Car Insurance Discounts for Low-Risk Jobs

Many companies offer car insurance discounts for low-risk jobs, and average rates can be as low as $67.92/mo. Lowest risk professions for car insurance include professors and military officers. If you think you have one of the best jobs for car insurance (or not), compare rates to maximizes auto insurance discounts for low-risk jobs.

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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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Written by Laura Berry
Former Insurance Agent Laura Berry

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® Joel Ohman

UPDATED: Jan 27, 2021

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Here's what you should know...

  • People with high-stress jobs tend to be more aggressive drivers, so their insurance premiums cost more
  • Working a low-risk job can get you a low-risk driver discount on car insurance
  • If you change occupations, you should contact your insurance provider to see if you qualify for any new discounts

When it comes to car insurance rates, there are lots of different discounts that companies offer. Some are so common that almost every driver knows about them. But others, like car insurance discounts for low-risk jobs, are a bit more obscure. It would benefit most American drivers to have a better understanding of a car insurance policy and all of the possible discounts available to them.

What is the lowest risk occupation for car insurance? How do you make sure you’re getting the best car insurance rates for your job? Read this article to learn more.

Before we get started, use your ZIP code to get a free quote on car insurance to make sure you’re getting the best auto insurance rates for your needs and occupation.

Lowest Risk Professions for Car Insurance

Wondering what the best jobs for car insurance are? How do you get occupation-based discounts? Is your job considered low or high risk? Is it even legal for companies to use your job as a way to determine your auto insurance rates? Read through the next few sections to find out.

Are some occupations safer than others?

In terms of getting a discount for a low risk occupation for car insurance, statistics have proven that some occupations tend to have safer drivers than others. For example, car insurance rates for scientists are right near the top of the list in terms of how little they pay, as compared to car insurance rates for self-employed contractors, who are farther down on the list.

It’s not just that scientists are less likely to have accidents, but also that they are more likely to pay for damage out-of-pocket rather than file an insurance claim. On the other hand, a self-employed contractor is more likely to file an accident claim because they do not have the financial resources to pay out-of-pocket.

When insurance companies crunch the numbers to determine how occupation relates to risk, the financial resources of a specific occupation are a significant factor.

They also consider the stress levels of individual occupations. Statistics show that drivers in certain high-stress occupations are more prone to accidents and violations than those in less stressful occupations.

Because stress equals risk, drivers who worked in a less stressful field are more likely to get a low-risk occupation discount. This goes hand-in-hand with the idea that your driving record will affect your insurance rates. Take a look at this video for more.

According to sources like Consumer Watchdog, Geico was the first company to start looking at occupation when determining insurance rates. Take a look at this table to see some examples of car insurance rates from Geico for high risk occupations compared to rates for low risk occupations.

Geico Car Insurance Rate Comparison of High and Low Risk Occupations
High-Risk Occupations 6-MonthLow-Risk Occupation6-Month
No High School (chef)$1,038.90Homemaker$407.50
High School (chef)$1,038.90Professor
w/ College Degree
Currently Unemployeed$992.00Military Officer
(Air Force O1)
Actor$992.00Retired Miltary
(Air Force O6)
Athlete$992.00Military E5
(Air Force)
Breeder/Groomer/Trainer$992.00Military E5
Clerk/Cashier$992.00Military E5
Machine Operator$992.00Military E5
Cleaning/Janitorial$992.00Military E5
(Coast Guard)
Repair/Maintenance$992.00No high School (Military E-5)$875.10
Nanny/Caretaker$992.00High School (Military E-5)$875.10
Driver$992.00Associates (Military E-5)$875.10
Security/Prison Worker$992.00Bachelors (Military E-5)$875.10
Chef/Baker$992.00Masters (Military E-5)$875.10
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As you can see, depending on your job, your rates can vary quite significantly. Other insurers have followed suit, to the extent that it’s now common practice.

However, this is a somewhat controversial practice. For example, New York proposed a law to prohibit the use of education and occupational status in car insurance rate adjustments. This doesn’t mean insurance companies can’t consider your specific job, but it does mean there are limitations to how your employment can affect your rates.

What if I change occupations?

From time to time, an individual driver may change occupations simply by taking a new job. Yet few know how much influence your occupation has on your insurance rates.

As a result, fewer still go out of their way to contact the car insurance provider to inform them of their new job. If more drivers did so, they would probably be surprised to know that they might be eligible for certain discounts. On the other hand, you also take the risk of having your insurance rates go up.

If you work in a high-risk occupation it may not necessarily be worth it for you to switch to a lower risk one just to save on your car insurance.

According to statistics from 2010 that listed the top 60 occupations, the difference between the lowest and highest rates is only a matter of a couple of hundred dollars annually.

A lower car insurance rate may not justify the cost of changing occupations.

Regardless of where you work, whether you change jobs, etc., it’s incumbent on you to be honest with your insurance company. Any false information on your insurance application from where you work to where your vehicle is garaged or your driving history can be considered insurance fraud, which currently costs the U.S. over $40 billion annually according to the Insurance Information Institute.

