Car Insurance Rates for Bank/Clerical/Office Workers

The average rates for car insurance for bankers and office workers are $99.25/month. These occupations rank 37th out of 60 occupations for the highest car insurance rates.

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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 21, 2020

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Here's what you need to know...

  • Your occupation plays a role in the premiums you pay for car insurance
  • The higher-than-average insurance rates for office workers may be due to the levels of stress they encounter daily
  • More than anything, your driving record impacts how much you will pay for insurance coverage, so drive safely


Do you think your occupation has anything to do with your insurance rates? If you answered “no,” you would be incorrect.

What you do for a living has some bearing on how much you pay for car insurance.

Your occupation is just one factor that car insurance companies plug into a complicated formula to determine how much you will be charged.

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Including your occupation in adjusting car insurance rates comes from the statistical study of individual drivers and their likelihood of making claims.

Believe it or not, actuaries have determined that some occupational categories rank higher in the number of claims their members make than other job categories.

And since car insurance is all about risk, the more claims among a given group of people, the higher their rates will tend to be.

Bank, Clerical, and Office Workers

Bank, clerical, and office workers tend to have insurance rates that are not nearly as high as those on the top of the scale, but they certainly don’t pay the lowest rates either.

Based on a survey of 60 typical job classifications in America, these types of workers came in at number 37 out of 60, when ranked from least expensive to most expensive.

You could say these kinds of workers are just about in the middle while also suggesting they are trending upward.

The average annual premium for bank, clerical, and office workers is about $1,191.

This number factors in the average American car, a decent driving record, and an average amount of annual mileage.

The fact that these kinds of workers rank on our list right where prices turn higher suggests there might be something inherent in their work environment that makes them a more serious risk.

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Enter your ZIP code below to view companies that have cheap car insurance rates.

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Job-Related Stress

Job stress has a lot to do with how our driving skills are perceived.

A worker who leaves work stressed tends to be more aggressive and less patient behind the wheel.

Stress is often a leading indicator in the cause of accidents and violations.

It would stand to reason that if bank, clerical, and office workers experience undue amounts of stress that they would also be riskier drivers.

The question is, are their jobs more stressful?

As a general rule, we would tend to say yes, they are. How many of us have been to the bank and waited in line behind several customers who seem to be taking forever at the counter?

Bank tellers must be polite and friendly regardless of what customers throw at them; an exercise that could test anyone’s patience.

The same thing could be said about other clerical workers and office workers.

They must work as mediators between multiple groups of people and try to maintain their composure regardless of what comes their way.

Filing a Claim

Another possibility that might contribute to their insurance rates is a higher likelihood of filing a claim than other professions.

Let’s be honest; bank, clerical, and other office workers live day-to-day, shuffling the giant paper stream.

Every small task the office worker is assigned demands a stack of paperwork be completed.

Being in the paperwork mindset might just make these workers more naturally inclined to file a claim.

Regardless of your occupation, remember that you as an individual are the greatest contributing factor to the cost of your car insurance.

If you frequently get speeding tickets and have minor accidents, your insurance rates will go up accordingly.

If you drive safely, avoid accidents, and stay away from violations, you will have some of the lowest rates of all drivers.

You also have the power to compare insurance companies in order to find better rates than you pay now. Whether you work at a bank or in an office, online car insurance quotes are available right now.

Enter your ZIP code below to access car insurance rates from multiple providers!

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