Telecommuting Car Insurance Coverage
Telecommuting car insurance coverage can be a lot more affordable than standard car insurance. Many providers will discount car insurance rates based on the amount of miles driven annually. Some car insurance companies even offer usage-based insurance policies that charge you based on the amount of miles you drive. If you are a telecommuter, you could be saving money on your car insurance. Read more to find out how and compare rates.
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Written by
D. Gilson, PhD
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Reviewed by
Leslie Kasperowicz
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UPDATED: Dec 14, 2021
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- Did you know that if you work from home or telecommute you could save money on your car insurance?
- Car insurance is based on risk, if you are not driving to work you are taking less risk
- Many car insurance companies either offer discounts for low mileage drivers or offer usage-based car insurance policies designed to help low mileage drivers save money
If you work from home, you’ll likely be interested in telecommuting car insurance coverage. It helps to compare car insurance companies and the specific programs and discounts they offer their drivers so that you can get the best insurance rates.
Telecommuting has been on the rise since the onset of the COVID-19 pandemic, and this type of work will likely stick around long after the onslaught of COVID-19 abates.
More car insurance companies are offering usage-based or pay-per-mile insurance policies. These policies are designed to help drivers save money. You may be interested in these car insurance policies if you work from home.
Let’s learn more about telecommuting car insurance. If you’re ready to buy telecommuting car insurance coverage, enter your ZIP code above to compare telecommuting car insurance coverage quotes.
Table of Contents
Can telecommuters save on their car insurance rates?
Many people who work at home are now wondering if they can save money on their car insurance. Does the length of your commute affect your car insurance rates? The answer is yes.
| Company | 10 Miles Commute/ 6,000 Annual Mileage Average Annual Rates | 25 Miles Commute/ 12,000 Annual Mileage Average Annual Rates |
|---|---|---|
| Allstate | $4,841.71 | $4,934.20 |
| American Family | $3,401.30 | $3,484.88 |
| Farmers | $4,179.32 | $4,209.22 |
| Geico | $3,162.64 | $3,267.37 |
| Liberty Mutual | $5,995.27 | $6,151.63 |
| Nationwide | $3,437.33 | $3,462.67 |
| Progressive | $4,030.02 | $4,041.01 |
| State Farm | $3,175.98 | $3,344.01 |
| Travelers | $4,399.85 | $4,469.96 |
| USAA | $2,482.69 | $2,591.91 |
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As you can see the best insurance companies charge different rates based on the amount of miles driven on a yearly basis. If you work from home, be sure to tell your car insurance provider. You could help save yourself a lot of money on car insurance rates.
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What is usage-based insurance (UBI)?
Usage-based car insurance policies are gaining popularity. You may have heard about the Progressive work from home policy or the Allstate pay-per-mile program. Both of these car insurance policies are usage-based policies designed to help low mileage drivers save money by only charging them for the miles they drive.
Usage-based insurance policies may be a great fit for you if you are a telecommuter who doesn’t drive very often. The Insurance Information Institute has more information about usage-based insurance programs for consumers to look at.
Your current car insurance company might not even offer usage-based insurance options, but if you telecommute you should ask them what cost-saving options you have.
Telecommuting Car Insurance Coverage: The Bottom Line
If you work from home and don’t put a lot of miles on your car, you can likely save money on your car insurance costs. Not only do car insurance companies offer low mileage discounts to drivers, but some car insurance companies offer usage-based car insurance rates so you only pay when you drive.
Speak with your car insurance agent about the ways you can save on your car insurance. If you’re ready to compare telecommuting car insurance coverage rates, enter your ZIP code below to see affordable telecommuting car insurance coverage quotes in your area.