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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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 27, 2020

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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.

Comparing your car insurance rates with new car insurance quotes is an item on your to-do list. Make the task easy on yourself by requesting car insurance quotes from a variety of car insurance providers.

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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. Average income statistics and stress levels are also included by the insurance company in pricing car insurance coverage.

Janitors and Car Insurance Rates

Janitors and others involved in cleaning businesses pay an average of $1,136.02 in car insurance premiums each year.

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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Janitors and Occupational Risk

Employers hiring janitors and cleaning workers look for individuals in good health with the ability to follow directions.

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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.

Occupational Outlook for Janitors

According to the U.S. government, janitorial 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.

Compare Your Car Insurance Rates Now

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.

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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