How to Get an Occupation Discount

Save up to 15% on your auto insurance with an occupation discount. Car insurance companies offer discounts for professions that statistically have a lower risk of accidents, such as accountants, first responders, and doctors. Even if you don’t qualify for occupation discount auto insurance rates, you can still take advantage of the various auto insurance discounts offered to lower your rates.

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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: Jul 30, 2021

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Things to Remember

  • Your job can save you up to 15% on your auto insurance rates
  • An occupation discount is not available to everyone or offered by every auto insurance company
  • Auto insurance companies offer a discount to drivers in occupations that statistically have lower accident rates

It might surprise you to learn that you can get car insurance discounts based on your job. Many companies offer drivers occupation discounts on auto insurance of up to 15%.

However, not all companies offer affordable auto insurance with an occupation discount. Read our discount guide to learn more about how to qualify for an occupation discount on car insurance and which providers offer these savings.

Even if your occupation doesn’t earn you an auto insurance discount, you can still find low rates. Shop around and compare quotes to see which company can offer you great rates with the best discounts.

Enter your ZIP code now to compare free quotes from auto insurance companies in your area.

What occupation gets you cheaper auto insurance?

Many professions that receive an occupation discount are community-based. You will generally see more car insurance discounts for healthcare workers, teachers, and first responders.

For example, teachers, health care workers, auto mechanics, and first responders typically live in or near the community they serve. This results in fewer miles driven and time on the road.

Drivers who don’t qualify for occupation discounts can sometimes find other membership or group discounts from unions, societies, or alumni groups.

Some occupations may require commercial auto insurance. If you use your car for business purposes, you might need a commercial policy. For example, if you are a salesperson on the road all of the time or a food delivery driver, consider asking about occupation discounts on commercial auto insurance.

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What companies offer an occupation discount on auto insurance?

While most insurers offer discounts, not all auto insurance companies offer occupation discounts.

This table shows you the best companies and whether they offer a discount based on your occupation. The amount of the discount is listed if known.

Available Auto Insurance Occupation Discount By Company
Auto Insurance CompanyAvailable Occupation Discount (%)
21st CenturyN/A
American FamilyN/A
Ameriprise (Connect)N/A
Country FinancialX
Liberty Mutual10%
Safe AutoN/A
State FarmN/A
The GeneralN/A
The HanoverX
The HartfordX
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Some companies offer discounts that aren’t listed as occupational. For example, GEICO offers a discount to members of the military, and multiple companies offer a federal employee discount.

What is an occupation discount?

An occupation discount is just like it sounds. It’s a discount based on which job you have. Some jobs earn a discount, and others do not.

You can save up to 15% on your auto insurance rates with an occupation discount. However, not all jobs will get the same discount amount.

Although some insurance companies offer a discount based on your level of education, that doesn’t mean it automatically offers an occupation discount as well. Auto insurance companies are all about risk. The higher the risk, the higher the rate.

Certain occupations have less risk than others when it comes to auto insurance. Companies offer discounts to drivers whose occupations statistically have fewer auto accidents, drive less mileage, or are seen as more responsible.

What other factors affect your auto insurance rates?

Occupation is just one of the factors that affect auto insurance rates. Your age, gender, driving history, ZIP code, and even credit report can impact how much you pay for auto insurance.

To keep your car insurance rates as low as possible, keep your driving record clean by avoiding accidents, tickets, and DUIs. Improving your credit score and buying a car that is cheaper to insure will also save you money.

What are other ways to save on your auto insurance?

Auto insurance companies love to offer discounts, but not all insurance companies offer the same discounts. Knowing how to get discounts on car insurance can really save you money.

This table lists common auto insurance discounts from some of the most popular auto insurance companies. If the amount of the discount is known, it is listed.

