10 Best Auto Insurance Companies for Telecommuters in 2025
Progressive, USAA, and State Farm stand out among the 10 best auto insurance companies for telecommuters, offering rates as low as $32 per month. Our goal is to help you compare rates from these reputable companies, ensuring you get the best coverage and personalized discounts based on your vehicle.
Read more
Secured with SHA-256 Encryption
Table of Contents
Table of Contents
Feature Writer
Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...
Rachel Bodine
Licensed Insurance Agent
Scott W Johnson is an independent insurance agent in California. Principal Broker and founder of Marindependent Insurance Services, Scott brings over 25 years of experience to his clients. His Five President’s Council awards prove he uses all he learned at Avocet, Sprint Nextel, and Farmers Insurance to the benefit of his clients. Scott quickly grasped the unique insurance requirements of his...
Scott W. Johnson
Updated March 2025
13,285 reviewsCompany Facts
Full Coverage
A.M. Best
Complaint Level
Pros & Cons
13,285 reviews
6,590 reviewsCompany Facts
Full Coverage
A.M. Best
Complaint Level
Pros & Cons
6,590 reviews
18,157 reviewsCompany Facts
Full Coverage
A.M. Best
Complaint Level
Pros & Cons
18,157 reviews
Progressive stands out as the premier choice for the 10 best auto insurance companies for telecommuters, providing competitive rates starting at only $32 per month for minimum coverage.
Partnering with USAA and State Farm, they offer affordable rates and a wide variety of full coverage options tailored to meet your specific driving needs.
Our Top 10 Picks: Best Auto Insurance Companies for Telecommuters
Insurance Company Rank Multi-Vehicle Discount A.M. Best Best For Jump to Pros/Cons
#1 15% A Work Deductibles AAA
#2 25% A+ Telecommute Coverage Allstate
#3 10% A Virtual Workspace Farmers
#4 35% A Worker Benefits Liberty Mutual
#5 5% A+ Telecommuter Savings The Hartford
#6 20% A+ Office Coverage Nationwide
#7 10% A+ Worker Discounts Progressive
#8 15% A++ Usage Discounts State Farm
#9 15% A++ Telecommuting Endorsements Travelers
#10 15% A++ Flexible Policies USAA
- Progressive provides competitive rates starting at $80 monthly
- Leading insurance firms offer potential discounts for telecommuters
- Discount options are available to secure auto insurance for telecommuters
#1 – Progressive: Top Overall Pick
Pros
- Customized Policies: In our Progressive auto insurance review, there are customized coverage options.
- Robust Rates: Progressive provides affordable pricing.
- Price Reduction: Progressive offers various discount opportunities.
Cons
- Claims Handling: People may experience delays or complications.
- Limited Discounts: Progressive may not offer as many discounts.
Free Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
#2 – USAA: Best for Flexible Policies
Pros
- Personalized Coverage: USAA, as mentioned in our USAA auto insurance review, tailors to peoples’ needs.
- Cost-effective Premiums: USAA provides on-a-budget but competitive insurance for cars.
- Discount Availability: USAA provides various offers, including those for car insurances.
Cons
- Limited Availability: USAA mainly functions via local agents.
- Policy Limitations: Specific additional coverage options may not completely meet requirements.
#3 – State Farm: Best for Usage Discounts
Pros
- Discount Opportunities: State Farm presents various discount options.
- Financial Stability: State Farm is supported by a financially secure company.
- Exceptional Customer Service: State Farm is renowned for its responsive and user-friendly service.
Cons
- Coverage Constraints: Driving needs may not be eligible for policy add-ons. Find out more in our State Farm auto insurance review.
- Claims Process: People may encounter delays or complications when processing claims.
#4 – Allstate: Best for Telecommute Coverage
Pros
- Discount Prospects: Allstate provides tailored discount options for people.
- Financial Stability: Allstate is supported by a financially stable corporation.
- Excellent Customer Service: Allstate is renowned for its prompt and easily accessible service.
Cons
- Coverage Limitations: Certain additional policy features might not completely meet the needs of people. Use our Allstate auto insurance review as your guide.
- Claims Handling: People may encounter delays or challenges during the claims procedure.
Free Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
#5 – Liberty Mutual: Best for Worker Benefits
Pros
- Tailored Policies: Liberty Mutual offers customized coverage options for car insurances.
- Competitive Prices: Liberty Mutual provides affordable rates.
- Exceptional Customer Service: Liberty Mutual is widely recognized for its prompt and easy-to-use service.
Cons
- Restricted Membership: Liberty Mutual membership is limited to military members.
- Limited Availability: Liberty Mutual’s availability may vary by location. Check other details through our Liberty Mutual auto insurance review.
#6 – Farmers: Best for Virtual Workspace
Pros
- Personalized Coverage: Farmers, as mentioned in our Farmers auto insurance review, tailors to peoples’ needs.
- Cost-effective Premiums: Farmers offers affordable car insurance.
- Discount Availability: Farmers provides various offers.
Cons
- Limited Availability: Farmers mainly functions via local agents, potentially inaccessible in some regions.
- Policy Limitations: Specific additional coverage options may not completely meet requirements.
#7 – Nationwide: Best for Office Coverage
Pros
- Wide Range of Coverage Options: Nationwide offers a comprehensive selection of coverage options, allowing customers to tailor policies to their needs.
- Vanishing Deductible Feature: The Vanishing Deductible program rewards safe driving by reducing deductibles over time.
- Member Discounts: Nationwide provides discounts for various affiliations and memberships, enhancing affordability for certain groups.
Cons
- Average Customer Satisfaction: Customer satisfaction ratings vary, as mentioned in our Nationwide insurance review with some customers reporting average experiences.
