Auto Insurance for Social Workers (2024)
There are 850,907 social workers in the United States social worker network. Average social worker car insurance rates are $151 a month or $1,812 annually. Finding cheaper social worker auto insurance does not have to be a hassle. Apply for discounts, and compare quotes from multiple different companies to find the best social work insurance rates in your area. Find the social worker car insurance company that's right for you.
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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 13, 2023
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 13, 2023
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.
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- Social worker car insurance costs around $151 per month or $1,812 annually.
- Statistically, 81 percent of social workers are women. Women often receive slightly lower auto insurance quotes than their male counterparts.
- The average age of social workers in America is 43 years old. Older, more experienced drivers receive lower auto insurance rates than younger, inexperienced drivers.
Sometimes, your occupation can affect how much you pay for insurance on your personal vehicle. In this guide, we will focus on auto insurance for social workers. Social worker auto insurance rates cost around $151 per month or $1,812 annually.
There are several different factors that affect auto insurance rates, so it’s always best to make sure you’re gettin gthe best price possible.
In most cases, you can buy a personal insurance policy that protects you both while you’re running errands and commuting to work. How do you get social worker insurance rates? Do you just show your social worker card? Affordable social worker car insurance is out there — read on to learn more.
Do you work for a social work foundation and are looking to secure cheap auto insurance? Enter your five-digit ZIP code into our free quote comparison tool above to find affordable asocial worker car insurance quotes.
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Does being a social worker affect your auto insurance rates?
Which group pays the most for auto insurance? Does being a social worker negatively impact your auto insurance premiums?
Insurance companies spend money to do a thorough risk analysis when calculating your rates. They look at every aspect of the average driver’s daily life and then compile a list to see how data, lifestyle, and behaviors can all make someone more likely to file a claim.
Therefore, your occupation can affect your auto insurance rates if it puts you at more of a risk of getting into a car accident. Just as life insurance is more expensive for those with dangerous jobs, your car insurance works in similar ways.
In other words, higher-risk drivers receive higher auto insurance premiums.
Fortunately, social workers are perceived as responsible, low-risk drivers. Take a look at some national social worker statistics in the table below.
Social Worker National Statistics and Overview
| Social Worker Overview | Data |
|---|---|
| Total number of social workers in the US | 850,907 |
| Average annual auto insurance rates | $1,812 |
| Average annual salary | $46,285 |
| Average age of social workers | 43-years-old |
| Percent of social workers by gender | 81% female 19% male |
The average social worker appears to be a woman around age 43. When you consider what factors influence how much a person pays for automobile insurance, the average social worker is apt to receive very competitive auto insurance premiums.
For example, women often receive cheaper premiums than their male counterparts. Why do men pay more than women on auto insurance? Statistically, men are responsible for more accidents, a trend that has taken place since 1975, according to the Insurance Institute for Highway Safety.
Only seven states ban using gender as a means for calculating auto insurance rates: California, Hawaii, Massachusetts, Montana, Pennsylvania, North Carolina, and Michigan.
Similarly, the social worker average age is also an asset. What age group pays the most for auto insurance? Drivers under the age of 25 receive some of the highest average auto insurance quotes. Because younger drivers are inexperienced, insurance companies perceive them as being higher-risk to insure.
Are social workers statistically safer drivers?
The social worker network is vast, and there are many different social work organizations that one could work for. To better understand why your day job as a social worker might affect your auto insurance rates, we have to understand what a social worker actually does.
Some social workers work with children in schools. Healthcare social workers assist people as they transition their lives to deal with different diseases and diagnoses. However, according to DataUSA, the majority of social workers are employed by individuals and families.
Is being a social worker stressful? It certainly can be. However, statistically, social workers are not involved in a notable amount of car accidents. This is a major reason why social workers do not struggle to find affordable auto insurance rates.
While driving on the job is common, social workers do not drive substantially more than average.
Higher-risk occupations include truck drivers or even journalists and reporters, all of whom are on the road far more often than social workers and are therefore more likely be involved in car accidents.
Since social workers must attend college, graduate with a degree, and pass a licensing test to work in most states, social workers are seen as disciplined and detail-oriented professionals by insurance companies.
What challenges do social workers face in terms of auto insurance?
One challenge social workers may face when finding auto insurance quotes is connected to income level. While companies cannot specifically use your annual salary as a means for determining auto insurance rates, it appears that some might make best-guess estimates depending on the job title you provide on your application.
Denver 7 News investigates which occupations pay less overall for auto insurance in the following video.
A social worker’s average salary is $46,285, which does fall below the national average of $53,888.
Another challenge social workers face in terms of auto insurance has to do with driving on the job. While personal auto policies will protect you when you’re driving your own car, there are a lot of exclusions if you use that vehicle for business-related purposes. If you are a social worker who does a lot of commercial driving but do not have a company car, knowing these exclusions is extremely important.
