Auto Insurance for Mechanics

Mechanics need car insurance to drive legally in their state. Here's what you need to know about car insurance for mechanics

Free Auto Insurance Comparison

secured lock Secured with SHA-256 Encryption

Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

Full Bio →

Written by Rachel Bodine
Feature Writer Rachel Bodine

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 Reviews.com and Safeco. He reviews content, ensuring that ex...

Full Bio →

Reviewed by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker

UPDATED: Jun 20, 2022

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...

  • Mechanics need car insurance to drive legally in their state
  • Some mechanics may choose higher deductibles or purchase less coverage because they can do repairs on their vehicles
  • Comparing quotes online will allow you to find the cheapest options for car insurance

Most people assume that mechanics can fix anything and everything associated with a car. And while this may be true, mechanics are responsible for purchasing car insurance just like everyone else who drives in the U.S.

Along with tool insurance for mechanics, auto insurance is just as important. A car insurance policy protects a mechanic from liability associated with a car accident, and the right coverage can also protect the mechanic’s car. 

Some mechanics may only purchase their state’s minimum car insurance coverage requirements because they know they can fix issues on their vehicle. But plenty of mechanics understand the value of a full coverage policy.

Do mechanics need car insurance?

If a mechanic owns and operates a vehicle, they are responsible for purchasing car insurance. But it depends on where you live as to how much insurance you are required to buy to meet your state’s laws. 

States have different regulations regarding how much auto insurance you need on your car. And while all states require some liability coverage, some states also require drivers to purchase personal injury protection (PIP), medical payments (MedPay), and uninsured or underinsured motorist coverage.

The table below shows the types and amounts of coverage required in each state in the U.S.

Minimum Auto Insurance Liability Requirements by State
StatesCoverage TypesCoverage Limits
AlabamaBodily injury and property damage liability25/50/25
AlaskaBodily injury and property damage liability50/100/25
ArizonaBodily injury and property damage liability15/30/10
ArkansasBodily injury and property damage liability; personal injury protection25/50/25
CaliforniaBodily injury and property damage liability15/30/5
ColoradoBodily injury and property damage liability25/50/15
ConnecticutBodily injury and property damage liability; uninsured/underinsured motorist protection25/50/20
DelawareBodily injury and property damage liability; personal injury protection25/50/10
Washington, D.C.Bodily injury and property damage liability; uninsured/underinsured motorist protection25/50/10
FloridaProperty damage liability and personal injury protection10/20/10
GeorgiaBodily injury and property damage liability25/50/25
HawaiiBodily injury and property damage liability; personal injury protection20/40/10
IdahoBodily injury and property damage liability25/50/15
IllinoisBodily injury and property damage liability; uninsured/underinsured motorist protection25/50/20
IndianaBodily injury and property damage liability25/50/25
IowaBodily injury and property damage liability20/40/15
KansasBodily injury and property damage liability; personal injury protection25/50/25
KentuckyBodily injury and property damage liability; personal injury protection; uninsured/underinsured motorist protection25/50/25
LouisianaBodily injury and property damage liability15/30/25
MaineBodily injury and property damage liability; uninsured/underinsured motorist coverage; medical payments50/100/25
MarylandBodily injury and property damage liability; personal injury protection; uninsured/underinsured motorist coverage30/60/15
MassachusettsBodily injury and property damage liability; personal injury protection20/40/5
MichiganBodily injury and property damage liability; personal injury protection20/40/10
MinnesotaBodily injury and property damage liability; personal injury protection; uninsured/underinsured motorist coverage30/60/10
MississippiBodily injury and property damage liability25/50/25
MissouriBodily injury and property damage liability; uninsured/underinsured motorist coverage25/50/25
MontanaBodily injury and property damage liability25/50/20
NebraskaBodily injury and property damage liability; uninsured/underinsured motorist coverage25/50/25
NevadaBodily injury and property damage liability25/50/20
New HampshireFinancial responsibility only25/50/25
New JerseyBodily injury and property damage liability; personal injury protection; uninsured/underinsured motorist coverage15/30/5
New MexicoBodily injury and property damage liability25/50/10
New YorkBodily injury and property damage liability; personal injury protection; uninsured/underinsured motorist coverage25/50/10
North CarolinaBodily injury and property damage liability; uninsured/underinsured motorist coverage30/60/25
North DakotaBodily injury and property damage liability; personal injury protection; uninsured/underinsured motorist coverage25/50/25
OhioBodily injury and property damage liability25/50/25
OklahomaBodily injury and property damage liability25/50/25
OregonBodily injury and property damage liability; personal injury protection; uninsured/underinsured motorist coverage25/50/20
PennsylvaniaBodily injury and property damage liability; personal injury protection15/30/5
Rhode IslandBodily injury and property damage liability25/50/25
South CarolinaBodily injury and property damage liability; uninsured/underinsured motorist coverage25/50/25
South DakotaBodily injury and property damage liability; uninsured/underinsured motorist coverage25/50/25
TennesseeBodily injury and property damage liability25/50/15
TexasBodily injury and property damage liability; personal injury protection30/60/25
UtahBodily injury and property damage liability; personal injury protection25/65/15
VermontBodily injury and property damage liability; uninsured/underinsured motorist coverage25/50/10
VirginiaBodily injury and property damage liability; uninsured/underinsured motorist coverage25/50/20
WashingtonBodily injury and property damage liability25/50/10
West VirginiaBodily injury and property damage liability; uninsured/underinsured motorist coverage25/50/25
WisconsinBodily injury and property damage liability; uninsured/underinsured motorist coverage; medical payments25/50/10
WyomingBodily injury and property damage liability25/50/20

Compare RatesStart Now →

While insurance companies often help policyholders ensure they meet their state’s requirements for coverage, it is ultimately each driver’s responsibility to carry the proper coverage before getting behind the wheel.

