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How do your auto insurance premiums change when you select "commute" on your application?
If your primary use of your vehicle is driving to and from work, you should select a "commuter" car insurance policy. On average, commuter use car insurance costs $11 more per year than pleasure use auto insurance. On average, a commuter car insurance policy costs between $1,432 and $1,445 annually. Let’s assess some popular car insurance companies offering commuter policies.
Most car insurance companies distinguish commuting vehicles from pleasure use cars, which are usually driven less often. Insurers assign commuter insurance policies to drivers who use their vehicle only for their daily commute. See below common mileage classifications and insurance premiums for common vehicle uses.
|Primary Vehicle Use||Annual Premium|
|Primary Vehicle Use||Average Annual Premium|
|Work — One-Way Commute (<10 Miles)||$1,432|
|Work — One-Way Commute (10-15 Miles)||$1,436|
|Work — One-Way Commute (15+ Miles)||$1,445|
The average annual cost of commuter car insurance is $1,438. This is just slightly more expensive than a pleasure use car insurance policy ($1,427).
Using our user profile (methodology outlined here), we got car insurance rates for a commuter policy from top providers in the US.
|Car Insurance Company||Average Annual Premium|
For our user profile, USAA is the cheapest car insurance provider for a commuter car insurance policy. USAA will set you back nearly $500 for a standard 6-month policy for $83 per month. If you do not qualify for USAA, you can also find below average rates with Nationwide and Geico.
If you’re interested in seeing commuter rates from these companies with your driving profile, enter your zip code below to get started!