Best Auto Insurance for Social Workers in 2024 (Save Big With These 10 Companies!)
The winners for the best auto insurance for social workers are Geico, State Farm, and Progressive. The average monthly auto insurance cost for social workers is $151. Geico is the top choice, due to its affordable monthly premium of $82 and A++ Best rating for affordable rates and low customer complaints.
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Tim Bain
Licensed Insurance Agent
Tim Bain is a licensed insurance agent with 23 years of experience helping people protect their families and businesses with the best insurance coverage to meet their needs. His insurance expertise has been featured in several publications, including Investopedia and eFinancial. He also does digital marking and analysis for KPS/3, a communications and marking firm located in Nevada.
Licensed Insurance Agent
UPDATED: Apr 14, 2024
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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Apr 14, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
Company Facts
Average Monthly Rate For Good Drivers
A.M. Best Rating
Complaint Level
Pros & Cons
Company Facts
Average Monthly Rate For Good Drivers
A.M. Best Rating
Complaint Level
Pros & Cons
Company Facts
Average Monthly Rate For Good Drivers
A.M. Best Rating
Complaint Level
Pros & Cons
The best auto insurance for social workers are Geico, State Farm, and Progressive. Social worker auto insurance rates cost around $92 per month.
Do you work for a social work foundation and are looking to secure cheap auto insurance? Explore further details below and use our tool to compare rates.
- Social worker car insurance costs around $92 per month
- 81% of social workers are women
- Social workers’ average age in the U.S. is 43
#1 – Geico: Top Pick Overall
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Pros
- Federal employee discount: Geico extends exclusive discounts to federal employees, providing social workers with potential savings.
- Multi-policy discount: Social workers can benefit from bundling auto and other insurance policies for additional savings. You can learn more about Geico’s discounts in our Geico auto insurance review.
- Strong customer service reputation: Geico is known for its reliable customer service, ensuring a positive experience for social workers.
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Cons
- Limited local agents, primarily online service: Geico’s emphasis on online services may result in limited local agent support for social workers seeking in-person assistance.
- Rates may vary depending on location: The cost of coverage with Geico may differ based on the geographical location, potentially impacting affordability.
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#2 – State Farm: Runner Up
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Pros
- Steer Clear program for safe drivers: Social workers can participate in the Steer Clear program to earn discounts for maintaining safe driving habits. You can learn more about State Farm’s Steer Clear program in our State Farm auto insurance review.
- Strong local agent support: State Farm’s extensive network of local agents ensures personalized support for social workers.
- Excellent financial strength: State Farm’s robust financial strength provides stability and reliability for social workers.
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Cons
- Premiums may be higher than some competitors: While State Farm offers valuable programs, social workers may encounter relatively higher premiums.
- Limited online quote options: State Farm’s online quote options may be less extensive, affecting convenience for social workers seeking quick quotes.
#3 – Progressive: Best for Snapshot Program
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Pros
- Snapshot program for potential discounts: Social workers can participate in the Snapshot program to earn potential discounts based on their driving behavior. You can learn more about Progressive’s Snapshot program in our Progressive auto insurance review.
- Variety of coverage options: Progressive provides social workers with a range of coverage options to meet their specific needs.
- Strong online tools and mobile app: Progressive’s online tools and mobile app offer convenience and accessibility for social workers.
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Cons
- Rates may increase after an accident: Despite discounts, social workers may face rate increases following accidents.
- Customer service reviews are mixed: The quality of customer service may vary, impacting the overall satisfaction for social workers.
#4 – Allstate: Best for Safe Driving Program
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Pros
- Safe Driving Bonus program: Social workers can earn cashback through Allstate’s Safe Driving Bonus program for maintaining accident-free driving.
- Drivewise program for additional discounts: The Drivewise program offers social workers additional discounts based on safe driving habits. You can learn more about Allstate’s Drivewise program in our Allstate auto insurance review.
- Local agents for personalized service: Allstate’s network of local agents ensures personalized assistance for social workers.
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Cons
- Relatively higher premiums: Despite programs, social workers may find Allstate’s premiums relatively higher compared to some competitors.
- Mixed customer service reviews: The quality of customer service may vary, affecting the overall experience for social workers
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#5 – USAA: Best for Military Personnel
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Pros
- Exclusive to military and their families: Social workers with military connections can access exclusive benefits and discounts through USAA.
- Highly rated customer service: USAA is renowned for its exceptional customer service, providing top-notch support for social workers.
- Membership benefits beyond auto insurance: USAA offers a range of membership benefits beyond auto insurance, enhancing the overall value for social workers. You can learn more about USAA’s membership benefits in our USAA auto insurance review.
