Elijah Black is a Greenville, South Carolina native with a B.A. English from Coastal Carolina University. He is a fiction writer and also works as a freelance writer and editor. He’s worked as a Production Assistant for WYFF 4 and has been published in several publications and websites across the United States.

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Reviewed by Rachael Brennan
Licensed Auto Insurance Agent

UPDATED: Sep 7, 2021

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Don't Forget These Facts

  • You can lower your SR-22 and telecommuting auto insurance rates if you drive less
  • You will pay higher rates in the meantime, but you might be able to get various discounts on your car insurance because you work from home
  • Keep your car insurance current, and still talk to your SR-22 and telecommuting auto insurance company to find out if you are eligible for certain discounts and rebates

Is it possible to find affordable SR-22 and telecommuting auto insurance rates? Yes, but realize your rates may still be higher than most drivers.

It may be hard to find cheap SR-22 insurance, but now that you are telecommuting, you might be able to save on your car insurance.

People who telecommute often drive less. They are less of a risk to car insurance companies because they are less likely to be involved in a car accident.

If you manage to reduce your risk, that will also help you get out of your probationary period sooner. Still, you may have unique challenges based on your current situation. Keep reading to learn which companies may give you a rebate for driving less and how to find an affordable SR-22 and telecommuting car insurance policy near you.

If you can’t wait to see rates from the top SR-22 auto insurance companies in your area, enter your ZIP code into our free quote tool above right now.

How much are SR-22 auto insurance rates?

Before discussing an SR-22 and telecommuting car insurance policy, let us review: What is SR-22 insurance?

SR-22 insurance is shorthand for high-risk auto insurance for someone who has a serious offense on their driving record. That person is usually on probation for around three years, based on the state.

When someone needs to file an SR-22 Financial Responsibility Form, their driver’s license was suspended or revoked, and that could be for the following reasons:

  • Driving while under the influence of alcohol (DUI) or driving while intoxicated (DWI)
  • Causing an accident while lacking insurance or otherwise being caught driving while uninsured
  • Receiving citations for numerous moving violations, like speeding or parking tickets, within a short time

One would also need to file an SR-22 form if they were delinquent on child support payments.

Now, if you need to have SR-22 insurance, you might be wondering how much your auto insurance will increase. Here are sample quotes from top companies based on the type of infraction you may have on your record:

SR-22 and Telecommuting Car Insurance: Rates from Top Companies
CompanyAverage Yearly RatesAverage Yearly Rates After a Traffic TicketAverage Yearly Rates After First Accident*Average Yearly Rates After a DUI/DWI
American Family$1,293$1,344.72$1,680$1,836.06
Liberty Mutual$1,565.48$1,956.85$2,035.12$2,222.98
State Farm$1,285.90$1,478.79$1,671.67$1,774.54
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*Some of the companies offer accident forgiveness for the first accident to drivers with a clean record.

Understandably, a DUI/DWI or an at-fault accident that results in injuries would raise your car insurance rates the most.

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How can I lower my SR-22 and telecommuting auto insurance rates?

You may be wondering, “Will my car insurance go down if I work from home, even if I have an SR-22?”

The answer is — yes, you can find affordable car insurance for remote workers, but you must talk to your insurance company and shop around for quotes from multiple companies near you to secure the cheapest SR-22 insurance rates possible.

Can you get a rebate for driving less?

It is possible. More than 82% of American car insurance companies planned to reimburse drivers over $6.5 billion over two months. Many policyholders received rebates because most people were driving less due to the COVID-19 pandemic.

The Consumer Federation of America highlighted the rate reductions and refunds that top auto insurance companies pledged to give to their customers. The following is what we know about refunds and rebates that specific companies gave or promised to give to drivers:

