Car Insurance Rates for Construction/Skilled Workers

The average construction worker car insurance rates are $96.67/mo in the US. Construction workers file relatively few claims as a whole.

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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: Jun 25, 2020

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Here's what you need to know...

  • Construction workers and skilled laborers pay an average annual premium of about $1,160
  • Because they’re in the middle of the pack when it comes to accident claims, these individuals pay around the average amount per year for coverage
  • If you do your own car repairs instead of filing a claim, you can keep your insurance rates down

Are you a construction worker or skilled laborer who recently began looking for better car insurance rates? Were you curious as to why the car insurance companies you shopped with asked what your occupation was? Well, the reason they ask for this information makes a lot of sense.

You can see competitive car insurance rates online by entering your zip code above!

Insurance companies inquire about our occupations because what we do for living tells them something about who we are as drivers. The truth is, car insurance providers employ an army of actuaries whose entire job is to compile statistics relating to individuals and driver safety.

Surprisingly enough, those statistics show that drivers engaged in certain occupations tend to be less likely to file claims than drivers in other job classifications. While this is not the sole deciding factor in determining how much we pay, it is part of the formula.

Construction Workers and Skilled Laborers


When we talk about construction workers and skilled laborers, we are referring to the men and women who strap on the tool belts every day to build houses, remodel homes, fix our furnaces, work on our plumbing, and much more.

These men and women are blue-collar workers who make life much easier for the rest of us.

On average, their car insurance rates are about in the middle when compared to 60 standard job categories in America.

In fact, a recent survey of those 60 job categories had construction workers and skilled laborers ranked 34th, from least expensive for most expensive. With an average annual premium of about $1,160, these types of workers are right in the middle of the pack.

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Driver Safety

It goes without saying that drivers with certain personality types are more prone to driving safely than others. But is there something inherent in the personality of a construction worker or skilled laborer that puts him in this category?

We can’t say for sure, but we can say that these types of workers tend to run the gamut across the entire spectrum of different personalities.

You have the high-strung types as well as the laid-back types; you have the patient ones as well as the impatient; you have meticulous as well as the inattentive.

Since there are so many personalities represented in the trades, it stands to reason that this group of people would be rated just about in the middle in terms of their car insurance rates. Statistically speaking, they probably fall right in the middle in terms of driver safety as well.

Likelihood of Claims

The likelihood of filing a car insurance claim may be one of the things working in favor of a construction worker or skilled laborer.

For example, it’s statistically proven that doctors have some of the highest accident rates in the country.

Yet at the same time, they also file the fewest claims among all the major job categories, preferring instead to make payments out of pocket. Therefore, their car insurance rates are lower than one would expect from a group that has so many accidents.

The same thing might work in the favor of construction workers and skilled laborers.

Being hands-on individuals who aren’t afraid to break out the tools and fix things, it’s quite possible that many of them are more apt to do their own repairs rather than file a claim with their insurance company.

Keeping the number of claims down as a group helps make them statistically less likely to be an insurance risk.

That could explain why they are about average in car insurance premiums.

There are certainly other factors that go into determining how much we pay for car insurance. But anytime we can get a glimpse into how insurance companies work out the numbers, it can be beneficial.

Knowing that some types of workers will pay more than others can help us plan our budgets as we move from one job to the next.

Find the best car insurance rates for construction workers in your area by entering your ZIP code right now.

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