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Cons
- Limited eligibility to military members and their families: The exclusive availability may exclude non-military individuals seeking coverage.
- Not available to the general public: USAA is not accessible to the general public, limiting options for social workers without military connections.
#6 – Liberty Mutual: Best for Diverse Discounts
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Pros
- Affinity group discounts: Liberty Mutual offers discounts for social worker associations, providing tailored savings.
- Accident forgiveness program: Social workers benefit from an accident forgiveness program that helps maintain rates after certain incidents. You can learn more about Liberty Mutual’s accident forgiveness program in our Liberty Mutual auto insurance review.
- Comprehensive coverage options: Liberty Mutual provides a range of coverage options, ensuring social workers have the protection they need.
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Cons
- Premiums may be higher for some drivers: While offering discounts, social workers may face relatively higher premiums based on individual factors.
- Mixed customer service reviews: The quality of customer service may vary, impacting the overall experience for social workers.
#7 – Nationwide: Best for On Your Side Review
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Pros
- On Your Side Review for personalized coverage: Social workers can benefit from a personalized review to ensure their coverage aligns with their specific needs.
- Vanishing Deductible program: Nationwide’s Vanishing Deductible program provides social workers with potential cost savings over time.
- Multi-policy discounts: Social workers can save by bundling policies with Nationwide for additional discounts. You can learn more about Nationwide’s discounts in our Nationwide auto insurance review.
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Cons
- Average customer satisfaction ratings: Nationwide’s customer satisfaction ratings are average, and social workers may have varied experiences.
- Rates may be higher for certain demographics: The cost of coverage with Nationwide may be higher for social workers in specific demographics.
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#8 – Farmers: Best for Occupational Discounts
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Pros
- Occupational discounts: Farmers offers discounts specific to occupations, potentially providing social workers with cost savings. You can learn more about Farmers’ discounts in our Farmers auto insurance review.
- Diverse coverage options: Social workers can choose from various coverage options to tailor their policies to their specific needs.
- Farmers Rewards Program: The Farmers Rewards Program offers additional benefits for social workers.
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Cons
- Rates may be higher for some drivers: Despite discounts, social workers may encounter relatively higher rates based on individual factors.
- Limited digital tools compared to competitors: Farmers’ digital tools may be less advanced compared to some competitors, affecting convenience for social workers.
#9 – Travelers: Best for Extensive Coverage Options and Discounts
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Pros
- Personalized coverage options: Social workers can tailor their coverage to specific needs, ensuring a personalized approach.
- IntelliDrive program for safe drivers: Travelers’ IntelliDrive program rewards safe driving habits, potentially leading to discounts. You can learn more about Travelers’ IntelliDrive program in our Travelers auto insurance review.
- Competitive rates: Social workers benefit from competitive rates while maintaining personalized coverage.
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Cons
- Limited local agent availability: Travelers’ local agent network may be more restricted, potentially impacting the availability of in-person support.
- Mixed customer reviews: Customer reviews are mixed, and social workers may have varied experiences with Travelers’ service.
#10 – Esurance: Best for DriveSense Program
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Pros
- DriveSense program for potential discounts: Social workers can participate in Esurance’s DriveSense program for potential discounts based on driving behavior. You can learn more about Esurance’s DriveSense program in our Esurance auto insurance review.
- Easy online tools: Esurance’s user-friendly online tools provide convenience for social workers managing their policies.
- Competitive rates for certain demographics: Esurance offers competitive rates for specific demographics, providing potential cost savings.
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Cons
- Limited local agent support: Esurance’s emphasis on online services may result in limited local agent support for social workers seeking in-person assistance.
- Mixed customer service reviews: Customer service reviews are mixed, impacting the overall satisfaction for social workers.
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Does being a social worker affect your auto insurance rates?
Which group pays the most for auto insurance? Does being a social worker negatively impact your auto insurance premiums?
Insurance companies spend money to do a thorough risk analysis when calculating your rates. They look at every aspect of the average driver’s daily life and then compile a list to see how data, lifestyle, and behaviors can all make someone more likely to file a claim.
Therefore, your occupation can affect your auto insurance rates if it puts you at more of a risk of getting into a car accident. Just as life insurance is more expensive for those with dangerous jobs, your car insurance works in similar ways.
In other words, higher-risk drivers receive higher auto insurance premiums.
Fortunately, social workers are perceived as responsible, low-risk drivers. Take a look at some national social worker statistics in the table below.
