Cheap Car Insurance Quotes for Engineers

Car insurance quotes for engineers are an average of $151 monthly or $1,812 annually. Engineers car insurance discounts may be available due to their low-risk status to file insurance claims. Risk level to file claims impacts car insurance premiums for all drivers. Car insurance companies offer other discounts engineers can take advantage of when buying engineers car insurance.

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Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently a professional writer.

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Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business. Brad is licensed in all P&C lines.

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Reviewed by Brad Larsen
Licensed Auto Insurance Agent

UPDATED: Sep 7, 2021

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Things to Know

  • Car insurance companies consider engineers as low-risk to file car insurance claims
  • Engineers qualify for discounts based on their low-risk status with insurance companies
  • Engineers pay an average of $151 monthly for car insurance or $1,812 annually

Every driver hopes to get affordable car insurance, but not all drivers qualify for the best rates, and they want to know cheap car insurance tips. If you’re an engineer, you may want to learn ways to get a car insurance discount for engineers.

Car insurance companies rate drivers based on various factors, including gender, age, and occupation. Insurers know that certain occupations are at a lower risk than others to file car insurance claims. They reward these occupations with lower car insurance rates, and this can affect engineers car insurance rates.

Engineers are considered a low-risk occupation. Engineers pay an average of $151 per month for car insurance or $1,812 annually. We will look at various discounts available and other ways to save on car insurance for engineers.

Find out all you need to know about affordable engineers car insurance below. Enter your ZIP code now to compare free car insurance quotes from top insurance companies.

How does your occupation as an engineer impact car insurance rates?

Occupation is one variable insurance companies use to help set car insurance rates for drivers across the nation. Rates may vary across states, but all insurers use occupation to help determine driver risk.

Professionals who have a bachelor’s degree, master’s degree, or doctoral degree can earn discounts of up to 18% on their car insurance premiums. Engineers must have a bachelor’s degree to be engineers, which automatically qualifies them for an education discount with some insurers.

Occupation-Based Discounts Offered by Insurance Companies
Insurance CompanyOffers Further Education DiscountOffers Membership/Group DiscountOffers Occupation DiscountOffers Students and Alumni Discount
21st CenturyNoNoNoNo
AAANoYesNoNo
AllstateNoNoYesNo
American FamilyNoNoNoYes
AmeripriseYesYesNoNo
AmicaNoNoNoNo
Country FinancialYesNoYesNo
EsuranceYesYesYesYes
FarmersNoNoYesNo
GEICOYesYesYesYes
Liberty MutualYesYesYesYes
MetLifeNoYesYesYes
NationwideYesYesYesYes
ProgressiveNoNoNoNo
Safe AutoNoNoNoNo
SafecoYesYesYesNo
State FarmNoNoNoNo
The GeneralNoNoNoNo
The HanoverYesYesYesNo
The HartfordNoYesYesNo
TravelersYesYesYesNo
USAANoNoNoNo
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Occupations with lower income levels are more likely to file claims after any accidents that have damages. Higher-income occupations will be more likely to pay some costs out of pocket and not file claims for smaller damage amounts.

Engineers are considered a high-income occupation. The U.S. Bureau of Labor Statistics (BLS) lists mechanical engineers as earning a median salary of $90,160 in 2020. BLS lists electrical engineers as earning a median salary of $103,390 in 2020.

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How does your risk level as an engineer affect insurance rates?

Risk is a major part of the insurance business. Insurance companies try to estimate which drivers will be less likely to file a claim if there has been an accident. Low-risk means not only less likely to get into a car accident but also less likely to file a claim.

Insurance companies consider engineers low-risk drivers. Engineers’ car insurance rates reflect their low-risk status. Car insurance companies can offer lower premium rates to low-risk drivers because they can save the insurance company money by not filing claims as often.

High-risk drivers, usually with a lower income level, will pay higher premiums as they are more likely to file claims after accidents to afford repairs to their cars.

What other factors do insurance companies consider in determining rates for engineers?

Insurance companies consider factors other than occupation and education level when creating car insurance rates for individual drivers. Common factors include:

  • Driving record – how many speeding tickets and accidents do you have? Insurance companies consider past driving habits to be a predictor of future ones and price premiums accordingly.
  • Age – data shows teenagers drive more recklessly than other age groups, so their premiums are higher due to the increased chance of accidents or tickets.
  • Years of driving experience – the more years you have behind the wheel, the less likely you are to make mistakes that can lead to tickets, accidents, and claims.
  • Gender – especially in younger drivers, females are less likely to take risks than males of the same age range.
  • Annual miles driven – drivers who drive under certain mileage limits are rewarded with lower premiums. Less time on roads lowers the risk.
  • Credit score – data shows drivers with lower credit scores file more claims than drivers with better credit, and they are generally more expensive claims.
  • Type of vehicle – newer model cars and sports cars are more expensive to insure than older model vehicles. The more expensive it is to replace, the more the premiums will rise.
  • Location – urban, suburban, rural settings help determine rates and also the state and ZIP code you live in. ZIP codes help determine local risk factors such as the risk of floods, vandalism, or the likelihood of theft.

These are the most common factors insurance companies consider when determining rates. Your company’s factors may look different because they may look for factors beyond what are listed here.

How can engineers get car insurance discounts?

Engineers can save on car insurance through other discount programs offered by insurance companies. It is essential to comparison shop with multiple car insurance carriers to get the best engineers car insurance quotes.

Ask if the engineers’ car insurance company offers a discount for memberships in engineering professional groups or societies. Insurance companies have other discount programs that can benefit engineers and other drivers too.

