Auto Insurance for Professional Drivers

Auto Insurance for professional drivers, including bus drivers, is normally covered under the employer's fleet insurance policy. Professional driver car insurance in the private sector costs more than fleet insurance, and you may need commercial insurance. You can't use school bus insurance for personal use, but you may get a bus driver discount if you shop around.

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Sara Routhier, Managing Editor and Outreach Director, 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 world o...

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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: Mar 30, 2021

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A Concise Overview

  • Auto insurance for professional drivers like bus drivers may be more expensive because they’re on the road more than the average driver
  • Your occupation isn’t a factor to determine auto insurance, but it determines the frequency of vehicle use
  • Policy discounts for professional drivers can offset high costs

Auto insurance for professional drivers, including bus drivers, can be more expensive than the average driver due to the number of miles they’re expected to travel during the year. While their employer’s car insurance covers bus drivers, professional driver car insurance may require private passenger auto insurance. Car insurance for bus drivers and professional drivers may be complex.

Figuring out how to buy auto insurance and find a cheap car insurance company as a bus driver or professional driver could be complicated, but we’ll show you several options that will make auto insurance shopping easier. If you want to compare auto insurance rates for professional drivers in your local area right now, enter your ZIP code in the free comparison tool above.

Auto Insurance for Professional Drivers and Bus Drivers

Most bus drivers and professional drivers are covered under their employer’s auto insurance policy. Therefore, school bus insurance policy limits are selected by state officials and not the bus driver. If you’re in an accident with a school bus, the driver will have to contact his employer so an official can connect you to the school bus insurance company.

Under an employer, a driver won’t have to worry about school bus insurance costs. If a professional driver owns a school bus, they’ll need to get school bus insurance for personal use or commercial use.

If you’re renting a car for ridesharing services, you should get non-owner car insurance. This is liability coverage you can utilize when you don’t own the vehicle drive. Therefore, it’s also suitable for rentals. Geico, in particular, has a popular non-owner car insurance program for rideshare drivers and delivery drivers.

Why do auto insurance companies ask about your occupation?

Insurance companies ask for your employment status to determine how much you’re on the road. The more you drive, the higher they deem you at risk, so your employment status on car insurance matters. Insurers will also ask what you do for a living to see if your profession can pay their monthly rates.

Bus drivers and professional drivers are always driving, so auto insurance companies will issue higher than average rates to customers who drive more than the average person or company. However, bus driver discounts are available for companies because they’re insuring more than three buses at a time.

The same goes for professional drivers. An employer will likely have more than three vehicles to insure so that insurers may give them a discount.

Telling Your Insurer When You Change Jobs

You don’t have to tell your auto insurance company that you changed jobs. However, if your job change requires less driving, you could save money on auto insurance. In this case, it would be in your best interest to tell your car insurance provider that you changed jobs.

How does your job affect your auto insurance?

Auto insurance companies look at your job as a factor of risk. Bus drivers and some professional drivers are under strict standards and practices, which make them less risky to insure. Companies screen employees to ensure they have a clean driving record. This ultimately reassures them that the driver of the insured vehicle is not a significant risk.

Other professional drivers could face higher than average rates if they don’t go through the checks from their employer or if they insure their vehicle through private passenger insurance options.

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Auto Insurance Rates for Bus Drivers and Professional Drivers

If you’re a bus driver or professional driver, how much will you pay for auto insurance? Here are some Geico car insurance rates taken from Geico quotes. Let’s compare monthly, six-month, and annual coverage rates.

Geico Average Auto Insurance Rates for Bus Drivers and Professional Drivers
Auto Insurance Policy TermGeico Average Auto Insurance Rates
Monthly Rates$165
Six-month Rates$992
Annual Rates$1,984
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The longer you have coverage, the more you’ll pay. For bus drivers and professional drivers, they’ll pay higher than average insurance rates if they insure with Geico. Bus driver auto insurance and professional driver auto insurance may be very different, as they are different jobs with different risks.

Does your annual mileage affect bus driver and professional driver auto insurance rates?

Your annual commute mileage, or the number of miles you’re estimated to drive during your auto insurance policy, will affect your rates. The following table details how much coverage can be based on 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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USAA car insurance is the cheapest company, while Liberty Mutual is the most expensive. Although Root Insurance is a quickly rising company, they are a usage-based auto insurance company, which issues rates based on how you drive.

