Car Insurance Costs for Homemakers

The average homemaker car insurance rates are $90.97/month. Homemakers are considered to be low-risk due to no daily commute and they are typically carrying precious cargo, making them more safe drivers overall.

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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 19, 2020

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Here's what you need to know...

  • Your job impacts your car insurance rates
  • Homemakers are viewed as low-risk to insurance companies
  • Your driving history has more impact on your premiums than your occupation does
  • There are some ways you can save money on your insurance premiums

The average car insurance rate for homemakers is $1,091.73. Compared to other occupations, this is a low average for car insurance premiums.

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Does being a homemaker affect car insurance?

Car insurance rates are all determined by a risk-based analysis. Insurance companies can use your occupation to determine whether a driver is more or less likely to file a claim. For insurance companies, it is about the bottom line risk.

This means that accidents are not the risk they are concerned with, but rather the risk that the insured driver will file a claim.

The primary factor that relates to occupation is how much the car is driven.

A homemaker doesn’t have to commute to work. Insurance companies will assume that any driving a homemaker does will be local. This is partially the reason why homemaker car insurance rates are less than many other occupations.

Homemakers are also considered to be safer drivers overall. This will decrease the likelihood that a claim will have to be made.

If there are other circumstances that require you to drive the vehicle frequently, this will likely increase your premium if the insurance company is aware of the amount you drive your car.

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What other factors affect my rates?

Everything that car insurance companies use to determine rates is based on the risk involved with insuring each individual driver. Specifics relating to each individual that is insured will affect the insurance rate more than occupation.

The last three years of your driving history is vital when insurance companies are determining your rate. This includes:

Insurance claims are more detrimental to your rate as they represent money that has been paid out by insurance companies on your behalf.

An accident that you pay to repair yourself without the use of the insurance company will not likely increase your premium.

Age and gender may also affect your insurance rate. Drivers under the age of 25 are considered high risk and will have higher insurance premiums. In this age group, males are also expected to have higher rates than females.

What type of coverage do I need?

Every person that drives has differing life circumstances which require different car insurance coverage needs. Most states require a minimum of liability insurance for any vehicle that is driven.

Money can be saved by opting for this minimum coverage. This is not recommended in most cases, however.

Opting for the minimum coverage will not cover any damages to your vehicle if you are involved in an accident that is deemed to be your fault.

The same may also apply for medical expenses as a result of an injury in an accident. This can vary based on state and the minimum requirements in place.

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You will need to determine what is necessary for your situation. One thing to consider is how much you drive. Another important consideration is how many people are in your household.

If you have kids that ride with you when you drive, then your insurance company will recommend a higher coverage amount for medical or personal injury protection. These medical coverages will be limited to an agreed-upon coverage amount per person. So a higher limit might be wise.

The protection of your family may be the most important thing to consider when determining the amount of coverage you want to insure your vehicle for.

How can I save money on my car insurance rates?

Car insurance carriers will have various discounts available to motorists. If you are looking for a discount on your current policy, contact your agent to find out what discounts you may qualify for.

  • A multi-policy discount is common across the board for insurance companies that have multiple products available for consumers. If you bundle your homeowners or renters insurance with the car insurance, you should receive a discount on both policies. The same is usually true for insuring multiple vehicles.
  • Some insurance carriers offer discounts for taking a safe driver course. Speak with an agent to find out if this is an option and what courses would qualify for the discount.
  • Safety features on your vehicle are also common ways to save money on your insurance policy. If you are looking to purchase a new vehicle, inquiring about the safety features may allow you to save money in the long run on your car insurance premium.

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