Auto Insurance for Mechanics (2024)
Mechanics must carry auto insurance to drive legally — minimum coverage averages only $45/mo. In addition, you should consider finding auto repair shop insurance online if you own your own mechanic's shop and need coverage. Below, you can learn more about how to get cheap auto insurance for mechanics.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
UPDATED: Oct 15, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Oct 15, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Mechanics need car insurance to drive legally in their state
- Some mechanics may choose higher deductibles or purchase less coverage because they can do repairs on their vehicles
- Comparing quotes online will allow you to find the cheapest options for car insurance
Mechanics are responsible for purchasing auto insurance just like everyone else who drives in the U.S. Along with tool insurance for mechanics, auto insurance is just as important. A car insurance policy protects a mechanic from liability associated with a car accident, and the right types of auto insurance can also protect the mechanic’s car and auto repair shop.
Some mechanics may only purchase state minimum auto insurance requirements because they know they can fix issues on their vehicle. However, plenty of self-employed mechanics understand the value of a full coverage insurance policy, and should shop for auto repair shop insurance online to cover their business.
Below, we’ll help you understand more about how to find cheap insurance for mechanics and compare automotive business insurance cost.
Auto Insurance for Mechanics
If a mechanic owns and operates a vehicle, they’re responsible for purchasing car insurance. However, it depends on where you live as to how much insurance you are required to buy to meet your state’s laws.
States have different regulations regarding how much auto insurance you need on your car. While all states require some liability coverage, some states also require drivers to purchase personal injury protection (PIP) auto insurance, medical payments (MedPay), and uninsured or underinsured motorist coverage.
The table below shows the types of auto insurance and amount required by state:
Minimum Auto Insurance Coverage Requirements by State
States Coverages Limits
Alabama Bodily injury and property damage liability 25/50/25
Alaska Bodily injury and property damage liability 50/100/25
Arizona Bodily injury and property damage liability 15/30/10
Arkansas Bodily injury and property damage liability; personal injury protection 25/50/25
California Bodily injury and property damage liability 15/30/5
Colorado Bodily injury and property damage liability 25/50/15
Connecticut Bodily injury and property damage liability; uninsured/underinsured motorist protection 25/50/20
Delaware Bodily injury and property damage liability; personal injury protection 25/50/10
Washington, D.C. Bodily injury and property damage liability; uninsured/underinsured motorist protection 25/50/10
Florida Property damage liability and personal injury protection 10/20/10
Georgia Bodily injury and property damage liability 25/50/25
Hawaii Bodily injury and property damage liability; personal injury protection 20/40/10
Idaho Bodily injury and property damage liability 25/50/15
Illinois Bodily injury and property damage liability; uninsured/underinsured motorist protection 25/50/20
Indiana Bodily injury and property damage liability 25/50/25
Iowa Bodily injury and property damage liability 20/40/15
Kansas Bodily injury and property damage liability; personal injury protection 25/50/25
Kentucky Bodily injury and property damage liability; personal injury protection; uninsured/underinsured motorist protection 25/50/25
Louisiana Bodily injury and property damage liability 15/30/25
Maine Bodily injury and property damage liability; uninsured/underinsured motorist coverage; medical payments 50/100/25
Maryland Bodily injury and property damage liability; personal injury protection; uninsured/underinsured motorist coverage 30/60/15
Massachusetts Bodily injury and property damage liability; personal injury protection 20/40/5
Michigan Bodily injury and property damage liability; personal injury protection 20/40/10
Minnesota Bodily injury and property damage liability; personal injury protection; uninsured/underinsured motorist coverage 30/60/10
Mississippi Bodily injury and property damage liability 25/50/25
Missouri Bodily injury and property damage liability; uninsured/underinsured motorist coverage 25/50/25
Montana Bodily injury and property damage liability 25/50/20
