Compare Drivers Without a College Degree Car Insurance Rates in 2024 (Top 10 Companies)
Compare best companies for drivers without a college degree car insurance rates with Progressive, State Farm, and Farmers. Explore their coverage, rates, and offerings. This guide provides insights into key rate-influencing factors to help you make informed decisions for optimal protection.
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Tracey L. Wells
Licensed Insurance Agent & Agency Owner
Tracey L. Wells is a licensed insurance agent and Farmers insurance agency owner with 23 years of experience. He is proud to be a local Farmers agent serving Grayson, Georgia and surrounding areas. With experience as both an underwriter and agent, he provides his customers with insight that others agents may not have. His agency offers all lines of insurance including home, life, auto, RV, busi...
Licensed Insurance Agent & Agency Owner
UPDATED: Feb 13, 2024
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Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Feb 13, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
Company Facts
Average Monthly Rate For Good Drivers
A.M. Best Rating
Complaint Level
Company Facts
Average Monthly Rate For Good Drivers
A.M. Best Rating
Complaint Level
Pros & Cons
Company Facts
Average Monthly Rate For Good Drivers
A.M. Best Rating
Complaint Level
- Progressive, State Farm, and Farmers stand out in offering the most advantageous rates for drivers without a college degree.
- Comprehensive coverage for damages from non-collision incidents such as theft, vandalism, and natural disasters.
- Roadside assistance, rental car reimbursement, and gap insurance for comprehensive protection.
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.
Company | Rank | See Pros/Cons | Defensive Driving Discount | Multi-Policy Discount | Best for |
---|---|---|---|---|---|
#1 | Progressive | Up to 10% | Up to 15% | Budgeting Tools | |
#2 | State Farm | Up to 8% | Up to 17% | Customer Service | |
#3 | Farmers | Up to 10% | Up to 15% | Policy Options | |
#4 | Geico | Up to 10% | Up to 25% | Customizable Policies | |
#5 | Nationwide | Up to 8% | Up to 15% | Vanishing Deductible | |
#6 | Allstate | Up to 10% | Up to 20% | Safe-Driving Discounts | |
#7 | Liberty Mutual | Up to 8% | Up to 12% | 24/7 Support | |
#8 | Travelers | Up to 10% | Up to 20% | Multi-Policy Discounts | |
#9 | American Family | Up to 8% | Up to 15% | Bundle Discounts | |
#10 | Esurance | Up to 10% | Up to 15% | Online Convenience |
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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#1 – Progressive: A Comprehensive Approach to Coverage
Progressive stands out as the top choice for drivers without a college degree, offering a compelling blend of comprehensive coverage and affordability.
Dani Best Licensed Insurance Producer
Pros
- Affordability: Progressive offers competitive rates, making it budget-friendly.
- Comprehensive coverage: Progressive provides balanced protection with various coverage options.
- Positive customer reviews: Low complaint levels indicate high customer satisfaction..
Cons
- Slightly higher rates: Rates may be slightly higher compared to some competitors.
- Limited policy options: Some users might find that policy options are not as extensive.
Read more: Progressive Car Insurance Review
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#2 – State Farm: Trusted Service With Competitive Rates
Pros
- Excellent customer service: State Farm is known for exceptional customer service.
- Competitive rates: State Farm offers affordable rates, especially for drivers without a college degree.
- High multi-policy discount: Up to 17% off for bundling insurance policies.
Cons
- Rates for full coverage: Rates for full coverage might be higher compared to some competitors.
- Online presence: Online tools and services may not be as advanced as some other companies.
Read more: State Farm Car Insurance Review
#3 – Farmers: Extensive Coverage Options for Your Peace of Mind
Pros
- Extensive coverage Options: Farmers offers a wide range of coverage options.
- Low complaint level: Maintains a low complaint level, indicating high customer satisfaction.
- Defensive driving discount: Up to 10% discount for defensive driving.
Cons
- Higher rates: Farmers’ rates, especially for full coverage, are slightly higher compared to some competitors.
- Lack of rate transparency: Some customers may find that Farmers lacks transparency in communicating rate increases.
