Best Auto Insurance for Engineers in 2026 (Top 9 Companies Ranked)

The best auto insurance for engineers can be found at Geico, USAA, and Progressive.

Geico wins first place for its affiliation discounts, coverage options, and easy-to-use app for engineers.

The other cheapest auto insurance companies for engineers also offer multiple perks, such as vanishing deductibles or multi-policy discounts.

Take a look at the table below to see which company might be best for you.

Our Top 9 Company Picks: Best Auto Insurance for Engineers

Read on to learn about the top auto insurance companies for engineers and how to find discounts and save on your auto insurance as an engineer. You can also enter your ZIP code above to compare quotes from the top providers.

#1 – Geico: Top Pick Overall

Pros

• Affiliation discounts: Engineers in one of the alumni or professional groups on Geico’s list can qualify for a discount.
• Easy to use app and website: Geico’s website and app are well-rated, making it easy for engineers to manage their policies and make claims.
• National coverage: Geico is available in every state, so engineers can keep Geico as an insurer if they move. Learn more about Geico’s availability in our Geico auto insurance review.

Cons

• Lack of local agents: Geico’s customer service is generally conducted over the phone or online, limiting in-person assistance.
• Possible rate increases: Geico’s rates may be higher for certain demographics, such as engineers with poor driving records.

#2 – USAA: Best for Military Engineers

Pros

• Multiple perks and benefits: USAA offers traveling discounts, shopping discounts, and more to USAA policyholders,
• Affordable rates: USAA has some of the cheapest average rates, making it an economical company choice for engineers.
• Great customer service: USAA has great customer service reviews, which you can read more about in our USAA auto insurance review.

Cons

• Limited eligibility: Unless an engineer is military or a veteran, they can’t purchase USAA auto insurance coverage.
• No local agents: USAA relies on online and phone communication rather than local agents to talk to customers.

#3 – Progressive: Best for Discount Options

Pros

• Multiple discount options: Engineers can apply for a number of Progressive auto insurance discounts to lower their rates.
• Name Your Price tool: Engineers on a budget can use Progressive’s Name Your Price tool to find coverage within their price range.
• Highly-rated app: Progressive’s app has great reviews, making it easy for engineers to manage their policies and file claims.

Cons

• Few local agents: Like other big companies, Progressive doesn’t rely on local agents to sell insurance, so in-person support is lacking.
• Higher average rates: Progressive’s average rates tend to be higher than other companies. Learn more about Progressive’s rates in our Progressive auto insurance review.

#4 – Allstate: Best for UBI

Pros

• Drivewise program: Engineers who demonstrate safe driving habits can earn a discount with Allstate’s Drivewise program (learn more in our Allstate Drivewise review).
• Strong financial ratings: Allstate has high financial ratings and is well-established as a company.
• Great add-on coverages: Allstate has a comprehensive list of auto insurance coverages, including extras like roadside assistance.

Cons

• Higher average rates: Allstate’s average auto insurance rates are on the higher side, so it may not be the most affordable auto insurance for engineers.
• Mixed claim reviews: Allstate customer service reviews were mixed with Allstate’s claim processing. Read more in our Allstate auto insurance review.

#5 – State Farm: Best for Engineer Students

Pros

• Steer Clear program: Engineering students can participate in State Farm’s Steer Clear program to earn a discount on their auto insurance.
• Drive Safe & Save program: State Farm also has a UBI program that engineers can participate in for additional discounts.
• Average rates are affordable: State Farm is one of the cheaper companies on the market, so most engineers should be able to get affordable rates at the company.

Cons

• Quote options online are limited: State Farm’s online quote tool may offer less rate customization than other companies.
• Mixed customer service reviews: Some regions rate State Farm lower for customer service. Learn more in our State Farm auto insurance review.

#6 – Farmers Insurance: Best for Coverage Customization

Pros

• Affinity discounts: Farmers has affinity discounts for certain organizations, so some engineers may be able to get an additional discount.
• Signal app: Farmers Signal app is a UBI program that offers discounts to safe drivers.
• Multiple coverage options: Farmers has plenty of coverages to choose from, including less-common coverages like rideshare insurance. Learn more in our Farmers auto insurance review.

Cons

• Mixed customer reviews: Some customers have mixed reviews regarding Farmers’ responsiveness to claims.
• Higher rates for some demographics: Farmers’ rates may not be cheap for all engineers, especially if they have a poor driving record.

#7 – Liberty Mutual: Best for Claims Assistance

Pros

• 24/7 claims assistance: Liberty Mutual offers 24/7 assistance with auto insurance claims. Learn more about claims in our Liberty Mutual auto insurance review.
• RightTrack discount program: Engineers who drive safely can save with Liberty Mutual’s RightTrack UBI program.
• Multi-policy discounts: Liberty Mutual offers bundling discounts to customers who purchase more than one type of insurance.