Nebraska Bodily injury and property damage liability; uninsured/underinsured motorist coverage 25/50/25
Nevada Bodily injury and property damage liability 25/50/20
New Hampshire Financial responsibility only 25/50/25
New Jersey Bodily injury and property damage liability; personal injury protection; uninsured/underinsured motorist coverage 15/30/5
New Mexico Bodily injury and property damage liability 25/50/10
New York Bodily injury and property damage liability; personal injury protection; uninsured/underinsured motorist coverage 25/50/10
North Carolina Bodily injury and property damage liability; uninsured/underinsured motorist coverage 30/60/25
North Dakota Bodily injury and property damage liability; personal injury protection; uninsured/underinsured motorist coverage 25/50/25
Ohio Bodily injury and property damage liability 25/50/25
Oklahoma Bodily injury and property damage liability 25/50/25
Oregon Bodily injury and property damage liability; personal injury protection; uninsured/underinsured motorist coverage 25/50/20
Pennsylvania Bodily injury and property damage liability; personal injury protection 15/30/5
Rhode Island Bodily injury and property damage liability 25/50/25
South Carolina Bodily injury and property damage liability; uninsured/underinsured motorist coverage 25/50/25
South Dakota Bodily injury and property damage liability; uninsured/underinsured motorist coverage 25/50/25
Tennessee Bodily injury and property damage liability 25/50/15
Texas Bodily injury and property damage liability; personal injury protection 30/60/25
Utah Bodily injury and property damage liability; personal injury protection 25/65/15
Vermont Bodily injury and property damage liability; uninsured/underinsured motorist coverage 25/50/10
Virginia Bodily injury and property damage liability; uninsured/underinsured motorist coverage 25/50/20
Washington Bodily injury and property damage liability 25/50/10
West Virginia Bodily injury and property damage liability; uninsured/underinsured motorist coverage 25/50/25
Wisconsin Bodily injury and property damage liability; uninsured/underinsured motorist coverage; medical payments 25/50/10
Wyoming Bodily injury and property damage liability 25/50/20
You should also compare automotive business insurance cost from various companies if you need commercial auto insurance coverage for your mechanic business. Some companies even offer mechanics tool insurance if you equipment gets damaged.
While insurance companies often help policyholders ensure they meet their state’s requirements for coverage, it is ultimately each driver’s responsibility to carry the proper coverage before getting behind the wheel.
Full Coverage Auto Insurance for Mechanics
We recommend that mechanics who own cars less than 10 years old should consider purchasing a full coverage auto insurance policy to ensure they are taken care of if they’re ever in an accident.
Full car insurance coverage includes both collision auto insurance — which covers accident-related damage to your vehicle — and comprehensive insurance — which covers theft, vandalism, damage from inclement weather, and other non-accident-related damage.
While a full coverage policy is extremely helpful, full coverage on a vehicle can be costly. The table below compares the cost of liability coverage with a full coverage policy in each state.
Liability vs. Full Coverage Auto Insurance Rates by State
States Monthly Liability Rates Monthly Full Rates
Alabama $33 $72
Alaska $45 $86
Arizona $42 $81
Arkansas $33 $76
California $41 $82
Colorado $43 $82
Connecticut $54 $96
Delaware $67 $103
District of Columbia $52 $111
Florida $71 $105
Georgia $46 $87
Hawaii $38 $73
Idaho $29 $57
Illinois $37 $74
Indiana $32 $63
Iowa $25 $59
Kansas $30 $72
Kentucky $44 $78
Louisiana $65 $117
Maine $28 $59
Maryland $51 $93
Massachusetts $51 $94
Michigan $66 $114
Minnesota $38 $73
Mississippi $38 $83
Missouri $35 $73
Montana $32 $72
Nebraska $30 $69
Nevada $57 $92
New Hampshire $33 $68
New Jersey $72 $115
New Mexico $41 $78
New York $67 $113
North Carolina $30 $66
North Dakota $25 $64
Ohio $33 $66
Oklahoma $38 $84
Oregon $49 $75
Pennsylvania $42 $81
Rhode Island $63 $109
South Carolina $44 $81
South Dakota $25 $64
Tennessee $34 $73
Texas $44 $92
Utah $41 $73
Vermont $29 $64
Virginia $35 $70
Washington $50 $81
West Virginia $41 $85
Wisconsin $31 $61
Wyoming $27 $71
National Average $45 $84
Since full coverage can cost more than double what liability costs, it makes sense that plenty of people want to avoid purchasing a full coverage policy.