Social Worker Overview | Data |
---|---|
Total number of social workers in the US | 850,907 |
Average annual auto insurance rates | $1,812 |
Average annual salary | $46,285 |
Average age of social workers | 43-years-old |
Percent of social workers by gender | 81% female 19% male |
The average social worker appears to be a woman around age 43. When you consider what factors influence how much a person pays for automobile insurance, the average social worker is apt to receive very competitive auto insurance premiums.
Read More: Average Auto Insurance Rates by Age
For example, women often receive cheaper premiums than their male counterparts. Why do men pay more than women on auto insurance? Statistically, men are responsible for more accidents, a trend that has taken place since 1975, according to the Insurance Institute for Highway Safety.
Only seven states ban using gender as a means for calculating auto insurance rates: California, Hawaii, Massachusetts, Montana, Pennsylvania, North Carolina, and Michigan.
Similarly, the social worker average age is also an asset. Drivers under the age of 25 receive some of the highest average auto insurance quotes. Because younger drivers are inexperienced, insurance companies perceive them as being higher-risk to insure.
Are social workers statistically safer drivers?
The social worker network is vast, and there are many different social work organizations that one could work for. To better understand why your day job as a social worker might affect your auto insurance rates, we have to understand what a social worker actually does.
Some social workers work with children in schools. Healthcare social workers assist people as they transition their lives to deal with different diseases and diagnoses. However, according to DataUSA, the majority of social workers are employed by individuals and families.
Is being a social worker stressful? It certainly can be. However, statistically, social workers are not involved in a notable amount of car accidents. This is a major reason why social workers do not struggle to find affordable auto insurance rates.
While driving on the job is common, social workers do not drive substantially more than average.Daniel Walker Licensed Auto Insurance Agent
Higher-risk occupations include truck drivers or even journalists and reporters, all of whom are on the road far more often than social workers and are therefore more likely be involved in car accidents.
Read More: Auto Insurance for Different Types of Drivers
Since social workers must attend college, graduate with a degree, and pass a licensing test to work in most states, social workers are seen as disciplined and detail-oriented professionals by insurance companies.
What challenges do social workers face in terms of auto insurance?
One challenge social workers may face when finding auto insurance quotes is connected to income level. While companies cannot specifically use your annual salary as a means for determining auto insurance rates, it appears that some might make best-guess estimates depending on the job title you provide on your application.
A social worker’s average salary is $46,285, which does fall below the national average of $53,888.
Another challenge social workers face in terms of auto insurance has to do with driving on the job. While personal auto policies will protect you when you’re driving your own car, there are a lot of exclusions if you use that vehicle for business-related purposes. If you are a social worker who does a lot of commercial driving but do not have a company car, knowing these exclusions is extremely important.
Commercial driving for social workers includes making home visits or transporting clients to and from various meetings or scheduled activities. There is a chance that your personal auto insurance policy will not cover you during these circumstances should an accident occur.
Read More: Commercial Auto Insurance
If you’re a social worker, make sure you understand how to get a commercial auto insurance policy and are aware of the differences between what your personal policy will cover, and what only commercial policies protect.
How Usage Affects Auto Insurance Rates for Social Workers
Being a member of a social workers club and having access to a social work portal is not enough to get you cheap auto insurance rates. How you use your car is one of the largest determining factors in terms of car insurance premiums.
For example, if you have a messy driving record with too many speeding tickets and at-fault accidents on your record, your rates are going to be much higher than average, whether you’re a social worker or not.
Read More: At-Fault Accident Defined
The table below looks at how traffic violations can impact your auto insurance rates.
Sports Car Auto Insurance Rates by Driving Record
Insurance Company | Clean Record | One Accident | One Speeding Ticket | One DUI |
---|---|---|---|---|
AAA | $250 | $400 | $320 | $600 |
Allstate | $222 | $356 | $280 | $520 |
American Family | $200 | $350 | $250 | $400 |
Erie | $230 | $380 | $300 | $550 |
Farmers | $271 | $390 | $320 | $650 |
Liberty Mutual | $278 | $420 | $350 | $720 |
Nationwide | $200 | $350 | $250 | $450 |
Progressive | $280 | $450 | $380 | $700 |
State Farm | $150 | $300 | $200 | $400 |
Travelers | $250 | $400 | $320 | $600 |
Too many traffic violations could even mean major companies will refuse to insure you altogether. Fortunately, if you only have one or two minor violations, you can ask companies about accident forgiveness programs. If you’re a social worker with a perfect driving record, be sure to apply for safe driver discounts.
Read More: What is accident forgiveness?
Other vehicle usage factors to keep in mind when searching for cheap auto insurance rates is the average number of miles you drive. If you usually use public transportation when commuting for your social worker job, see if you qualify for low-mileage discounts. Even for social workers, applying for discounts and comparing quotes from as many different companies as possible will lead to low auto insurance rates.
