Telecommuting Car Insurance

Telecommuting car insurance can qualify for up to 30% off with low-mileage discounts from certain providers. The good news is that most of the top companies offer work-from-home car insurance discounts at various amounts. You can also save money on car insurance for remote workers with mileage-based and pay-per-mile insurance policies.

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Chris Tepedino is a feature writer that has written extensively about home, life, and car insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and C...

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Written by Chris Tepedino
Insurance Feature Writer Chris Tepedino

Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...

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Reviewed by Laura Walker
Former Licensed Agent Laura Walker

UPDATED: Nov 26, 2021

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The Rundown

  • Traffic and commute times impact car insurance rates
  • State Farm, Esurance, GEICO, and AAA all offer low-mileage discounts on telecommuting car insurance
  • Remote workers should consider mileage-based or pay-per-mile insurance to save money

Car insurance for remote workers is often cheaper because telecommuters can qualify for low-mileage discounts and save up to 30% on their premiums. If you work from home, you can secure cheap telecommuting car insurance company rates by asking your auto insurance company for a discount.

Keep reading to learn how to qualify for a work from home car insurance discount and which of the best insurance companies offer telecommuting discounts. 

Ready to buy telecommuting car insurance coverage now? Enter your ZIP code below to shop for free insurance quotes from local companies in your area.

Will my car insurance go down if I work from home?

Can I lower my car insurance rates if I start telecommuting? Yes, your car insurance rates could go down if you telecommute or work from home.

Traffic and commute times are big factors when it comes to determining premium costs, and insurance companies will look favorably on drivers who are on the road less.

Those who telecommute only work occasionally in a company office, which reduces commute time and can qualify drivers for low-mileage discounts with certain providers.

How can I get cheap work-from-home car insurance?

As employers continue to invest in the work-from-home model, insurance companies are changing their policies to meet the evolving needs of drivers.

Mileage-based auto insurance is one type of policy telecommuters and remote workers can use to lower rates. Unlike standard premiums, usage-based insurance rates are based on miles driven. The less you drive, the less you pay for coverage.

Insurance companies also offer other pay-per-mile car insurance programs that track driving habits, speed, and the time of day you were driving to determine rates. Based on how little (and how well) you drive, you could save even more money on car insurance while working from home.

Consider raising your deductible and lowering your coverage levels since you are less likely to be in an accident if you are working from home. Determine if you can afford to reduce coverage to minimum liability based on the age of your vehicle and how little you drive it to lower your rates. 

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Do insurance companies offer telecommuting car insurance discounts?

Not every insurance company will offer a discount for remote workers telecommuting car insurance. Those who do will offer different discount amounts. For example, State Farm offers a 30% low-mileage discount for drivers while the Esurance discount is only 15%. 

Here is a list of insurance companies currently offering low-mileage and telecommuting auto insurance discounts:

  • AAA
  • American Family
  • Country Financial
  • Esurance
  • Farmers
  • Liberty Mutual
  • Nationwide
  • Progressive
  • Safeco
  • State Farm
  • The General
  • The Hanover
  • The Hartford
  • Travelers
  • USAA

Telecommuting discounts are not limited to the providers on this list. You may find a smaller local company that offers better rates for you. That’s why we recommend shopping around with multiple companies to find the most affordable telecommuting car insurance rates so you don’t end up overpaying for car insurance. 

Start comparing telecommuting car insurance quotes now with our free online quote comparison tool below. Just enter your ZIP code to get free quotes from local companies.

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