Mechanics, of all people, are the most likely group to be able to go with a liability policy and not worry. After all, mechanics can probably fix most issues with or damage to their vehicles. However, you should get self-employed mechanic full coverage insurance for complete protection.
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Mechanic Auto Insurance Cost
The amount you pay for mehcanic insurance will depend on several different factors, including:
- Age
- Gender
- Marital status
- Occupation
- Driving history
- Credit score
- Car make and model
- ZIP code
Some insurance companies consider a person’s career when determining monthly and annual auto insurance rates. However, for most insurance companies, mechanics sit right in the middle of the pack when determining risk.
However, a mechanic’s job often includes regular hours and doesn’t typically involve long hours without proper sleep. For these reasons, mechanics are likely considered somewhat of a risk but not a high risk.
Mechanic insurance rates also depend on the coverage a mechanic chooses to purchase. Coverage type is arguably essential in determining a mechanic’s car insurance rates. Mechanics could spend anywhere from a few hundred dollars a year to $5,000 annually, depending on the coverage they have on their policy.
How to Save on Mechanic Auto Insurance
Besides purchasing a low-coverage policy, mechanics can save money on car insurance by choosing a higher deductible or shopping online for quotes.
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Since mechanics can handle many car repairs independently, they may want to choose a higher car insurance deductible and save money on their monthly premiums. However, this would mean they would have to pay more money if they filed a claim with their insurance company.
Mechanics can also save money by comparing cheap auto insurance quotes from multiple providers to see which offers the coverage they need at a price that works with their budget.
More About Auto Insurance for Mechanics
You must have self-employed mechanic insurance for your car if you own an auto repair shop. While you only need to meet your state’s minimum liability requirements to drive legally, you should consider purchasing additional coverage, such as collision or comprehensive auto insurance, to ensure you’re covered in an accident.
Choosing higher auto insurance deductibles on your policy or comparing car insurance quotes can help you lower your insurance rates for mechanics.
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Frequently Asked Questions
Why do mechanics need auto insurance?
Mechanics need auto insurance to protect themselves and their businesses in case of accidents or damages while working on customer vehicles. It provides coverage for liability claims, damage to customer vehicles, and protects against theft or vandalism.
How much does mobile mechanic insurance cost?
Automotive business insurance cost varies by business size and personal circumstances.
Are mechanics insured to drive any car?
Insurance for mechanics covers them to driver customer vehicles.
What kind of insurance does a mechanic need?
Mechanics should consider the following types of auto insurance coverage:
- Commercial auto insurance: Provides mechanic insurance for vehicles used for business purposes.
- Garage liability insurance: Protects against liability claims arising from accidents or injuries that occur on the premises.
- Garagekeepers insurance: Covers damages to customer vehicles while they are in the mechanic’s care.
Are there any specific considerations for mechanics when choosing auto insurance?
- The type and size of their business: Different insurance options are available for independent mechanics, auto repair shops, or dealerships.
- The number of vehicles in their fleet: The mechanics insurance needs may vary based on the size and usage of the vehicle fleet.
- Customer vehicle value: If working on high-value vehicles, additional coverage may be necessary. So, you should compare rates for auto repair shop insurance online.
What are the benefits of auto insurance for mechanics?
Some benefits of auto insurance for mechanics include:
- Protection against liability claims: Mechanic insurance covers costs related to injuries or damages caused to third parties.
- Coverage for customer vehicles: In case of accidents or damages while working on customer vehicles, insurance for mechanics can cover the costs.
- Financial security: Mechanic insurance provides peace of mind knowing that potential risks and damages are covered.
Are there any drawbacks to consider with auto insurance for mechanics?
Some drawbacks of auto insurance for mechanics may include:
- Cost: Premiums for auto insurance can be significant, especially if you’re shopping for and comparing automotive business insurance cost.
- Policy limitations: Mechanic insurance policies may have certain limitations and exclusions.
- Administrative requirements: Mechanics need to maintain proper documentation and fulfill any reporting requirements.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.