Jobs with the most expensive car insurance: is yours on the list?

Jobs with the most expensive car insurance: is yours on the list?

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The cost of your auto insurance depends on many factors. These factors include your age, where you live, the type of car you drive, your driving record, and the level of coverage you choose. But did you know that your job title also influences how much you pay?

Car insurance comparison website Go Compare has done a study on the cheapest and most expensive job titles for car insurance. The study shows that fast-food delivery drivers and taxi drivers face some of the highest car insurance premiums, while retired drivers and occupational therapists pay some of the lowest.

Read on to find out what other professionals are paying for their insurance premiums on average. I’ll also tell you about a job title ‘trick’ you can use that could lower your premium.

What job titles are the most expensive for car insurance?

According to Go Compare, fast food delivery drivers face some of the most expensive car insurance premiums in the UK. People in this profession pay an average of £1,369.27 a year for their car insurance.

In second place are taxi drivers, whose average insurance premium is £1,010 a year.

Ryan Fulthorpe, auto insurance spokesperson for Go Compare, says it’s not surprising that these two are at the top of the list of most expensive job titles for auto insurance. Fast-food delivery men and taxi drivers spend their working lives on the road, which means they are understandably considered riskier by insurers.

The next two professions on the list, however, are a bit of a surprise because they are roles that are not normally considered risky. These are librarians and merchants. The costs for these two jobs are £949 and £919 per year respectively.

Couriers round out the list of the top five most expensive job titles for car insurance at £908.88 per year.

Here is the full list of the 10 most expensive job titles for car insurance:


middle cousin

fast food delivery driver


Taxi driver






delivery courier


computer operator




cafe owner


Delivery courier




What are the cheapest job titles for car insurance?

At the other end of the scale, retired drivers pay the cheapest car insurance premiums in the country, with an average annual cost of £395.18.

They are followed by occupational therapists, who pay £460.09 a year, and research scientists, who pay £469.72.

Credit controllers and local government officials round out the list of the five cheapest car insurance job titles, paying £477.89 and £482.79 respectively.

Other job titles with relatively cheap premiums are:

  • Administrative Officer – £483.34
  • Scientist – £486.81
  • University Professor – £487.98
  • Quality Engineer – £489.66
  • Nursery Worker – £490.63

How can drivers in the most expensive professions reduce their premiums?

Clearly, your job title can have a big influence on your auto insurance quote.

If you’re in one of the more expensive job titles for auto insurance, it’s possible to lower your costs without moving on to an entirely new career. You can do this by adjusting the wording of your job title during the application process.

Fulthorpe says, “If you’re getting a quote for your auto insurance, it’s worth looking at your job title wording to see if you can save money on your premiums.”

In other words, try to put in an alternate job title that still matches your role, but might come with a lower premium. For example, instead of saying “chef,” you could say “catering” or “cook.” And instead of being a journalist, you say that you are a ‘writer’.

It goes without saying that any change in your job title must be reasonable. For example, don’t say he’s “retired” when he’s actually an active fast food delivery driver. This could void your auto insurance policy and lead to insurance fraud charges.

Ultimately, the best way to save money on your auto insurance is to shop around. shopping. To make this easier for you, Motley Fool has compiled a list of top-rated websites that you can use to compare auto insurance and find the best possible deal for your needs.

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