Cons

• Average rates are higher: Liberty Mutual’s average auto insurance rates tend to be higher than other companies’ rates.
• Mixed customer reviews: Customer reviews are mixed when it comes to Liberty Mutual’s claims processing.

#8 – Nationwide: Best Deductibles

Pros

• Vanishing deductibles: Engineers with a safe driving record will see their deductibles decrease over time with Nationwide’s vanishing deductible program.
• SmartRide discount program: Safe drivers can earn a discount at Nationwide by participating in its SmartRide program.
• Strong financial ratings: Nationwide is well established, so it has strong financial ratings from reputable sites.

Cons

• Lack of local agents: Nationwide doesn’t offer many in-person agents, so customers will have to communicate virtually.
• Rates higher on average: Nationwide’s rates tend to be higher on average than other companies (read more: Nationwide Auto Insurance Review).

#9 – Travelers: Best for Business Vehicle Use

Pros

• Business use insurance: Travelers offers business use insurance to engineers who travel for work or run their own business.
• IntelliDrive program: Travelers IntelliDrive program offers discounts to engineers who drive safely.
• Multiple coverage options: Travelers offers multiple coverages for engineers to choose from (learn more in our Travelers auto insurance review).

Cons

• Lack of local agents: Travelers doesn’t have many in-person agents.
• Rates may be higher: Travelers’ average rates tend to be a little higher than other companies, so it may not be the cheapest option.

Low-Risk Auto Insurance for Engineers

Drivers who are categorized as high-risk are more likely to cause accidents and subsequently make claims. These categories of drivers attract high premium rates. Motorists with low-risk status, however, are less likely to get involved in accidents and enjoy lower rates.

For example, some jobs demand that you spend several hours on the road driving from one workstation to another. The more time you spend on the road, the higher your chances of causing accidents. Engineers generally spend long periods of time at the workstation and may only travel to the site in the morning and leave in the evening, resulting in engineers being more likely to find cheap engineer auto insurance rates.

Since engineering is considered a high-income occupation, customers in this category are less likely to file claims even if they get involved in minor accidents. They prefer to settle the small repairs from their pockets to avoid the tedious claim process.

Learn more: How to File an Auto Insurance Claim

Other Factors That Impact Auto Insurance Rates for Engineers

Many factors that affect engineer auto insurance rates are:

• Mileage
• Age and gender
• Driving history
• Where you live
• Type of car you drive

Your driving history plays a big role in determining how much premium you’ll pay. If you have a history of claims, tickets, and accidents, your rates will radically increase and overtake the discounts you’ll have earned by belonging to a professional body.

 

Most insurers will check your driving record over the last three years and make a determination on your risk levels.

Your place of residence also affects your auto insurance rates. Areas prevalent in crime attract high premium rates due to the high risks of vandalism and car theft. Some vehicles are also listed by insurance companies as “the most stolen cars.” If your make and model fall into that category, you will most likely pay more for your insurance.

Learn more: Affordable High-Risk Auto Insurance

Auto Insurance Discounts for Engineers

As an engineer, you will enjoy big discounts on auto insurance based on your career. Earning a bachelor’s or higher degree in engineering will qualify you for discounts of as much as 18 percent.

Top 10 Insurance Companies with Special Discounts for Engineers

Other car insurance discounts engineers can earn include:

• Multi-policy: If your insurer offers numerous insurance products, it would be wise to consider multiple policies like car, home, life, and health insurance to enjoy maximum discounts.
• Paid-in-full: Insurance companies usually offer discounts on lump-sum premium payments. If you’re capable of settling one year’s premiums upfront, you’ll get some good discounts from your insurer and save more money.
• Auto-pay: You can also consider signing up for automatic premium deductions from your bank account to enjoy good discounts.
• Safety features: Consider installing safety features like alarms and car tracking devices on your vehicle to improve security. Check with your insurance agent and know which features are insurer-approved and will attract discounts.
• Safe driving: Take a safe driver course and submit the certificates to your insurer to enjoy discounts. Make online comparisons and see if your insurer provides such discounts.

Multi-policy bundling discounts are available at most companies where more than one type of insurance is offered. For example, USAA sells home and auto insurance and has a bundling discount when you combine the two.

Insurance companies also work out their rates based on risk levels. They make maximum profits when the members make no claims. Statistics have indicated that engineers make minimal claims as compared to people from other professions.

How to Save Money on Auto Insurance for Engineers

Before you buy auto insurance for engineers, get as many online quotes as possible and choose a plan that offers the most coverage at reasonable costs. Engineers enjoy some of the best auto insurance rates in the market. To find affordable auto insurance for engineers, take your time to shop around and compare quotes from various reputable insurers.

Use our free quote comparison tool to get started on finding cheap auto insurance for engineers. Just enter your ZIP code below to get multiple engineer auto insurance quotes quickly and easily.