Car Insurance for Tradesmen and Manufacturers

You get car insurance for tradesmen and manufacturers for as low as $161/mo. However, auto insurance rates for manufacturers and tradesmen vary for each person. You secure cheaper car insurance rates with a clean driving record and good credit. Shop around and compare multiple companies to find the best car insurance rates for tradesmen and manufacturers.

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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: Aug 3, 2021

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The Rundown

  • Several factors determine car insurance for tradesmen and manufacturers
  • Tradesmen pay at least 20% more car insurance
  • A clean driving record is the fastest way to cheaper car insurance rates for tradesmen and manufacturers

Tradesmen and manufacturers are some of the hardest workers in the United States.

Sometimes, it can be even harder to locate car insurance companies for tradesmen and manufacturers. But don’t worry – this article breaks down how to get cheap auto insurance for tradesmen and manufacturers.

After you learn more about car insurance for tradesmen and manufacturers, enter your ZIP code in the free comparison tool above to compare multiple companies near you.

Which factors affect car insurance quotes for tradesmen and manufacturers?

The same factors that affect all other drivers will impact tradesmen and manufacturers.

But what are the most significant factors that affect car insurance for manufacturers and tradesmen? Let’s examine them.

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

Car insurance companies use these factors to determine risk. The most significant factor is your driving record. Auto insurance for manufacturers and tradesmen is so much cheaper if they have a clean driving history.

Tradesmen travel more than most drivers, so they’ll pay at least 20% more for car insurance.

Read on to the next section to see how various driving records affect car insurance for tradesmen and manufacturers.

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How much are car insurance rates for tradesmen and manufacturers?

Auto insurance varies for each person. But, we’ve researched how one of the most impactful factors affects car insurance at the best insurance companies.

Check out the monthly auto insurance rates below to see how driving records affect the top auto insurance 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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A clean driving record is the best way to get cheaper car insurance rates. Speeding tickets have the least effect on your auto insurance.

However, accidents and DUIs can increase your car insurance by hundreds. Other factors like credit history and location also play a role in auto insurance costs.

Does car insurance have a significant impact on a tradesman or manufacturer’s income?

It depends on how much the tradesman or manufacturer earns.

According to the U.S. Bureau of Labor Statistics, tradesmen earn about $37,000 per year, which is $3,083 a month. Manufacturers earn around $3,333 per month, depending on the job.

Tradesmen are known as plumbers, construction workers, and laborers. There are different skill levels of tradesmen, from apprentices up to leadmen.

Let’s look at an example.

If a tradesman had a Nationwide auto insurance policy with a clean driving record, they would pay 7.43% of their monthly income on auto insurance.

Meanwhile, manufacturers would pay 6.87% of their income per month.

What are the best car insurance discounts for tradesmen and manufacturers?

Don’t be intimidated by the monthly car insurance rates you find online. Your situation may be different, and you could qualify for several discounts.

Here’s a list of discounts that can lower auto insurance rates for tradesmen and manufacturers.

  • Multi-Policy Discount
  • Multi-Vehicle Discount
  • Anti-theft Discount
  • Safety Features Discount
  • Low-Mileage Discount
  • Safe Driver Discount (sometimes called Defensive Driver)
  • Good Credit Discount

Anti-theft and safety features on your vehicle can help you save up to 10% on car insurance.

If you enter your VIN during the quote process, it’ll make it easier for auto insurance companies to track the exact features of your vehicle.

You can receive safe driver discounts when you have a clean driving record. Meanwhile, a good credit discount brings car insurance to a screeching halt with savings up to 30% off.

Are you part of a union? Your union may be part of an affiliate program that provides car insurance discounts. Contact a union coordinator and see what options you have.

Which car insurance coverage options should tradesmen and manufacturers consider?

Liability auto insurance is required. But, collision insurance and comprehensive insurance are optional. However, it’s highly recommended that tradesmen and manufacturers add these coverage options.

If you’re still making payments on your vehicle, full coverage auto insurance is required. This is particularly useful for tradesmen who use their cars for personal and business use.

However, personal car insurance doesn’t cover every business situation. Therefore, tradesmen should invest in commercial auto insurance.

Read on to learn more.

Is commercial car insurance for tradesmen and manufacturers required?

It depends. Tradesmen who have a business are required to carry commercial auto insurance. Commercial policies have general liability limits that personal car insurance policies can’t reach.

Also, commercial car insurance can insure multiple vehicles at a much affordable rate. The cost of commercial auto insurance is between $1,500 and $3,000 per year.

Prices vary for each company. GEICO, Progressive, and Allstate are some of the best companies for commercial car insurance.

Shop around until you find a commercial car insurance company with the coverage you need.

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Car Insurance for Tradesmen and Manufacturers: What’s the bottom line?

Many factors determine whether affordable car insurance for tradesmen and manufacturers is available.

Find a car insurance policy that meets your budget and coverage needs. The most expensive coverage isn’t always the best.

Before you buy car insurance for tradesmen and manufacturers, use our free online quote tool below to compare multiple companies in your area.

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