Auto Insurance for Telecommuters (2023)
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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Heidi Mertlich
Licensed Insurance Agent
Heidi works with top-rated insurance carriers to bring her clients the highest quality protection at the most competitive prices. She founded NoPhysicalTermLife.com, specializing in life insurance that doesn’t require a medical exam. Heidi is a regular contributor to several insurance websites, including FinanceBuzz.com, Insurist.com, Finance101.com, and Forbes. As a parent herself, she under...
Licensed Insurance Agent
UPDATED: Nov 27, 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: Nov 27, 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.
Check out the table below to compare average car insurance rates from these top companies and more:
| 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: You’ll put very little mileage on your vehicle if you work or attend school remotely. You should also read more about how to get a good student auto insurance discount.
- 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 Kelley Blue Book, 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, you can get cheap auto insurance rates for infrequent drivers.
Low mileage discounts aren’t the only way to save by telecommuting. You may also consider:
- Pay-per-mile insurance: 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. Read more about the best pay-as-you-go auto insurance companies.
- Usage-based insurance: Usage-based auto 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.
| 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 about usage-based programs to help remote workers save on insurance:
- Travelers IntelliDrive App Review
- State Farm Drive Safe and Save Review
- Geico DriveEasy Review
- Progressive Snapshot Review
- Nationwide SmartRide App Review
- Allstate Drivewise Review
- Liberty Mutual RightTrack Review
See more details about pay-per-mile programs currently on the market in the table below.
| Insurance Company | Program Name | Device Used | Enrollment Discount | Maximum Discount |
|---|---|---|---|---|
| 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% |
| Geico | DriveEasy | Mobile App | 5% | 25% |
| Liberty Mutual/SafeCo | RightTrack | Mobile App or Plug-in | 5% | 30% |
| MetLife | My Journey | Plug-in | 10% | 30% |
| Metromile | Metromile | Mobile App | N/A | 60% |
| Mile Auto | Mile Auto | Neither | N/A | 40% |
| Nationwide | SmartRide | Plug-in | 10% | 40% |
| Progressive | Snapshot | Mobile App or Plug-in | average of $25 | 20% |
| 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% |
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 to remote workers.
Low-mileage discounts range from 3% to 30%, depending on the company. Low-mileage car insurance is usually around 18% less expensive than standard car insurance.Zach Fagiano Licensed Insurance Broker
To help you estimate how much you might save on auto insurance by telecommuting, take a look at the data in the table below to see how much you could pay for working from home car insurance:
| Insurance Company | 6,000 Miles Annually | 12,000 Miles Annually |
|---|---|---|
| USAA | $207 | $216 |
| Geico | $264 | $272 |
| State Farm | $265 | $279 |
| American Family | $283 | $290 |
| Nationwide | $286 | $289 |
| Progressive | $336 | $337 |
| Farmers | $348 | $351 |
| Travelers | $367 | $372 |
| Allstate | $403 | $411 |
| Liberty Mutual | $500 | $513 |
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 are about 2.33% higher than shorter commutes, though rates vary by company. Read more about auto insurance for infrequent drivers.
More About How to Lower Car Insurance Rates if Working From Home
You can save up to 60% on auto insurance rates for telecommuters, and you’ll find the best car insurance for remote workers from State Farm, Geico, and Nationwide. Always compare rates from the top providers to find the cheapest auto insurance for limited use.
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 don’t drive often.
Tired of paying 💵for auto insurance when your car is in the garage and don't even drive 🚘every day? Usage-based insurance might be right for you. https://t.co/27f1xf1ARb has put together an easy-to-understand guide, and you can check it out here👉: https://t.co/Giu8rLur0c pic.twitter.com/cFXkwvuS32
— AutoInsurance.org (@AutoInsurance) October 10, 2023
Don’t wait to get the best telecommuting auto insurance rates. Simply enter your ZIP code into our free quote comparison tool below to get started today.
Frequently Asked Questions
Is car insurance cheaper if you work remote?
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.
What is black box car insurance?
Black box auto insurance is a type of coverage that uses technology to track a policyholder’s driving behavior. Examples of black box insurance are usage-based and pay-as-you-go insurance.
A “black box” refers to the physical device installed in your car that tracks driving behavior.
Will insurance know if I unplug by black box?
If you’re in a usage-based or pay-per-mile program, your insurer will usually be alerted if you unplug your black box since it stops sending data.
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.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Heidi Mertlich
Licensed Insurance Agent
Heidi works with top-rated insurance carriers to bring her clients the highest quality protection at the most competitive prices. She founded NoPhysicalTermLife.com, specializing in life insurance that doesn’t require a medical exam. Heidi is a regular contributor to several insurance websites, including FinanceBuzz.com, Insurist.com, Finance101.com, and Forbes. As a parent herself, she under...
Licensed 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.