Buy Cheap Auto Insurance for Telecommuters in 2023
Telecommuting auto insurance rates are cheaper than for someone who has a long commute to work. Your car insurance can be up to 5% cheaper if you work at home and you can save up to 30% in low mileage discounts. Auto insurance for telecommuters includes options like pay-per-mile insurance, which is cheaper if you don't drive much.
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Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
UPDATED: Nov 6, 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 auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance 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 6, 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 auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance 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.
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Food for thought
- Having a shorter commute saves about 5 percent on your auto insurance rates
- You can save up to 30 percent in low mileage discounts
- You have to keep at least a minimum amount of auto insurance on your vehicle if you drive it at all.
Working from home is increasingly common, and auto insurance companies are taking note. Many now offer telecommuting auto insurance discounts on your auto insurance coverages.
Even before COVID-19 and the refund checks that were given because of fewer people driving, most auto insurers offered low-mileage discounts that can easily be applied for someone with a telecommute job.
Your commute is one factor that goes into determining your auto insurance rates, and those who just commute from the bedroom to the home office can take advantage of that discount.
If you’re looking for the best telecommuting auto insurance quotes, let us help. Enter your ZIP code above to get FREE quotes from multiple insurers.
Telecommuting Auto Insurance Rates
Is car insurance cheaper if you work from home?
Though other factors like your driving record and credit score have bigger impacts, your commute is also taken into account by most insurers for determining your rates.
The table below shows these increases.
| Companies | Average Annual Rates for a 10 Miles Commute 6,000 Annual Mileage | Average Annual Rates for a 25 Miles Commute 12,000 Annual Mileage |
|---|---|---|
| USAA | $2,482.69 | $2,591.91 |
| Geico | $3,162.64 | $3,267.37 |
| State Farm | $3,175.98 | $3,344.01 |
| American Family | $3,401.30 | $3,484.88 |
| Nationwide | $3,437.33 | $3,462.67 |
| Progressive | $4,030.02 | $4,041.01 |
| Farmers | $4,179.32 | $4,209.22 |
| Travelers | $4,399.85 | $4,469.96 |
| Allstate | $4,841.71 | $4,934.20 |
| Liberty Mutual | $5,995.27 | $6,151.63 |
If you find yourself making playlists for your commute, these insurers may be increasing your rates. For these major insurers, your policy will cost anywhere from less than 1 percent to around 5 percent.
Which insurance company is best for auto insurance coverage? Progressive insurance has the smallest increase.
That’s not a huge amount, but it adds up. And if you’re working from home, it saves you a bit of cash.
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Low Mileage Auto Insurance Discounts
If you have one of those work-from-home jobs, telecommute insurance discounts are available to you. Nineteen out of the top 22 auto insurance companies in the country offer a low-mileage discount. You can see how much in the table below.
| Companies | Low-Mileage Discount Offered | Percentage Rate Discount Offered |
|---|---|---|
| 21st Century | No | - |
| AAA | Yes | Not Available |
| Allstate | Yes | Not Available |
| American Family | Yes | Not Available |
| Ameriprise | No | - |
| Amica | Yes | 10% |
| Country Financial | Yes | Not Available |
| Esurance | Yes | 15% |
| Farmers | Yes | Not Available |
| Geico | Yes | Not Available |
| Liberty Mutual | Yes | Not Available |
| MetLife | Yes | Not Available |
| Nationwide | Yes | Not Available |
| Progressive | Yes | Not Available |
| Safe Auto | No | - |
| Safeco | Yes | 20% |
| State Farm | Yes | 30% |
| The General | Yes | Not Available |
| The Hanover | Yes | Not Available |
| The Hartford | Yes | Not Available |
| Travelers | Yes | Not Available |
| USAA | Yes | Not Available |
You can save up to 30 percent if you qualify for a low mileage discount.
Read More: The Hartford Auto Insurance
Can you negotiate with auto insurance?
You can’t really negotiate with auto insurance companies, but the next best thing is shopping around. The most important thing to know here is that insurers calculate your rates differently.
If you have a DUI or poor credit, it doesn’t hurt to check around since some insurance companies may count these as less important for your rates.