Bundling discount. Holding multiple policies with one insurer qualifies you for a bundling discount. Having home insurance, life insurance, and car insurance policies with the same insurer is called bundling. It’s usually cheaper to bundle as many policies as possible with the same insurance company.

Low-mileage discount. Suppose you drive under a certain amount of miles per year, which varies by the insurance company, usually under 10,000 miles or sometimes 7,5000 miles per year. In that case, you may receive a discount from your car insurance company.

Usage-based discount: In a usage-based program, the insurance company will ask you to install a telematics device, a plug-in, or a mobile app, to track your driving behavior and mileage and offer you premiums based on that information.

Good driver discount: Again, each insurance company may define a good driver differently. Still a good driver discount offers better premiums to those who go a pre-determined number of years without an accident.

Pay-in-full discount: Some insurers offer a discount to drivers who pay their entire year’s premium upfront in one lump sum.

Anti-theft discount: Some insurers reward drivers who have anti-theft devices installed in their vehicles. Anti-theft devices include car alarms, GPS trackers, and disabling devices that won’t allow the car to be driven without the keys.

Good student discount: If you are an engineer with a high school or college student below age 25 in your household, this discount may apply. Usually, the good student discount is between 10% to 15% off of your premium and rewards students with a B average or higher.

Most drivers are looking for tips on how to save money on car insurance. Car insurance companies may offer other car insurance discounts for engineers to consider. Take a look at some of the top car insurance company’s discounts below.

Discounts by Insurance Provider
Discounts21st CenturyAAAAllstateAmerican FamilyAmeripriseAmicaCountry FinancialEsuranceFarmersGeicoLiberty MutualMetLifeNationwideProgressiveSafe AutoSafecoState FarmThe GeneralThe HanoverThe HartfordTravelersUSAA
Adaptive Cruise Controlxxxx
Adaptive Headlightsxxxxxxxx
Anti-lock Brakesxxxxxxxxxxxxxxxxxxxxxx
Anti-Theftxxxxxxxxxxxxxxxxxxxxxx
Claim Freexxxxxxxxxxxxxxxxxxxxxx
Continuous Coveragexxxxxxxxxxxxxxx
Daytime Running Lightsxxxxxxxxxxxxxxxxxx
Defensive Driverxxxxxxxxxxxxxxxxxxxxxx
Distant Studentxxxxxxxxxxxxxxx
Driver's Edxxxxxxxxxxxxxxxxxxxx
Driving Device/Appxxxxxxxxxxxxx
Early Signingxxxxxxxxxxxxxx
Electronic Stability Controlxxxxxxxxx
Emergency Deploymentx
Engaged Couplex
Family Legacyxxxxxx
Family Planxxxxx
Farm Vehiclexxxx
Fast 5x
Federal Employeexxxx
Forward Collision Warningxxxxxxx
Full Paymentxxxxxxxxxxxxxxxxx
Further Educationxxxxxxxxx
Garaging/Storingxxxxxx
Good Creditxxxx
Good Studentxxxxxxxxxxxxxxxxxxxxxx
Green Vehiclexxxxxxx
Homeownerxxxxxxxxxxxxxxxxxx
Lane Departure Warningxxxx
Life Insurancexx
Low Mileagexxxxxxxxxxxxxxxxxxx
Loyaltyxxxxxxxxxxxx
Marriedxxxxxxxxxxxxxx
Membership/Groupxxxxxxxxxxx
Militaryxxxxxxxxxx
Military Garagingx
Multiple Driversxx
Multiple Policiesxxxxxxxxxxxxxxxxxxxxx
Multiple Vehiclesxxxxxxxxxxxxxxxxxxxxx
New Addressx
New Customer/New Planxxx
New Graduatex
Newer Vehiclexxxxxxxxxxxxxxxx
Newly Licensedx
Newlywedsx
Non-Smoker/Non-Drinkerx
Occasional Operatorx
Occupationxxxxxxxxxxxx
On Time Paymentsxxxx
Online Shopperxx
Paperless Documentsxxxxxxxx
Paperless/Auto Billingxxxxxxxxxxxxxxxxx
Passive Restraintxxxxxxxxxxxxxxxxxxxxxx
Recent Retireesxx
Renterxxx
Roadside Assistancexx
Safe Driverxxxxxxxxxxxxxxxxxxx
Seat Belt Usex
Senior Driverxxxxxxxxx
Stable Residencexxxx
Students & Alumnixxxxxx
Switching Providerxxxxxxxxxxx
Utility Vehiclexxxx
Vehicle Recoveryxxxxxxxxxxxxxxxxxxxxx
VIN Etchingxxxxxxxxxx
Volunteerx
Young Driverxxxxxx
Discounts Provided #21212927182726343431383835362230192022382828
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If your car insurance company was not listed on this table, be sure to ask them for available discounts.

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Cheap Car Insurance Quotes for Engineers: The Bottom Line

There are multiple ways to receive a car insurance discount for engineers. Because engineers are considered low-risk to file claims, insurance companies reward them with lower insurance premiums.

There are many discount programs offered in addition to the occupational discount for engineers. Ask if the insurance carrier offers a discount for membership in an engineer’s professional group. Also, ask about the various discounts detailed above.

Now you know more about how to buy engineers car insurance and the many discounts insurance companies offer. Enter your ZIP code to compare free car insurance quotes from top insurance companies today.

Frequently Asked Questions: Engineers

Below is a common question regarding car insurance for engineers.

#1 – What is an engineers report for car insurance?

The insurance company sends engineers to create a report about how the car accident took place for car accidents. Insurance adjusters use the engineers report to make a determination of which driver is liable and to what extent they are liable.

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