Yes - your job title impacts car insurance costs, as your job is linked to a certain risk level of accident. Those in office jobs with stable work hours are less likely to have a work accident than a delivery driver rushing to meet time deadlines.
Many occupations have a range of job titles to describe them, so when you’re on the hunt for a car insurance quote, you should probably try and adjust and tweak your job title to see how it impacts the results.
When it comes to your car insurance, it’s essential to be straight-up about your job title. Trying to fudge it to score a cheaper policy might land you in hot water. That’s like playing with fire in the insurance world.
Now, don’t sweat it! There are a bunch of different ways to describe the same kind of job. So, no need to get all tangled up. Just keep it accurate and find the right fit for your occupation.
Here’s an example:
If you work as a writer and editor for a marketing company. Job titles that could be equally valid include:
That being said, these job titles are all interchangeable. As long as you’re 100% confident that the title you’re using reflects what you do day-to-day, you should try different titles to see if you get different results.
The best job titles for car insurance are typically office jobs with predictable work and travel hours. Also, mechanics are seen as a reliable insurance option, with their knowledge of cars at a higher level than the general public.
There’s no one set answer to this question. The price you pay for car insurance depends on a large variety of factors.
What are the factors affecting how much car insurance you pay? 🤔👇
Generally, insurance providers favour jobs that suggest you don’t have a risky lifestyle. Whilst you could argue that your job doesn’t define how you act, insurance providers consider this. An excellent example of this is if you’re a Deliveroo or fast food driver, as this role would suggest that you may have to drive late at night in busy areas.
Roles with the lowest costs tend to include those who work in civil service or a 9-5 working pattern. This is mainly because there’s less time spent driving other than your daily commute, which makes it less likely that you’ll make a claim.
Louise Thomas, a motor insurance expert from Confused.com, said:
“Insurance companies also look at what they call ‘moral hazards’ when working out car insurance costs. This is how risky they think a driver might behave based on information like their occupation. Delivery drivers, for example, have additional pressure to make their deliveries on time. This could increase their risk of speeding, careless driving or having an accident. This becomes a higher risk occupation, which leads to higher car insurance costs.”
Take a look at our car insurance job picker below, and see the best job titles for cheap car insurance.
Jobs with lower accident risk and less time spent driving, such as mechanics and administrators, tend to attract cheaper car insurance rates. Below is the latest ranking of the cheapest job titles for car insurance.
| Ranking | Job title | Risk Level | Why | Annual insurance cost |
| 1. | Mechanic | Low | Understanding of car maintenance reduces claim risk | £298.61 |
| 2. | Administrator / Civil Servant | Low | Typically office-based with limited driving and regular working hours, lowering exposure to on-road risks. | £308.44 |
| 3. | Designer | Low | Detail-oriented roles are linked to careful and considered behaviour, which can translate into safer driving habits. | £312.91 |
| 4. | Design Engineer | Low | Engineering roles indicate precision and discipline, qualities insurers associate with lower accident likelihood. | £312.91 |
| 5. | Account Executive | Low | Generally predictable working hours and routine driving patterns, reducing time spent on the road. | £313.37 |
| 6. | Commercial Manager | Low | Stable and structured occupation with limited driving beyond commuting, suggesting reduced exposure to risk. | £313.63 |
| 7. | Estimator | Low | Analytical, data-focused work implies calculated and responsible behaviour, lowering perceived accident risk. | £313.75 |
| 8. | Engineer | Low | Technical understanding and structured work schedules reduce on-road exposure and risk-taking behaviours. | £314.95 |
| 9. | Account Manager | Low | Client-focused but primarily office-based, implying consistent driving patterns and low mileage. | £315.29 |
| 10. | Financial Analyst | Low | Client-focused but primarily office-based, implying consistent driving patterns and low mileage. | £315.75 |
Great news for mechanics, administrators, civil servants and designers! They currently enjoy the lowest car insurance premiums. From our list, the best occupation for car insurance is a mechanic.