- Varied Premiums: Premiums may vary based on location and individual profiles, potentially impacting overall affordability.
Free Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
#8 – Travelers: Best for Telecommuting Endorsements
Pros
- Competitive Rates: Our Travelers auto insurance review reveals competitive rates that are budget-friendly.
- Comprehensive Coverage Options: Travelers provides customizable policies.
- Discounts: Travelers offers various discounts, including those tailored for cars.
Cons
- Limited Local Agents: Travelers operates primarily online and over the phone.
- Coverage Limitations: Some policy add-ons may not fully meet cars’ needs.
#9 – AAA: Best for Work Deductibles
Pros
- Personalized Policies: AAA provides premium and DIY coverage only made for your car.
- Competitive Pricing: AAA provides rates that is on a budget. AAA auto insurance review is your affordability guide.
- Discount Opportunities: AAA provides big deduction for cars.
Cons
- Restricted Availability of Local Agents: AAA primarily operates through local agents, which may not be universally accessible.
- Restrictions: Certain improvements in policies might not fully meet the requirements of automobiles.
#10 – MetLife: Best for Telecommuter Savings
Pros
- Personalized Policies: MetLife provides personalized coverage options for cars.
- Competitive Pricing: MetLife offers affordable rates. Your affordability guide starts with our MetLife auto insurance review.
- Discount Opportunities: MetLife offers discounts, including ones for cars.
Cons
- Restricted Availability of Local Agents: MetLife primarily operates through local agents, which may not be universally accessible.
- Coverage Restrictions: Some policy enhancements may not completely address cars’ needs.
Free Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
The 10 Best Auto Insurance Providers for Remote Employees
Full Results: Insurance Companies Ranked for Telecommuters
Curious about your current provider’s standing for remote work? Interested in how other major insurers compare? Check out the table below for rate comparisons and details on usage-based and pay-per-mile insurance options, as well as the benefits of auto insurance.
Auto Insurance Monthly Rates for Telecommuters by Coverage Level & Provider
Insurance Company Minimum Coverage Full Coverage
$65 $122
$87 $228
$76 $198
$96 $248
$95 $175
$63 $164
$56 $150
$47 $123
$53 $141
$32 $84
Auto Insurance for Telecommuters: Saving Money on Coverage
Free Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
Methodology: Ranking Providers by Telecommuter Auto Insurance
We ranked insurance companies for telecommuters based on average rates for 6,000 miles a year, sourced from Quadrant Data Solutions. We assessed discounts, UBI programs, and pay-per-mile options from company websites.
Ratings provided insight into customer satisfaction. While commute length impacts rates for some, not all insurers consider it. For the best rates, compare quotes as factors vary widely among insurers.
Use our free online quote generator to find cheap auto insurance tailored to your needs, whether you telecommute or commute. Enter your ZIP code now to start.
Frequently Asked Questions
Is car insurance cheaper if you work remotely?
Yes, if you don’t drive often, you can find save up to 60% on car insurance as a remote worker by enrolling in pay-per-mile or usage-based programs.
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. Enter your ZIP code now.
Why is it important for telecommuters to choose the right auto insurance company?
What are the best auto insurance companies for telecommuters?
While individual preferences may vary, here are some top auto insurance companies known for their offerings and benefits to telecommuters:
- Progressive: Offers significant discounts for low mileage and usage-based insurance programs, such as Snapshot.
- Allstate: Provides pay-per-mile insurance options like Milewise, which can benefit telecommuters with reduced driving.
- Metromile: Specializes in pay-per-mile insurance, making it ideal for telecommuters who rarely drive.
- State Farm: Offers usage-based programs like Drive Safe & Save, which can help telecommuters save on premiums by tracking their driving habits.
What factors should telecommuters consider when choosing an auto insurance company?
Telecommuters should consider the following factors:
- Discounts for Low Mileage: Look for insurance companies that offer discounts specifically for reduced driving.
- Usage-Based Programs: Consider companies that provide programs to track and reward safe driving habits and low mileage.
- Coverage Options: Ensure the policy covers any unique needs or potential risks related to telecommuting.
- Customer Service: Evaluate the company’s reputation for customer support, especially for handling claims efficiently.
Enter your ZIP code now for further information.
Can telecommuters save money on auto insurance?
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 consider when choosing auto insurance as a telecommuter?
While telecommuters can benefit from tailored insurance options, there are some potential downsides to consider:
- Limited Coverage for Business-Related Driving: Some policies may not cover accidents or incidents that occur during work-related travel or when using your vehicle for business purposes. Ensure your policy covers such scenarios.
- Reduced Flexibility: Specialized programs like pay-per-mile insurance may come with certain restrictions, such as limited mileage caps or higher rates for occasional long-distance trips. Evaluate the flexibility of the policy to determine if it aligns with your needs.
Enter your ZIP code to start comparing.
What are the 10 best auto insurance providers for remote employees?
How to save money from coverage?
Related Articles
-
Dec 2025
10 Cheapest Auto Insurance Companies in 2025 (Save Money With These Providers!)
-
Nov 2024
Best Persistency Auto Insurance Discounts in 2024 (Save up to 25% With These 10 Companies)
-
Dec 2024
Best Auto Insurance for Convertibles in 2025 (Your Guide to the Top 10 Companies)
-
Apr 2025
Do auto insurance companies need your Social Security number? (Details for 2025)
-
Oct 2025
10 Best Auto Insurance Companies That Offer Cash Back for Safe Drivers in 2025
-
Jun 2025
Best Auto Insurance Discounts for EBT Recipients in 2025 (Save up to 8% With These Companies)
Get a FREE Quote in Minutes
Insurance rates change constantly — we help you stay ahead by making it easy to compare top options and save.
Secured with SHA-256 Encryption
