Security/Prison Worker Car Insurance Rates

The average rates for car insurance for security/prison workers are $102.31/mo or $1,227.74/yr. Factors like careless driving patterns and driving after long shifts can raise your rates for car insurance for security/prison workers.

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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 27, 2020

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Here's what you need to know...

  • The responsibilities of a security guard or prison guard vary greatly on where their job is located and whether or not they are armed
  • The average annual car insurance rate for security or prison guards is $1,227.74
  • Security guards and prison guards were found to drive a little more carelessly than other drivers based on recent surveys

Working as a security guard or a prison worker is a dangerous job. Security guards and prison guards are the first people in the line of defense on site making sure everything is going according to protocol.

The pay for these jobs does not always reflect the amount of danger these occupations have.

Saving money in every area, including car insurance, is helpful.

The average annual car insurance rate for security or prison guards is $1,227.74.

No matter what occupation you have, you can compare car insurance rates from top companies now by entering your ZIP code in the FREE tool box above!

Security Guard Responsibilities

The responsibilities of security guards vary greatly depending on where the job is located. It is important to distinguish between armed guards and unarmed guards.

Unarmed guards are often paid just slightly over minimum wage and have the main responsibility of patrolling or observing. They typically guard areas like:

  • Gated communities
  • Parking lots
  • Stores
  • Other public venues

An unarmed security guard typically carries pepper spray or another non-lethal item that can be used for defense. They are meant to be a deterrent.

Unarmed security guards let individuals know that the area is being monitored and if trouble arises, the police will be contacted. There is no special licensing to be an unarmed guard.

Armed guards have different responsibilities. Becoming an armed guard requires training in firearms, experience, and in most states, a state license.

The criminal background checks are more in depth and character references are researched.

Anyone that is given the power to possess a firearm with authority must meet certain requirements.

Armed security guards make, on the average, $15 per hour. Armed security guards have the responsibility of guarding individuals and facilities. An armed security guard may work:

  • As a personal security guard
  • In a federal or state government building
  • At a bank or other facility that houses money
  • Drive an armored car
  • At public events such as concerts or other venues that have the potential to become rowdy

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Prison Guard Responsibilities

Prison guards have a variety of responsibilities depending on where in the jail they are located. No matter what part of the prison system they work in, it is imperative that protocol is followed.

Some guards check prisoners in and make sure they are delivered safely to their cell.

Other guards are processors that complete all the paperwork and details of new prisoners, transfer prisoners, and releases.

Some prison guards are floor guards. This means that they monitor prisoners while they are in their cells, out in the yard, or eating. They deliver items to prisoners and move them to and from their cells as needed.

Floor guards are the first line of defense if a fight or other trouble breaks out among prisoners.

The third specific type of prison guards is transport guards. These guards escort prisoners from one destination to another.

It could be moving a prisoner from one prison to another, driving prisoners to release points, or escorting sick prisoners to a hospital or court hearing. They may or may not drive the vehicle during the transport.

Security and Prison Guard Car Insurance

The car insurance rates for security and prison guards are at the higher range of prices when compared to other occupations.

When looking for car insurance, you will be asked what your occupation is because this is part of the process in giving a final quote.

The insurance industry looks at the typical driving patterns of certain occupations to determine these quotes.

Security guards and prison guards were found to drive a little more carelessly than other drivers based on recent surveys.

Their driving skills are due to the fact that they are used to looking at their surroundings and taking control of situations so they tend to drive more aggressively and feel like they are driving in a safe manner.

Also, guards tend to work a variety of hours. Since guarding is a 24 hour a day need, individuals may be working morning, mid, or night shifts.

The variety of work hours also increases the rate of insurance slightly since guards may be driving at more accident prone times of the evening or very early morning.

No matter what occupation you have, you can compare car insurance rates from top companies now by entering your ZIP code in the FREE box below!

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