Will a shorter commute help my insurance rate?

If I move closer to work, will my car insurance be cheaper? The house I want to buy is three miles from work, vs where I live now it is 14 miles one way.

“Your car insurance rates are, in part, impacted by your annual mileage.
This means that a shorter commute could positively impact the cost of your car insurance. The probability of being involved in an auto accident increases proportionately to the amount of driving that you do, so less driving (hopefully) means less chance of an accident.
Some companies rate mileage more heavily than others, so the cost difference would reflect this. Keep in mind, there are other factors that affect your insurance, such as:
  • the zip code where your car is garaged
  • your credit
  • your driving record
Whenever you have or plan to have a life change, it is a good time to re-shop your insurance. Use the free Jerry app to make searching for the best policy easy. Jerry shops the rates from over 45+ insurance companies and delivers them to the app within seconds!”
Shannon Martin
Answered on Jul 09, 2021
Shannon is an expert in personal lines liability insurance with 13 + years of insurance industry experience. She also served as a special insurance liaison to AARP members for 6 of those years. She is a graduate of UL Lafayette and currently resides in NY with her family. Shannon is also an amateur juggler, ukulele player, and is a time travel paradox theory enthusiast.

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