Auto Insurance for Legal Occupations

Auto insurance for legal occupations is cheaper than other jobs because it's considered low-risk. In some cases car insurance for a legal occupation can be more expensive if the job requires that you drive more. Car insurance for lawyers averages $151/month with Geico. In some cases, auto insurance discounts for legal occupations might be available if you're a federal employee.

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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:

  • Auto insurance for legal occupations is cheaper than other professions.
  • Car insurance companies want to know your occupation to evaluate risk.
  • Education is a factor when determining an auto insurance policy.

Auto insurance for legal occupations is cheaper than most professions because auto insurance companies believe they’re less risky to insure. Although auto insurance for lawyers, paralegals, and similar jobs often get the same discounts and average insurance rates as other occupations, several other factors make it more affordable.

We’ll help explain why occupations with the lowest car insurance rates are less risky than other professions, and how to switch car insurance and save money. We’ll cover the cost of car insurance for legal occupations as well as car insurance discounts for lawyers, judges, and paralegals.

If you’ve been searching for occupation discount car insurance, you can narrow your search with our free comparison tool. Enter your ZIP code to compare cheap auto insurance for legal occupations in your local area.

Auto Insurance for Legal Occupations

Lawyers and judges are two of the most prominent legal occupations. Both occupations can be employed by the state and federal sectors of the U.S. government, and both are in a cheaper bracket on the car insurance occupation class list.

Legal occupations can also include other positions in government and the private sector where they perform legal duties, such as a paralegal. These occupations aren’t high risk to car insurance companies.

If you have a job in the legal field where you drive a vehicle issued by your employer, that job may pay for auto insurance on the car. Jobs that pay for coverage either provide a vehicle for you or give you the benefits of insurance when you’re a full-time employee. State and federal legal occupations will often have these perks.

Why do insurers ask about your occupation?

Car insurance companies want to know your occupation so they can determine your level of risk. Legal occupations are less likely to get into an accident and file a claim. They also have a much lower chance for DUI convictions.

Even coverage for police officers presents a lower risk for insurers.

What about individuals who don’t have a job? Does being unemployed affect car insurance? Yes, your auto insurance rates could increase if you’re unemployed. If an unemployed person is having trouble making payments, the company may suggest that they either get liability car insurance to reduce costs or cancel their coverage altogether.

How does your job affect your auto insurance?

Some occupations require you to drive more than the average motorist. According to the Federal Highway Administration, the average licensed driver travels 14,425 miles per year. If your legal occupation demands that you travel around a lot, you could pay higher than average auto insurance rates.

Your education level also affects coverage. According to the Bureau of Labor Statistics, lawyers and judges require doctoral or professional degrees. Statistics show that those with higher education degrees are less likely to file a claim, and car insurance companies issue cheaper rates to those with college degrees.

Start searching for cheap auto insurance quotes in your area by entering your ZIP code in the free comparison tool.

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Legal Occupation Auto Insurance Rates

Car insurance rates can be cheaper based on occupation. Let’s compare legal occupation coverage to law enforcement auto insurance using statistics from Geico.

Geico Average Auto Insurance Rates for Legal Occupations
OccupationsGeico Average Monthly RatesGeico Average Six-Month RatesGeico Average Annual Rates
Attorney/Lawyer/Judge$151$906$1,812
Police Officer$158$948$1,896
Currently Unemployeed$165$992$1,984
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Legal occupations have the cheapest rates, while unemployed individuals have the most expensive rates for auto insurance. Discounts can reduce car insurance costs and help you save more each year.

Does your annual mileage affect legal occupation auto insurance?

Driving your vehicle less can save you money on car insurance. Insurers will ask about the purpose of your car when giving you coverage rates. If your vehicle is generally used for work commutes, expect to pay more for auto insurance. However, a car that you drive only on weekends will produce cheaper rates.

Let’s examine full coverage auto insurance rates from the top companies in the United States.

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 are the cheapest companies in terms of annual commute mileage rates. Progressive insurance is more expensive. If you’re in an area where Progressive is one of the few options available, start looking for discounts that will lower your rates.

Which companies offer discounts for legal occupation auto insurance?

Those with legal jobs in the federal sector could receive a federal employee discount. The following companies offer federal employee discounts:

  • Farmers
  • Geico
  • Liberty Mutual
  • MetLife

Some smaller companies may offer federal employee discounts or business-preferred discounts. However, it would be best if you didn’t count on restrictive discounts.

You can also get discounts for good credit. According to the Federal Trade Commission, auto insurance companies issue discounts to consumers with good credit scores. Statistics show that consumers with good credit scores are less likely to file a claim than those with poor credit scores.

Compare legal occupation auto insurance right now by entering your ZIP code in the free comparison tool below.

Frequently Asked Questions: Legal Occupation Auto Insurance

#1 – Do insurance companies ask for proof of occupation?

Yes. Asking for your occupation is one way a car insurance company verifies your identity.

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

According to Fortune, Nationwide is one of the best insurance companies to work for.

#3 – Can you get auto insurance with no job?

Yes, although your car insurance rates will be more expensive than average if you are unemployed.

#4 – Is it legal to have two auto insurance policies?

Yes. However, you can’t insure the same vehicle from two different policies.

#5 – What occupation is best for auto insurance?

Occupations that require less than average driving will lead to the best car insurance rates.

#6 – Why does occupation affect auto insurance?

Your occupation affects your car insurance rates because it determines how much you drive. The more you drive, the higher you are at risk for being in an accident and filing a claim.

#7 – What kind of auto insurance is required by law?

Liability coverage is required by law in all states.

#8 – Do insurance companies check occupation?

Yes. Insurance companies want to make sure your occupation earns enough to pay premiums, and they want to determine the level of risk.

#9 – What day is auto insurance the cheapest?

The cheapest day for auto insurance is any day in December.

#10 – What are the best insurance jobs to have?

The best insurance jobs to have are insurance investigators, insurance claim adjusters, actuaries, underwriters, loss control agents, and insurance agents.

References:

  1. https://www.fhwa.dot.gov/ohim/onh00/onh2p11.htm
  2. https://www.bls.gov/ooh/legal/lawyers.htm
  3. https://www.consumer.ftc.gov/articles/0152-credit-scores

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