Auto Insurance Rates for a Tradesman/Manufacturer

The average car insurance rates for tradesmen and manufacturers are $95.90/mo. Tradesmen and manufacturers who are unionized may enjoy reduced car insurance rates.

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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 20, 2020

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Here's what you need to know...

  • Out of 60 individual job categories, a tradesman or manufacturer has a middle-ranking
  • Being a high-quality worker and working a normal eight hour day will translate into a safe drive home, therefore positively affecting one’s car insurance rates
  • When a manufacturer or tradesman joins a union, they may be able to get lower insurance rates than their non-union peers, depending on the union’s affiliations


Believe it or not, car insurance companies factor in our occupations when determining how much they’re going to charge us.

There are some occupations that result in higher insurance rates than others because of some of the personality characteristics that go along with those types of jobs. When it comes to tradesmen and manufacturing employees, they tend to be right in the middle of the pack.

Their ranking is evidenced by a ranking of 60 individual job categories which placed them 31st — at an annual average of $1,150.80.

When you stop and think about it, it makes perfect sense that tradesmen and manufacturing workers would be right in the middle of the pack.

They have some personality characteristics that make them a safer risk than others, but they also have some characteristics that make them a greater risk. When you factor all those things in, the average worker meets the national norms for accident rates and violations.

If you want to compare auto insurance rates side-by-side, enter your ZIP code now to get started.

Tradesmen/Manufacturing and Quality

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We’re all pretty familiar with what a manufacturing worker is, but what about a tradesman?

Tradesmen are considered those in the construction/home improvement field such as:

  • Carpenters
  • Plumbers
  • Painters

Knowing that we can consider that a great deal of tradesman and manufacturing workers are held to fairly high standards of quality. In fact, what sets the men apart from the boys in these careers is the attention one gives to the quality of his work.

The desire for quality is a good personality trait as far as car insurance is concerned.

It is assumed that when one desires high-quality work, that translates into other areas of life. The tradesman who wants to be the best at his trade with probably also want to be the best at everything else he does; that includes driving.

While he may not consciously sit behind the wheel and determine to be the best driver on the road, it is a subconscious thing resulting from the fact that his career depends on it.

Since he spent eight hours per day in that high-quality mindset, that will translate in a safe drive on the way home.  Safe driving makes a difference in his car insurance rates.

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Tradesmen/Manufacturing – Just Get It Done

On the other hand, one of the personality traits of tradesmen and manufacturing workers that works against them is their tendency to have the attitude of “just get it done.”

These types of workers will tend to work longer hours and go to greater lengths to get the job done so they can get paid.

While this attitude is mostly a good thing, it can sometimes be a bad thing when long hours turn into careless actions. Many a tradesman and manufacturing worker has made serious, careless mistakes at the end of a long day.

By the same token, that carelessness may translate into poor driving on the drive home. Even on days off, when the tradesman or manufacturing worker might take a long car ride, carelessness may come into play after too much time behind the wheel.

Although it’s never been proven statistically, it does make sense that workers with a “just get it done” mentality is more likely to push themselves behind the wheel than other drivers.

Tradesmen/Manufacturing and Unions

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It’s interesting to note that whether or not a tradesman or manufacturing worker is part of a union seems to have little effect on car insurance rates.

The tendency might be to assume union workers will have a somewhat different personality than their non-union peers, leading to some disparity between what the two categories pay.

Although from the insurance company standpoint, it is more about the occupation and less about whether or not an individual belongs to a union.

All that aside, tradesmen and manufacturing workers that are unionized may be able to get lower insurance rates than their non-union peers — if their local organization offers banking and insurance services to members.

These kinds of benefits are very common among trade groups as a means of encouraging membership.

How much an individual union member might pay depends on his organization and what they offer.

By the same token, there are many non-union trade groups that provide insurance and banking opportunities for non-union workers.

If you’re a tradesman or manufacturing worker you can take comfort knowing that what you pay for car insurance is about average.

You may pay more than some others, but you also pay less than others, so it all comes out in the wash. If you think your car insurance rates are too high, you can always shop around to find something better.

Why not begin your search for better car insurance rates by entering your ZIP code below?

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