Marissa Hayes is a technical editor and contributing writer. She holds a Bachelor’s Degree in history, and she was the editor of the literary magazine, The Bluestone Review.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com.

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Reviewed by Daniel Walker
Licensed Car Insurance Agent

UPDATED: Jul 19, 2021

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The Short of It

  • Teachers, firefighters, and doctors are among the jobs that can get auto insurance discounts
  • Certain occupations file fewer claims and have fewer accidents
  • Lower risk occupations get lower rates

Auto insurance rates are extremely specific. The potential danger you and your vehicle provide to an insurance company is reflected in your rates. One of the many elements that make up your auto insurance rates is your career.

Whether you’re shopping around for basic or full coverage auto insurance, you’re going to want to do your research.

Curious to find out how you can save money? This article will tell you all about an occupation discount for auto insurance: how to lower your rates.

Before learning more about an occupation discount for auto insurance, find out how much you could be saving on auto insurance right now by entering your ZIP code into our free tool above.

Occupations That Can Get You Discounts and Low Rates on Auto Insurance

The discount given will vary from company to company. However, usually the following will be eligible for discounts:

  • Scientific professionals
  • First responders such as firefighters or police officers
  • Professors and teachers
  • Nurses

When shopping for vehicle insurance it’s best to tell your provider about your education and career and inquire about any discounts that may be available to you.

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What occupations do auto insurance companies see as low risk?

Wondering if your job is considered low or high risk? Here is a selection of jobs that insurance companies consider to fall in either category.

Average Six-Month Auto Insurance Rates for High and Low-Risk Jobs
High-Risk OccupationsAverage Six-Month RatesLow-Risk OccupationsAverage Six-Month Rates
Chef (No High School)$1,038.90 Homemaker$407.50
Chef (High School)$1,038.90 Professor
w/ College Degree
$430.10
Currently Unemployed$992.00Military Officer
(Air Force O1)
$836.80
Actor$992.00Retired Miltary
(Air Force O6)
$836.80
Waiter/Bartender/Host$992.00Psychiatrist$871.50
Athlete$992.00Military E5
$875.10
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The occupation discount for car insurance is based on accident statistics that show that particular jobs don’t have as many accidents or claims.

Occupation Discount for Auto Insurance: How to Lower Your Rates and Save

The best way to lower your rates when you buy auto insurance is to shop around. Be sure to provide your chosen insurance company with the specifics of your job to get the right rate.

Now that you know more about how to find an occupation discount for auto insurance, enter your ZIP code in our free quote tool to get auto insurance quotes near you.

Frequently Asked Questions: Occupation Discount for Auto Insurance- How to Lower Your Rates

Although this will hopefully have covered everything, you may still have questions about occupation discounts. Here are answers to some of the most common ones.

#1 – Which companies offer occupation discounts?

Almost all auto insurance companies offer auto insurance discounts. There is a GEICO occupation discount and even discounts for membership of certain organizations.

These include the AAA occupation discount, which is available through its three insurance providers.

#2 – Do I have to work in a certain field to get an occupation discount?

In some cases, insurance companies will give you a discount just for having a degree in one of the chosen occupations even if you don’t work in the field.