Cheap Commuter Auto Insurance

You can get cheap commuter auto insurance regardless of commute length. Auto insurance for commuters may be higher by 1% to 5%, but cheaper car insurance for commuters depends mainly on driving record and other factors. While Geico auto insurance is a it more expensive for commuters, Progressive shows hardly any change to rates based on commute. Shopping around will get you the cheapest auto insurance for commuters.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 16, 2021

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Food for thought

  • Commute simply refers to how far you normally drive to work or school every day
  • Your commute does have an impact on your auto insurance rate
  • Make sure your commuter vehicle meets your states minimum liability insurance requirements

Do you find yourself subscribing to an audiobook trial just to get through the commute, or do you have your favorite podcasts lined up to play on your drive? You might have a long commute, as many Americans do.

And although you may not realize it, commute length is one of the factors that insurers look at when they determine your rates. Is cheap commuter auto insurance available?

If you want to get cheaper car insurance for commuters, you may be eligible for many discounts to lower auto insurance rates.

Does commuting increase car insurance? It can, but comparing multiple auto insurance quotes can make a difference. Find cheap auto insurance for commuters right now. Enter your ZIP code above to get FREE quotes from multiple car insurance companies.

How can you get the cheapest auto insurance for commuters?

What does commute mean on insurance? This just refers to how far you normally drive to work or school every day. This is your normal routine, and many insurers ask this because they’ll charge more for a longer commute.

You can see in the table below how your auto insurance rates change based upon how far your drive to work every day.

Average Annual Auto Insurance Rates by Commute Length and Annual Miles Driven
CompaniesAveage Annual Rates for
10 Miles Commute
6,000 Annual Mileage
Average Annual Rates for
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
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Your commute certainly isn’t the biggest factor in how much you’ll pay for auto insurance, but it still impacts it. For these major insurers, you’ll see an increase from less than 1 percent to 5 percent — just because you work a little farther away.

Who has the cheapest auto insurance for commuters? Based on these rates, it looks like the lowest increase comes from Progressive, Nationwide, and Farmers. Progressive rates only go up about $11.

Any vehicle you are driving to work needs to have at least liability car insurance to conform to the required limits set by your state, but you may choose to get full coverage which will cost more.

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Auto Insurance Discounts For Commuters

Of course, it varies across each state, but DataUSA reports that the average commute length across the country is 25.7 minutes.  76.3 percent of commuters chose to drive alone in 2018 while 8.99 percent carpool.

Common discounts that may be available for commuters are in this table below.

Common Auto Insurance Discounts
CompanyClaim FreeContinuous CoverageDefensive DriverLow MileageMultiple VehiclesRoadside Assistance
21st CenturyYesYesYes-5%NoYesNo
AAAYesYesYesYesYesNo
AllstateYes-35%YesYes-10%YesNoNo
American FamilyYesYesYes-10%YesYesNo
AmeripriseYesNoYesNoYesYes
AmicaYesYes-3%Yes-5%Yes-10%Yes-15%No
Country FinancialYesYesYes-5%YesYes-15%No
EsuranceYes-25%YesYes-10%Yes-15%YesYes-5%
FarmersYesYesYesYesYesNo
GeicoYes-26%YesYesYesYes-25%No
Liberty MutualYesNoYes-10%YesYes-10%No
MetLifeYes-20%NoYes-7%YesYesNo
NationwideYes-10%NoYes-5%YesYes-20%No
ProgressiveYes-YesYesYes-10%YesYes-10%No
Safe AutoYes-10%Yes-10%Yes-10%NoYes-15%No
SafecoYes- 20%Yes-7%Yes-5%Yes-20%Yes-15%No
State FarmYes-15%NoYes-5%Yes-30%Yes-20%No
The GeneralYesNoYes-8%YesYes-15%No
The HanoverYes-15%Yes-10%Yes-5%YesYes-5%No
The HartfordYesYesYes-10%YesYes-5%No
TravelersYes-23%Yes-15%Yes-10%YesYes-8%No
USAAYes-12%NoYes-3%YesYesNo
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The Bureau of Transportation Statistics reports that the average cost of operating a vehicle in 2018 was 61.9 cents per mile between gas and maintenance costs. Long commutes really add up.

And this is by no means a complete list of discounts that may be available to you. Each company has different discounts, so it’s best to shop around with companies like Geico car insurance, Progressive, Allstate, and USAA car insurance.

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How Auto Insurance Rates are Determined

There are ways to get cheap auto insurance as a commuter. In fact, your commute isn’t the biggest factor that impacts your auto insurance rates — not even close.

This video from Allstate talks about some factors that go into determining your auto insurance rates.

The biggest thing you can do to keep your rates low is to be a safe driver. Your driving record makes the biggest impact, but credit score is also a big one. Experian reports that the average credit score in the country is 703. If your rates aren’t the best because of your credit, it will get better as your credit score rises.

Other things that can influence how much you pay are your profession, the MSRP of your vehicle, and the safety ratings of your vehicle.

Frequently Asked Questions: Cheap Auto Insurance for Commuters

We’ve added a few more FAQs below about your auto insurance.

#1 – Is auto insurance cheaper if you don’t work?

If you’re unemployed, that probably won’t affect your auto insurance rates, although car insurance may be cheaper if you don’t work due to the lack of a commute. However, you should call and update your commute if you anticipate being unemployed for a while. Also, your profession absolutely does impact your rates. You can see the difference in the table below:

Geico Average Auto Insurance Rates by Occupation
OccupationGeico Average Monthly RatesGeico Average 6-Month RatesGeico Average Annual Rates
Homemaker$67.92$407.50$815.00
Professor
w/ College Degree
$71.68$430.10$860.20
Admin. Asst./Secretary$151.00$906.00$1,812.00
Sales/Real Estate$157.98$947.90$1,895.80
Machine Operator$165.33$992.00$1,984.00
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A professional homemaker will pay considerably less than a machine operator.

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#2 – Can you negotiate auto insurance rates?

No, you can’t negotiate auto insurance rates. But many companies allow you to cancel your policy at any time if you find a better deal, so you can save by shopping around.

#3 – Is it cheaper to insure a car for business or pleasure?

It’s certainly cheaper if you insure your vehicle with pleasure car insurance. That means your normal routine does not involve a commute to and fro work every day. It probably won’t make a massive change, but it will be a little cheaper.

On the other hand, commercial car insurance is completely separate. If you use your personal vehicle for say DoorDash or InstaCart, you need commercial coverage on your car which will be an additional cost.

Also important is that your insurance may be different while on the clock.

In some instances, you may be covered while driving. Check with your job and insurance company for your specific details.

You can certainly learn more about car insurance for pleasure vs commute on Reddit or elsewhere, or we can help with a quote.

Most people want to find the cheapest way to insure a car for commuters, and why not? The commute itself is often punishment enough. We can help you find the best rates. Enter your ZIP code below for FREE cheap car insurance quotes from multiples insurers.

References: 

  1. https://www.experian.com/blogs/ask-experian/what-is-the-average-credit-score-in-the-u-s/
  2. https://datausa.io/profile/geo/united-states
  3. https://www.bts.gov/content/average-cost-owning-and-operating-automobile

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