Auto Insurance for Cashiers and Clerks

Auto Insurance for cashiers and clerks averages 11 percent of disposable income. Full coverage insurance with Geico averages $165/month, and there are no specific auto insurance discounts for cashiers and clerks. Cheap auto insurance for cashiers and clerks can be found by comparing several companies.

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Sara Routhier, Managing Editor of Features and Outreach, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming worl...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Sep 1, 2020

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A Concise Overview:

  • Clerks and cashiers’ percentage of income can be affected by auto insurance up to 20 percent.
  • Good credit can save you hundreds on auto insurance.
  • Driving your vehicle less will lower your auto insurance rates.

Auto insurance for cashiers and clerks can be expensive. Clerk and cashier auto insurance uses up more of a clerk’s or cashier’s disposable income than the average worker in the United States. Although the average full coverage auto insurance rate is $1,030, clerks and cashiers could end up paying thousands of dollars more.

There are still ways to get cheap car insurance rates for cashiers and clerks. Our free comparison tool can help you find affordable coverage in your area. Enter your ZIP code above to compare the cheapest insurance companies now.

Auto Insurance for Cashiers and Clerks

A clerk is a term that can sometimes be interchangeable with a cashier, and sometimes mean something closer to an administrative assistant. In this article, we are focusing on retail and other store clerks that perform a job similar to a cashier.

Clerks and cashiers can earn a livable wage in the United States, but the cost of auto insurance can take at least 11 percent of their disposable income. Therefore, clerks and cashiers need to maintain a clean driving record to avoid expensive auto insurance rates.

There are a few discounts that clerks and cashiers may be eligible for, such as the business preferred discount.

A business-preferred discount applies to an individual who has a specific occupation.

Most business-preferred discounts are available to executives, CPAs, engineers with professional degrees, and Ph.D.s. How could a clerk or cashier qualify? They would have to find an auto insurance company that offers business-preferred discounts to clerks and cashiers.

Why do insurers ask about your occupation?

Auto insurance companies want to know about your occupation because they want to make sure your disposable income is enough to pay for their policy. Insurers can also determine if your job puts you at risk to file claims. Jobs that require a lot of driving will generate higher than average auto insurance rates.

“How do I find auto insurance near me?” The best way to compare auto insurance quotes is through our free comparison tool. Get a car insurance quote instantly by entering your ZIP code now.

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Clerk and Cashier Auto Insurance Rates

Each company issues auto insurance rates differently. Prices are very competitive, but some of the top companies have cheaper rates. Here’s a quick look at the average rates you get from Geico.

Geico Average Auto Insurance Rates for Clerks and Cashiers
Auto Insurance Policy TermGeico Average Auto Insurance Rates
Monthly rates$165
Six-month rates$992
Annual rates$1,984
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Based on the annual rate, it shouldn’t be much of a clerk or cashier’s disposable income. However, you should still shop around to see if you find a cheaper rate.

Before you commit to using them, read our Geico auto insurance review.

Companies like Safe Auto are 24-hour auto insurance like Geico. If you check Safe Auto’s insurance company code, you’ll see that it isn’t as big as Geico, but it’s maintained several premiums over the years. Safe Auto non-owner insurance in Arizona and Florida is known for its competitive rates. The company is pushing the Safe Auto insurance app, so workers like clerks and cashiers have a chance to compare rates faster.

Does your annual mileage affect clerk and cashier auto insurance rates?

When you get an auto insurance quote, the company will ask how many miles you’re expected to drive. Work commutes mean you’ll be using your car frequently, while pleasure commutes mean you’ll rarely drive the car.

The following table details car insurance rates based on how many miles you’re expected to drive per year.

Average Annual Auto Insurance Rates by Commute
CompaniesAverage Annual Rates for
10 Miles Commute
6000 Annual Mileage
Average Annual Rates for
25 Miles Commute
12000 Annual Mileage
USAA$2,483$2,592
GEICO$3,163$3,267
State Farm$3,176$3,344
American Family$3,401$3,485
Nationwide$3,437$3,463
Progressive$4,030$4,041
Farmers$4,179$4,209
Travelers$4,400$4,470
Allstate$4,842$4,934
Liberty Mutual$5,995$6,152
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USAA, Geico, and State Farm have the cheapest auto insurance rates based on commute mileage. Clerk and cashier auto insurance would be more expensive, and coverage rates would be more costly if they drive over 12,000 miles per year. According to the Federal Highway Administration, the average licensed driver in the United States drives 14,425 miles per year.

