Compare Drivers Without a College Degree Car Insurance Rates [2023]
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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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: Nov 8, 2023
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.
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: Nov 8, 2023
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
- 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.
Frequently Asked Questions
Do insurance rates differ for drivers without a college degree?
Insurance rates can be influenced by various factors, and while education level is one of them, it’s not the sole determinant of car insurance rates. Drivers without a college degree may experience slightly higher rates compared to those with a degree, as some insurance companies consider education level when calculating premiums.
How can drivers without a college degree find affordable car insurance rates?
To find affordable car insurance rates as a driver without a college degree, consider the following tips:
- Shop around: Obtain quotes from multiple insurance providers to compare rates and coverage options.
- Maintain a clean driving record: A history of safe driving with no accidents or traffic violations can help lower your insurance premiums.
- Look for discounts: Many insurance companies offer discounts for various factors, such as safe driving, bundling policies, or installing anti-theft devices. Explore these options to potentially reduce your premiums.
- Consider usage-based insurance: Some insurance providers offer usage-based insurance programs that assess your driving habits and adjust your rates accordingly. If you’re a responsible driver, this could help lower your premiums.
Are there any coverage options or benefits specifically available for drivers without a college degree?
While there are no specific coverage options or benefits exclusively for drivers without a college degree, they have access to the same coverage options and benefits as other drivers. The availability of certain benefits or discounts may vary depending on the insurance provider, so it’s recommended to inquire with individual companies to understand their offerings.
What other factors affect car insurance rates for drivers without a college degree?
Besides education level, car insurance rates for drivers without a college degree are influenced by various factors, including driving record, age, type of vehicle, location, annual mileage, and claims history. Insurance providers consider these factors to assess risk and determine premiums.
Are there insurance companies that specialize in providing coverage for drivers without a college degree?
Insurance companies don’t typically specialize in providing coverage exclusively for drivers without a college degree. However, various insurance providers cater to a wide range of customers, including those without a degree. It’s important to research and compare quotes from different companies to find the best coverage and rates based on your individual circumstances.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
Secured with SHA-256 Encryption
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.