Auto Insurance for Engineers

Discounted auto insurance rates may exist for engineers if they are part of a professional organization. Average auto insurance rates for engineers are around $151/mo.

Free Auto Insurance Comparison

 Secured with SHA-256 Encryption

Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

Full Bio →

Written by

Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like and Safeco. He reviews content, ensuring that ex...

Full Bio →

Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Oct 7, 2020

Advertiser Disclosure

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.

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.

Things to remember...

  • Your occupation affects the amount of premium you’ll pay for your car insurance
  • People in various occupations and professional bodies attract certain discounts
  • Engineers are considered low-risk professionals and attract lower insurance rates
  • There are several other factors that affect auto insurance rates including credit history, driving record, and type of car

Did you know that the job that brings food to your table could save you some cash on car insurance? Now you know.

When perusing through claims data, insurance providers have noticed that certain professional fields record fewer claims than others. The firms, therefore, take into account educational background and occupation when setting car insurance rates.

Many insurance companies don’t advertise these facts but they consider them when rating various categories of customers. A few insurers, however, offer flat rates for all categories of clients, but you can expect the rates to be a little bit higher than average.

Engineers present a lower level of risk and their discount is designed to reflect that. Car insurance rates will vary from company to company and from state to state.

It’s important to make several online comparisons to get the most appropriate coverage at a reasonable price. Use our free comparison tool today to find the best rate.

Car Insurance Discounts for Engineers


Like science and mathematics, engineering studies are quite demanding and the students who pull through settle in well-paying careers. A bachelor’s or higher degree in engineering will qualify you for discounts as much as 18 percent.

That why engineers enjoy some of the best car insurance rates in the country.

Insurance companies work out their rates based on risk levels. They make maximum profits when the members make no claims. Statistics have indicated that engineers make minimal claims as compared to people from other professions.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

High-Risk Vs. Low-Risk Drivers

Drivers that are categorized as high-risk are more likely to cause accidents and subsequently make claims. These categories of drivers attract high premium rates to leverage the insurance firms on the high amounts of claim they’ll have to settle.

Motorists with low-risk status, however, are less likely to get involved in accidents and will certainly not make any claims.

The insurance companies then pass down the profits they make to such members by offering high discounts and consequently lower premium rates.

Engineering is considered a high-income occupation. Customers in this category are less likely to file claims even if they get involved in minor accidents.

They prefer to settle the small repairs from their pockets to avoid the tedious claim process and the time they would waste through the evaluation process.

The low-income motorist, on the other hand, will file claims under any circumstances even with minor damages.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Nature of Work

Different occupations bring different work-related pressures. Salesmen and lawyers are engaged in high-pressure activities that submit them to high levels of anxiety and stress. Stress increases their likelihood of causing accidents.

Some jobs demand that you’ll spend several hours on the road driving from one workstation to another. The more time you spend on the road, the higher your chances of causing accidents. Such jobs will attract higher premium rates.

Engineers generally spend long periods of time at the workstation and may only travel to the site in the morning and leave in the evening resulting in lower rates.

Other Factors Considered when Determining Rates


Many factors that affect auto insurance rates take individual situations:

  • Miles drove
  • Driving history
  • Where you live
  • Type of car you drive
  • Your age and gender

The number of hours you spend the road, for instance, depends on the proximity of your home to the workstation, rather than your career.

Your driving history plays a big role in determining how much premium you’ll pay. If you have a history of claims, tickets, and accidents, your rates will radically increase and overtake the discounts you’ll have earned by belonging to a professional body.

Most insurers will check your driving record over the last three years and make a determination on your risk levels.

Your place of residence also affects your auto insurance rates. Areas prevalent in crime attract high premium rates while safe havens will result in lower rates. This is due to the high risks of vandalism and car theft in high crime neighborhoods.

Some vehicles are also listed by the insurance companies as “the most stolen cars.” If your make and model fall into that category, you will most likely pay more for your insurance.

Many insurance companies also consider gender and age when computing rates. Young drivers aged below 25 years are considered high-risk drivers and will pay more in premiums. Younger males have also considered a higher risk as compared to their female counterparts.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

How to Save Money on Premiums


As an engineer, you will enjoy high discounts from insurance forms based on your career. However, there are several other measures you should take to ensure your premiums are as low as possible.

Before purchasing any policy, get as many online quotes as possible and choose a plan that offers the most coverage at reasonable costs.

  • Multi-policy – If your insurer offers numerous insurance products, it would be wise to consider multiple policies like a car, home, life, and health insurance to enjoy maximum discounts.
  • Lump-sum – Insurance companies usually offer discounts on lump-sum premium payments. If you’re capable of settling one year’s premiums upfront, you’ll get some good discounts from your insurer and save more money.
  • Automatic withdrawal – You can also consider signing up for automatic premium deduction from your bank account to enjoy good discounts.
  • Safety features – Consider installing safety features like alarms and car tracking devices on your vehicle to improve security. Check with your insurance agent and know which features are insurer-approved and will attract discounts.
  • Minimum requirement – Though it’s not recommended, if you’re not able to afford collision or comprehensive covers, you can opt for liability insurance which is the minimum cover required in most states.
  • Safe driver course – Take a safe driver course and submit the certificates to your insurer to enjoy discounts. Make online comparisons and see if your insurer provides such discounts.

Engineers enjoy some of the best auto insurance rates in the market. To improve your savings, even more, take your time to shop around and compare quotes from various reputable insurers.

Ask about the discounts that you qualify for and make a plan that best suits your needs. If there is a lien on your auto insurance, the bank may require you to take full coverage to ensure the safety of their investment in case of an accident.

Compare car insurance quotes today using our free tool.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption