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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Laura Walker
Former Licensed Agent
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...
Former Licensed Agent
UPDATED: May 8, 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 insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above 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 insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: May 8, 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 insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- 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
- Geico
- 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.
Frequently Asked Questions
Will my car insurance go down if I work from home?
Yes, your car insurance rates could go down if you telecommute or work from home because traffic and commute times are significant factors in determining premium costs. Insurance companies look favorably on drivers who are on the road less.
How can I get cheap work-from-home car insurance?
You can get cheap work-from-home car insurance by requesting a discount from your auto insurance company. Additionally, consider mileage-based or pay-per-mile insurance policies, raising your deductible, and lowering your coverage levels based on the age of your vehicle and how little you drive it.
Do insurance companies offer telecommuting car insurance discounts?
Not every insurance company offers telecommuting car insurance discounts, and those that do may offer different discount amounts. You should compare quotes from different companies to find the most affordable telecommuting car insurance rates. Some of the best insurance companies that offer low-mileage and telecommuting discounts are State Farm, Nationwide, Geico, and Allstate.
Is telecommuting car insurance available in all states?
Yes, most major insurance companies offer telecommuting car insurance discounts in all states where they operate.
Can I switch to telecommuting car insurance mid-policy?
Yes, you can switch to telecommuting car insurance mid-policy. However, it’s important to note that switching to a new insurance policy may result in a cancellation fee or early termination penalty.
Will my work-from-home car insurance cover me if I travel for work?
That depends on the specifics of your policy. Some insurance companies may offer additional coverage for business travel, while others may not. Be sure to review your policy details carefully to understand what is and isn’t covered.
How much can I save on car insurance by telecommuting?
The amount you can save on car insurance by telecommuting varies depending on your policy and the insurance company you choose. Some companies offer discounts of up to 30% for low-mileage drivers, while others offer smaller discounts. Be sure to shop around and compare rates to find the best deal.
Compare The Best Insurance Quotes In The Country
Compare quotes from the top insurance companies and save!
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Laura Walker
Former Licensed Agent
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...
Former Licensed Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.