SR-22 and Telecommuting Car Insurance: 2020 Reductions in Rates and Refunds from Top Car Insurers
Car Insurance CompanyAmount of Relief to Policyholders in 2020
21st Century25% reduction in rates for April
AAA Northern California20% refund for two months for policies in force as of April 30; to be credited or refunded May 31
Allstate15% of April and May premium credited to policyholders’ accounts or paid in refunds
American Family$50 refund per covered vehicle
Amica Mutual20% of April and May premium credited to policyholders’ accounts
Auto Owners Insurance15% refund for April and May
ChubbReflection of 35% rate reduction for April and May, credited upon renewal
EriePromise of future rate reduction
Farmers25% reduction in rates for April
GEICO15% credit upon renewal from April 8 to October 7
Germania$25 refund for each in-effect policy on May 31, $25 refund for each in-effect policy on April 30, and future refund for paid in full
Hanover15% of April premium for in-force policies credited to May, 15% of May premium for in-force policies credited to June
Kemper15% of April premium credited to May, 15% of May premium credited to June, refunds to policyholders who paid in full
Liberty Mutual15% reduction on two months of annual rates as of April 7
Mercury Insurance15% of April and May premium to policyholders’ account
NationwideOne-time $50 refund (equal to 15% reduction in April and May)
New Jersey Manufacturers15% of premium refunded for three months
Plymouth Rock25% credit on liability and personal injury protection
Progressive20% of April premium credited in May, 20% of May premium credited in June, refunds for policyholders who paid in full
Safeco15% reduction on two months of annual rates as of April 7
Shelter30% reduction in April and May payments
State Farm25% dividend of rates paid from March 20 to May 31
Tennessee FarmersSpecial refund for two months of premium paid (about 24%), per vehicle
The HartfordRefund for 15% of April and May premium
Travelers%15 of premium for April and May credited to policyholders’ accounts
USAA20% reduction on policies as of March 31
West Bend$50 payment to policyholders insured as of March 11
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Auto insurance rates are always changing based on demographics and inflation. However, remote workers should still expect to pay less for their car insurance. Why is that?

Many companies offer low-mileage discounts for policyholders who drive less than others, capped at a specific number of miles.

Often, car insurance companies will use telematics to determine low-mileage discount rates. Either you plug a device into your car or use a mobile app to monitor how you drive.

Here is a sample of the type of user-based insurance discounts that the top insurance companies offer:

SR-22 and Telecommuting Car Insurance: Low-Milage Discounts
CompanyLow-Mileage Discounts OfferedSavings at SignupExtra Savings
Allstate (1)Drive-Wise10%25%
Allstate (2)Mile-wiseN/AVaries
American FamilyKnowYourDrive10%20%
Liberty MutualByMileN/AVaries
Nationwide (1)SmartMilesN/AVaries
Nationwide (2)SmartRide10%40%
State FarmDrive Safe and Save5%30%
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Note that Milewise, ByMile, and SmartMiles are all pay-per-mile programs. They use apps or plugins to monitor the number of miles you drive. The other programs track your miles and your driving habits.

What other SR-22 and affordable telecommuting auto insurance discounts should I ask for?

Try to lower your work-from-home car insurance rates by asking your insurance company if it can give you any discounts. Besides low-mileage discounts, you should ask about the following:

  • Multi-policy discounts:  Some companies tend to be generous with those who bundle their home or renters insurance with their auto insurance. 
  • Pay-in-full discounts: When you first get an SR-22, you are required to pay in full anyway. You might as well see if you can get a discount for your payment and if your insurance company offers it.
  • Safety and anti-theft features discounts: Some companies offer discounts if your car has factory-installed or added safety and anti-theft features. Things like extra airbags, steering-wheel locks, and hidden kill switches reduce risk.

You may also want to ask about safe driving discounts. Companies may offer multiple ways to save in this regard. For example, you could go a year or more without an accident or take a defensive driving course.

If you have a serious blemish on your record, you may not be eligible for some specific rate reductions with most companies, but it’s still worth it to ask.

What else can you do to lower your auto insurance rates?

You can also save money by reducing your liability limits or dropping coverages that you don’t need. Just remember to meet state requirements for liability insurance minimums.

However, based on the level of your offense, car insurance will be more expensive for you than the average driver, even if you work from home. Still, think about getting as many discounts as you can to lower your rates.

When do remote workers need non-owner SR-22 auto insurance?

Should you buy SR-22 non-owner insurance if you work from home? Yes.

If you need to drive at all, you need to buy auto insurance, period. Also, since you are essentially on probation, you must show proof of continuous car insurance coverage for your probationary period to end on schedule.

Therefore, you should purchase a non-owner SR-22 insurance policy if you plan on driving someone else’s car.

SR-22 and Telecommuting Auto Insurance: The Bottom Line

You should be able to buy SR-22 and telecommuting auto insurance if you need to work from home, whether you own a car or not. Since having uninterrupted car insurance coverage is a requirement during this period, you should find the best insurance based on your needs.

Never compromise on the quality of coverage, so shop around for multiple SR-22 and telecommuting auto insurance quotes to find the right company. Don’t forget to ask about any discounts or rebates you might qualify for based on your work status.

Just remember to keep your auto insurance current.

Also, if you recently moved to a state where you are not required to file an SR-22, it helps to be honest about your record and still comply with the laws of your former state.

Do you need to find affordable SR-22 and telecommuting auto insurance quotes in your area now? Enter your ZIP code into our free quote tool above and get started.