back to articles | April 02, 2024 | Moses Mwangi

Categories: Lifestyle

Does Your Job Title Affect Your Car Insurance

Besides your car type, insurance companies look at many other aspects to determine your auto insurance premiums


Getting the right auto insurance can be overwhelming. You receive countless adverts from various insurance companies through email, not to forget the hysterical ads on YouTube and TV. Each insurer offers unique incentives. They also provide you with lots of options with different limits and coverages.

Besides your car type, insurance companies look at many other aspects to determine your auto insurance premiums. These include your credit score, driving habits, where you live, not to mention your job title. Read on to learn why your job title counts when insurance providers set your premiums and the cheapest and most expensive job titles for auto insurance.

Why does your job impact the cost of car insurance?

Your job title is one of the things that insurers consider when determining the cost of your car insurance. When quoting car insurance premiums, they typically look at historical claims data to assess high-risk occupations.

There are several reasons why your job can affect the cost of your car insurance premium. These include:

Using a vehicle for work

Using a car in occupations such as tradesmen could mean many miles per day since these individuals travel from one job to another. This might increase the risk of a claim, meaning the insurance premium charged would be higher. Most such occupations also require you to carry costly tools and equipment, which might be vulnerable to theft.

Working late hours

In occupations like the hospitality and entertainment industry, where unsocial hours of work are involved, bar staff, chefs, and waiters are likely to face higher premiums. These individuals are likely to drive in the dark, where reduced visibility poses a higher risk of accidents.

Leaving a car unoccupied during late hours in vulnerable areas might also increase the risk of theft or damage. A good example is vehicles left near public apartments or nightclubs.

Essentially, if your insurer considers your occupation or job title to be higher risk, you might end up paying more for your car insurance. However, keep in mind that insurance companies often offer discounts on auto insurance based on what they term “good or low-risk occupations.” Be sure to notify your insurance provider if you change employment, as you might qualify for cheaper rates or require different coverage.

High-risk occupations and their impact on premiums

Certain job titles are considered higher risk on the road, often resulting in increased insurance premiums. Here are a few examples of high-risk occupations.

  • Sales professionals: People in the sales department usually travel excessively for work, increasing their time on the road. As a result, this increases their risk of being involved in an accident.
  • Emergency services personnel: Police officers, firefighters, and paramedics are usually required to drive under stressful conditions, sometimes at high speeds. This can increase the risk of accidents, and as a result, they might face higher insurance premiums.
  • Truck drivers: Long-haul drivers spend a great amount of time on the road, usually in big vehicles that can cause serious damage in the event of an accident. This often leads to higher insurance premiums.
  • Delivery people: Drivers who use their personal cars for delivery services like food and parcel delivery are likely to face increased insurance premiums. This is because they are frequently on the road, increasing their likelihood of an accident.
  • Construction workers: Construction guys usually drive large trucks and heavy machinery. They might also need to park in construction sites where vehicle damage is likely to occur, which may result in higher insurance premiums.
  • Medical professionals: Doctors, nurses, lab technicians, hospital admins, and dentists, particularly those on call or working irregular hours, can be considered high risk due to the likelihood of fatigue-related accidents.
  • Tax/Uber drivers: Just like delivery people, taxi or Uber drivers spend a lot of time on the road, usually in high traffic. This can lead to higher car insurance premiums.
  • Professional entertainers or athletes: These people usually have irregular work schedules and might own high-value cars. Both these can lead to higher insurance premiums.

Keep in mind that these are just general trends, and actual insurance premiums may vary based on different factors, such as the type of car you drive, your driving history, and the specific policies of the insurance company. Therefore, it’s always good to shop around and compare insurance quotes from multiple insurers to ensure you get a policy that suits your needs at an affordable price, whatever your occupation.

Low-risk job titles and their impact on insurance premiums

Low-risk job profiles are those that insurance providers regard as less likely to lead to a claim. This might be due to less stressful working conditions, less time spent on the road, or a discerned tendency towards safer driving habits. Here are a few examples of low-risk job titles and their impact on premiums.

  • Mechanics: Mechanics tops the list of low-risk job titles and lower insurance premiums. This is due to their in-depth knowledge of vehicles and everything that can go wrong with their cars.
  • Engineers. Engineers, including scientists, are usually perceived as precise and detail-oriented. Their traits can lead to safer driving habits and reduced insurance premiums.
  • Teachers or educators: Teachers and educators are often seen as cautious and responsible. These traits can translate into safer driving habits, meaning they might benefit from lower insurance premiums.
  • Accountants: Accountants or bookkeepers are usually discerned as cautious and detail-oriented. As a result, this can translate into safer driving habits and reduced insurance premiums.
  • Office employees: Office workers usually get lower insurance premiums, especially those in roles that don’t require much travel. These people typically spend less time on the road, lowering their overall risk of accidents.

Does being unemployed affect your insurance premiums?

Insurance companies typically consider unemployed car owners to be riskier than those employed. This is because they assume you will be on the road more, driving to and from job interviews on a regular basis. As a result, the insurance premium of an unemployed driver tends to be higher. Insurers also see people without a job as a higher risk since they are more likely to file a claim.

It’s best to ask your insurance company what title to use if you are waiting to start a new job. Using your new job title is usually fine, but rules can vary depending on your insurer. Be sure to read the fine print to be safe.

Other factors that impact the cost of car insurance

  • Age: Young drivers are typically considered higher risk on the road, meaning they can expect to pay more for their car insurance.
  • Mileage: The more miles you drive, the higher the risk of getting involved in an accident. More mileage will also translate to higher insurance rates.
  • Car make and model: The car you drive and the insurance group it falls under greatly affect how much you will pay.


Your job title is definitely a factor that insurance companies consider when determining the costs of a car insurance policy, and different occupations have varying rates and premiums. And while you can make some changes to your job title, it’s important not to lie, as this could invalidate your insurance and be seen as fraud. Luckily, there are other effective ways to lower your insurance premiums, even if your job profile is considered high-risk.