Auto Insurance for Mechanics
Mechanics need car insurance to drive legally in their state. Here's what you need to know about car insurance for mechanics
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Written by
Rachel Bodine |
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Reviewed by
Daniel Walker
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UPDATED: Jun 20, 2022
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: Jun 20, 2022
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
Table of Contents
- 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
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.
Table of Contents
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.
States Coverage Types Coverage 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
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.
States Average Annual
Liability Auto Insurance RatesAverage Annual Full Coverage Auto Insurance Rates
Alabama $394.21 $868.48
Alaska $539.68 $1,027.75
Arizona $508.76 $972.85
Arkansas $394.13 $906.34
California $489.66 $986.75
Colorado $520.04 $981.64
Connecticut $650.94 $1,151.07
Delaware $799.30 $1,240.57
District of Columbia $628.82 $1,330.73
Florida $857.64 $1,257.13
Georgia $557.38 $1,048.40
Hawaii $458.54 $873.28
Idaho $344.29 $679.89
Illinois $446.72 $884.56
Indiana $382.68 $755.03
Iowa $299.18 $702.46
Kansas $358.24 $862.93
Kentucky $529.21 $938.51
Louisiana $775.83 $1,405.36
Maine $338.87 $703.82
Maryland $609.74 $1,116.45
Massachusetts $606.04 $1,129.29
Michigan $795.32 $1,364
Minnesota $456.82 $875.49
Mississippi $460.50 $994.05
Missouri $415.88 $872.43
Montana $386.29 $863.52
Nebraska $364.64 $831.02
Nevada $681.56 $1,103.05
New Hampshire $400.56 $818.75
New Jersey $869.57 $1,382.79
New Mexico $488.03 $937.59
New York $804.51 $1,360.66
North Carolina $359.42 $789.09
North Dakota $298.18 $773.30
Ohio $397.11 $788.56
Oklahoma $461.01 $1,005.32
Oregon $584.13 $904.83
Pennsylvania $499.06 $970.51
Rhode Island $759.80 $1,303.50
South Carolina $527.09 $973.10
South Dakota $300.22 $766.91
Tennessee $413.91 $871.43
Texas $528.75 $1,109.66
Utah $497.53 $872.93
Vermont $343.12 $764.02
Virginia $425.61 $842.67
Washington $596.67 $968.80
West Virginia $491.83 $1,025.78
Wisconsin $374.37 $737.18
Wyoming $321.04 $847.44
National Average $538.73 $1,009.38
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.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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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.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
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.
|
Written by
Rachel Bodine |
|
Reviewed by
Daniel Walker
|