There are a range of reasons why; check them out below:
According to data collected by Confused.com (*Confused.com data, comprehensive car insurance quotes between April 2022 – March 2023. Minimum 10,000 quotes per job title. Excludes retired, student and unemployed statuses.)
| Ranking | Job title | Risk Level | Why | Annual insurance cost |
| 1. | Fast Food Driver | High | Long hours and delivery time pressures increase accident risk. | £1536 |
| 2. | Apprentice | High | Less driving experience and irregular work hours make insurers perceive higher risk. | £1382 |
| 3. | Fast Food Caterer | High | On-the-road work and tight deadlines raise accident risk. | £1371 |
| 4. | Fast Goods Proprietor | High | Often responsible for transport and delivery logistics, leading to more time on the road | £1343 |
| 5. | Construction Worker | High | Work sites and variable hours increase vehicle use and accident exposure. | £1251 |
| 6. | Abattoir Worker | High | Physically demanding work and early hours contribute to fatigue, which can raise accident likelihood. | £1234 |
| 7. | Barber | High | Frequently travel for clients and maintain irregular schedules, increasing driving variability. | £1222 |
| 8. | Car Valet | High | Constantly driving customer vehicles increases accident exposure. | £1211 |
| 9. | Delivery Courier | High | Time pressures and high daily mileage make accidents more likely | £1187 |
So why do folks with the above job titles pay the most for car insurance premiums? Let us break it down for you:
If you have two jobs and are applying for car insurance, declare them both. A car insurance provider will usually ask if you have another occupation, so it's best to get that out of the way straight away and save you time.
The easy answer is both. When you approach a car insurance provider or comparison site, they’ll initially ask about your profession. However, they will likely follow up with, ‘Do you have another occupation?’. If you say yes, you will be given the opportunity to input your second occupation.
No - insurance providers don't check your job title with your employer, but in the event of an accident may. If you have lied about your job title, you will face a nasty financial penalty.
But it’s crucial to remember that if you need to make a claim, they’re likely to catch you out. If they find that you’ve been dishonest, they will void your insurance, potentially leaving you with a nasty bill.
Unfortunately, yes. Unemployed drivers are usually regarded as a higher risk than those in employment. This may be because your insurance provider expects you to be on the road more, driving to job interviews etc.
How does being retired impact my car insurance policy?
You may think that being retired would make your car insurance policy cheaper, but this isn’t necessarily the case. If you were previously employed in a job considered high-risk by your insurer, you might see your costs decrease slightly when you retire. However, if you were in a low-risk position previously, you probably won’t notice a difference in price.
If you’re receiving high-cost car insurance quotes and you believe it’s because you’re in a high-risk job, there are a few things you can do:
While some occupations enjoy lower premiums due to perceived lower risk, others may face higher costs based on the nature of their work. If you find that your job title is causing you to receive higher insurance quotes, don’t worry. There are steps you can take to lower your premiums.
If you’re still struggling with the cost of your insurance, have you thought about upgrading your car? Changing cars can dramatically help reduce the cost of your car insurance premium.
If you’re in the market for a new car and need car finance to make your purchase, look no further than Marsh Finance.
Checking car insurance is super easy and can be done online. Your car insurance company should have an online area where you can view your car insurance quote. If they do not, you can get in touch and request a copy of your premium. When it comes to car insurance, these are usually the cheapest car insurance companies:
This can change depending on your circumstances, so it's best to shop around and find the best quote for you.
With our car finance calculator, you can check how much you can borrow without impacting your credit score.
Your job title can affect your car insurance premium. Roles that suggest responsibility, stability, or less driving time — like administrators, civil servants, and designers — usually cost less to insure.
Yes, car insurance companies look at your job title when assessing your application. This is because your job can carry risk with it, based on existing data of collisions in your profession. For some, like delivery drivers, your car insurance could hurt your chances of a good car insurance deal.
Your job title does affect how much your car insurance will cost. This is because insurance providers see certain jobs as carrying more risk, and reflect this in higher premiums. Some of these jobs include fast food drivers, apprentices and food couriers.
Jobs that carry low risk and don't tend to have frequent collisions (based on existing data) are seen as the best options. These include:
You should disclose all professions to a car insurance company. In most cases, they will ask if you have any additional jobs. It's important here to be honest and answer yes if this applies to you.
Yes, being unemployed usually means higher car insurance rates. Without a job, you are likely to be on the roads more often than an employed customer, which carries with it added risk. No stable income also makes you less likely to keep up with car payments that are necessary to maintaining it.
Here's some of the best ways to make your car insurance cheaper:
You can get car insurance with no deposit. Bear in mind that you may pay slightly higher premiums when you avoid an upfront deposit.
The lowest insurance group is group 1. Cars in this group are at a low risk of theft and don't tend to be involved in many collisions. Cars in this group include:
We've covered insurance groups in a separate piece.
Yes, many insurers view education-related roles as lower-risk because they involve regular hours and predictable commuting patterns.