u/After_Page740

I don't commute. I work from home and maybe drive 400 miles a month total. State Farm didn't care, same flat rate as everyone else. Someone on here mentioned Lemonade uses mileage and your driving habits to set your rate. Got a quote, came out way lower. They use your phone to track how you drive and adjust from there. Makes so much more sense for people who barely use their car. If you're in Texas, Ohio, Illinois, Colorado, or a few other states it's worth checking.