Money Expert > Car Insurance > A Guide To The Cheapest Job Titles For Car Insurance
A Guide To The Cheapest Job Titles For Car Insurance
Last updated: 04/02/2025 | Estimated Reading Time: 8 minutes
Money Expert > Car Insurance > A Guide To The Cheapest Job Titles For Car Insurance
Last updated: 04/02/2025 | Estimated Reading Time: 8 minutes
Did you know you could get cheaper car insurance by wording your job title slightly differently? Or that the driving behaviour of other people in your profession can affect your own car insurance quote?
Let's take a look at how your job title affects your car insurance, and how you can make your car insurance cheaper even if you're in a high-risk profession.
Yes, your job title can affect your car insurance premium quite significantly. 'Riskier' jobs could cost over £150 more per annum in car insurance than less 'risky' jobs. So, it's worth knowing how your job title could impact your car insurance costs before you sign up to any car insurance policy.
There are many factors that make a difference when it comes to car insurance and job titles, but ultimately it all comes down to risk (or perceived risk).
If a particular job title is associated with a higher-than-average volume of insurance claims, that job will be considered a higher-risk occupation. People in higher-risk occupations are likely to get hit with larger premium costs.
Another important factor is the amount of driving that certain job titles imply. Annual mileage is a big factor when calculating any insurance premium. More driving means more wear and tear on the vehicle and a higher probability of getting into accidents. So, if your job typically involves a lot of driving, it's likely that you will have to pay more for car insurance.
On the other hand, if your job title implies that you're at low risk of making a claim, you may well find that you are eligible for cheaper car insurance. For example, the cheapest jobs for car insurance are Mechanic and Administrator.
Mechanics are seen as low risk because they are knowledgeable about cars and often able to fix any problems themselves without making claims. Administrators, meanwhile, are seen as sensible and responsible, with relatively low annual mileage.
Whether or not this is fair on an individual level doesn't make much difference, as quotes are calculated based on broad data averages. However, there are other personal factors that can help bring your car insurance down if you feel that you're being unfairly penalised for your job title. We'll get into those a bit later.
These are the top 10 cheapest job titles for car insurance (listed from cheapest to most expensive):
Job Title | Average Annual Insurance Cost | |
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 |
*Statistics drawn from Vanarama.
These are the most expensive job titles for car insurance (listed from most to least expensive):
Job Title | Average Annual Insurance Cost | |
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 |
*Statistics drawn from Vanarama.
Let's say that you are employed as a driver, and are struggling to find cheaper car insurance due to your job title. Is there anything you can do to convince car insurance companies that you're a responsible driver who deserves a lower quote
Basically, it's all about mitigating risk. If you can prove to insurance providers that you are a low-risk driver, they're more likely to apply discounts and make your car insurance cheaper. While they might not reduce the 'risk' associated with your job title, they might lower your risk threshold in other ways.
Let's take a look at some of the ways you can make your car insurance premium cheaper:
Lowering the cost of your car insurance is possible with a few smart adjustments to your policy and driving habits. Here are a few examples:
Your job title could mean that you get charged more for car insurance. Luckily, there are plenty of insurers out there to choose from, and it's likely that some will offer much better deals for you than others, no matter what your job title is.
The best way to find the perfect insurance provider for your circumstances is to compare as many quotes as possible. The quickest and easiest way to do this is through MoneyExpert. Simply give us a few details, and we'll come up with hundreds of suitable car insurance quotes to compare. It's a simple process that could save you hundreds of pounds on your premium.
Yes, your job title can affect the price of your car insurance. People with occupations that correlate with low risk in insurance terms may be offered cheaper car insurance than people in higher-risk professions.
Yes, you should tell your insurance provider about all of your jobs. Not doing so could invalidate your policy. In general, insurers will focus on your main job title when determining the price of your premium, but will take other jobs into account.
Insurers do not usually check up on your employment when offering premiums, but they may ask for proof of occupation if you have an accident and need to make a claim. As such, it's best to be completely honest when disclosing your occupation. If you do have an accident and are subject to an investigation, knowingly lying about your job to an insurer could result in charges of insurance fraud.
Car insurance for unemployed people is often higher than for people who are in work. Unemployed people are considered a higher insurance risk due to a number of factors, including reduced ability to pay for car maintenance and driving more than the average employed person. If you are unemployed, there are other things you can do to get cheaper car insurance, such as shopping around thoroughly before picking a premium and taking an advanced driving course.
You may not have to notify your insurer if your job title changes but you are in the same occupation. For example, getting a promotion from sous chef to head chef makes little difference in car insurance terms, as you are likely to be doing the same amount of driving (and to the same place). However, if you change occupations (for example, from a sous chef to a delivery driver) you should notify your insurer, as this kind of change could impact your car insurance premium.