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Insurance Costs For Pilot Navigators

Pilot flying plane
Here's what you need to know...
  • Pilots tend to pay less than the national average for car insurance ($965.94 vs $1325 – as of 2014)
  • Factors such as daily commute, annual miles driven, age, sex, and more affect pilot car insurance costs
  • Pilots can lower their car insurance premiums even more by looking for companies that offer good discounts

On average, a pilot navigator pays about $965.94 annually for their auto insurance. This information is based on a pool of insurance companies who provided data for a series of careers and what those individuals in those careers pay.

Pilots pay less for their auto insurance when compared to most other professions except for scientists, and those retired or not working. However, you can still end up paying less or more depending on a number of other factors that the auto insurance companies consider.

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As a pilot navigator, you know that the things that you do in your everyday life can actually impact your job. For example, drinking and driving can actually lead to being terminated from your position as can reckless driving, speeding tickets and so on.

It is for this reason that auto insurance companies are more inclined to offer lower rates to pilot navigator’s than they are to people in many other career types.

These days, many (but not all) auto insurance companies are choosing to use your occupation as one of the markers to determine what you should pay for insurance. As a pilot navigator, your rates will typically be lower than people in other careers because of the way that you are outside of your job can impact what happens to you at work.

What Insurance Companies Consider

Factors written on a chalkboard

When determining your rates, insurance companies will use more than your occupation to determine how much you should pay. Just because you are a pilot doesn’t automatically mean you are going to get the lowest rates, especially if you have any points on your license or have numerous car insurance claims with the insurance company.

In fact, there are some insurance companies that won’t consider your occupation as a marker at all. Because of this, getting a quote from multiple companies is the only way to ensure that you are getting the lowest rates. This is especially true because there is no guarantee that a company that does use your occupation as a marker will actually have the lowest rates.

It is important to understand as many of the factors that the insurance company considers when you are looking for auto insurance. It isn’t possible to know all of them because these factors will vary between insurance companies, although many use some of these basics:

  • Your age
  • Your gender
  • Your driving history
  • Car age
  • Car type
  • Car value
  • Car safety features
  • Car anti-theft features
  • How much you drive
  • Where you drive
  • Where you live
  • Crime rate in your area

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Choosing Your Coverage

In addition to all of the factors mentioned above, your rates will be affected by the type of auto insurance product that you choose. Liability insurance, for example, is going to be less expensive than a combination of auto insurance product.

In addition, there are even different levels of liability coverage. The minimum starts at whatever your state minimums happen to be, which varies from state to state. Here are some examples of minimums from different states:

  • Alaska 50/100/25
  • California 15/30/5
  • Delaware 15/30/5
  • Florida 10/20/10
  • North Carolina 30/60/25
  • Ohio 12.5/25/7.5
  • Pennsylvania 15/30/5
  • South Dakota 25/50/25
  • Tennessee 25/50/10
  • Vermont 25/50/10
  • Washington 25/50/10

As you can see, the minimums vary quite a bit. The numbers here represent liability coverage. The first two numbers represent injury to a person, in thousands of dollars. The first number is how much coverage you can have per person and the second number represents the maximum allowed per accident. The last number is the maximum payout for damages to the vehicles in an accident.

These numbers only reflect damages to other people and other vehicles, not you or your vehicle!

Now, take a moment to look at the Ohio car insurance numbers. The maximum amount this insurance coverage pays for damages to other vehicles in an accident is $7,500 and the maximum amount it pays for injuries per person in an accident is $12,500. If you have a serious accident, this coverage will not cover the cost, which leaves you liable for the rest!

How to Choose the Right Car Insurance Policy


Although you want to save money on your auto insurance, it is important to know how much you can afford to pay out of pocket and how much you will need your insurance company to step in and help.

By choosing the right insurance coverage, you will ensure that you have all the protection that you need, should the worst happen.

Here are some covers you should consider:

Of course, you also need to consider the value of your car before you purchase extra insurance for your vehicle.

If you want to get the lowest possible rates on your auto insurance, then you need to start by getting online auto insurance quotes. In addition, you need to ensure that you ask your insurance agent about any discounts that you may qualify for as well.

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