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Does being self-employed affect auto insurance?

The lowdown...
  • Working from home could reduce your overall mileage on the roads
  • You wouldn’t qualify for any employment-based discounts
  • If you use your car for work, you might need additional coverage

Being self-employed might provide you with a significant amount of freedom. You are the boss, and therefore you get to do what you want to do.

Your auto insurance might be affected depending on where you work and what you do.

If you are self-employed and need better auto insurance, compare at least three to four policies today to find the best rates for you! Enter your ZIP code above!

The Amount of Miles You Drive


The number of miles you drive in a day will be taken into consideration.

If you work from home, you have no commute whatsoever. If you don’t do any driving for work, either, then you don’t have to worry about putting a lot of miles on your car.

Driving less would categorize you as a “low mileage” driver. Many insurance companies provide discounts for low mileage, because you are at a lower risk for being involved in an accident.

When you get quotes online, you are often able to identify that you drive for personal use and not for a commute.

Depending on the insurance company, they might send a device that you connect to your car as a way of demonstrating just how many miles you put on your car over the course of a few weeks or a month.

Using Your Car for Work


If you use your vehicle for work, then you have to look at two things: coverage and the number of drivers.

With coverage, you need to adhere to the minimum requirements of the state.

The requirements will include bodily injury and property damage liability. The levels vary by state, though when you get online quotes, you won’t be able to go below the minimums.

You might want to consider adding coverage as a way of better protecting yourself and your business.

For example, you might want to increase liability levels, so you don’t run the risk of exceeding the levels in an accident. Additionally, you might want comprehensive and collision coverage.

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Comprehensive coverage protects against such things as:

In contrast, collision coverage protects against colliding with a car or another object, essentially anything that happens as a result of a car accident.

Having all of this protection will increase the scenarios where you are covered. You can then file a claim with the insurance company and be more confident that they will take care of the damages.

Otherwise, it would be your financial responsibility to pay for car repairs.

You also have to look at whether a personal auto insurance policy is going to be sufficient. If you have multiple cars or multiple drivers, then you have to explore a commercial policy.

You need to be sufficiently protected, and if you are self-employed with several employees who could take your car out to do business, you might need more than what a personal insurance policy can offer.

Affording Your Premiums

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If you’re self-employed, you still need auto insurance. Affording the premiums doesn’t have to be a financial challenge.

Online quotes will make it easier for you to see what the cost of insurance is going to be. You will get quotes from multiple companies to make comparisons. You can also add coverage online to see what the cost impact would be on your monthly premiums.

As someone who is self-employed, you won’t qualify for various employment-based discounts. Some people get discounts because they work within a certain industry or for a specified employer.

However, if you are part of a trade association that offers discounts, then you might be able to save there.

You should look at all of the available discounts that are out there, including being a homeowner, a safe driver, and having multiple policies with the same insurance company.

Auto insurance is affected if you’re self-employed. You have to look at the number of miles you drive, the type of coverage you need, and what the cost of your premiums will be.

Take the time to look at what you do and how it will impact what you do on the roads. It will make it easier to get the coverage you need so you are better protected.

Start comparison shopping today and save on auto insurance! Enter your ZIP code below!

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