Car Insurance for Mechanics

Car insurance for mechanics can be as low as $46/mo. However, mechanic auto insurance rates vary for each person based on factors like driving record, credit score, and vehicle type. You can secure affordable mechanic car insurance rates by asking for discounts. Shop around and compare multiple companies to find the best auto insurance for mechanics.

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Natasha McLachlan is a writer who currently lives in Southern California. She is an alumna of California College of the Arts, where she obtained her B.A. in Writing and Literature. Her current work revolves around insurance guides and informational articles. She truly enjoys helping others learn more about everyday, practical matters through her work.

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Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...

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Reviewed by Laura Walker
Former Licensed Agent

UPDATED: Jul 24, 2021

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The Rundown

  • Auto insurance discounts for mechanics depend on several factors, such as driving history and vehicle
  • Safe driver and good credit discounts have the most impact on mechanic car insurance rates
  • A mechanic can get liability coverage for as low as $46/mo

Are you worried about paying more expensive auto insurance rates for mechanics? Mechanic car insurance can be inexpensive, but several factors determine affordable car insurance for mechanics.

Read through this article to learn more about car insurance rates for mechanics and which discounts can lower your rates.

Are you ready to compare car insurance quotes for mechanics? Enter your ZIP code in our free online quote tool above to compare the top companies in your area.

How much is car insurance for mechanics?

Auto insurance rates for mechanics are no different than any other driver. However, mechanic auto insurance is determined by various factors, such as:

  • Age
  • Gender
  • Marital Status
  • Location
  • Vehicle
  • Commute Mileage
  • Deductible
  • Coverage Level
  • Driving Record
  • Credit Score

According to the National Association of Insurance Commissioners (NAIC), you can get full coverage car insurance for as low as $90 per month. Meanwhile, liability auto insurance coverage is about $46 a month.

Check out how much full coverage car insurance costs at the top companies in the United States:

Average Monthly Car Insurance Rates Based on Driving Record by Company
CompaniesMonthly Car Insurance Rates Based on a Clean Driving RecordMonthly Car Insurance Rates With One Speeding TicketMonthly Car Insurance Rates With One AccidentMonthly Car Insurance Rates With One DUI
Allstate$318$374$416$522
American Family$224$252$310$361
Farmers$288$340$377$393
GEICO$179$220$266$406
Liberty Mutual$398$475$517$634
Nationwide$229$259$283$379
Progressive$283$334$398$331
State Farm$235$266$283$303
Travelers$287$355$357$478
USAA$161$183$210$292
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Each company provides a higher than average rate, but they’re based on driving histories. Favorable factors like a good driving record can keep your monthly payments low.

How do car insurance rates affect a mechanic’s monthly income?

According to the U.S. Bureau of Labor Statistics, mechanics earn about $44,000 per year (which is about $3,667 a month).

Let’s look at an example:

If you’re a mechanic who’s served in the military, you’ll be eligible for USAA – one of the best insurance companies in the United States. USAA’s cheapest rate based on a clean driving record is $161 per month. Therefore, USAA car insurance is 4.39% of your income that month.

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What are the top five car insurance discounts for mechanics?

Various factors may dictate your car insurance rates, but auto insurance discounts for mechanics can bring costly rates to a screeching halt. Check out these five must-have car insurance discounts:

  1. Safe/Defensive Driver Discount
  2. Anti-Theft Discount
  3. Safety Features Discount
  4. Good Credit Discount
  5. Bundle Discount

If you want a safe driver discount, focus on keeping your driving history free of traffic violations and accidents. Drivers can receive up to 40% off when they have a clean driving history.

The advantage that new vehicles have is safety and anti-theft features. You can get at least 10% off car insurance rates with these types of discounts

Auto insurance companies give out deals for customers with high credit scores. Exceptional and good credit correlate to a low risk of filing claims and lower premiums.

Can mechanics buy commercial car insurance?

If you want to buy car insurance for a mechanic repair shop, you’ll need commercial car insurance. Commercial auto insurance is designed for providing coverage for business vehicles, such as tow trucks.

What’s the difference between car repair insurance and car repair shop insurance?

Did you happen to see car repair insurance and car repair shop insurance when you searched for car insurance for mechanics? These types of car insurance policies are available to mechanics, but not every mechanic will need this kind of coverage.

Auto repair insurance (mechanical breakdown insurance or MBI) provides coverage when your vehicle suddenly breaks down. Your MBI company pays for repairs, but you may have to pay a deductible.

Extended warranties provide the same service, but they increase your monthly car payments.

Car repair shop insurance is designed for mechanics with an automotive repair business. This insurance plan provides coverage for accidents, faulty repairs, and injuries. Car repair shop insurance is at least $57 a month, but the cost varies for each company.

Car Insurance for Mechanics: What’s the bottom line?

Car insurance companies for mechanics are more concerned about risk than affordability. A mechanic that spends most of their time driving will have more expensive auto insurance rates. However, a mechanic who’s a cautious driver will save more on car insurance each month.

Before you buy car insurance for mechanics, use our free comparison tool below to compare auto insurance quotes from multiple companies in your local area for free.

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