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: Oct 27, 2020

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A Concise Overview:

  • Tradesperson jobs may require a lot of traveling and could have higher than average auto insurance rates.
  • Commercial auto insurance may be a better option for tradesperson jobs.
  • Discounts can save you hundreds on auto insurance rates.

Auto insurance for manufacturers and tradespeople can be expensive depending on your vehicle, education level, driving record, and credit score. Tradesperson auto insurance is typically higher than occupations that require a college degree. Car insurance companies use statistics to determine a driver’s level of risk; education and occupation happen to be some of the factors to determine your auto insurance policy cost. Contractor car insurance can be pricey and in most cases commercial auto insurance for contractors is required.

We will help you figure out how to buy auto insurance that meets your needs as a tradesperson, contractor, or manufacturer. We will help you learn how to get the cheapest contractor insurance, manufacturer, and tradesperson car insurance. You can start now by entering your ZIP code above to compare rates from companies in your area!

Auto Insurance for Manufacturers and Tradespeople

Tradespersons are workers who have obtained some trade through high school or technical school. In addition to auto insurance, tradespersons will have to shop for the best general contractor insurance they can find.

Manufacturers are workers that work closely with the production of goods, such as processed foods, cars, or other consumer product. Although manufacturing jobs have tried to make a come back recently, the COVID-19 pandemic has made it more challenging to keep people employed as manufacturers.

Most tradesperson and manufacturer jobs don’t require a college degree. Therefore, individuals can go right into a tradesperson or manufacturer job out of high school. This is beneficial for those who choose not to pursue higher education, though it may lead to higher coverage rates.

Why do insurers ask about your occupation and education?

Car insurance companies will need to know your occupation to verify your identity and determine risk. Jobs that require you to drive more than average will increase your auto insurance rates. Tradesperson jobs may involve more driving than the average licensed driver.

According to NASDAQ, insurance companies give cheaper rates to customers who have college degrees. Statistics show that people without college degrees are more likely to get into an accident and file a claim.

Take a look at this video regarding occupation and car insurance rates.

The best way to save, regardless of your job, is to shop around.

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Tradesperson Auto Insurance Rates

Let’s take a look at how much you could pay for auto insurance as a tradesperson and manufacturer. Both of these occupations tend to share the same auto insurance rate. We will examine monthly rates, six-month rates, and annual rates based on Geico contractor’s insurance quotes for tradespersons and manufacturers.

Average Geico Auto Insurance Rates for Tradespersons and Manufacturers
Auto Insurnace Policy TermAverage Geico Rates
Monthly rates$158
Six-month rates$948
Annual rates$1,896
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You could pay close to $1,900 per year for auto insurance, but there are other factors that may impact your own personal rate.

Does your annual mileage affect manufacturer or tradesperson auto insurance rates?

The more you drive, the higher your chances are of getting into an accident and filing a claim. Car insurance companies prepare for more frequent drivers by issuing more expensive rates.

According to the Federal Highway Administration, the average licensed driver travels about 14,425 miles per year.

Manufacturers are less likely to drive over average. However, customers should be prepared for anything. Examine these full coverage auto insurance rates to get an idea of what you could pay based on annual commute mileage.

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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The cheapest companies in the United States are USAA, Geico, and State Farm. Despite being one of the highest-rated companies, Progressive insurance is seventh in annual commute mileage.

Which companies offer auto insurance discounts for tradespeople and manufacturers?

Some auto insurance providers don’t have car insurance discounts specifically for tradespersons and manufacturers. However, some businesses can get specialty insurance coverage for companies in select industries.

As an individual, you’ll need to save money on a personal auto insurance policy. Here is a list of discounts you may be eligible for.

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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Defensive driver, safe driver, and good credit discounts will save you the most money. Be sure to ask about these when receiving your quote

Get cheap auto insurance quotes right now when you enter your ZIP code in the free comparison tool.

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Auto Insurance for Manufacturers and Tradespeople: The Bottom Line

You want to locate the cheapest independent contractor’s insurance while also meeting the requirements for general contractor’s insurance. If you need a small business vehicle or truck insurance, Next Insurance may be the right choice for you.

Commercial auto insurance is also popular with employed and self-employed tradesperson jobs. You may need insurance for your vehicle if you use it for business use. Large utility trucks may require million-dollar vehicle insurance. It’s in your best interest to get full coverage insurance for a business car.

If you want to go with a more prominent company, Geico and Progressive commercial auto insurance are available. Progressive also has a commercial truck insurance login. If you can’t access it, you can contact the Progressive commercial truck insurance phone number at 1-888-240-9837.

Enter your ZIP code below to start comparing auto insurance rates for manufacturers, tradespeople, and contractors in your area.

Frequently Asked Questions: Auto Insurance for Manufacturers and Tradespeople

#1 – What is the best insurance company for small businesses?

The top three companies for small businesses are State Farm, Hiscox, and Nationwide.

#2 – What companies offer commercial auto insurance?

The top five companies for commercial auto insurance are Progressive, Travelers, Liberty Mutual, Nationwide, and Berkshire.

#3 – How much is general liability insurance for a contractor?

General liability insurance is about $30 per month. Ninty-five percent of small businesses pay about $50 per month, while one percent pay $100 per month. Independent contractor insurance costs $400 to $750 per year.

#4 – Is commercial auto insurance expensive?

It depends on the company and how many vehicles you need insured.

#5 – Who has the best commercial auto insurance?

According to Insurance Business Magazine, Progressive has the best commercial auto insurance.

#6 – Is there a penalty for switching auto insurance?

No, there’s no penalty when you switch insurance companies.

#7 – What happens if you have a lapse in auto insurance?

If you have a gap or lapse in insurance, you could be considered a high-risk driver and face more expensive coverage rates.

#8 – What does scheduled autos mean on insurance?

Scheduled autos are listed as “symbol 7.” Scheduled autos stand for cars and non-owned vehicles like trailers that are attached to covered vehicles.

#9 – Do I have to have commercial auto insurance?

You’ll need commercial auto insurance if you have a business with three or more vehicles that require coverage.

#10. What is artisan use in auto insurance?

Artisan use is when a worker uses an insured vehicle to transport tools, goods, and other items from one site to another. Some auto insurance companies will add the miles driven to the annual rate.

References:

  1. https://www.bls.gov/oes/current/oes519199.htm
  2. https://www.nasdaq.com/articles/higher-education-equals-lower-car-insurance-2013-05-24
  3. https://www.fhwa.dot.gov/ohim/onh00/onh2p11.htm