As a result, fraud is taken seriously and can mean cancellation of a policy, or in some cases, depending on the severity of the offense, even jail time.

How do I maximize my car insurance discounts?

The car insurance discounts made available by insurance companies are not uniform across the board. In other words, insurance company A might offer 12 different discounts while company B may offer only eight.

In order to maximize your discounts, you need to ask for a comprehensive list while you’re shopping for a new policy. Any company unwilling to provide you with a list of discounts is probably one you don’t want to do business with anyway.

To help you get started, we’ve summarized some of the major discounts available by company in this table. Take a look.

Car Insurance Discount Availability by Provider
Car Insurance Companies Offering Discounts21st CenturyAAAAllstateAmerican FamilyAmeripriseAmicaCountry FinancialEsuranceFarmersGeicoLiberty MutualMetLifeNationwideProgressiveSafe AutoSafecoState FarmThe GeneralThe HanoverThe HartfordTravelersUSAA
Adaptive Cruise ControlNoNoNoNoNoNoNoNoNoNoYesYesYesYesNoNoNoNoNoNoNo
Adaptive HeadlightsNoNoNoNoNoYesYesNoYesNoYesYesYesYesNoNoNoNoNoYesNoNo
Anti-lock BrakesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYes
Claim FreeYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYes
Continuous CoverageYesYesYesYesNoYesYesYesYesYesNoNoNoYesYesYesNoNoYesYesYesNo
Daytime Running LightsYesYesYesYesYesNoYesYesYesYesYesYesYesYesYesNoNoNoYesYesYesYes
Defensive DriverYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYes
Distant StudentNoYesYesYesYesYesNoNoYesYesNoNoYesYesNoYesYesYesYesYesYes
Driver's EdYesYesYesYesNoYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYes
Driving Device/AppNoYesYesYesNoNoNoYesYesYesYesYesYesNoYesYesNoNoYesYesYes
Early SigningYesNoYesYesNoNoYesYesYesYesNoYesYesYesNoYesNoNoNoYesYesYes
Electronic Stability ControlNoNoYesYesNoYesYesNoYesNoYesYesYesYesNoNoNoNoNoNoNoNo
Emergency DeploymentNoNoNoNoNoNoNoNoNoYesNoNoNoNoNoNoNoNoNoNoNoNo
Engaged CoupleNoNoNoNoNoNoYesNoNoNoNoNoNoNoNoNoNoNoNoNoNoNo
Family LegacyNoNoNoYesNoYesNoNoNoYesNoYesNoYesNoNoNoNoNoNoNoYes
Family PlanNoNoNoYesNoNoYesNoYesNoNoNoYesNoNoNoNoNoNoYesNoNo
Farm VehicleNoNoYesNoNoNoNoNoYesYesNoNoNoNoNoNoNoNoNoYesNoNo
Fast 5NoNoNoNoNoNoNoYesNoNoNoNoNoNoNoNoNoNoNoNoNo
Federal EmployeeNoNoNoNoNoNoNoNoYesYesYesYesNoNoNoNoNoNoNoNoNoNo
Forward Collision WarningNoNoNoNoNoYesYesNoNoNoYesYesYesYesNoNoNoNoNoYesNoNo
Full PaymentNoYesYesYesYesYesYesYesYesYesYesNoNoYesYesYesYesYesYesYesNo
Further EducationNoNoNoNoYesNoYesYesNoYesYesNoYesNoNoYesNoNoYesNoYesNo
Good CreditNoNoNoNoNoNoNoNoNoNoNoNoYesYesYesYesNoNoNoNoNo
Good StudentYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYes
Green VehicleYesNoYesNoNoNoNoYesYesNoYesNoNoNoNoNoNoYesYes
Lane Departure WarningNoNoNoNoNoNoNoNoNoNoYesYesYesYesNoNoNoNoNoNoNoNo
Life InsuranceNoNoYesNoNoNoNoNoNoNoNoNoYesNoNoNoNoNoNoNoNoNo
Low MileageNoYesYesYesNoYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYes
Military GaragingNoNoNoNoNoNoNoNoNoNoNoNoNoNoNoNoNoNoNoNoNoYes
Multiple DriversNoNoNoNoNoNoNoNoNoNoNoYesNoNoNoNoNoNoNoYesNoNo
Multiple PoliciesYesYesYesYesYesYesYesYesYesYesYesYesYesYesNoYesYesYesYesYesYesYes
Multiple VehiclesYesYesNoYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYes
New AddressNoNoNoNoNoNoNoNoNoNoYesNoNoNoNoNoNoNoNoNoNoNo
New Customer/New PlanNoNoNoNoNoNoNoNoNoYesYesNoNoYesNoNoNoNoNoNoNo
New GraduateNoNoNoNoNoNoNoNoNoNoYesNoNoNoNoNoNoNoNoNoNoNo
Newer VehicleYesYesYesNoNoNoYesYesYesYesNoYesYesYesYesYesYesNoNoYesYesYes
Newly LicensedNoNoNoNoNoNoNoNoNoNoYesNoNoNoNoNoNoNoNoNoNoNo
Occasional OperatorNoNoNoNoNoNoNoNoNoNoNoNoNoNoNoNoNoNoNoNoNoYes
On Time PaymentsNoNoYesNoNoNoNoNoNoNoNoNoNoYesNoNoNoNoYesYesNo
Online ShopperNoNoNoNoNoNoNoYesNoNoNoNoNoYesNoNoNoNoNoNoNoNo
Paperless DocumentsNoNoYesYesNoYesNoNoYesNoNoYesYesYesNoNoNoNoNoYesNoNo
Paperless/Auto BillingNoNoYesYesNoYesNoYesYesNoYesYesYesYesYesYesYesYesYesYesYesYes
Passive RestraintYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYes
Recent RetireesNoNoNoNoNoNoNoNoNoNoYesNoNoNoNoNoNoNoNoYesNoNo
Roadside AssistanceNoNoNoNoYesNoNoYesNoNoNoNoNoNoNoNoNoNoNoNoNoNo
Safe DriverYesYesYesYesYesYesNoYesYesYesNoYesYesYesYesYesYesYesNoYesYesYes
Seat Belt UseNoNoNoNoNoNoNoNoNoYesNoNoNoNoNoNoNoNoNoNoNoNo
Senior DriverYesNoYesNoNoNoNoYesYesNoNoYesNoNoNoNoNoYesYesYesNoYes
Stable ResidenceNoNoNoNoNoNoNoNoNoNoNoNoYesYesYesNoNoNoYesNoNo
Students & AlumniNoNoNoYesNoNoNoYesNoYesYesYesYesNoNoNoNoNoNoNoNoNo
Switching ProviderYesNoNoYesNoYesNoYesYesYesYesNoYesYesNoNoYesYesNoNoNo
Utility VehicleNoNoYesNoNoNoNoNoYesYesNoNoNoNoNoNoNoNoNoYesNoNo
Vehicle RecoveryYesYesYesYesYesYesNoYesYesYesYesYesYesYesYesYesYesYesYesYesYesYes
VIN EtchingNoNoNoNoNoNoNoYesYesNoYesYesYesYesYesYesNoNoNoNoYesYes
Young DriverYesNoNoNoNoNoYesNoNoNoYesNoNoYesNoYesNoNoNoNoNoYes
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Maximizing your discounts means finding a company that offers not only the most discounts but rather the best overall price.

