Car Insurance Rates for Repair/Maintenance Workers

The average car insurance rates for repair/maintenance workers are $95.24/month. Statistics show that these workers have more incidents of fatalities on the job than other jobs, making car insurance rates for repair/maintenance workers higher.

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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 21, 2020

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Here's what you need to know...

  • Repair/maintenance workers pay less for insurance than business executives but more than pilots and aviation professionals
  • Claims information submitted by drivers of various occupations helps insurance companies predict the level of risk associated that job
  • Comparing your current car insurance rates with quotes from other car insurance providers can help you save money

If you’re employed as a repair/maintenance worker, you’ll be interested to know that individuals sharing your occupation pay an average of $1,142.89 in annual car insurance premiums.

Regardless of your occupation, you’d probably like to pay lower car insurance rates. Start your comparison by entering your ZIP code now!

Repair/Maintenance Occupations and Car Insurance

According to the U.S. government, individuals employed in repair/maintenance occupations may be employed full-time or part-time.

These workers usually offer routine maintenance or service of automobiles or vehicles, electronic or other precision devices, industry machinery/equipment, or personal/household appliances and equipment.

Car insurance companies want to know that an insured driver has the ability to pay car insurance premiums on time.

In the event of a car accident, the insurance company holding the driver’s policy needs to know that the driver can pay the deductible.

That’s one of the reasons an insurance company requests individual financial information about each driver they insure.

Many repair/maintenance workers have solid work histories and good driving records.

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Repair/Maintenance Worker Compensation and Car Insurance

Car insurance isn’t a luxury, and repair/maintenance workers driving a personal or commercial vehicle must have car insurance in order to get behind the wheel.

Workers with less than 40-hour work weeks may have less access to employer-sponsored benefits, such as health and medical insurance.

These workers may be required to spend higher out of pocket amounts to obtain medical care than workers with employer-sponsored benefits.

Repair/maintenance workers may drive vehicles in average or less than average condition.

A car insurance company looks at the individual vehicle, including the make, model, and year of the car, prior to offering the driver a policy or assigning car insurance rates.

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Repair/Maintenance Workers and Occupational Risk

Repair/maintenance workers have an approximate 12 percent higher incidence of fatalities in the workplace than other occupations, according to U.S. government statistics.

For that reason, car insurance companies may assign additional risk to those working in repair/maintenance jobs.

Naturally, your specific job title and description can help to allay the concerns of a prospective car insurance company.

If you’re a supervisor or manager without responsibilities for directly repairing or maintaining equipment or devices, your overall occupational risk may be considered lower than that of a line worker.

Again, car insurance companies want to insure healthy drivers.

If your occupation makes you a higher than usual candidate for injury, disability, or unemployment, your car insurance rates may be higher than those of a driver in a job that’s perceived as more stable by the insurance industry.

Private employers hire most repair/maintenance workers. The risk associated with private employers may be considered higher than that of municipal or U.S. government repair/maintenance roles.

Compare Your Car Insurance Rates

If you believe you pay too much for car insurance rates, there’s a fast and easy way to find out.

Start by typing your ZIP code into our FREE comparison tool to get car insurance quotes today!



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Enter your ZIP code below to view companies that have cheap car insurance rates.

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