flexibility. (Read more: Travelers IntelliDrive App Review)
See more details about pay-per-mile programs currently on the market in the table below.
Pay-Per-Mile Program Details by Insurance Company
| Insurance Companies | Low-Mileage Program Name | Device Used | Enrollment Discount (Maximum Possible % Savings) | Earned Savings (Maximum Possible % Savings) |
|---|---|---|---|---|
| AAA | AAADrive | Mobile App | 15% | 30% |
| Allstate | Drivewise | Mobile App | 10% | 30% |
| American Family | KnowYourDrive | Plug-in | 5% | 20% |
| Esurance | DriveSense | Mobile App | 5% | 30% |
| Liberty Mutual/SafeCo | RightTrack | Mobile App or Plug-in | 5% | 30% |
| MetLife | My Journey | Plug-in | 10% | 30% |
| Nationwide | SmartRide | Plug-in | 10% | 40% |
| Progressive | Snapshot | Mobile App or Plug-in | average of $25 | 20% |
| Mile Auto | Mile Auto | Neither | N/A | 40% |
| State Farm | Drive Safe & Save | Mobile App or Plug-in | 5% | 50% |
| The Hartford | TrueLane | Plug-in | 5% | 25% |
| Travelers | IntelliDrive | Mobile App | 10% | 30% |
| Metromile | Metromile | Mobile App | N/A | 60% |
As you can see, you could get lower car insurance if you’re working from home and don’t drive often.
Average Cost of Auto Insurance for Telecommuters
There are many factors insurance companies consider when offering low-mileage discounts and other vehicle-usage incentives. Lower mileage rates can be as little as 3% lower than the standard, or as much as 30%, depending on the company. The lower mileage rate is usually around 18% less expensive than standard mileage car insurance.
To help you estimate how much you might save on auto insurance by telecommuting, take a look at the data in the table below, which shows how your commute can affect your auto insurance rates, all else being equal.
Average Annual Auto Insurance Rates By Commute Length
| Insurance Companies | Average Annual Rates for 10 Mile Commute (6,000 Miles per Year) | Average Annual Rates for 25 Mile Commute (12,000 Miles per Year) |
|---|---|---|
| USAA | $2,482.69 | $2,591.91 |
| Geico | $3,162.64 | $3,267.37 |
| State Farm | $3,175.98 | $3,344.01 |
| American Family | $3,401.30 | $3,484.88 |
| Nationwide | $3,437.33 | $3,462.67 |
| Progressive | $4,030.02 | $4,041.01 |
| Farmers | $4,179.32 | $4,209.22 |
| Travelers | $4,399.85 | $4,469.96 |
| Allstate | $4,841.71 | $4,934.20 |
| Liberty Mutual | $5,995.27 | $6,151.63 |
As you can see, commuting has some effect on rates, especially if you live in one of the areas with the most expensive commutes. On average, longer commutes mean rates that are about 2.33 percent higher than shorter commutes. Though, as we mentioned above, different companies handle commute-based rates differently.
More About How to Save on Auto Insurance for Telecommuters
According to recent statistics from Findstack, 85% of managers believe that remote work is the new norm. So if you’re interested in reducing your insurance rates, either by telecommuting or reducing your daily commute, ask your employer if this is an option. After all, most remote workers also believe they are more productive working from home.
Once you’ve established yourself in a home office reach out to check your insurance rates. Even if your insurance company doesn’t offer a specific discount for telecommuting, you can still save money if you are driving less often.
Don’t wait to get the best telecommuting auto insurance rates. Simply enter your ZIP code into our FREE quote tool below to get started.
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Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Frequently Asked Questions
What is auto insurance for telecommuters?
Auto insurance for telecommuters refers to insurance coverage specifically designed for individuals who primarily work from home or have a minimal commute. It takes into account the reduced amount of driving typically associated with telecommuting and offers tailored coverage options.
What are the benefits of auto insurance for telecommuters?
Some of the benefits of auto insurance for telecommuters include:
- Potentially lower insurance premiums: Telecommuters often drive fewer miles, resulting in a reduced risk of accidents and lower premiums.
- Customized coverage: Insurance providers may offer coverage options that align with the specific needs of telecommuters, such as reduced mileage coverage or specialized coverage for work-related equipment.
Can telecommuters receive discounts on auto insurance?
Yes, many insurance companies offer discounts to telecommuters. These discounts can vary depending on the insurer, but they generally reflect the reduced risk associated with decreased driving.
How can telecommuters prove their reduced mileage to insurance companies?
Insurance companies typically require some form of proof for reduced mileage. This can be accomplished through methods such as providing odometer readings, submitting commuting logs, or using mileage tracking apps.
Are there any downsides to auto insurance for telecommuters?
While auto insurance for telecommuters offers numerous benefits, there are a few potential downsides to consider:
- Limited coverage for business-related activities: Some policies may have limitations on coverage for activities directly related to work, such as making deliveries or transporting clients.
- Eligibility criteria: Insurance providers may have specific eligibility criteria that telecommuters must meet to qualify for reduced mileage coverage or discounts.
Can telecommuters still receive coverage for non-work-related driving?
Yes, auto insurance for telecommuters typically covers both work-related and personal use of the vehicle. It’s important to review the policy details to understand the extent of coverage.
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Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.