If you live in California, Hawaii, or New Jersey, consider low-cost auto insurance to save money.

Which companies offer discounts for clerks and cashiers?

Since clerks and cashiers are common jobs in the United States, discounts aren’t targeted specifically to clerks and cashiers. However, companies offer several discounts to all workers searching for auto insurance. Here are some discounts that clerks and discounts should ask about when shopping for coverage.

Types of Auto Insurance Discounts Available
Vehicle DiscountsDriver/Customer DiscountsPersonal Discounts
Active Disabling DeviceClaim FreeEmergency Deployment
Adaptive Cruise ControlContinuous CoverageFamily Legacy
Adaptive HeadlightsDefensive DriverFamily Plan
Anti-lock BrakesDriver's EducationFederal Employee
Audible AlarmDriving Device/AppFurther Education
Automatic BrakingEarly SigningGood Student
Blind Spot WarningFull PaymentHomeowner
Daytime Running LightsGood CreditLife Insurance
Economy VehicleLoyaltyMarried
Electronic Stability ControlMultiple PoliciesMembership/Group
Farm/Ranch VehicleMultiple VehiclesMilitary
Forward Collision WarningNew Customer/New PlanNew Address
Garaging/StoringOccasional OperatorNew Graduate
Green/Hyrbid VehicleOnline ShopperNon-smoker/Non-drinker
Lane Departure WarningOn-Time PaymentsOccupation
Newer VehiclePaperless/Auto BillingRecent Retirees
Passive RestraintPaperless DocumentsStable Residence
Utility VehicleRoadside AssistanceStudent Away
Vehicle RecoverySafe DriverStudent or Alumni
VIN EtchingSeat Belt UseVolunteer
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The biggest discounts for clerks and cashiers are safe driver, defensive driver, and safety feature discounts. As mentioned before, a clean driving record can reduce auto insurance rates by hundreds of dollars. If you combine anti-theft and safety features to your car insurance savings, you can save even more money.

Start comparing cashier auto insurance with our free comparison tool. Compare auto insurance companies by entering your ZIP code below.

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Frequently Asked Questions: Clerk and Cashier Auto Insurance

#1 – How much should I be paying in auto insurance?

According to the National Association of Insurance Commissioners (NAIC), you should be paying around $1,030/year for car insurance. However, your rates will vary depending on the company you’re with and where you live.

#2 – What is the best auto insurance company to work for?

Nationwide made Fortune’s 100 Best Places to Work list, making it one of the best insurance companies in the nation.

#3 – Who pays the most for auto insurance?

Teen drivers and drivers with DUI convictions pay the highest car insurance rates.

#4 – How does occupation affect auto insurance?

Your occupation determines how much you may drive your vehicle. A job that demands frequent use could mean higher risk and likelihood that the driver will file a claim.

#5 – Does car insurance go down at 25 with State Farm?

Yes. Twenty-five-year-old drivers will receive much cheaper rates than drivers who are younger.

#6 – What discounts can you get on auto insurance?

You can get discounts for good credit, a clean driving record, safety features on a vehicle, and maintaining consistent coverage.

#7 – Is it cheaper to put two cars on one policy?

Yes. Auto insurance companies will discount multiple vehicles on one policy.

#8 – Who has the cheapest auto insurance in Texas?

The top three cheapest car insurance companies in Texas are Farmers, USAA, and State Farm.

References:

  1. https://www.bls.gov/ooh/office-and-administrative-support/secretaries-and-administrative-assistants.htm
  2. https://insurance.mo.gov/CompanyAgentSearch/CompanySearch/compSearchDetails.php?id=44265733&t=MC&n=SAFE%20AUTO%20INSURANCE%20COMPANY&c=
  3. https://www.fhwa.dot.gov/ohim/onh00/onh2p11.htm

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