Insurance Rates For Professional Drivers

Insurance rates for professional drivers are an average of $100.83/mo. As it is considered a high-risk occupation, the insurance rates for professional drivers are higher than other professions.

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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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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 need to know...

  • Being a professional driver means that adequate insurance is essential
  • The industry of professional driving provides many different options
  • Training to be a professional driver is a fairly simple process
  • Look around to make sure you get the best deal on car insurance

Being a professional driver can be exciting and give you the opportunity to meet a lot of different people. As a professional driver, having quality car insurance is, of course, important.

When most of your time is spent driving, you want to make sure you are covered in the case of an accident, damage, or theft. According to a recent survey, the average annual cost of car insurance for a professional driver is $1,209.94.

No matter what job you have, you can compare car insurance rates for yourself by entering your ZIP code in the FREE box now!

Job Opportunities


You may wonder what types of jobs are available for professional drivers. By definition, a professional driver is anyone who earns an income directly from driving a vehicle.

Perhaps the most common professional driving job is that of a semi-truck driver. Truck drivers drive across the country hauling all kinds of goods for companies and individuals.

From moving trucks to car dealership trucks, drivers spend a lot of time on the road sometimes traveling across several states.

Another popular job for professional drivers is working for a national delivery company such as FedEx or UPS. This type of driving job entails driving to several different locations along a daily route delivering and receiving packages.

Other jobs for professional drivers include the following:

  • Transit bus
  • Limousine
  • Tour bus
  • School bus

All of these jobs include concentration skills, defensive driving tactics, and people skills. Many professional drivers have careers with benefits, 401K, and pensions.

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Driver Training

As a professional driver, you will go through training courses when you are hired with a specific company.

Before you begin your driver training, you will most likely need to have a commercial driver’s license given by your state.

After training with your employer, you can start working as a driver with supervision and then switch to independent driving.

A background check will be conducted to assess if you have had any trouble with DUIs or multiple accidents.

Attending a defensive driving class through a local community center or with your local sheriff’s department will be a great addition to your resume for a professional driver job.

Insuring This Career Field

As a professional driver, having car insurance coverage is essential. Anyone working for a company as a professional driver will have insurance coverage through their employer.

If you are working for yourself as a driver, you will have to cover both your professional driving and your personal driving under a car insurance policy.

The annual rate for a professional driver is in the middle to high range when compared to other occupation based car insurance rates.

You may be wondering why a professional driver would have a higher car insurance rate than some other individuals who don’t drive as part of their occupation.

  • First of all, the insurance industry research shows that professional drivers actually follow less of the standard traffic laws than other individuals do which means a higher risk of accidents.
  • Secondly, professional drivers generally drive faster than other drivers. One survey showed that professional drivers drive an average of 10 miles over the speed limit.

No matter what job you have, you can compare car insurance rates for yourself by entering your ZIP code in the FREE box now!

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