Architect Car Insurance Rates

On average, architect car insurance rates are $94.17/mo due to the travel nature of their jobs. Architect car insurance rates tend to be higher than most.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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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 18, 2020

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Here's what you need to know...

  • For some insurance companies, your career can influence your premium
  • Architects tend to pay more for car insurance because they drive more and talk on their cell phones while driving
  • The national average premium for architects is around $1,130 annually
  • Be sure to compare quotes from multiple insurance companies to determine which ones take your career into account


As an architect, you might be surprised to learn that your auto insurance rates fall somewhere in the middle when it comes to what you pay a year.

In fact, the national average premium for architects in the U.S. is $1,130.71 per year.

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Careers and Insurance Rates

You may feel as if you have a prestigious position, and you could very well be right.

After all, your career choice allows you to design buildings, which may also lead to you being someone who also supervises the building of a project as well.

So, why does someone in this field pay more for their car insurance than, say, a scientist? Well, the answer to that isn’t easy.

The insurance companies will tell you that, statistically speaking, architects have more car accidents than scientists, but what is the reason for this?

First of all, your job requires you to be on the road far more often than someone who works in a lab, especially if you are an architect that meets regularly with your clients and closely supervises your projects.

In addition, architects tend to spend more time on the phone while they are driving.

This isn’t always true, of course, and there are plenty of people who are using hands-free devices to talk on the phone, but the truth is that this is a distraction that creates a higher risk for having an accident.

While you may be an excellent driver without a bump in your record, if you are a policyholder at an insurance company that uses your occupation as a marker for how much you pay for your auto insurance, your career, and not your driving record, could make a huge impact.

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Insurance Companies That Make You Pay

You might be looking for a list of insurance companies that use occupational markers to determine premiums, but you are going to be hard pressed to find one.

The reason for this is that this practice varies from state to state. In fact, the only insurance company that uses occupation as a marker in every state is Geico.

What this means for you is that you are going to need to ensure that you get auto insurance quotes from multiple companies in your area.

You don’t need to contact all of these insurance companies to ask if they will consider your occupation in your quote. The answer should be obvious in the offer they give you.

Of course, occupation isn’t the only factor that they will consider.

Other factors include things like your age, gender, type of car you drive, driving record, where you live and much more.

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However, if you have an excellent driving record and your rates with a couple of companies are far higher than others, you may be able to assume that the higher rated companies are the ones considering your occupation.

No Laws Preventing Occupational Markers

If you are wondering if there are laws in place that prevent insurance companies from using occupational markers, the answer is no. This hasn’t stopped customers from making an effort to end the practice.

In New Jersey, for example, a case was filed against the Department of Insurance stating that this practice was unconstitutional; that case was lost.

Some people feel that this practice is no different than increasing the rates for someone based on their ethnicity or their gender.

Of course, most of you probably know that in most states gender markers are an acceptable practice; however, rates based on race are not acceptable.

The bottom line is that insurance companies do have statistics on their side showing that certain occupations make more claims than others.

However, the problem with this practice is that occupational markers are too general.

You may be an architect, for example, that sells conceptual drawings and nothing else, but this won’t positively affect your rates in terms of occupation.

Saving Money

The only solution to this problem is to simply ensure that you are paying the lowest amount possible for your auto insurance.

The best way to do this is to use our free quote tool to compare auto insurance rates. This will allow you to compare the rates between multiple reputable companies in your area.

Enter your ZIP code below and get FREE auto insurance quotes from multiple companies today!

References:

  1. https://www.raic.org/raic/what-architect
  2. https://www.crn.com/slide-shows/channel-programs/208801652/10-hot-hands-free-devices-for-cell-phone-law-compliance.htm
  3. https://www.allenharmon.com/blog/why_does_my_job_affect_my_auto_insurance_rates.aspx
  4. https://www.geico.com/
  5. https://www.state.nj.us/dobi/index.html

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