A commuter route learning program learns a telematics subscriber's common travel routes (e.g. work-home, home-school, etc.) and offers traffic reports based on the routes. In one aspect, three modes are used to establish routes and offer traffic reports. These modes include a Learn Mode during which the commuter route learning program learns new commuter trips, a Pattern Recognition Mode during which the commuter route learning program recognizes and categorizes routes from patterns of trips, and an Execution Mode during which the commuter route learning program automatically provides commuter route traffic congestion information to a subscriber.