How does your job title impact your car insurance?

What you do for a living can have a significant impact on your car insurance costs. Find out why that is and which jobs are the cheapest and most expensive to insure here.


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How does your job title impact your car insurance premium?

Your car insurance premium is calculated based on a number of personal factors. From obvious ones, like how many years of driving experience you have and the type of car you drive, to less expected details, such as where you live and what you do for a living.

Ultimately, all of these elements add up to how much of a risk that insurers think you are. If they deem you more likely to make a claim for an accident or other incident, your premiums will be higher.

When it comes to the way your job affects this risk, it usually comes down to how much time you spend on the road (for example, regional managers and surveyors are more likely to be driving around between locations), and when you are likely to be driving (doctors, nurses and other shift workers might be driving to and from work at unsociable hours).

That said, this is not an exact science, and sometimes all it takes is a subtle change to your job title to bring down the cost of your cover.

Best job title for the cheapest car insurance

It’s not always immediately obvious why some professions lead to cheaper insurance premiums than others, and costs can vary by provider.

However, some distinctions do make overall sense. For example:

  • Mechanics. Mechanics usually pay lower car insurance premiums, and it’s easy to see why this might be the case. Mechanics are likely to have a vested interest in cars, and so probably look after their own quite well. What’s more, they might not even claim for minor incidents and repairs, as they will be able to fix the damage themselves.
  • Professional drivers. On the other end of the scale, people who work as delivery drivers or couriers tend to be charged higher insurance premiums. This is usually because they spend more time on the road and so are at a greater risk of being involved in an accident. If you drive a car for a living and want to save on your premiums, it might be a good idea to look at specialist providers, like Zego, or see if you can get car insurance as part of your business insurance if you are self employed.

List of occupations that are cheapest for car insurance

The cost of car insurance is a very individual thing, affected by many personal factors, so exact costs cannot be predicted.

However, to get an estimate of costs, personal and commercial vehicle leasing company, Vanarama, looked at the UK’s 100 most common job titles and got a car insurance quote for each one, using the same car and driver details. The quote was based on a 38-year-old driving a Volkswagen Golf around 7,600 miles per year, with no previous accident claims to their name. The price is for comprehensive insurance with £500 of voluntary excess.

Here are the top 10 cheapest jobs to insure, according to the study (quote is per year for an annual policy in 2020):

  1. Mechanic – £298.61
  2. Administrator – £308.44
  3. Designer – £312.91
  4. Design engineer – £312.91
  5. Account executive – £313.37
  6. Commercial manager – £313.63
  7. Estimator – £313.75
  8. Engineer – £314.95
  9. Account manager – £315.29
  10. Financial analyst – £315.75

Most expensive job titles for car insurance

The same Vanarama study mentioned above was also used to find the most expensive professions to insure (using all the same details).

Here are the top 10 (quote is per year for an annual policy in 2020):

  1. Driver – £479.80
  2. Chef – £420.73
  3. Hairdresser – £383.62
  4. Bar staff – £381.69
  5. Fitness instructor – £381.15
  6. Physiotherapist – £380.88
  7. Social worker – £372.87
  8. Travel agent – £372.72
  9. Midwife – £366.19
  10. Pharmacist – £364.59

Many of these jobs involve shift work, something insurers often deem a high risk when it comes to car insurance. People in these professions are also often likely to carry expensive equipment in their car, which can push premiums up.

As mentioned above, your car insurance quote will be affected by your own personal circumstances, so won’t necessarily be the same as what is stated here, even for the same profession. The best way to find the best insurance cover for you is to compare quotes.

Can you change your job title to save on your car insurance?

Adopting a whole new career to save on your car insurance premium is probably a little drastic, so we don’t recommend that.

The good news is that no such dramatic measures are necessary, as often just slightly tweaking your job title can save you money. For example, according to the 2020 Vanarama study mentioned above, insurance for a senior manager costs £353.67 per year; however, a manager will pay £335.12 and a general manager only £328.50. So, while still answering truthfully, consider how you phrase what you do for a living.

Never give your insurance company false or inaccurate information, as this might invalidate your cover, and can even lead to you being accused of insurance fraud.

It’s important to note that the best time to change your job title is while getting a quote or applying for cover. If you change it midway through your term, you might have to pay an administration fee to make the change. That said, if your job changes completely during your cover term (for example, from a shop assistant to an administrator), you must inform your insurer of the change straight away to avoid invalidating your policy.

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