Read more: Farmers Car Insurance Review
#4 – Geico: Affordable and Customizable Policies
Pros
- Affordability: Geico is known for competitive rates, making it an attractive option for budget-conscious drivers.
- Customizable policies: Geico allows customers to customize their policies, tailoring coverage to individual needs.
- Defensive driving discount: Up to 10% discount for defensive driving.
Cons
- Customer service: Some customers have reported mixed experiences with Geico’s customer service.
- Limited local agents: Geico primarily operates online, and customers seeking face-to-face interactions may find this limitation.
Read more: Geico Car Insurance Review
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#5 – Nationwide: Rewarding Safe Driving Habits Over Time
Pros
- Vanishing deductible: Nationwide’s vanishing deductible feature rewards safe driving behavior over time.
- Multi-policy discount: Up to 15% off for bundling multiple policies.
- Defensive driving discount: Up to 8% discount for defensive driving.
Cons
- Higher rates: Nationwide’s rates, especially for full coverage, may be higher than some competitors.
- Limited discounts: While offering some discounts, Nationwide may not have as many options as some other companies.
#6 – Allstate: Safety Incentives and Bundle Discounts
Pros
- Safe-driving discounts: Allstate offers up to 20% off for safe-driving discounts, rewarding good driving habits.
- Bundle discounts: Allstate provides up to 20% off for bundling multiple policies.
- Defensive driving discount: Up to 10% discount for defensive driving.
Cons
- Higher rates: Allstate’s rates, especially for full coverage, may be on the higher side.
- Limited local agents: Some customers might prefer more local agent support, which Allstate may lack.
Read more: Allstate Car Insurance Review
#7 – Liberty Mutual: 24/7 Support and Multi-Policy Savings
Pros
- Multi-policy discounts: Liberty Mutual offers up to 12% off for bundling multiple policies.
- 24/7 support: Access to 24/7 customer support ensures assistance is available at any time.
- Defensive driving discount: Up to 8% discount for completing defensive driving courses.
Cons
- Slightly limited discounts: Liberty Mutual may have fewer discount options compared to some competitors.
- Rates: Some customers may find Liberty Mutual’s rates to be relatively higher.
Read more: Liberty Mutual Car Insurance Review
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#8 – Travelers: Tailored Policies and Strong Financial Stability
Pros
- Multi-policy discounts: Travelers offers up to 20% off for bundling insurance policies.
- Defensive driving discount: Up to 10% discount for completing defensive driving courses.
- Customizable policies: Travelers allows customers to tailor their policies according to individual needs.
Cons
- Customer service: Some customers may have mixed experiences with Travelers’ customer service.
- Limited local presence: Travelers may have a limited local agent presence compared to other companies.
Read more: Travelers Car Insurance Review
#9 – American Family: Bundling Benefits and Community Involvement
Pros
- Bundle discounts: American Family offers up to 15% off for bundling multiple policies.
- Defensive driving discount: Up to 8% discount for completing defensive driving courses.
- Multi-policy discounts: American Family provides savings for combining various insurance policies.
Cons
- Rates: Some customers may find American Family’s rates to be slightly higher.
- Limited availability: American Family may have limited availability in certain regions.
Read more: American Family Car Insurance
#10 – Esurance: Seamless Online Convenience and Tech-Savvy Solutions
Pros
- Online convenience: Esurance excels in providing online convenience for policy management.
- Defensive driving discount: Up to 10% discount for completing defensive driving courses.
- Multi-policy discounts: Esurance offers savings for bundling multiple insurance policies.
Cons
- Customer service: Some customers may experience challenges with Esurance’s customer service.
- Limited local agents: Esurance primarily operates online, lacking face-to-face interactions for those who prefer them.
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Comparing Car Insurance Rates With the Industry Leaders for Drivers Without a College Degree
For individuals without a college degree, finding affordable car insurance becomes a critical aspect of financial planning. A careful comparison of rates among the industry leaders reveals insights into the top choices and the reasons behind their prominence.