Free Auto Insurance Comparison

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

secured lock Secured with SHA-256 Encryption

Do mechanics need full coverage on their vehicles?

It is advisable that drivers who own cars less than 10 years old should consider purchasing a full coverage policy to ensure they are taken care of if they’re ever in an accident. 

Full car insurance coverage includes both collision insurance which covers accident-related damage to your vehicle and comprehensive insurance which covers theft, vandalism, damage from inclement weather, and other non-accident-related damage.

While a full coverage policy is extremely helpful, full coverage on a vehicle can be costly. The table below compares the cost of liability coverage with a full coverage policy in each state.

Average Annual Liability and Full Coverage Auto Insurance Rates by State
StatesAverage Annual
Liability Auto Insurance Rates
Average Annual Full Coverage Auto Insurance Rates
Alabama$394.21$868.48
Alaska$539.68$1,027.75
Arizona$508.76$972.85
Arkansas$394.13$906.34
California$489.66$986.75
Colorado$520.04$981.64
Connecticut$650.94$1,151.07
Delaware$799.30$1,240.57
District of Columbia$628.82$1,330.73
Florida$857.64$1,257.13
Georgia$557.38$1,048.40
Hawaii$458.54$873.28
Idaho$344.29$679.89
Illinois$446.72$884.56
Indiana$382.68$755.03
Iowa$299.18$702.46
Kansas$358.24$862.93
Kentucky$529.21$938.51
Louisiana$775.83$1,405.36
Maine$338.87$703.82
Maryland$609.74$1,116.45
Massachusetts$606.04$1,129.29
Michigan$795.32$1,364
Minnesota$456.82$875.49
Mississippi$460.50$994.05
Missouri$415.88$872.43
Montana$386.29$863.52
Nebraska$364.64$831.02
Nevada$681.56$1,103.05
New Hampshire$400.56$818.75
New Jersey$869.57$1,382.79
New Mexico$488.03$937.59
New York$804.51$1,360.66
North Carolina$359.42$789.09
North Dakota$298.18$773.30
Ohio$397.11$788.56
Oklahoma$461.01$1,005.32
Oregon$584.13$904.83
Pennsylvania$499.06$970.51
Rhode Island$759.80$1,303.50
South Carolina$527.09$973.10
South Dakota$300.22$766.91
Tennessee$413.91$871.43
Texas$528.75$1,109.66
Utah$497.53$872.93
Vermont$343.12$764.02
Virginia$425.61$842.67
Washington$596.67$968.80
West Virginia$491.83$1,025.78
Wisconsin$374.37$737.18
Wyoming$321.04$847.44
National Average$538.73$1,009.38
Get Your Rates Quote Now

Compare RatesStart Now →

Because full coverage can cost more than double what liability costs, it makes sense that plenty of people want to avoid purchasing a full coverage policy.

Mechanics, of all people, are the most likely group to be able to go with a liability policy and not worry. After all, mechanics can probably fix most issues with or damage to their vehicles. But going without full coverage on car insurance isn’t the only way to find affordable options.

How much is car insurance for mechanics?

The amount you pay for auto insurance will depend on several different factors, including:

  • Age
  • Gender
  • Marital status
  • Occupation
  • Driving history
  • Credit score
  • Car make and model
  • ZIP code

Some insurance companies consider a person’s career when determining monthly and annual auto insurance rates. However, for most insurance companies, mechanics sit right in the middle of the pack when determining risk.

But a mechanic’s job often includes regular hours and doesn’t typically involve long hours without proper sleep. For these reasons, mechanics are likely considered somewhat of a risk but not a high risk.

Auto insurance rates for mechanics also depend on the coverage a mechanic chooses to purchase. Coverage type is arguably essential in determining a mechanic’s car insurance rates. Mechanics could spend anywhere from a few hundred dollars a year to $5,000 annually, depending on the coverage they have on their policy.

How can mechanics save money on car insurance?

Besides purchasing a low-coverage policy, mechanics can save money on car insurance by choosing a higher deductible or shopping online for quotes.

Because mechanics can handle many car repairs independently, they may want to choose a higher car insurance deductible and save money on their monthly premiums. However, this would mean they would have to pay more money if they ever decided to file a claim with their insurance company.

Mechanics can also save money by shopping online and comparing quotes from multiple insurance providers. This would allow them to see which companies are willing to provide them with the coverage they need at a price that works with their budget.

Free Auto Insurance Comparison

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

secured lock Secured with SHA-256 Encryption

Mechanic Car Insurance: The Bottom Line

You must have a car insurance policy if you are a mechanic and own a car. While you only need to meet your state’s minimum liability requirements to drive legally, you should consider purchasing additional coverage to ensure you are covered in an accident.

Choosing a higher deductible on your policy or comparing car insurance quotes can help you lower your monthly or annual premiums for auto insurance coverage.

Free Auto Insurance Comparison

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

secured lock Secured with SHA-256 Encryption