Why are car insurance rates for administrators so high?

Administrator car insurance rates are $100/mo on average in the US. Administrators receive higher car insurance quotes because their jobs are perceived as very stressful.

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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: Jun 22, 2020

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Here's what you need to know...

  • A recent survey evaluated which professions pay the most of car insurance
  • Administrators are ranked 51st out of 60 job categories of most expensive insured professions
  • The average annual premium of administrators is about $1,200
  • Insurance companies consider the amount of stress included in a job when determining policy rates

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In addition to the type of car you drive, what its value is, and how many miles you put on it every year, car insurance companies are also interested in what you do for a living when determining your rates.

They know that different jobs require different types of personality traits and skill sets, all of which affect your performance behind the wheel and influence your skill as a driver.

Presumably, professions that are unusually stressful might produce more risky drivers while those workers who tend to be more laid back and analytical in their thought processes would be safer drivers to insure.

Defining Administrators

The term administrators refers to professions in which an individual at the mid- to senior management level is responsible for the daily operations of a business or other organization.

Examples of this would be hospital administrators, nursing home administrators, those who run nonprofit organizations, mid-level managers, and so on.

These types of jobs require individuals who can wear many hats and keep track of many things at once.

Low-level management or individual business owners would be under a different classification. In some cases, administrators might include some government contract workers.

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Job-Related Stress

One of the most difficult parts being an administrator is the inherent stress of the job itself.

By definition, an administrator is responsible for making sure all of the different pieces of a company fit and work together properly.

He or she is handling all types of issues including scheduling, workload distribution, quality control, and output. With so many things and people to worry about, being an administrator can be very stressful.

It might be that administrators are slightly higher risks behind the wheel because of the tendency for their mind to be elsewhere.

With a million things to do, an individual could leave work at the end of the day and already be thinking about tomorrow’s tasks. Such distractions tend to keep his mind from being focused on the road, which may lead to traffic infractions and/or accidents.

Administrative Fatigue

It’s also no secret that administrative work is mentally taxing. The typical person in such a position spends a good deal of the workday performing mental gymnastics, the likes of which most of us never encounter.

By the time the end of the day rolls around, many administrators are so mentally exhausted that they have a hard time concentrating or paying attention to what’s going on around them.

Mental exhaustion is an impairment and may prevent the driver from doing the best he can. Along with that mental exhaustion is the physical fatigue that often accompanies it. Working extremely hard for 8 to 10 straight hours tends to bring about tiredness.

A long drive home could be potentially dangerous if the administrators have had a hard day and are physically tired enough to fall asleep.

As you can see, there are several reasons why administrators might pose a greater risk behind the wheel than other professions.

When you compare the type of work they do to some others, like scientists and students, it’s easy to see why they might have a harder time concentrating, staying awake, and paying attention to all the minute details required for safe driving.

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