Insurance Company | Full Coverage | Minimum Coverage |
---|---|---|
Progressive | $105 | $39 |
State Farm | $86 | $33 |
Farmers | $139 | $44 |
Geico | $80 | $30 |
Nationwide | $115 | $44 |
Allstate | $160 | $61 |
Liberty Mutual | $174 | $68 |
Travelers | $99 | $37 |
American Family | $117 | $44 |
Esurance | $114 | $46 |
Progressive emerges as a standout choice, offering a compelling blend of comprehensive coverage and affordability. With rates of $105 for full coverage and $39 for minimum coverage, Progressive caters to individuals seeking balanced protection without breaking the bank. Following closely is State Farm, known for its competitive rates—$86 for full coverage and $33 for minimum coverage.
Read more: Progressive vs. Farmers Car Insurance Comparison
State Farm’s affordability, especially for drivers without a college degree, makes it a reliable option. Farmers, though slightly higher in cost at $139 for full coverage and $44 for minimum coverage, compensates with extensive coverage options, making it an attractive choice for those prioritizing comprehensive protection.
Ultimately, the decision among these industry leaders depends on individual preferences, coverage needs, and budget considerations.
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.
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.
Read more:
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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 car insurance rates for workers in your job classification, by entering your ZIP code below.
Case Studies: Tailoring Car Insurance for Drivers Without a College Degree
Case Study 1: The Budget-Conscious Commuter
Meet Alex, a 28-year-old without a college degree working in a city where commuting is a daily challenge. Alex needs reliable car insurance that doesn’t break the bank. Progressive, known for its budgeting tools, becomes the top choice. With competitive rates and a defensive driving discount, Alex can navigate the city streets with peace of mind.
Case Study 2: The Family-Oriented Household
The Johnsons, a family without college degrees, prioritize family-oriented coverage. State Farm stands out for them due to its exceptional customer service and competitive rates, especially tailored for drivers without a college degree. With multiple vehicles to insure, the Johnsons benefit from State Farm’s multi-policy discounts while enjoying personalized and reliable service.
Case Study 3: The Comprehensive Coverage Seeker
Sarah, a tech-savvy professional without a college degree, values extensive coverage options. Farmers, known for offering a wide range of coverage options, becomes Sarah’s go-to choice. With a focus on peace of mind, Farmers provides Sarah with comprehensive coverage and a user-friendly online platform for policy management.
Frequently Asked Questions
How does having no college degree impact car insurance rates?
Insurance companies may consider various factors, and while not having a college degree is just one of them, it may influence rates based on statistical assumptions about driving habits and financial stability. Rates are also affected by other key factors like driving history and coverage needs.
What are the advantages of car insurance tailored for Drivers Without a College Degree?
Tailored insurance for this demographic often takes into account unique needs and challenges. Companies like Progressive, State Farm, and Farmers offer competitive rates, discounts, and coverage options suitable for individuals without a college degree, providing a balance of affordability and protection.
Are there specific discounts for Drivers Without a College Degree?
Yes, many insurance providers offer discounts such as defensive driving discounts, multi-policy discounts, and more. Progressive, for example, provides budgeting tools, and State Farm emphasizes customer service, both beneficial for drivers without a college degree.
How do I choose the right car insurance company without a college degree?
Consider factors like affordability, coverage options, and customer satisfaction. Companies like Farmers, with extensive coverage options, and State Farm, known for competitive rates, make them suitable options for drivers without a college degree.
Can I still get affordable car insurance without a college degree?
Absolutely. Your insurance rates are influenced by various factors, and companies like Geico, Nationwide, and Esurance offer affordable options for drivers without a college degree. It’s crucial to shop around, compare quotes, and find a company that aligns with your specific needs and budget.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
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Tracey L. Wells
Licensed Insurance Agent & Agency Owner
Tracey L. Wells is a licensed insurance agent and Farmers insurance agency owner with 23 years of experience. He is proud to be a local Farmers agent serving Grayson, Georgia and surrounding areas. With experience as both an underwriter and agent, he provides his customers with insight that others agents may not have. His agency offers all lines of insurance including home, life, auto, RV, busi...
Licensed Insurance Agent & Agency Owner
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.