Auto Insurance for Security and Prison Workers

Security and prison workers can expect to pay around $1,230 a year or $205 a month on auto insurance. If you are searching for affordable security and prison worker auto insurance, you may be considered high risk because of your occupations. Many options, such as utilizing discounts and increasing your plan’s deductible, may help you save money on your auto insurance premiums.

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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 30, 2021

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A Concise Overview

  • The average auto insurance rate for security and prison workers is around $1,230 a year
  • Some insurance companies may place you in a high-risk category because of your job
  • You may be eligible to receive discounts to offset a higher car insurance premium

If you are a security or prison worker, you may be curious whether your job has an impact on your auto insurance premiums. Security and prison workers have plenty of options when it comes to car insurance.

You may be wondering how to purchase auto insurance or how to switch your car insurance carrier. If so, you have several things to consider before you make any decisions.

While auto insurance for prison staff is easy to find, the cost of car insurance premiums can vary drastically. That’s why it’s important to shop around and find the best security and prison worker car insurance rates you can.

If you are shopping for affordable security and prison worker car insurance, enter your ZIP code into our free tool above to get started.

How much is security and prison worker auto insurance?

The average car insurance premium for security and prison workers is around $1,230 a year, though premiums can vary from one company to the next.

It is likely that auto insurance for security guards will be a bit higher than your state average. This is because many companies consider security and prison workers to have high-risk occupations.

Because a person’s occupation is one of the factors evaluated by most insurance companies to come up with a person’s premium, your job as a security officer or prison worker may impact your rates.

Some other factors companies look at are:

  • Address
  • Driving record
  • Gender
  • Age
  • Annual mileage
  • Credit score

As companies evaluate these variables, they decide whether you are an ideal policyholder or whether you belong in a high-risk category.

Since not all companies are the same, it is important for you to compare car insurance rates from multiple companies before you buy security and prison worker car insurance.

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Can security and prison workers get cheap auto insurance?

Even if you are categorized as high risk, this does not mean you will need to purchase high-risk auto insurance.

You may still be able to find cheap auto insurance for prison guards. One great way to find cheap rates or lower your premium is to take advantage of discounts.

Many companies offer different discounts to their policyholders. The impact of each discount varies, but some potential discounts with typical percentages are as follows:

Auto Insurance Discounts for Security and Prison Workers
Discount NamePercentage Discounted
Usage or low-mileage2%
Paperless3%
Bundled (multi-policy)5–10%
Homeowner5–15%
Paid-in-full5–10%
Accident-free5%
Multi-car10–25%
Green/hybrid car10%
New car10%
Good or safe driver20%
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As you can see, some discounts—such as safe driver and multi-car—can drastically impact your car insurance premiums. Incorporating these discounts into your policy can be extremely helpful in lowering your rates.

What’s the bottom line for security and prison worker auto insurance?

The most important thing you can do when looking for a security and prison worker car insurance company is shop around.

When you compare car insurance quotes from multiple companies, you will be able to see which companies offer the best rates. You can also decide the types of coverage and how much coverage you want to include in your policy.

Just like adjusting your deductible, adjusting your coverage types and amounts could help you save money on your car insurance.

If you are searching for security and prison worker car insurance quotes, be sure to enter your ZIP code into our free tool below to get started today.

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