Auto Insurance for Machine Operators

If you are searching for machine operator auto insurance rates, you can expect to pay anywhere from $1,200 to $1,400 a year for coverage. Auto insurance rates for machine operators tends to be higher than the local average because the job is often classified as a high-risk occupation. As a machine operator, you may be able to get discounts with your auto insurance provider to lower your rates.

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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 19, 2021

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A Concise Overview

  • Auto insurance for machine operators will likely cost between $1,200 and $1,400 annually
  • Machine operators may be considered high-risk individuals, which could raise auto insurance rates
  • You may be able to lower your rates by up to 20% with discounts

If you’re searching for auto insurance for machine operators, you may find that the cost of insurance is higher than you initially anticipated.

Machine operators could be subject to higher car insurance rates because of the nature of their jobs. This is because, in the insurance industry, a machine operator has a high-risk career.

However, this doesn’t necessarily mean you’ll need high-risk auto insurance.

It all depends on the auto insurance companies you contact and the nature of your job. As you shop around for affordable machine operator auto insurance, be as specific as you can about the nature of your job.

If you want machine operator auto insurance quotes from multiple companies, enter your ZIP code into our free tool above.

How much is auto insurance for machine operators?

Car insurance for machinists can vary based on a variety of factors. In general, the National Association of Insurance Commissioners states that the average cost of auto insurance in the U.S. is $1,190 annually or $99 per month.

As a machine operator, you will likely pay more than the average rate for auto insurance in your state because your job is considered high risk. Some estimates predict that you will be paying around $1,400 per year for coverage.

You will not know how much car insurance will cost until you get quotes from specific companies. When you ask a company for an auto insurance quote, they ask you for a variety of information, including:

  • Your age
  • Your gender
  • Your occupation
  • Your license number (to check your driving record)
  • Your address
  • Your estimated yearly mileage

By getting a bit of information about you and your lifestyle, insurance companies can quickly estimate the amount you should be paying for car insurance using an auto insurance calculator.

With a high-risk career, machine operators may be put into a high-risk category, which means they will be paying more for auto insurance coverage.

As you shop around for policies with multiple companies, you are likely to find that each company’s estimate is a bit different. This makes it extremely important to check with multiple companies for machine operator car insurance.

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Are there auto insurance discounts for machine operators?

While machine operators will not find discounts for their job, they will likely be able to get discounts for other reasons.

Most insurance companies offer a vast array of discounts as incentives to their policyholders. These discounts include:

  • Multi-policy
  • Multi-car
  • Safe car
  • New car
  • Anti-theft
  • Good driver
  • Defensive driver
  • Paperless billing
  • Professional organizations

These are just some of the discounts many insurance companies offer for car insurance. If you get any of these discounts, they should help to lower your machine operator car insurance rates. Some discounts can lower rates by 20% or more.

Where should I go to buy machine operator auto insurance?

There is no one company to go to when it comes to machine operator car insurance. Instead, you can shop around for great deals on coverage by getting quotes online.

The best way to find affordable car insurance online is to compare quotes from a variety of companies. This allows you to see which company works best for you and also talk one-on-one with insurance representatives when necessary to ensure you’re getting the best deals.

Before you buy auto insurance for machine operators, be sure to enter your ZIP code into the free tool below.

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