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Telecommuting Car Insurance

Enter your zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Jul 1, 2021

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Key Takeaways

  • Car insurance for remote workers can be significantly cheaper
  • A low mileage discount can save you up to 30%
  • Sometimes a pay-per-mile policy saves you the most money

Over the last year, many more people are working from home. This often leads to the question, “Will my car insurance go down if I work from home?” The simple answer is yes. Cheap car insurance is more attainable than ever.

Depending on how many miles you drive per year, you could find significant savings on telecommuting car insurance. A low mileage discount can save you a decent amount and if your annual miles are really low. Additionally, a pay-per-mile policy may be able to save you even more.

To find the most affordable telecommuting car insurance rates, enter your ZIP code here and compare quotes from top insurance companies.

How does telecommuting affect car insurance rates?

While there is no work from home car insurance discount, you can save money if you drive a limited number of miles. Telecommuting car insurance rates tend to be cheaper because you aren’t driving every day.

Most companies will consider annual mileage when figuring out what your rates will be. An average driver travels around 14,000 miles per year. However, those working at home tend to drive less than half that amount.

This reduced number of miles means you are less likely to be involved in an accident. Therefore, it is less risky to insure you and may reduce your car insurance cost.

Here’s a look at the average rates you will face based on commute lengths.

Average Annual Auto Insurance Rates By Commute Length
Insurance CompaniesAverage 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
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As you can see, the farther you drive, the more it costs. However, limited miles can save you around 2% on base car insurance rates.

What is the best way to save money on telecommuting car insurance?

The best telecommuting car insurance company is going to offer a low-mileage discount. These discounts can save you up to 30%. You can also look into how much discounts like the occupation car insurance discount can help you save.

While this is a significant reduction it may not be the thing that will save you the most money. Additionally, not every insurance company offers a low-mileage discount.

Let’s review what companies offer a low-mileage discount:

Low Mileage Auto Insurance Discounts by Company
Insurance CompanyOffers Low Mileage DiscountDiscount Percentage (if available)
21st CenturyNoN/A
AAAYesNot Available
AllstateYesNot Available
American FamilyYesNot Available
AmeripriseNoN/A
AmicaYes10%
Country FinancialYesNot Available
EsuranceYes15%
FarmersYesNot Available
GEICOYesNot Available
Liberty MutualYesNot Available
MetLifeYesNot Available
NationwideYesNot Available
ProgressiveYesNot Available
Safe AutoNoN/A
SafecoYes20%
State FarmYes30%
The GeneralYesNot Available
The HanoverYesNot Available
The HartfordYesNot Available
TravelersYesNot Available
USAAYesNot Available
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Depending on your insurance company, this may be a great discount. However, if your annual mileage is insignificant, you should also look into a pay-per-mile policy.

When it comes to work-from-home car insurance, pay-per-mile policies are growing in popularity. You will be charged only for the actual miles you drive. Typically, there is a small base rate and then a few cents for each mile you drive.

It’s important to note; some insurance companies will require you to add a tracking device to your car so they can confirm mileage. This can be helpful when qualifying for a safe driving discount.

Here is a look at the different program names for the top insurance companies and what they can save you.

Pay-Per-Mile Program Details by Insurance Company
Insurance CompaniesLow-Mileage Program NameDevice UsedEnrollment Discount (Maximum Possible % Savings)Earned Savings (Maximum Possible % Savings)
AAAAAADriveMobile App15%30%
AllstateDrivewiseMobile App10%30%
American FamilyKnowYourDrivePlug-in5%20%
EsuranceDriveSenseMobile App5%30%
Liberty Mutual/SafeCoRightTrackMobile App or Plug-in5%30%
MetLifeMy JourneyPlug-in10%30%
NationwideSmartRidePlug-in10%40%
ProgressiveSnapshotMobile App or Plug-inaverage of $2520%
Mile AutoMile AutoNeitherN/A40%
State FarmDrive Safe & SaveMobile App or Plug-in5%50%
The HartfordTrueLanePlug-in5%25%
TravelersIntelliDriveMobile App10%30%
MetromileMetromileMobile AppN/A60%
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Comparing your insurance companies low-mileage discount and their pay-per-mile policies is a great way to ensure you are getting optimum savings.

When you are ready to buy telecommuting auto insurance, start by comparing rates. Enter your ZIP code here to start comparing today.

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