How Having a Hybrid Work Schedule Can Save You Money on Car Insurance

For many people, the COVID-19 pandemic has changed how we work. Over the past year and a half, many jobs are now done remotely, and many companies have adopted flexible “hybrid” work schedules or remote-work policies.

Given all these changes, it might be time to change your auto insurance, too. Lifestyle choices and changes can affect auto insurance prices. For example, if you are driving less than before because you no longer need to commute to an office, you could save on car insurance with low-mileage insurance coverage.

Need Car Insurance? Work From Home Could Save You Money

Here’s how the COVID-19 pandemic has shifted working schedules, changed driving habits, and how you might save on car insurance when you work from home.

How the COVID-19 pandemic changed the American workforce

Before the COVID-19 pandemic, many Americans drove to work and regularly commuted to offices and work sites. Often, drivers dealt with rush-hour traffic or long drives. In the spring of 2020, circumstances shifted, and the roads were emptier as droves of people started to work from home.

According to The Pew Research Center, 71% of people currently work from home, and 54% would like to continue working from home after the COVID-19 pandemic. 

While some may like remote work, it has led to difficulties for some people, notably parents who have childcare responsibilities and workers who might be putting in longer hours and suffering from online video conference fatigue.

Additionally, there’s been a mass resignation of people who no longer want to work at jobs that require employees to go back to the office or another physical worksite and hourly workers seeking better wages and workplace protections. 

Notably, some large employers announced they don’t plan to have employees return to the offices until 2022. Other large companies, including some technology companies, have shifted their employees to work remotely permanently. Your company may have similar plans.

If you’re working from home, look into whether your company has provided guidance about when you might need to go back into the office. You may be in for the long haul if your company has been quiet about a return-to-office date.

The COVID-19 pandemic has also changed driving habits

Before the COVID-19 pandemic, regular commutes and dealing with traffic were common hassles for many employees.

Metromile analysis of driving data in 2020 found that many drivers have changed how they drive, even if they recently picked up their driving. Weekday morning and evening commute-hour driving has been replaced with afternoon and weekend trips. Other drivers are spending less time on the road, continuing trends that began in the spring of 2020 when shelter-in-place orders and public health guidelines limited driving.

You could save on car insurance

While there have been time savings and some cost savings with gas, it’s also possible to save even more. If you’re looking for car insurance, work from home can lead to more savings when you choose pay-per-mile coverage.

If you currently have a remote or flexible work schedule, you are likely driving less often. In addition to potential time savings and fewer trips to the gas station, there are more ways to save.

Many drivers are currently saving money because they have pay-per-mile car insurance.

Pay-per-mile auto insurance is a type of usage-based insurance, which means rates are based on how you use your car, most notably how far you drive. Your premium can adapt to your lifestyle in almost real-time, as you pay for the miles you actually drive. This can give you more control of your auto insurance costs.

Pay-per-mile auto insurance can make sense for you

In the past year and a half, many drivers believed it wasn’t fair that the price they pay for auto insurance didn’t change, even as their lifestyles changed. Pay-per-mile auto insurance could be fairer because it considers how you drive.

If you spend more time at home or your work schedule has changed, you could save with pay-per-mile auto insurance.

Drivers pay a low monthly base rate and a few cents for each mile they drive. If you don’t often drive, you could save money.

Many Americans drive fewer than 40 miles each day and are considered low-mileage drivers. Low-mileage drivers can save 47% a year when they switch to Metromile, according to a 2018 survey of new customers who switched and saved.

You can see if pay-per-mile auto insurance is right for you with a free Ride Along™. Download the Metromile app, and get a free auto insurance quote. Next, you’ll drive as you typically would for about two weeks (make sure to keep your current auto insurance coverage so that you remain covered during the trial), and you’ll see how much you could save if you switch car insurance companies. You could also earn an additional discount of up to 15% off your initial quote in select states for demonstrating safe driving during your Ride Along.



Melanie Lockert is a freelance writer, podcast host of the Mental Health and Wealth show, and author of Dear Debt. She’s a cat mom to two jazzy cats, Miles and Thelonious, an amateur boxer, music lover, and needs coffee to function.