How much is car insurance for janitors?

The average janitor car insurance rates are $95/month. Car insurance for janitors is lower than average rates because they typically drive economical vehicles and have low job stress.

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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: Sep 30, 2021

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Here's what you need to know...

  • Janitors pay an annual average of around $1,140 for car insurance
  • Insurance companies consider your occupation — along with a few other factors — when deciding what to charge you for coverage
  • If you are searching for car insurance, compare quotes from several companies to find the best deal


According to statistics collected over many years by the insurance industry, cleaning/janitorial workers pay less than many other occupations for car insurance. Your car insurance provider considers a variety of factors when underwriting a car insurance policy. That being said, janitorial business is important, and making sure that you’re taking advantage of any benefits from the job is important as well. There isn’t any specific janitorial insurance that you need to worry about, but rather, looking into what costs and policy values are out there.

Comparing your car insurance rates with new car insurance quotes is an item that should make it on your to-do list. Make the task easy on yourself by requesting car insurance quotes from a variety of car insurance providers. They’ll be able to answer all your questions, even if you’re looking online.

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Your line of work and the average car insurance claims presented by others in your occupation are considered by your insurance company. Working somewhere that sees a lot of injuries, or even just presents a risk of injury, could seriously affect your prices. Using your entire driver profile allows a company to figure out what sort of accident coverage you may need. Your insurance company will want to know about any employment-related issues. Average income statistics and stress levels are also included by the insurance company in pricing car insurance coverage.

What is it like to pay for protection as a janitor?

Janitors and others involved in cleaning businesses pay an average of $1,136.02 in car insurance premiums each year. Of course, policy values will change from company to company.

Janitors often work for a single employer, after business hours, and at their own pace.

Other professional cleaners may work alone or in a cleaning team. The job is considered a low-stress position because professional interaction with others is usually limited.

The janitor performs a certain task or group of tasks involved in keeping the environment clean.

Janitors and cleaning people employed by one company may use their personal car to drive to and from work, or they may use public transportation. If they use a personal vehicle for the purpose of getting to and from a job location, they aren’t usually facing rush hour traffic conditions.

According to the U.S. Bureau of Labor Statistics, about 4.1 million janitors work in the United States. About 299,000 are self-employed.

Janitors and cleaning workers assigned to hospitals or schools may perform their work during the day.

In some cases, janitors work different shifts. Some janitors or cleaning workers perform duties on a part-time basis, including nights or weekend hours.

The home location of the janitor or cleaning worker can also affect the cost of car insurance rates. A janitor working in a large city with heavy annual snowfall may pay higher car insurance rates than a similar worker in a small town in the Southwest.

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Is there occupational risk working as a janitor?

Employers hiring janitors and cleaning workers look for individuals in good health with the ability to follow directions. Janitorial business may seem low stress, but there’s a lot of physical labor involved, as well as the need to be able to stay focused and task oriented. A business owner is going to need stability in order to maintain cleanliness in the workplace.

Employers want janitors and cleaning workers to exercise care and good common sense in using cleaning equipment and maintaining the property and grounds they are cleaning.

Insurance companies know that most janitors and cleaning professionals earn modest hourly wages of about $11 per hour.

In 2015, the lowest-paid janitors and cleaning workers earned about $7.41 or less per hour, and the most highly paid earned $17.08 or better an hour.

Due to these wages, driving an average or lower-than-average value car is likely for a janitor or cleaning worker. An average vehicle may cost less for the insurance company to repair or replace in the event of an auto accident.

Janitors and cleaning workers are considered less likely to use a cell phone while driving. Mobile phone use, along with texting or other distracting behaviors, contributes to many car accidents. This influences car insurance rates as well.

Occupational stress level is also considered by the insurance industry when determining car insurance rates.

Since janitors and cleaning workers generally have less occupational stress, they pay less for auto insurance than the business owners who hire them.

What is the occupational outlook for janitors?

According to the U.S. government, janitorial companies and cleaning jobs are projected to grow at about five percent through the 2008 to 2018 decade, or less rapidly than many other occupations. The job prospects for janitors and cleaning workers are considered to be stable or good in the near-term. This may mean that there will end up being some form of compensation policy or commercial auto coverage in store for janitors, even if it’s a long way off.

Should you still compare your prices even if you’re comfortable?

These have all been relatively common questions that a person may ask when looking into the cost of insurance. Not every driver pays the same amount for car insurance, and your driving history — along with your occupation — factors heavily into how much you pay for car insurance. The variety of risks you face during your working hours will also be looked at as well.

Take a minute to request car insurance quotes from new insurance companies to save you money on car insurance today!

Enter your ZIP code below for access to car insurance rates that fit your budget!

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

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