Commercial driving for social workers includes making home visits or transporting clients to and from various meetings or scheduled activities. There is a chance that your personal auto insurance policy will not cover you during these circumstances should an accident occur.
If you’re a social worker, make sure you understand how to get a commercial auto insurance policy and are aware of the differences between what your personal policy will cover, and what only commercial policies protect.
How Usage Affects Auto Insurance Rates for Social Workers
Being a member of a social workers club and having access to a social work portal is not enough to get you cheap auto insurance rates. How you use your car is one of the largest determining factors in terms of car insurance premiums.
For example, if you have a messy driving record with too many speeding tickets and at-fault accidents on your record, your rates are going to be much higher than average, whether you’re a social worker or not.
The table below looks at how traffic violations can impact your auto insurance rates.
Full Coverage Auto Insurance Monthly Rates by Driving Record
| Insurance Company | Clean Record | One Accident | One Speeding Ticket | One DUI |
|---|---|---|---|---|
| Allstate | $160 | $225 | $188 | $270 |
| American Family | $117 | $176 | $136 | $194 |
| Farmers | $139 | $198 | $173 | $193 |
| Geico | $80 | $132 | $106 | $216 |
| Liberty Mutual | $174 | $234 | $212 | $313 |
| Nationwide | $115 | $161 | $137 | $237 |
| Progressive | $105 | $186 | $140 | $140 |
| State Farm | $86 | $102 | $96 | $112 |
| Travelers | $99 | $139 | $134 | $206 |
| USAA | $59 | $78 | $67 | $108 |
Too many traffic violations could even mean major companies will refuse to insure you altogether. Fortunately, if you only have one or two minor violations, you can ask companies about accident forgiveness programs. If you’re a social worker with a perfect driving record, be sure to apply for safe driver discounts.
Other vehicle usage factors to keep in mind when searching for cheap auto insurance rates is the average number of miles you drive. If you usually use public transportation when commuting for your social worker job, see if you qualify for low-mileage discounts.
Even for social workers, applying for discounts and comparing quotes from as many different companies as possible will lead to low auto insurance rates.
Whether you’re looking for independent social worker insurance for your vehicle, or if you’re a member of the National Association of Social Workers Inc., you’re going to need to shop around to find the best auto insurance rates.
Ready to buy social worker car insurance? Finding auto insurance for care workers does not have to be a hassle. Enter your five-digit ZIP code into our free quote comparison tool below to find social worker car insurance rates now.
Frequently Asked Questions
Do social workers need specific auto insurance?
Social workers typically need personal auto insurance like any other driver. However, depending on their work activities, they may require additional coverage options, such as liability coverage for transporting clients or professional liability insurance to protect against claims related to their professional services. It’s important to discuss specific job-related needs with an insurance professional.
Are there any auto insurance discounts available for social workers?
Yes, social workers may be eligible for certain auto insurance discounts. These can include occupational discounts for professionals, safe driver discounts, or affiliation discounts if they belong to specific organizations or associations. It’s recommended to inquire with insurance providers to explore available discounts for social workers.
Does using a personal vehicle for work purposes impact auto insurance coverage?
If social workers use their personal vehicle for work purposes, such as transporting clients or visiting different locations, it may impact their auto insurance coverage. It’s important to inform the insurance provider about the vehicle’s use to ensure appropriate coverage. Additional coverage options, such as hired and non-owned auto coverage, may be necessary to protect against potential work-related incidents.
Can social workers add additional liability coverage to their auto insurance policy?
Yes, social workers can typically add additional liability coverage to their auto insurance policy if they need higher limits. This can provide extra financial protection in case of accidents where they may be held liable for damages or injuries. It’s advisable to discuss specific coverage needs with an insurance professional to determine appropriate limits.
What should social workers consider when selecting auto insurance coverage?
When selecting auto insurance coverage, social workers should consider factors such as:
- Usage: Assess how often the vehicle will be used for work-related purposes and ensure appropriate coverage.
- Liability limits: Evaluate liability coverage limits to ensure they provide adequate protection based on individual needs and potential risks.
- Additional coverage: Consider options like uninsured/underinsured motorist coverage or medical payments coverage for comprehensive protection.
- Discounts: Inquire about available discounts for social workers to help reduce insurance premiums.
Can social workers be covered under their employer’s insurance policy?
It depends on the employer and their insurance policies. Some employers may provide coverage for social workers using their personal vehicles for work purposes under the employer’s commercial auto insurance policy. However, it’s important to verify with the employer and review the policy details to ensure proper coverage.
What is non-owned auto insurance coverage, and do social workers need it?
Non-owned auto insurance coverage provides liability protection when driving a vehicle that is not owned by the insured. Social workers who frequently use vehicles that are not their own, such as rental cars or clients’ vehicles, may benefit from non-owned auto insurance coverage. This coverage helps protect against potential liability claims arising from accidents while driving these vehicles.
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Enter your ZIP code below to view companies that have cheap auto insurance rates.
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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
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.