Here’s how much more it costs to insure a car used for commuting


Getting to work is, not surprisingly, a very common use for a vehicle. A lot of people get to and from work every day, and this can be the main goal of owning a car.

Because of their twice-daily trips, motorists who commute often tend to drive more than their counterparts who use their vehicle solely for fun. As a result, some insurers view commuters as having a slightly higher risk of being involved in an accident – and commuters, on average, pay a little more for auto insurance because of it.

How much more do commuters pay? Let’s find out.

This is the premium increase for commuters

According to data from The Ascent on the national average cost of auto insurance, motorists who commute their vehicles pay $ 2,662 per year in insurance premiums.

In contrast, drivers who use their vehicle for personal purposes rather than for commuting pay an average of $ 2,629. That’s about $ 33 less per year, on average, for drivers whose vehicles are used primarily for personal reasons instead of commuting to work.

It’s not a huge difference, and many other factors, such as age and education level, have a much bigger impact on car insurance costs per year. Still, it’s an added expense, and even a small difference in auto insurance rates can affect a driver’s budget over time.

Because of the price differential, drivers who commute to work will want to make sure that they are doing everything possible to get the best possible insurance coverage at the most affordable price for their circumstances.

How Commuters Can Help Cut Costs

The best and most important way for commuters to cut costs is to get multiple auto insurance quotes from several different insurers. This is because while some insurance companies charge more for commuters, others, like Geico Advantage, actually charge lower average fares for those who drive to work compared to motorists who primarily use their vehicle. for personal use.

Drivers should also ensure that their average annual kilometers are estimated correctly with their auto insurance company. This is especially important if they have moved or changed jobs since they were first enrolled in their policy. With the COVID-19 pandemic, some commuters have also switched to working from home at least part-time, so alerting their insurer of this change could potentially lower their premium costs.

The good news for drivers is that the additional cost of using their vehicles for commuting shouldn’t be too much because the price difference is minimal. Still, it’s worth making an effort to get the cheapest auto insurance premiums possible, as they have to be paid indefinitely every year.

Taking a few minutes to look for an insurer that doesn’t penalize commuters with much higher rates will usually be well worth the ongoing savings that could result.

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