Car Insurance Rates Without a College Degree

The average car insurances rates for drivers without a college degree are $98.50/mo, ranked 36 out of 60 of the least expensive car insurance rates.

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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 20, 2020

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Here's what you should know...

  • Having a college degree usually affects a person’s occupation, and the type of job you have determines your car insurance premiums
  • Even if you decide not to go to college, you can still save money on car insurance by qualifying for a variety of other discounts
  • Student drivers and young adults can save money by staying on a multi-car auto insurance policy with their parents

If you’ve ever gone shopping for car insurance, you are undoubtedly aware of the fact that insurance agents want to know what your occupation is. They need this information to plug into their formula in order to determine how much you will pay.

The reasoning behind this lies in the fact that statistical evidence proves that different personality traits required by various job types have an effect on how well a person drives.

What’s curious about this particular category is the fact that it’s not really an occupation. Nonetheless, in a recent industry survey ranking the least expensive car insurance premiums among different job categories, having no college degree ranked at number 36 out of 60.

The average annual premium for those in this category was just under $1,182 per year.

This assumes an average car, a good driving history, and a reasonable daily commute.

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A Broad Scope

There are so many different factors in this category that we are not surprised it falls closer to the middle than one of the edges. Think of it this way: Having no college degree is, in itself, not even a job.

So right away, including this category among 59 other job categories would seem to put it at either end of the spectrum. But that’s not the case. One possible reason for this is the incredibly broad scope of the classification.

Think of it another way: In the list of 60 specific job categories we found in the survey, you could realistically have workers in all those categories that have no college degree. It’s unlikely, but still possible.

So in this category of not having a college degree, you have the broadest spectrum of individual drivers possible.

With the number of people without degrees growing every year, the category simply gets bigger and bigger in terms of sheer volume.

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Possible Considerations

Based on the vast number of different jobs that could fall under this category, we can only guess at the possible considerations insurance companies apply to this group of people.

It is possible that their formulas consider people without degrees to be less likely to drive safely and legally.

If so, this would be based on a broad assumption that going to college and earning a degree somehow demonstrates one’s level of responsibility. Sadly, that’s not a true indicator.

It could also be a reflection of the fact that people without degrees tend to have lower paying jobs than their degreed counterparts.

With lower-paying jobs, there is the possibility that drivers will be more apt to make claims when they really don’t have to, and we know that the more claims made among any group of individuals, the higher their insurance rates will be.

Insurance Rates and Your Future

If you are a young person beginning the process of considering college, don’t put too much weight on your car insurance premiums in determining your future career choice.

The difference between the highest and the lowest in our survey was only a matter of a couple of hundred dollars — certainly not enough money to suggest you pursue something you’re not interested in just to save a little money on your car insurance.

You’re far better off doing what you love and paying your premiums accordingly.

If you’ve already graduated and you’re now looking for a job, you also shouldn’t put too much stock in these rankings. Within the group of jobs ranked 30 through 35, the difference in rates went up by only a few dollars with each successive rank.

The truth is, these job classifications that land somewhere in the middle of the survey are going to consist of workers who are pretty average and stable.

Choose a job based on your earnest desire of what you want in your life, not how much you pay for insurance.

Finally, when all is said and done, the single biggest factor in determining how much you will pay for car insurance is how safely you drive as an individual.

Regardless of any other person in your job category, your rates will be most heavily influenced by your accidents, violations, and any other claims of loss.

If you drive legally and responsibly, then you will be given the lowest rates possible. And even if you’re not getting the rates you think you should, you always have the freedom to shop around for something better.

Use our FREE search tool to find the best auto insurance rates for workers in your job classification, by entering your ZIP code below.

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