10 Best Auto Insurance Companies for Telecommuters in 2024
Progressive, USAA, and State Farm stand out among the 10 best auto insurance companies for telecommuters, offering rates as low as $80 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.
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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, and Forbes. As a parent herself, she understands the need ...
Licensed Insurance Agent
UPDATED: Apr 19, 2024
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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: Apr 19, 2024
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
13,126 reviewsCompany Facts
Avg. Monthly Rate for Telecommuters
A.M. Best Rating
Complaint Level
Pros & Cons
13,126 reviews
6,433 reviewsCompany Facts
Avg. Monthly Rate for Telecommuters
A.M. Best Rating
Complaint Level
Pros & Cons
6,433 reviews
17,754 reviewsCompany Facts
Avg. Monthly Rate for Telecommuters
A.M. Best Rating
Complaint Level
Pros & Cons
17,754 reviews
Progressive stands out as the premier choice for the 10 best auto insurance companies for telecommuters, providing competitive rates starting at only $80 per month for comprehensive 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.
Company Rank Multi-Vehicle Discount A.M. Best Best For Jump to Pros/Cons
#1 10% A+ Worker Discounts Progressive
#2 10% A++ Flexible Policies USAA
#3 17% A++ Usage Discounts State Farm
#4 25% A+ Telecommute Coverage Allstate
#5 25% A Worker Benefits Liberty Mutual
#6 10% A Virtual Workspace Farmers
#7 20% A+ Office Coverage Natiownide
#8 13% A++ Telecommuting Endorsements Travelers
#9 25% A Work Deductibles AAA
#10 10% A+ Telecommuter Savings MetLife
- 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, customized coverage options cater to cars.
- Robust Rates: Progressive provides affordable pricing.
- Price Reduction: Progressive offers various discount opportunities, including those specific to cars.
Cons
- Claims Handling: People may experience delays or complications in the claims process.
- Limited Discounts: Progressive may not offer as many discounts as some competitors.
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#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 offers affordable car insurance.
- Discount Availability: USAA provides various offers, including those for car insurances.
Cons
- Limited Availability: USAA mainly functions via local agents, potentially inaccessible in some regions.
- 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.
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#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, veterans, and their families.
- 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, including those for car insurances.
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.
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#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 personalized coverage options for cars.
- Competitive Pricing: AAA offers affordable rates. Your affordability guide starts with our AAA auto insurance review.
- Discount Opportunities: AAA offers discounts, including ones for cars.
Cons
- Restricted Availability of Local Agents: AAA primarily operates through local agents, which may not be universally accessible.
- Coverage Restrictions: Some policy enhancements may not completely address cars’ needs.
#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.
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The 10 Best Auto Insurance Providers for Remote Employees
Full Results: Insurance Companies Ranked for Telecommuters
Auto Insurance for Telecommuters: Saving Money on Coverage
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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.
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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.
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What are the 10 best auto insurance providers for remote employees?
How to save money from coverage?
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Enter your ZIP code below to view companies that have cheap auto insurance rates.
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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, and Forbes. As a parent herself, she understands the need ...
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.
