Car Insurance for Professional Designers

Car insurance for professional designers is at least 20% more than average. However, professional designer auto insurance rates vary for each person. You can buy cheaper auto insurance for designers when you qualify for discounts. Shop around and compare multiple companies to find the best car insurance rates for professional designers.

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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

  • Professional designers drive more than most drivers
  • Car insurance for professional designers is about 20% more than average
  • Self-employed professional designers need commercial car insurance

Professional designer auto insurance may be more expensive than average. However, you can secure cheaper car insurance for professional designers with the right company and several discounts.

Auto insurance rates for designers are determined by several factors, and our guide unveils all the complex decor of car insurance coverage for professional designers.

After you’ve reviewed all the details about professional designer car insurance, enter your ZIP code in the free comparison tool above to compare quotes from multiple companies in your area.

How much are car insurance rates for professional designers?

According to the National Association of Insurance Commissioners (NAIC), full coverage auto insurance is about $90 a month.

When car insurance companies factor in all the elements that determine car insurance costs for professional designers, you’ll likely end up seeing higher rates. Your car insurance rates can climb even higher if you have any accidents or speeding tickets on your record.

Let’s look at an example of how auto insurance rates change when driving records are considered.

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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A clean driving record is a sure way to keep car insurance rates low for any driver, but especially professional designers. Designers are more likely to travel more than average and end up paying at least 20% more for auto insurance per month.

Does car insurance have a significant impact on a professional designer’s income?

According to the U.S. Bureau of Labor Statistics, interior designers (professional designers) earn $57,060 per year, which is $4,755 a month.

If you have a GEICO car insurance policy with one speeding ticket, you’ll spend about 4.63% of your monthly income on car insurance.

When you factor in auto insurance discounts for designers, you could pay a lot less. Read on to learn which car insurance discounts are more effective.

Which factors affect car insurance quotes for professional designers the most?

Before you buy car insurance for professional designers, you should know what factors affect your quotes. Here’s a list of factors that auto insurance companies review before your policy starts.

  • Age
  • Commute Mileage
  • Coverage Level
  • Credit History
  • Education Level
  • Deductibles
  • Driving Record
  • Gender
  • Location
  • Marital Status
  • Occupation
  • Vehicle

All these factors determine risk. Professional designers are low risks for the most part, but commute mileage makes them a higher risk than most occupations.

If you live in an area known for a dense population, your rates will increase because the chances of filing a claim are much higher. Therefore, auto insurance for professional designers is likely more expensive than average.

Fortunately, rates vary by car insurance company, and you may qualify for certain auto insurance discounts for professional designers that lower your rates.

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What are the top three discounts for professional designer car insurance?

It’s challenging to find a car insurance company that offers discounts specifically for professional designers, but you can take advantage of other auto insurance discounts to make it easier on your finances.

Below are the top three car insurance discounts for professional designers:

#1 Defensive or Safe Driver Discount

There’s nothing more reassuring than a clean driving record. A driving history with no accidents or driving violations makes it easier for you to save money on auto insurance.

Some companies provide up to 40% off when you have a clean driving history. Take it a step further and enroll in a usage-based insurance program to save even more.

#2 Good Credit Discount

If you have good credit, auto insurance companies may give you a significant deduction on your insurance bill. Car insurance companies provide cheaper rates to drivers with good credit because higher credit scores correlate to a lower risk of filing claims.

Some customers can get up to 30% off for having good credit.

#3 Multi-Policy Discount

Self-employed professional designers need more than one insurance policy. If you’re using a personal vehicle to transport materials, you’ll need commercial car insurance.

The best insurance companies provide several different policies. Instead of shopping with another company, bundle personal car insurance with a commercial policy to save money.

What are the best car insurance companies for professional designers?

As much as we want to go over which company is best, the decision is up to you. To help you make this decision, here’s a list of companies we found that have experience with insuring professional designers:

  • Allstate
  • GEICO
  • The Hartford
  • Progressive
  • State Farm

Did you have another company in mind? Check out the best insurance companies and compare insurance quotes from local companies with our free tool to find a provider that meets your needs.

Which type of car insurance coverage is required for professional designers?

Liability auto insurance is the minimum requirement. However, this kind of car insurance only covers damages to the other driver in an accident. If you want to cover your injuries and your property, you should buy full coverage.

In addition to full coverage car insurance, you should add personal injury protection, medical payments, and uninsured/underinsured motorist coverage.

When should professional designers get commercial car insurance?

Commercial auto insurance is essential for professional designers who own a business. This fills in the gaps where personal car insurance won’t reach.

Also, professional designers should add general liability insurance to their inventory to be ready for any accidents or legal issues.

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Car Insurance for Professional Designers: What’s the bottom line

Many factors determine whether affordable car insurance for professional designers is available. You can secure cheaper rates if you have a clean driving record and the right company.

Now that you know how car insurance for professional designers works, use our free online quote tool below to compare the best insurance companies in your area.

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