Car Insurance Rates for Professional Athletes

The average car insurance rates for professional athletes are $90.69/month, but this can vary. The more you use your vehicle and the more expensive the vehicle, the higher your rate will be.

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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: Sep 8, 2021

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Here's what you need to know...

  • Professional athletes have low car insurance rates compared with most other occupations
  • If you only use your car for part of the year, or you use it to drive a minimal amount of miles, your premium may be lowered
  • Your driving history has the biggest impact on your insurance rates

The average car insurance rate for athletes is $1,088.29. This rate is lower than many other occupations in the United States. While professional athletes may seem like a high risk bunch, they may be more averse to anything that would cause a career-ending injury. In short, they may drive more responsibly and present a lower risk. More importantly, they may be on the road with their teams a lot leading to less time behind the wheel.

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How does your job affect your car insurance?

Anything that impacts your premium relates to the risk that is associated with you as a driver. If college athletes get in more accidents or get more tickets due to drinking, speeding, and other high-risk behaviors, their rates will collectively go up. If the same college athletes spend more time with the team practicing and less time on the road leading to a lower risk of an insurance claim, their rates may go down.

High-risk drivers will have to pay higher insurance premiums because they are more likely to file a claim.

A lower rate does not necessarily indicate the driver is less likely to be involved in an accident. However, it does indicate that the driver is less likely to file a claim or cause an accident that would lead to a payout. It also means the driver is less likely to get a ticket that would show up on their record.

Higher income professions will have drivers that are more likely to pay out of pocket to fix minor damages. Whether they’re in college or if they have a professional contract, athletes may also be more risk averse to anything that could interfere with their career. Even a temporary injury could cost a serious athlete millions of dollars.

There are many factors relating to an occupation that can have an effect on your auto insurance policy. The most important factor is how much you drive your vehicle.

As an athlete, you are likely doing a lot of traveling between states. If this traveling entails you driving between venues and destinations, your rates will be higher. In most cases, teams travel together on planes, buses, etc.

If your vehicle is only for use at home, then you may have discounted rates. Traveling on the road for several months out of the year indicates that you will not use your insured vehicle as much as the general population.

If the vehicle is only driven during certain months out of the year, your carrier may be able to change your coverage for a certain time period in the year to save you money on your premium.

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How are car insurance rates determined?

Insurance companies determine your rates exclusively through a risk-based analysis.

Anything that raises your insurance is a result of you being labeled as a high-risk driver. Your driving history is going to affect your insurance rates more than your occupation will.

Insurance companies will generally look at your driving record for the last three years to determine your rate.

Speeding tickets, car insurance claims and accidents will all go against your record and increase your insurance premium. Professionals sports may allow you to buy new cars with more safety features, which can drive rates down. Your zip code could also lower your rates if you live in a low crime area. If you live in a zip code with a lot of claims and/or break-ins, it could also drive your rates up even if you’re a perfect driver.

Drivers under the age of 25 are considered high-risk drivers. In this age group, males are higher risk than females.

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What coverage should I have?

As an athlete, there are additional precautions you may want to take. It is important to be in good shape for your job.

If you are involved in an accident that causes serious injury, that can affect your ability to perform your job.

For this purpose, you will want to get full coverage.

Full coverage is collision, comprehensive and liability insurance.

This will increase your odds of being able to obtain a settlement in the event of an accident. This settlement will help to make up for lost funds from not being able to work.

Car insurance may only cover work losses for a certain period of time after the accident. For this reason, you may wish to look into alternate insurance protection in the event of serious injury from an accident.

How can I save money on my car insurance?

If you are doing a lot of traveling for your occupation as an athlete, you may be able to save money by dialing back your insurance coverage for a certain period of time out of the year.

If your occupation requires you to be traveling on airplanes during the season, then you may not be driving your vehicles during this time.

Your car insurance company may be able to take full coverage off of your automobile during the season if you are not driving the vehicle. The minimum insurance requirements by state law are only required if you are going to drive the vehicle.

Any car you have that is only driven during a specific time of the year may not require insurance for that period. This is an opportunity to save money on your annual premium.

Multiple insurance policies are a common way to save money on car insurance.

You can do this by having your home or life insurance with the same company for your car insurance. Paying your premium in a lump sum will usually result in a discount as well.

Shop around to find out what other kinds of discounts insurance companies can offer you based on your specific situation.

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