Read More: How To Get a Low Mileage Auto Insurance Discount
Discount Type Description
Auto-Pay By setting up automatic premium payments, social workers may qualify for a discount on their auto insurance.
Defensive Driving By completing an approved defensive driving course, social workers may qualify for a discount on their auto insurance premiums.
Federal Employee This discount is available to social workers who are federal government employees, providing them with potential savings on their auto insurance premiums.
Good Student Social worker students who achieve good grades may be eligible for a discount on their auto insurance premiums.
Loyalty Long-term customers, including social workers, may enjoy discounts as a loyalty reward for maintaining their policies with the same insurer.
Multi-Policy Social workers can benefit from lower rates by bundling multiple insurance policies, such as auto and home insurance, with the same provider.
Occupation-Based Insurance providers may offer specific discounts tailored for social workers and other professionals in recognition of their occupation.
Pay-in-Full Social workers can receive a discount by paying the entire policy premium upfront rather than opting for monthly payments.
Safe Driver Social workers maintaining a clean driving record can enjoy lower insurance rates as a reward for their safe driving habits.
Safety Equipment Social workers with vehicles equipped with safety features may qualify for reduced insurance rates, recognizing the added safety measures.
Whether you’re looking for independent social worker insurance for your vehicle, or if you’re a member of the National Association of Social Workers Inc., you’re going to need to shop around to find the best auto insurance rates.
Ready to buy social worker car insurance? Finding auto insurance for care workers does not have to be a hassle. Compare rates now.
Frequently Asked Questions
Do social workers need specific auto insurance?
Social workers typically need personal auto insurance like any other driver. However, depending on their work activities, they may require additional coverage options, such as liability coverage for transporting clients or professional liability insurance to protect against claims related to their professional services. It’s important to discuss specific job-related needs with an insurance professional.
Are there any auto insurance discounts available for social workers?
Yes, social workers may be eligible for certain auto insurance discounts. These can include occupational discounts for professionals, safe driver discounts, or affiliation discounts if they belong to specific organizations or associations. It’s recommended to inquire with insurance providers to explore available discounts for social workers.
Does using a personal vehicle for work purposes impact auto insurance coverage?
If social workers use their personal vehicle for work purposes, such as transporting clients or visiting different locations, it may impact their auto insurance coverage. It’s important to inform the insurance provider about the vehicle’s use to ensure appropriate coverage. Additional coverage options, such as hired and non-owned auto coverage, may be necessary to protect against potential work-related incidents.
Can social workers add additional liability coverage to their auto insurance policy?
Yes, social workers can typically add additional liability coverage to their auto insurance policy if they need higher limits. This can provide extra financial protection in case of accidents where they may be held liable for damages or injuries. It’s advisable to discuss specific coverage needs with an insurance professional to determine appropriate limits.
What should social workers consider when selecting auto insurance coverage?
When selecting auto insurance coverage, social workers should consider factors such as:
- Usage: Assess how often the vehicle will be used for work-related purposes and ensure appropriate coverage.
- Liability limits: Evaluate liability coverage limits to ensure they provide adequate protection based on individual needs and potential risks.
- Additional coverage: Consider options like uninsured/underinsured motorist coverage or medical payments coverage for comprehensive protection.
- Discounts: Inquire about available discounts for social workers to help reduce insurance premiums.
Can social workers be covered under their employer’s insurance policy?
It depends on the employer and their insurance policies. Some employers may provide coverage for social workers using their personal vehicles for work purposes under the employer’s commercial auto insurance policy. However, it’s important to verify with the employer and review the policy details to ensure proper coverage.
What is non-owned auto insurance coverage, and do social workers need it?
Non-owned auto insurance coverage provides liability protection when driving a vehicle that is not owned by the insured. Social workers who frequently use vehicles that are not their own, such as rental cars or clients’ vehicles, may benefit from non-owned auto insurance coverage. This coverage helps protect against potential liability claims arising from accidents while driving these vehicles.
How much is auto insurance for social workers per month?
Social workers can expect to pay a monthly rate of $151 for auto insurance.
Which company stands out as the best for auto insurance for social workers?
Our top choice for auto insurance for social workers is Geico.
What percentage of social workers are women?
Women make up 81% of the social work profession. Females frequently secure more affordable premiums compared to their male counterparts.
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Tim Bain
Licensed Insurance Agent
Tim Bain is a licensed insurance agent with 23 years of experience helping people protect their families and businesses with the best insurance coverage to meet their needs. His insurance expertise has been featured in several publications, including Investopedia and eFinancial. He also does digital marking and analysis for KPS/3, a communications and marking firm located in Nevada.
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.