Auto Insurance Discounts By Company
Auto Insurance DiscountsAllstate (%)American Family (%)Farmers (%)GEICO (%)Liberty Mutual (%)Nationwide (%)Progressive (%)State Farm (%)Travelers (%)USAA (%)
Adaptive Cruise ControlN/AN/AN/AN/A5xxN/AN/AN/A
Adaptive HeadlightsN/AN/AxN/A5xxN/AN/AN/A
Anti-lock Brakesxxx555x5xx
Claim Freexxx26x10x152312
Continuous CoveragexxxxN/AN/AxN/A15N/A
Daytime Running Lightsxxx155xN/Axx
Defensive Driverxxxx105105103
Distant StudentxxxxN/A10xx7x
Driver's Edxxxx10N/A101583
Driving Device / AppxxN/Ax30402050305
Early SigningxxxxN/A8xN/A1012
Electronic Stability ControlxxxN/A5xxN/AN/AN/A
Emergency DeploymentN/AN/AN/A25N/AN/AN/AN/AN/AN/A
Family LegacyN/AxN/AxN/AN/AxN/AN/A10
Family PlanN/AxxN/AN/A25N/AN/AN/AN/A
Farm VehiclexN/AxxN/AN/AN/AN/AN/AN/A
Federal EmployeeN/AN/Ax810N/AN/AN/AN/AN/A
Forward Collision WarningN/AN/AN/AN/A5xxN/AN/AN/A
Full PaymentN/Axxx$5N/AxN/A7.5N/A
Further EducationN/AN/AN/Ax1015N/AN/AxN/A
Garaging / StoringN/AN/AxN/AN/AN/AN/AN/Ax90
Good CreditxxN/AN/AN/AxxxN/AN/A
Good Studentxxx1522.510x2583
Green VehiclexN/A5N/A10N/AN/AN/A10N/A
Lane Departure WarningN/AN/AN/AN/AxxxN/AN/AN/A
Life InsurancexN/AN/AN/AN/AxN/AN/AN/AN/A
Low Mileagexxxxxxx30xx
Membership / GroupN/AN/AN/Ax107N/AN/AxN/A
Military GaragingN/AN/AN/AN/AN/AN/AN/AN/AN/A15
Multiple Policies1029x102010121713x
Multiple Vehiclesxxx25102010208x
New Customer / New PlanN/AN/AN/AN/AxN/AN/AN/AN/AN/A
New GraduateN/AN/AN/AN/A5N/AN/AN/AN/AN/A
Newer VehiclexN/AxxN/Axx401012
Newly LicensedN/AN/AN/AN/A5N/AN/AN/AN/AN/A
Occasional OperatorN/AN/AN/AN/AN/AN/AN/AN/AN/Ax
On-Time PaymentsxN/AN/AN/AN/AN/AN/AN/A15N/A
Online ShopperN/AN/AN/AN/AN/AN/A7N/AN/AN/A
Paperless / Auto BillingxxxN/Ax$30x$233
Paperless DocumentsxxxN/AN/A5$50N/AN/AN/A
Passive Restraintxxx40x20x40xx
Recent RetireesN/AN/AN/AN/A4N/AN/AN/AN/AN/A
Safe DriverN/AN/Ax15N/A3531152312
Seat Belt UseN/AN/AN/A15N/AN/AN/AN/AN/AN/A
Senior DriverxN/AxN/AN/AN/AN/AN/AN/Ax
Stable ResidenceN/AN/AN/AN/AN/AxxN/AN/AN/A
Students & AlumniN/AxN/Ax107N/AN/AN/AN/A
Switching ProviderN/AxxN/A10N/AxN/AN/AN/A
Utility VehiclexN/AxxN/AN/AN/AN/AN/AN/A
Vehicle Recoveryxxx153525x5xx
VIN EtchingN/AN/AxN/A5xxN/Axx
Young DriverN/AN/AN/AN/AxN/AxN/AN/A$75
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Be sure to consider all other discounts you might be eligible for when you compare auto insurance quotes with an occupation discount. Most car insurance companies will also let you bundle your discounts for even greater savings.

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Occupation Discount on Auto Insurance: The Bottom Line

Certain professions are seen as less risky for drivers, and auto insurance companies reward this safety with discounts.

Your job might earn you an occupation discount on car insurance of up to 15%.

Teachers, healthcare workers, and first responders top the list for occupations that can receive discounts. However, each auto insurance company is different and will offer various discount amounts to different professions.

Before you buy auto insurance with an occupation discount, shop around to find the best rates and discounts. This is especially important if you have just switched jobs.

You can still find lower rates regardless, even if your job doesn’t qualify you for an occupation discount. Enter your ZIP code now to compare quotes from various auto insurance companies near you for free.

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