UPDATED: Aug 24, 2020
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A Concise Overview
- If your vehicle is only occasionally used mostly for entertainment gigs, a personal auto insurance policy may be sufficient.
- If your vehicle is used mostly for your job, you may want to consider commercial auto insurance.
- Auto insurance for performers and artists that includes comprehensive coverage may help pay for equipment stolen from your vehicle.
If you’re a professional painter, digital artist, singer, or someone else in a similar industry, you may be wondering about how to buy auto insurance specific for entertainers/artists. The type of insurance you need can vary, depending on what you’re using your vehicle for.
Many in the entertainment industry work as independent contractors, some of whom find value in purchasing commercial auto insurance, which covers vehicles primarily used for business, including business vans and things of that nature.
The cost of your auto insurance can depend on a number of factors, including how often you’d be using it for business and the type of vehicle you’re. In our helpful guide, we’ve provided plenty of information on car insurance for entertainers and artists.
Before learning more about auto insurance for entertainers and artists, fill out our easy-to-use comparison tool to compare auto insurance rates.
Basic Auto Insurance for Entertainers and Artists
If you have a personal vehicle that you plan on using to transport yourself and your equipment to gigs, then it’s important to make sure you have the right types of coverage. Those using a vehicle partly for gigs, but mostly for personal use may find it most cost-efficient to solely have a personal auto insurance policy.
Basic auto insurance policies can differ from state to state and company to company, but usually include personal injury protection, bodily injury liability, property damage liability, comprehensive coverage, collision, and uninsured/underinsured motorist.
It’s easy to find specific auto insurance information for your state from the National Association of Insurance Commissioners (NAIC).
The minimum requirement for liability coverage in all states can be seen in the table below.
|States||Insurance Required in the State||Minimum Liability Limits||Average Annual Liability Insurance Rates||Average Monthly Liability Insurance Rates|
|North Dakota||BI & PD Liab, PIP, UM, UIM||25/50/25||$282.55||$23.55|
|South Dakota||BI & PD Liab, UM, UIM||25/50/25||$289.04||$24.09|
|Iowa||BI & PD Liab||20/40/15||$293.34||$24.45|
|Wyoming||BI & PD Liab||25/50/20||$323.38||$26.95|
|Maine||BI & PD Liab, UM, UIM, Medpay||50/100/25||$333.92||$27.83|
|Idaho||BI & PD Liab||25/50/15||$337.17||$28.10|
|Vermont||BI & PD Liab, UM, UIM||25/50/10||$340.98||$28.42|
|Kansas||BI & PD Liab, PIP||25/50/25||$342.33||$28.53|
|Nebraska||BI & PD Liab, UM, UIM||25/50/25||$349.07||$29.09|
|North Carolina||BI & PD Liab, UM, UIM||30/60/25||$357.59||$29.80|
|Wisconsin||BI & PD Liab, UM, Medpay||25/50/10||$359.84||$29.99|
|Indiana||BI & PD Liab||25/50/25||$372.44||$31.04|
|Alabama||BI & PD Liab||25/50/25||$372.57||$31.05|
|Ohio||BI & PD Liab||25/50/25||$376.16||$31.35|
|Arkansas||BI & PD Liab, PIP||25/50/25||$381.14||$31.76|
|Montana||BI & PD Liab||25/50/20||$387.77||$32.31|
|New Hampshire||FR only||25/50/25||$393.24||$32.77|
|Tennessee||BI & PD Liab||25/50/15||$397.73||$33.14|
|Missouri||BI & PD Liab, UM||25/50/25||$399.41||$33.28|
|Virginia||BI & PD Liab, UM, UIM||25/50/20||$413.12||$34.43|
|Illinois||BI & PD Liab, UM, UIM||25/50/20||$430.54||$35.88|
|Mississippi||BI & PD Liab||25/50/25||$437.38||$36.45|
|Minnesota||BI & PD Liab, PIP, UM, UIM||30/60/10||$439.58||$36.63|
|Oklahoma||BI & PD Liab||25/50/25||$441.57||$36.80|
|Hawaii||BI & PD Liab, PIP||20/40/10||$458.49||$38.21|
|New Mexico||BI & PD Liab||25/50/10||$462.21||$38.52|
|California||BI & PD Liab||15/30/5||$462.95||$38.58|
|Utah||BI & PD Liab, PIP||25/65/15||$471.26||$39.27|
|Colorado||BI & PD Liab||25/50/15||$477.10||$39.76|
|Arizona||BI & PD Liab||15/30/10||$488.59||$40.72|
|Georgia||BI & PD Liab||25/50/25||$490.64||$40.89|
|Pennsylvania||BI & PD Liab, PIP||15/30/5||$495.02||$41.25|
|South Carolina||BI & PD Liab, UM, UIM||25/50/25||$497.50||$41.46|
|Texas||BI & PD Liab, PIP||30/60/25||$498.44||$41.54|
|West Virginia||BI & PD Liab, UM, UIM||25/50/25||$501.44||$41.79|
|Kentucky||BI & PD Liab, PIP, UM, UIM||25/50/25||$518.91||$43.24|
|Alaska||BI & PD Liab||50/100/25||$547.34||$45.61|
|Oregon||BI & PD Liab, PIP, UM, UIM||25/50/20||$553.43||$46.12|
|Washington||BI & PD Liab||25/50/10||$568.92||$47.41|
