Auto Insurance for Cleaning and Janitorial Staff

Auto insurance rates for cleaning and janitorial staff will be around $1,190 annually. The ideal amount of auto insurance for a janitor or cleaner will depend on how much you drive and whether you drive a personal or company car. As a cleaning or janitorial staff member, you may be eligible for discounts like safe driver, multi-policy, or low-mileage.

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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: Jul 16, 2021

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A Concise Overview

  • Most cleaning and janitorial staff will need at least liability coverage
  • The average cost for car insurance for cleaning and janitorial staff is $1,190 annually
  • Janitors and cleaning staff members can search for discounts to lower their car insurance rates

If you’re searching for affordable car insurance for cleaning and janitorial staff, rest assured that you have many options when it comes to choosing your ideal coverage.

As a janitor or cleaner, you will likely pay around the average amount for auto insurance. This is due to a variety of factors. You can use an auto insurance calculator to make sure your rates are not higher than they should be.

You could also potentially lower your rates, depending on the coverage you choose and whether you’re eligible for certain discounts.

If you’re considering buying car insurance for cleaning and janitorial staff, be sure to enter your ZIP code into our free tool below to compare rates from multiple companies before you make a final decision.

Do cleaning and janitorial staff need auto insurance?

Whether you need car insurance depends on your method of transportation.

If you use public transportation to get to work, or if the company you work for covers you under its commercial auto insurance policy, you may not need to purchase car insurance for yourself.

But if you drive yourself to and from work — even if you do not own the car you’re driving — you definitely need car insurance.

As you begin to research your options for car insurance coverage, you may be surprised to find that you have a variety of possibilities.

As a car owner, you could consider full coverage, including collision and comprehensive, or you could stick to liability to save a bit more money.

If you’re driving a car that belongs to a family member or friend, you could purchase non-owner car insurance coverage to ensure you have all your bases covered.

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How much is auto insurance for professional cleaners?

Auto insurance for janitors and professional cleaners will likely cost at least as much as the average rate.

According to the National Association of Insurance Commissioners, the national average for basic car insurance coverage is $1,190 annually.

While this number will fluctuate based on where you live and the type of policy you want to purchase, you can expect to pay about $1,200 a year on car insurance.

What type of auto insurance do janitors need?

You have the choice to purchase car insurance that simply meets your state’s minimum requirements for coverage, or you can choose to increase your coverage amount.

The most common types of car insurance coverage include:

  • Liability coverage – mandatory in most states, likely includes bodily injury and property damage coverage
  • Uninsured/underinsured motorist coverage – covers you if you are hit by an uninsured or underinsured driver
  • Comprehensive coverage – covers damage from theft, weather-related incidents, or vandalism
  • Collision coverage – covers you if you are involved in an accident or if you hit an object
  • Medical payments – pays for medical costs associated with injuries due to an accident
  • Personal injury protection – helps to cover medical expenses, childcare costs, and more if you are injured

If you are working for a company that allows you to use its vehicles for cleaning jobs, you will not need any additional coverage on your vehicle unless you would like to purchase it for your own peace of mind.

But if you drive your own car to and from work, if your work requires that you drive to a variety of places, or if you own your own business and have one or more cars associated with it, you will likely want more than just minimum coverage.

You could purchase full coverage, which typically includes collision and comprehensive coverage. Or, you may want to consider commercial or business car insurance if you have multiple cars associated with your company.

How do auto insurance companies decide on rates for cleaning staff?

Car insurance companies factor in several variables when they configure rates for any individual. These include:

  • Age
  • Gender
  • Vehicle make and model
  • Driving history
  • Annual mileage
  • Credit score
  • Marital status

With these factors in mind, your occupation could have a substantial impact on your car insurance rates.

For example, if you drive to and from work five days a week, and your work requires you to then drive to multiple locations to do your job, you may end up paying more for your car insurance because of your annual mileage.

Similarly, if you only drive to and from work, and your work is relatively close to your home, you could expect to pay less than the average amount for your car insurance rates.

All of this varies based on your specific scenario. Companies may consider additional factors when calculating your rates. This is why it’s a great idea to shop around to find the best car insurance rates for cleaning and janitorial staff.

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Can janitors get discounts on auto insurance?

There is certainly a chance that you could get discounts on car insurance for cleaning staff and janitors. You will need to ask multiple companies to see what they offer.

Common car insurance discounts include multi-policy, safe driver, multi-car, and much more. You could end up getting pretty great rates if you look into all the discounts you might be eligible for.

Since there is no specific car insurance company for cleaning and janitorial staff, your best option is to shop around and get quotes from multiple companies to ensure you find the best deal.

In fact, you can enter your ZIP code into our free tool below to find the best car insurance quotes for cleaning and janitorial staff today.

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