Car Insurance Rates for Actors, Performers, and Artists

The average car insurance rates for actors, performers, and artists are $80.91/month. Check with your insurance company today to see if you qualify for low mileage or guild membership discounts.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: May 26, 2020

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Here's what you need to know...

  • Based on several occupational factors, insurance companies tend to offer lower rates to actors, performers, and artists
  • Check with your insurance provider to see which discounts apply to you
  • Use an online comparison tool if you don’t currently have insurance

According to Kiplinger’s Personal Finance, your occupation can affect your car insurance rates. Among those paying the lowest annual car insurance rates are actors, performers, and artists.

The average artist/performer/artist pays about $971.10 annually for car insurance rates.

Compare car insurance quotes from multiple companies now by entering your ZIP code above!

Other occupations, like attorneys and business owners, pay higher car insurance rates. Based on statistics collected by car insurance companies, higher job stress creates the potential for a car accident or property loss claim.

That’s why asking your car insurance agent about occupational titles is another way to save money on car insurance rates! Let’s say you’re an executive member of an artist guild.

Should you self-identify as an artist or executive? Read the following article to help decide.

Actor/Performer/Artist Car Insurance Rates

According to the U.S. Occupational Handbook, actors, performers, and other artists may spend years gaining the education and skills necessary to execute their craft.

Because many actors and performers live in urban areas, where they have access to theaters and studios, taking public transportation may afford the best way to travel from one place to another.

Those who use public transportation for work may also qualify for lower car insurance rates.

Using a car for personal travel alone can reduce your annual premium. Low annual miles, regular maintenance, and sheltering the vehicle may help you get lower car insurance rates.

Ask your car insurance agent about how to get the most affordable car insurance if you’re an artist, performer, or actor.

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Ways to Lower Actor/Performer/Artist Car Insurance Rates

Combining your car insurance with a homeowner or umbrella liability policy can save you money, too.

Actors, performers, and artists without a car right now shouldn’t drop car insurance from their list of essentials. If you plan to own a car in the near future, ask a friend or relative to add you to their car insurance policy.

Your risk to the driver on the policy is zero (you aren’t driving a car and don’t own a car), and your car insurance history will continue to appear great later. Driving low annual miles should also qualify you for even lower car insurance rates (from 5 to 10%).

Some car insurance companies actively pursue actors, performers, and artists as clients.

Do a little online research to find out which insurance companies–in which states–like your artist profile! According to Kiplinger, Esurance offers some occupations a 10% discount on car insurance rates.

Actor/Performer/Artist Car Insurance Rates and Credit

We’ve all heard about “starving artists” in popular culture. If your credit score isn’t up to par, if there are mistakes or items you should clean up, start by requesting your credit profile for free once each year.

TransUnion, Equifax, and Experian offer the chance to review your credit file at no cost every 12 months. Other factors, such as unemployment or receipt of public assistance, may qualify you for additional free access to your credit report.

Car insurance providers may check your credit report as part of a comprehensive decision to offer or deny coverage. A higher FICO credit score qualifies you for lower car insurance premiums.

Build on your occupational status with a good credit score. Report any errors in writing at least a month before you plan to apply for new car insurance. Your savings on car insurance rates will reward the effort.

Actor/Performer/Artist Car Insurance Coverage Options

If you drive an old car, paying for certain kinds of car insurance coverage may not make financial sense.

Ask your car insurance agent about whether you should drop collision or comprehensive coverage on your car insurance policy. Such a strategy may save you up to 33% on car insurance rates.

Don’t make decisions based only on car insurance premium costs.

Protecting other drivers and your assets after a car accident is one of the greatest benefits of car insurance.

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Actor/Performer/Artist Car Insurance and Your Car

The kind of car you drive also helps determine how much you pay in car insurance rates. Some cars on the road simply cost less to repair. That’s why, if you’re in the market for a new car, you should check out the makes and models of the least expensive cars to insure.

Some insurance companies even offer vehicle rating information on their websites.

Compare auto insurance rates now by entering your ZIP code below for fast, FREE quotes from several companies!

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