Can I drop auto insurance if I work from home?
It might be tempting to drop your coverage if you work from home and don’t go out much. But it’s not that easy.
Most states require that you keep a minimum amount of liability car insurance coverage on your vehicle at all times. The Insurance Information Institute has compiled all of these requirements, as you can see in the table below.
| States | Insurance Coverage Required | Minimum Liability Limits |
|---|---|---|
| Alabama | Bodily injury and property damage liability | 25/50/25 |
| Alaska | Bodily injury and property damage liability | 50/100/25 |
| Arizona | Bodily injury and property damage liability | 15/30/10 |
| Arkansas | Bodily injury and property damage liability, Personal injury protection (PIP) | 25/50/25 |
| California | Bodily injury and property damage liability | 15/30/5 |
| Colorado | Bodily injury and property damage liability | 25/50/15 |
| Connecticut | Bodily injury and property damage liability, uninsured motorist, underinsured motorist | 25/50/20 |
| Delaware | Bodily injury and property damage liability, Personal injury protection (PIP) | 25/50/10 |
| Washington, D.C. | Bodily injury and property damage liability, uninsured motorist, underinsured motorist | 25/50/10 |
| Florida | Bodily injury and property damage liability, Personal injury protection (PIP) | 10/20/10 |
| Georgia | Bodily injury and property damage liability | 25/50/25 |
| Hawaii | Bodily injury and property damage liability, Personal injury protection (PIP) | 20/40/10 |
| Idaho | Bodily injury and property damage liability | 25/50/15 |
| Illinois | Bodily injury and property damage liability, uninsured motorist, underinsured motorist | 25/50/20 |
| Indiana | Bodily injury and property damage liability | 25/50/25 |
| Iowa | Bodily injury and property damage liability | 20/40/15 |
| Kansas | Bodily injury and property damage liability, Personal injury protection (PIP) | 25/50/25 |
| Kentucky | Bodily injury and property damage liability, Personal injury protection (PIP), uninsured motorist, underinsured motorist | 25/50/25 |
| Louisiana | Bodily injury and property damage liability | 15/30/25 |
| Maine | Bodily injury and property damage liability, uninsured motorist, underinsured motorist, medical payments (MedPay) | 50/100/25 |
| Maryland | Bodily injury and property damage liability, Personal injury protection (PIP), uninsured motorist, underinsured motorist | 30/60/15 |
| Massachusetts | Bodily injury and property damage liability, Personal injury protection (PIP) | 20/40/5 |
| Michigan | Bodily injury and property damage liability, Personal injury protection (PIP) | 20/40/10 |
| Minnesota | Bodily injury and property damage liability, Personal injury protection (PIP), uninsured motorist, underinsured motorist | 30/60/10 |
| Mississippi | Bodily injury and property damage liability | 25/50/25 |
| Missouri | Bodily injury and property damage liability, uninsured motorist | 25/50/25 |
| Montana | Bodily injury and property damage liability | 25/50/20 |
| Nebraska | Bodily injury and property damage liability, uninsured motorist, underinsured motorist | 25/50/25 |
| Nevada | Bodily injury and property damage liability | 25/50/20 |
| New Hampshire | Financial responsibility only | 25/50/25 |
| New Jersey | Bodily injury and property damage liability, Personal injury protection (PIP), uninsured motorist, underinsured motorist | 15/30/5 |
| New Mexico | Bodily injury and property damage liability, | 25/50/10 |
| New York | Bodily injury and property damage liability, Personal injury protection (PIP), uninsured motorist, underinsured motorist | 25/50/10 |
| North Carolina | Bodily injury and property damage liability, uninsured motorist, underinsured motorist | 30/60/25 |
| North Dakota | Bodily injury and property damage liability, Personal injury protection (PIP), uninsured motorist, underinsured motorist | 25/50/25 |
| Ohio | Bodily injury and property damage liability | 25/50/25 |
| Oklahoma | Bodily injury and property damage liability | 25/50/25 |
| Oregon | Bodily injury and property damage liability, Personal injury protection (PIP), uninsured motorist, underinsured motorist | 25/50/20 |
| Pennsylvania | Bodily injury and property damage liability, Personal injury protection (PIP) | 15/30/5 |
| Rhode Island | Bodily injury and property damage liability, Personal injury protection (PIP) | 25/50/25 |
| South Carolina | Bodily injury and property damage liability, uninsured motorist, underinsured motorist | 25/50/25 |
| South Dakota | Bodily injury and property damage liability, uninsured motorist, underinsured motorist | 25/50/25 |
