Is your auto insurance cost going up because of your job title?

Job titles have an impact on how much your auto insurance will cost

We identify the ones that might raise the cost of your policy by hundreds of dollars.

After hitting an all-time high of 995 in the fourth quarter of 2023, the price of auto insurance has since fallen.

According to comparison website ConfusedDot.com, the average price of auto insurance in 2024's fourth quarter was 834.

Car insurance rates are still far higher than they were before the pandemic, despite a sharp yearly drop of 161 (-16 percent).

Numerous factors, such as your age, residence, and history of claims, may raise your total auto insurance premiums. However, were you aware that the premium could also be affected by your job title?

Few people might anticipate that their occupation will affect the cost of their auto insurance, but studies have indicated that certain job titles can have an impact on quotes and may not be advantageous.

We examine which job titles might be driving up your premiums and how to reduce your auto insurance premiums without upsetting your insurer.

Which occupations result in the highest increases in auto insurance premiums?

Go's study. In 2024, a comparison revealed that the cost of auto insurance is substantially higher for those with specific job titles than for others.

Manual laborers were among the hardest hit, with premiums being higher for engineers, roofers, floor layers, and construction workers.

Get going. According to Compare, insurance companies may justify this by pointing out that all of these jobs will probably require a lot of driving as they travel to residential addresses and construction sites, increasing the likelihood that a claim will be filed.

Go's spokesperson for auto insurance is Tom Banks. "You may see higher insurance premiums if your job usually involves a lot of driving or if the nature of the work presents additional risks," the statement read.

On the other hand, you might find that your auto insurance costs are lower if your line of work doesn't typically require much driving or any overt risk.

We examine the job title that might increase your expenses.

Citation: Go. Compare the data that was released on May 02, 2025.

Although it isn't technically a profession, retirees pay the lowest rates for auto insurance, with an average yearly premium of just £319.

Is it possible to lower insurance rates by changing your job title?

If you find a different description that better fits your role, it might be worthwhile to compare quotes for both occupations and determine which is less expensive, even though you shouldn't lie about your work.

For instance, according to an online tool from MoneySavingExpert, if you are a journalist, you can pay much lower premiums if you change your job title to Editorial Staff. However, if you choose to use the title of Newsreader, you may have to pay nearly twice as much.

Similarly, if you work as a roofer, you might be able to lower your auto insurance rates by changing your job title to laborer.

When doing this, extreme caution is crucial. Your auto insurance coverage may be void if the job title on your policy is not appropriate for your position. Because of this, you might have to cover the entire cost of repairs out of pocket if you attempt to file a claim.

You will also have to disclose that you have had an insurance policy revoked when you arrange for other financial products in the future, which will have an additional financial impact. This may indicate that they are more costly or even result in financial institutions rejecting your application completely.

Therefore, before you change your job title, make sure it still accurately describes what you do, albeit in different words, by using common sense.