D. Gilson is a writer and author of essays, poetry, and scholarship that explore the relationship between popular culture, literature, sexuality, and memoir. His latest book is Jesus Freak, with Will Stockton, part of Bloomsbury’s 33 1/3 Series. His other books include I Will Say This Exactly One Time and Crush. His first chapbook, Catch & Release, won the 2012 Robin Becker Prize from Seve...

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Reviewed by Jeffrey Johnson
Insurance Lawyer

UPDATED: Mar 31, 2021

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Just the Basics

  • The less you drive, the cheaper your premiums will be.
  • Working from home usually means you are entitled to a low-mileage discount.
  • Most insurers offer a low-mileage or usage-based discount.

In the age of COVID-19, questions asked by a few have become questions asked by many.

Questions like “can you get car insurance if you work from home” and “does working from home lower car insurance” have become commonplace for a great many people. You can also read our article on coronavirus and driving to learn more about this topic.

We’re going to answer these questions for you today by helping you find the best working from home car insurance. Get a jump by using our free and helpful tool above simply by typing in your ZIP code. You’ll find car/home/life insurance quotes in your area.

Telecommuting and Car Insurance

If you are new to working from home, be sure to inform your insurer. You almost certainly will be entitled to cheaper premiums. You most likely will also be entitled to a low-mileage discount, but we’ll get to that in a bit.

Should you like to know more about what raises your premiums, so you can avoid that, read our article: Things you do that can raise your premiums.

If you’d like to lower your rates even further, you could always consider a pay-per-mile policy. Bear in mind, though, that these sorts of policies come with caveats all their own.

But, in these unusual times, a pay-per-mile policy is a perfectly viable option. You can pay a base rate of under $30 per month plus a few cents per mile. Such a low cost for a policy that will suit your needs is enticing in a period of financial insecurity.

Let’s move on to those low-mileage discounts we were talking about.

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Are there work from home car insurance discounts?

Insurance companies are all about risk. The less you drive, the less of a risk you are. If you’re working from home, you are driving substantially less. In this year of financial insecurity, inquire as to whether or not your current or prospective insurer offers low-mileage discounts.

Low-mileage discounts are very common in terms of car insurance discounts, so the chances that the companies you are comparing offer one is strong.

Let’s take a look at a table showing some usage-based-discounts that you can consider.

Usage-Based Car Insurance Programs and Available Program Discounts
Insurance CompanyProgramDeviceEnrollment Discount (Up to)Earned Savings (Up to)
AAAAAADriveMobile App15%30%
AllstateDrivewiseMobile App10%30%
American FamilyKnowYourDrivePlug-in5%20%
EsuranceDriveSenseMobile App5%30%
Liberty Mutual/SafeCoRightTrackMobile App or Plug-in5% and up30%
MetLifeMy JourneyPlug-in10%30%
ProgressiveSnapshotMobile App or Plug-inAverage of $2520%
Mile AutoMile AutoNeither-40%
State FarmDrive Safe & SaveMobile App or Plug-in5%50%
The HartfordTrueLanePlug-in5%25%
TravelersIntelliDriveMobile App10%30%
MetromileMetromileMobile App-60%
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As you can see, you have options. No matter what, when you are comparing insurers, always accumulate as many discounts as you can. Choose an insurer that has discounts that suit your needs.

Get a start on comparing car/home/life insurance premiums now by typing your ZIP code into our free and helpful tool below.