Auto Insurance for Entertainers and Artists

Auto insurance for entertainers and artists should include comprehensive insurance to protect equipment. Performers insurance can usually be a personal policy, but performers may need commercial insurance in some cases. Basic liability rates for performing artist insurance can be around $300 annually.

Compare Quotes Now

 Secured with SHA-256 Encryption

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...

Full Bio →

Written by

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.

Full Bio →

Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Aug 24, 2020

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

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.

Minimum Liability Auto Insurance Requirements and Average Rates by State
StatesInsurance Required in the StateMinimum Liability Limits Required by the StateAverage Annual Liability Insurance Rates in the StateAverage Monthly Liability Insurance Rates in the State
North DakotaBI & PD Liab, PIP, UM, UIM25/50/25$282.55$23.55
South DakotaBI & PD Liab, UM, UIM25/50/25$289.04$24.09
IowaBI & PD Liab20/40/15$293.34$24.45
WyomingBI & PD Liab25/50/20$323.38$26.95
MaineBI & PD Liab, UM, UIM, Medpay50/100/25$333.92$27.83
IdahoBI & PD Liab25/50/15$337.17$28.10
VermontBI & PD Liab, UM, UIM25/50/10$340.98$28.42
KansasBI & PD Liab, PIP25/50/25$342.33$28.53
NebraskaBI & PD Liab, UM, UIM25/50/25$349.07$29.09
North CarolinaBI & PD Liab, UM, UIM30/60/25$357.59$29.80
WisconsinBI & PD Liab, UM, Medpay25/50/10$359.84$29.99
IndianaBI & PD Liab25/50/25$372.44$31.04
AlabamaBI & PD Liab25/50/25$372.57$31.05
OhioBI & PD Liab25/50/25$376.16$31.35
ArkansasBI & PD Liab, PIP25/50/25$381.14$31.76
MontanaBI & PD Liab25/50/20$387.77$32.31
New HampshireFR only25/50/25$393.24$32.77
TennesseeBI & PD Liab25/50/15$397.73$33.14
MissouriBI & PD Liab, UM25/50/25$399.41$33.28
VirginiaBI & PD Liab, UM, UIM25/50/20$413.12$34.43
IllinoisBI & PD Liab, UM, UIM25/50/20$430.54$35.88
MississippiBI & PD Liab25/50/25$437.38$36.45
MinnesotaBI & PD Liab, PIP, UM, UIM30/60/10$439.58$36.63
OklahomaBI & PD Liab25/50/25$441.57$36.80
HawaiiBI & PD Liab, PIP20/40/10$458.49$38.21
New MexicoBI & PD Liab25/50/10$462.21$38.52
CaliforniaBI & PD Liab15/30/5$462.95$38.58
UtahBI & PD Liab, PIP25/65/15$471.26$39.27
ColoradoBI & PD Liab25/50/15$477.10$39.76
ArizonaBI & PD Liab15/30/10$488.59$40.72
GeorgiaBI & PD Liab25/50/25$490.64$40.89
PennsylvaniaBI & PD Liab, PIP15/30/5$495.02$41.25
South CarolinaBI & PD Liab, UM, UIM25/50/25$497.50$41.46
TexasBI & PD Liab, PIP30/60/25$498.44$41.54
West VirginiaBI & PD Liab, UM, UIM25/50/25$501.44$41.79
KentuckyBI & PD Liab, PIP, UM, UIM25/50/25$518.91$43.24
AlaskaBI & PD Liab50/100/25$547.34$45.61
OregonBI & PD Liab, PIP, UM, UIM25/50/20$553.43$46.12
WashingtonBI & PD Liab25/50/10$568.92$47.41
MassachusettsBI & PD Liab, PIP20/40/5$587.75$48.98
MarylandBI & PD Liab, PIP, UM, UIM30/60/15$599.48$49.96
District of ColumbiaBI & PD Liab, UM25/50/10$628.09$52.34
ConnecticutBI & PD Liab, UM, UIM25/50/20$633.95$52.83
NevadaBI & PD Liab25/50/20$647.07$53.92
Rhode IslandBI & PD Liab25/50/25$720.06$60.01
MichiganBI & PD Liab, PIP20/40/10$722.04$60.17
LouisianaBI & PD Liab15/30/25$727.15$60.60
DelawareBI & PD Liab, PIP25/50/10$776.50$64.71
New YorkBI & PD Liab, PIP, UM, UIM25/50/10$784.98$65.42
FloridaPD Liab, PIP10/20/10$845.05$70.42
New JerseyBI & PD Liab, PIP, UM, UIM15/30/5$865.55$72.13
Get Your Rates Quote Now

Compare RatesStart Now →

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.

Compare Quotes From Top Companies and Save

 Secured with SHA-256 Encryption

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.

Compare Quotes Now

Compare Quotes From Top Companies and Save

 Secured with SHA-256 Encryption

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.

Compare Quotes From Top Companies and Save

 Secured with SHA-256 Encryption

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.

References:

  1. https://content.naic.org/state_web_map.htm

Compare Quotes Now

Compare Quotes From Top Companies and Save

 Secured with SHA-256 Encryption