|Massachusetts||BI & PD Liab, PIP||20/40/5||$587.75||$48.98|
|Maryland||BI & PD Liab, PIP, UM, UIM||30/60/15||$599.48||$49.96|
|District of Columbia||BI & PD Liab, UM||25/50/10||$628.09||$52.34|
|Connecticut||BI & PD Liab, UM, UIM||25/50/20||$633.95||$52.83|
|Nevada||BI & PD Liab||25/50/20||$647.07||$53.92|
|Rhode Island||BI & PD Liab||25/50/25||$720.06||$60.01|
|Michigan||BI & PD Liab, PIP||20/40/10||$722.04||$60.17|
|Louisiana||BI & PD Liab||15/30/25||$727.15||$60.60|
|Delaware||BI & PD Liab, PIP||25/50/10||$776.50||$64.71|
|New York||BI & PD Liab, PIP, UM, UIM||25/50/10||$784.98||$65.42|
|Florida||PD Liab, PIP||10/20/10||$845.05||$70.42|
|New Jersey||BI & PD Liab, PIP, UM, UIM||15/30/5||$865.55||$72.13|
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As you can see, many states differ on the types and amounts of coverage they require.
While neither comprehensive nor collision coverage is usually required by law to have on your policy, it’s probably a good idea to have them anyway. Find out why in the section below.
Comprehensive and Collision Insurance for Entertainers and Artists
If your vehicle is damaged and it’s your only source of transportation to gigs, you’ll want to be able to pay for the damages and have it repaired quickly. This is where both comprehensive and collision insurance can come in.
Comprehensive insurance will help cover damages not caused by a collision, including weather damage, vandalism, car theft, and more. In many cases, comprehensive insurance can also help cover the cost of things stolen from your vehicle.
This video discusses comprehensive auto insurance in more detail.
Collision insurance, on the other hand, is meant to cover damages to your vehicle caused by a collision with another vehicle or object. This type of coverage will usually pay for damages even if the accident in question was your fault.
For more on collision insurance, check out this quick video.
It’s worth noting that you will likely have to pay a deductible after filing a claim for either comprehensive or collision coverage. This is why it’s good to discuss multiple possibilities with your insurance agent beforehand.
Entertainer and Artist Commercial Auto Insurance
Commercial auto insurance is a great option for those using a vehicle primarily for business. For example, DJs or birthday clowns who have their own business may use a van to transport their equipment. If you’re considering commercial auto insurance, it’s important to determine your exact needs and wants, then discuss them with your agent.
Here’s a video from Travelers Insurance that discusses commercial auto insurance coverage.
For the most part, commercial auto insurance will cover the value of the car and will provide some liability insurance. Usually, collisions, thefts, and forms of vandalism will be covered as well.
Commercial auto insurance is required in most states for vehicles primarily used for business. That being said, business vehicles can usually be used for minimal personal use.
Many major insurance companies offer some form of commercial auto insurance. Some companies also offer you the option to customize your policy depending on your specific needs. Easily compare rates from different companies by using our helpful tool.
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Protecting Your Art or Performance Equipment
If you have a vehicle filled with expensive equipment, it’s important to protect your stuff in any way that you can. Comprehensive coverage will usually help pay for theft, but losing all your equipment will likely damage your business significantly.
An obvious way to keep your equipment protected is to store your vehicle in a garage. Even many apartment complexes offer garage options. There is also a multitude of special alarms and locks that can be added to a vehicle.
While auto insurance is important, there are other types of insurance entertainers should consider as well. Read on for more information.
Other Types of Insurance for Entertainers and Artists
Do performers need insurance? It’s important that everyone has some type of insurance to help in times of crisis.
There are many types of performing artist insurance out there for entertainers, including group performer insurance, party entertainer insurance, Santa Claus entertainer insurance, circus performers insurance, and more.
Be sure to check out health insurance for entertainers when considering your auto insurance policy.
Now that you know some information about auto insurance for entertainers and artists, use our helpful tool to easily compare auto insurance rates.