Telecommuting Coverage Explained

If you are looking for car insurance for remote workers, telecommuting car insurance is for you. Even if your provider doesn't offer telecommuting auto insurance, you can still save money on your monthly auto insurance rates if you work from home with low mileage discounts. To qualify, drivers must drive less than 8,000 miles per year.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Jul 2, 2021

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What You Should Know

  • If you work from home, you may qualify for a low-mileage discount
  • Low mileage discounts for telecommuting coverage are generally offered to those who drive less than 8,000 miles per year
  • The vast majority of car insurance companies will provide a low mileage discount

If you work from home, you need to learn more about telecommuting car insurance and the coverage options available to you. Keep reading to learn how to save on car insurance and how working from home affects your monthly rates.

Are you ready to find affordable telecommuting auto insurance quotes? Enter your ZIP code above, and we will help you get started with free quotes from local companies.

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

Likely yes. A major factor that can impact your car insurance rates is how much you drive. The lower your mileage is, the lower your rates are likely to be.

While this is not the only factor that impacts your car insurance rates, mileage does have a huge impact.

The main reason that telecommuting car insurance companies will provide lower rates for remote workers is simple. The less you are on the road, the less likely you are to get into an accident and file a claim.

Because of this, all car insurance companies will offer a work from home car insurance discount or a low mileage discount.

What counts as a low mileage discount?

It will depend on what car insurance company you go with, as each provider uses its own metrics to determine rates. However, the general rule is less than 8,000 miles every year.

This is tracked by either reporting your mileage at the time of renewal or using apps or devices provided by the company.

Some insurance providers like State Farm partner with companies like OnStar to track your mileage more accurately, thus ensuring you get the best deal.

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What is the best car insurance for remote workers?

If you are looking for work-from-home car insurance, you have several options. Major car insurance companies will discount existing drivers when their mileage falls below the given total. These discounts vary depending on the provider and how low your mileage is.

However, for those looking for even more of a discount, there are more options for usage-based car insurance. This type of policy is unique in that they provide you telecommuting car insurance quotes based on exactly how much you drive.

Metromile, for example, charges drivers six cents for every mile driven on top of a base monthly fee. This essentially allows you to customize your policy and control how much you pay every month. However, Metromile does have a limited area of service and is only accessible in a few states.

If you are in the market for affordable car insurance while you work from home and there are no usage-based insurance programs available, it’s important to compare auto insurance quotes from multiple companies.

Let us help you compare quotes before you buy telecommuting car insurance. Enter your ZIP code below, and we will connect you with affordable auto insurance providers available in your area.

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