According to the Federal Highway Administration, the average miles traveled by a licensed driver in the United States is 14,425. Therefore, a bus driver and professional driver would benefit from the highest commute mileage option.

Which companies offer discounts for professional drivers and bus drivers?

If you’re a bus driver or professional driver for a company, you won’t receive a bus driver discount as an employee, but your employer can. The bus driver or professional driver discounts may come as the insurance company reviews the driving record of the employees. Here’s a list of companies that offer discounts to bus drivers and professional drivers.

Auto Insurance Discounts Available for Bus Drivers and Professional Drivers
CompaniesMultiple Vehicles DiscountDefensive Driver DiscountOccupation Discount
21st Centuryxx-
AAAxx-
Allstate-xx
American Familyxx-
Ameriprisexx-
Amicaxx-
Country Financialxxx
Esurancexxx
Farmersxxx
Geicoxxx
Liberty Mutualxxx
MetLifexxx
Nationwidexxx
Progressivexx-
Safe Autoxx-
Safecoxxx
State Farmxx-
The Generalxx-
The Hanoverxxx
The Hartfordxxx
Travelersxxx
USAAxx-
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If you’re a professional driver under a private passenger auto insurance policy, you may qualify for other discounts.

Six Auto Insurance Discounts You Should Know About

When you foot the bill for car insurance, you should take advantage of discounts. Six auto insurance discounts to consider are safe driver, good credit, anti-theft, safety feature, claim-free, and on-time payment discounts.

Why good credit? Here is a news report on how credit scores affect jobs, insurance, and renting.

According to the Federal Trade Commission, auto insurance companies offer cheaper rates to consumers with good credit because drivers with high credit scores are less risky to insure than drivers with low credit scores.

Licensing of Professional Drivers and Bus Drivers

Do bus drivers need a CDL? According to the Bureau of Labor Statistics, bus drivers are only required to have a high-school diploma. Professional drivers, on the other hand, may require a CDL, as some operate sedans, SUVs, and pick-up trucks.

Semi-trailer trucks require a CDL license. A professional driver searching for a CDL will likely go through a certification program at a technical school or accredited business that can issue CDLs.

Professional driver car insurance could be extended to any driver with a CDL or a driver that works with the public. It’s essential for bus drivers to keep passengers safe. Despite their education level, they are just as professional as a semi-trailer truck driver.

Under an employer, bus drivers and professional drivers are covered through their company’s auto insurance. Freelance professional drivers will need commercial coverage, which may be more expensive than the average vehicle. You’ll have to shop around to get a reasonable rate.

Start shopping for professional driver car insurance using our free comparison tool. Enter your ZIP code below to begin.

How College Education Can Affect Rates

Your insurance rates could decrease if the nature of your job requires a degree or certification. For example, a person working a job where a high school diploma is needed will pay more for auto insurance than someone with an Associate’s Degree or Bachelor’s Degree. Statistics show that drivers with higher education degrees are less likely to file a claim.

Frequently Asked Questions: Auto Insurance for Professional Drivers

#1 – Do bus drivers get health insurance?

Full-time bus drivers will likely receive health insurance through their employers.

#2 – What jobs bring auto insurance down?

The top five jobs that lower car insurance rates are scientists, pilots, school teachers, police officers, and nurses.

#3 – Does being a delivery driver increase insurance?

Yes. Auto insurance companies increase rates on delivery drivers because they have a higher risk of getting into an accident and filing claims.

#4 – Do you have to list all drivers on insurance?

Yes. Anyone who’s driving your insured vehicle should be added as a driver on the policy.

#5 – Who should be the main driver on auto insurance?

The main driver on your car insurance policy should be you.

#6 – Does insurance cover vehicles or drivers?

Both. When you get insurance, it will cover you and other drivers. Full coverage will cover you regardless of who is at fault, while liability only covers the not-at-fault party.

#7 – What is the best insurance for a new driver?

Geico, Progressive, and USAA appear to be the best auto insurance options for new drivers.

#8 – Does having a CDL lower your auto insurance?

Yes. Some drivers with a CDL can save up to 15 percent on auto insurance.

#9 – Can you have two main drivers on the same auto insurance policy?

Yes. Main, or primary, drivers show the insurance company that more than one person drives the same or multiple vehicles on the policy.

#10 – Do mechanics get cheaper insurance?

Yes. Mechanics pay less for auto insurance.

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