Car Insurance for Commuting

How do your auto insurance premiums change when you select "commute" on your application?

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Car insurance for commuting to work

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.

What is car insurance coverage for commuters?

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 UseAnnual Premium
Primary Vehicle UseAverage 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).

Alternate vehicle uses
Farm: Vehicles used on a farm for towing and other farm-related activities.
Business: Vehicles in which there are limited commercial/business purposes functions.

Cheapest car insurance companies for a commuter

Using our user profile (methodology outlined here), we got car insurance rates for a commuter policy from top providers in the US.

Car Insurance CompanyAverage Annual Premium
Liberty Mutual$1,978
State Farm$1,614

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.

Helpful hint: If you're a low mileage driver, a commuter policy might not be your most cost-efficient option. While relatively new to the world of auto insurance, usage-based insurance policies can be a great solution if you drive infrequently. Backed by telematics, usage-based insurance policies use how you drive and how much you driver to calculate your insurance policy. In theory, the less you drive, the more you can save. If you're looking for more information regarding these policies, including specific providers and quotes, see here.

If you’re interested in seeing commuter rates from these companies with your driving profile, enter your zip code below to get started!

Compare commuter car insurance rates today!

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Additional resources

Pleasure use car insurance
Pleasure vs commute car insurance
Finding cheap car insurance with a bad driving record
What factors affect car insurance quotes?
Roadside assistance: are you covered?
Ava Lynch LinkedIn

Based in Austin, TX, Ava has been in the insurance industry as a licensed agent for 4-plus years. Ava is currently one of The Zebra’s resident property insurance experts and has been featured in publications such as US News Report, GasBuddy, and Yahoo! Finance.