Auto Insurance for Mechanics

Even if you're a mechanic, you're still going to be required to have auto insurance on your vehicles. It may be easier to find insurance for mechanics than you would think. Progressive Commercial offers insurance for mobile mechanic businesses and shop owners. Personal auto insurance rates for mechanics start around $157.98/mo.

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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...

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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...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Dec 20, 2021

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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.

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Things to remember...

  • Consider purchasing car insurance coverage above state minimums
  • You should be able to save some money on car repairs if you can do the work yourself
  • You can find affordable premiums by comparing quotes and determining what you actually need

Finding auto insurance for mechanics is easier than you might think. Forget about the fact that you’re a mechanic for a moment. You are still obligated to have insurance — and meet state requirements.

You still need to find a policy that provides you with sufficient coverage. However, because of being able to do some repairs on your own, you might decide to reduce the limits in some areas — or forego certain areas of coverage. While your service may be top quality, there are risks involved with not having insurance. These risks can include damage done to your personal property, as well as yourself or any passengers you may have while you’re driving.

Compare car insurance quotes to find the best rate for the coverage you want.

Requirements for Auto Insurance


As a mechanic, you might be a good driver. You might also be able to handle virtually all of your own repairs. However, there is still mandatory insurance in place. This means that you still have to meet the state requirements for having a policy.

You will have to maintain what the state requires. This requirement includes liability for bodily injury as well as property damage.

Depending on the state, you might also be required to have personal injury protection (PIP) and uninsured motorist coverage.

If you are buying or leasing a car, you might have to have what the lienholder requires as well. Usually, they require the following:

  • Collision coverage
  • Comprehensive coverage

However, many mechanics choose to have older cars or ones that are completely paid off because of the ability to make the repairs on their own.

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Coverage Areas to Explore


When you’re shopping for auto insurance, you have to look at what you can and cannot do on your own. This understanding will make it easier to look at the coverage levels that will help you out the most.

Bodily Injury

If you get involved in an accident and someone else gets hurt, you need bodily injury protection. This type of coverage is required by the state.

You might want to increase coverage limits so you don’t have to pay out of pocket. No matter how good of a mechanic you are, this is not an area where you can help yourself out.

Property Damage

You need to look at property damage as well. While you might be able to fix your own car, what about the other person’s car? There might be other damage, too, such as damaging non-vehicular property that needs to be covered within the total cost of the accident.

Personal Injury

Personal injury covers any of your own injuries from an accident. If you’re a safe driver and have your own medical insurance, this might be an area to skip. However, it’s best to have coverage in place to cover the various “what if” scenarios that could occur.


With comprehensive coverage, this is going to cover non-driving related scenarios.

Hail damage, shopping cart damage, and more fall into this category. If you know how to replace windshields and do your own bodywork, it might be easier to leave this area off and provide your own repairs as opposed to spending the money with an insurance company.


Collision coverage is going to take care of your car after crashes. These covered crashes include everything from vehicle collisions to damages to your vehicle hitting a guardrail, a mailbox, or anything else.

Again, if you can make your own body repairs and mechanical repairs, it might be easier to do it on your own than having to pay the added expense on your monthly premiums.

It’s best to add in the comprehensive and collision coverage to a policy quote to see how much it’s going to cost you per month.

If it’s not a lot, then you might want to have the added protection. If it’s more than what you can afford, omit it knowing you can take care of it on your own.

Options to Keep Premiums Affordable


Insurance companies form their quotes based on the cost of car repairs. The more it will cost to repair your car, the more it will cost you in insurance premiums. Since you know how to do many of the repairs, then it’s going to help you save money.

One of the biggest ways to save money on your premiums is to go with a higher deductible. The higher the deductible, the less it will cost on monthly premiums.

The deductible will only come into play if you get involved in an accident and need the insurance company to make the repairs. You would have to pay the deductible out-of-pocket before the insurance company would spend any money on fixing your car.

In addition to the deductible, you need to look at other ways to keep premiums affordable. This includes looking at some discounts that might apply to you, such as:

  • Being a homeowner
  • Being a safe driver
  • Multi-policy discounts

When you get quotes online from multiple insurance companies, it allows you to save time and money. You don’t have to call all of the insurance companies separately. Instead, determine the coverage you want and let a website get the quotes for you.

In the end, as a mechanic, you can find affordable car insurance. Take the time to determine how much coverage you really need. From there, get quotes, make comparisons, and take advantage of a policy that provides you with just the level of coverage you need – no more, no less.

Compare car insurance quotes right here by entering your zip code below.

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