Auto Insurance for Mechanics

Most people assume that mechanics can fix anything and everything associated with a car. And while this may be true, mechanics are responsible for purchasing car 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 coverage can also protect the mechanic’s car. 

Some mechanics may only purchase their state’s minimum car insurance coverage requirements because they know they can fix issues on their vehicle. But plenty of mechanics understand the value of a full coverage policy.

Do mechanics need car insurance?

If a mechanic owns and operates a vehicle, they are responsible for purchasing car insurance. But 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. And while all states require some liability coverage, some states also require drivers to purchase personal injury protection (PIP), medical payments (MedPay), and uninsured or underinsured motorist coverage.

The table below shows the types and amounts of coverage required in each state in the U.S.

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.

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Do mechanics need full coverage on their vehicles?

It is advisable that drivers who own cars less than 10 years old should consider purchasing a full coverage policy to ensure they are taken care of if they’re ever in an accident. 

Full car insurance coverage includes both collision 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.

Because 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. But going without full coverage on car insurance isn’t the only way to find affordable options.

How much is car insurance for mechanics?

The amount you pay for auto 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.

But 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.

Auto insurance rates for mechanics 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 can mechanics save money on car insurance?

Besides purchasing a low-coverage policy, mechanics can save money on car insurance by choosing a higher deductible or shopping online for quotes.

Because 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 ever decided to file a claim with their insurance company.

Mechanics can also save money by shopping online and comparing quotes from multiple insurance providers. This would allow them to see which companies are willing to provide them with the coverage they need at a price that works with their budget.

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Mechanic Car Insurance: The Bottom Line

You must have a car insurance policy if you are a mechanic and own a car. While you only need to meet your state’s minimum liability requirements to drive legally, you should consider purchasing additional coverage to ensure you are covered in an accident.

Choosing a higher deductible on your policy or comparing car insurance quotes can help you lower your monthly or annual premiums for auto insurance coverage.