| Tennessee | Bodily injury and property damage liability | 25/50/15 |
| Texas | Bodily injury and property damage liability, Personal injury protection (PIP) | 30/60/25 |
| Utah | Bodily injury and property damage liability, Personal injury protection (PIP) | 25/65/15 |
| Vermont | Bodily injury and property damage liability, uninsured motorist, underinsured motorist | 25/50/10 |
| Virginia | Bodily injury and property damage liability, uninsured motorist, underinsured motorist | 25/50/20 |
| Washington | Bodily injury and property damage liability | 25/50/10 |
| West Virginia | Bodily injury and property damage liability, uninsured motorist, underinsured motorist | 25/50/25 |
| Wisconsin | Bodily injury and property damage liability, uninsured motorist, medical payments (MedPay) | 25/50/10 |
| Wyoming | Bodily injury and property damage liability | 25/50/20 |
And that’s really only an option if you own the vehicle outright. If you are financing or leasing a car, most lenders require that you keep full coverage auto insurance until your loan is paid off.
If you truly never drive your vehicle and can prove that you have another car for day-to-day errands, you might qualify for parked car coverage, which is comprehensive-only insurance. But you truly can’t drive the vehicle at all to qualify for that coverage.
You also may be able to get pay-per-mile insurance. This is a type of coverage where you actually pay for the number of miles that you drive. This is a great option for people who rarely take the car out. The best telecommuting auto insurance company is one that offers a low-mileage discount or pay-per-mile plan.
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How To Choose the Right Auto Insurance Company
You can check the financial strength of auto insurance companies at A.M. Best. This video touches a little on A.M. Ratings.
These ratings show the financial strength of a company.
And how important is customer service to you? J.D. Power ranks companies based upon how good they do with customer service and making their customers happy. Of course, not all of these companies will offer telecommute car insurance discounts.
If you have a remote work policy, why are you paying extra for auto insurance? Buy telecommuting auto insurance today and save. Enter your ZIP code to get FREE quotes from multiple insurers and find affordable telecommuting auto insurance.
References:
- https://www.iii.org/automobile-financial-responsibility-laws-by-state
- https://web.ambest.com/home
- https://www.jdpower.com/business/press-releases/2019-us-auto-insurance-study
Frequently Asked Questions
Is it possible to buy cheap auto insurance?
Yes, it is possible to find affordable auto insurance coverage. However, it’s important to note that the cost of insurance depends on various factors, such as your driving record, age, location, type of vehicle, coverage limits, and deductibles.
Are there any risks associated with buying cheap auto insurance?
While finding affordable auto insurance is important, it’s crucial to strike a balance between cost and coverage. Cheap auto insurance policies may offer limited coverage or higher deductibles, which could leave you financially vulnerable in case of an accident or other unexpected events. It’s essential to carefully review the policy terms and coverage limits before making a decision.
Can I get cheap auto insurance if I have a poor driving record?
Having a poor driving record may make it more challenging to find cheap auto insurance. However, some insurance companies specialize in providing coverage for high-risk drivers. While the premiums for such policies may be higher, shopping around and comparing quotes can help you find the most affordable option available to you.
Does the type of coverage I choose affect the cost of my insurance?
Yes, the type and level of coverage you choose can impact your insurance premiums. Comprehensive coverage and collision coverage generally cost more than liability-only coverage. It’s important to assess your needs and budget when deciding on the appropriate coverage.
Is it better to pay for my auto insurance monthly or annually?
Paying for your auto insurance annually, if you can afford it, is often more cost-effective. Many insurance companies offer discounts for policyholders who pay their premiums in full upfront. However, if paying annually is not feasible, monthly payments are a convenient alternative.
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Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
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.