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.

Shannon Martin · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“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
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!”
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.

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