It is possible for one insurance company to charge slightly more, even with all of your discounts included, than a competitor. To make sure you’re getting the best deal, you always have to look at the overall price, the value of included discounts, and how much coverage you are getting for the money.

For most drivers, it will be the total amount of coverage that is most important.

The car insurance policy doesn’t do you any good if it provides insufficient coverage, regardless of the discounts you receive.

Therefore, it’s always wise to assess your insurance needs before you even begin shopping for car insurance. Once you know what your needs are, you can compare policies side-by-side, including the discounts they offer.

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The Bottom Line for Car Insurance Discounts for Low-Risk Jobs

Geico and other car insurance companies often take your occupation into consideration when adjusting your rates (this is just one of the many risk-based factors insurers consider). High risk jobs, specifically those associated with high stress (meaning you may be at higher risk of being in an accident) or lower pay (meaning you’re more likely to file a claim) will typically mean higher rates than low risk jobs.

After taking the time to do a little bit of investigation, many drivers are surprised to learn that the low-risk job discount is not the only one offered by car insurance companies. There are discounts for defensive driving, going “green” by driving a hybrid, signing up for paperless billing, and even for allowing the car insurance company to electronically monitor your driving.

Suffice it to say, there’s probably at least one discount for which every American driver is eligible. Shop around to make sure you’re getting the best coverage mix, discounts, and rates for your needs and budget.

Frequently Asked Questions: Car Insurance Discounts for Low-Risk Jobs

Still have questions about lowest risk insurance occupations? Read these frequently asked questions for more.

#1 – What’s the lowest car insurance rate?

It depends on a number of factors, including where you live, your age, driving record, occupation, and more, but to give you a baseline, we pulled average rates across the country by insurance company and summarized what we found in this table. Take a look.

Average Annual Car Insurance Rates by Provider
Insurance ProviderAverage Annual Rate
State Farm$3,267.63
American Family$3,443.09
Liberty Mutual$6,095.54
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As you can see, USAA and Geico offer the lowest average rates.

#2 – Which car has the lowest insurance rate in Ontario?

Like the cheapest insurance rate, the lowest insurance rate by vehicle in Ontario varies depending on a number of factors, but all else being equal, a Toyota Corolla has the lowest insurance rates.

#3 – What type of vehicle has the lowest insurance?

In the U.S., the cheapest cars to insure (all else being equal) include the Subaru Outback, Jeep Wrangler, and Honda CR-V. 

Regardless of your occupation, you can start comparing quotes today by using your ZIP code in our free tool.

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