We look at how your speculate can influence the monetary value of your car insurance, and what you can legally do to save some money .
Your job title could affect how much you pay for car insurance. It ’ mho one of the factors considered by insurers when they ’ re deciding how a lot you pay .
A picture of car insurance documents
so, what are the cheapest car insurance speculate titles– and which are the most expensive ?

And is there anything you can legally do to get a lower price ?

Why does my job title affect car insurance? 

How job titles are classed will vary between insurers. unfortunately, there ’ s not a master list of professions to find out which are the cheapest .
policy companies use data built up over many years to assess the probable risks presented by different groups of people .
This information includes past claims – as defined by job entitle or occupation. This means you ’ re effectively paying a price for the drive history of a whole group of people .
traditionally, certain jobs have been seen as higher risk. Journalists, for example, could get hit with higher prices because it ’ sulfur assumed they may drive around celebrated passengers .
broadly, it ’ second safe to assume that if your occupation requires more driving it ’ s more probable to have an adverse effect on the price as you ’ ll be covering more miles .
More time behind the wheel increases the luck of you having an accident. It ’ s not an claim science, of course, but it gets factored into the calculations .
Of course, your job international relations and security network ’ t the only factor. Car insurers look at a assortment of factors when calculating your level of risk. This includes the adopt :

  • Your address
  • The type of car you drive
  • Where the car is kept overnight.

It besides depends on your accident and claims history, your drive record, and whether other drivers will be included on the policy .
The whole point is to build up a picture of the likelihood of you making a car indemnity title .

What are the cheapest car insurance job titles?

The total you pay for car indemnity depends on lots of things, including your job. If you ’ rhenium looking for the best occupation for cheaper car indemnity premiums, you ’ ll need a relatively low-risk job .
here are some of the cheapest occupations when it comes to insurance* :

  • Headmaster
  • Meteorologist
  • Bursars at state schools
  • Police superintendents
  • Registrars of births and deaths
  • Navigators
  • Chiropodists

plate exemplar makers, press officers, and the retired were besides deemed moo risk, on average, making them among the best jobs for car insurance .

What are the most expensive job titles for car insurance?

If your car insurance is expensive, it may be because of your job style .
Our research revealed that these are the occupations with the highest indemnity costs* :

  • Mobile food bar employees
  • Doorperson
  • Firewood merchants
  • Mobile shop owners
  • Sportspeople

These professions were followed by leap makers, illustrators, away license employees, steeplejacks and footballers .

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What is the best job for car insurance?

In a nutshell, jobs that do n’t suggest a bad life style. Insurers have their own rules for deciding how to monetary value premiums and they ’ re all based around gamble. The type of job you have will say a distribute about your and your life style. For exemplar, if you ’ re a stunt person who travels a lot for work you ’ ll be seen as a higher risk thana school teacher who walks to work .
Insurers don ’ metric ton like some job titles, because of the gamble associated with them. Drivers with these jobs could pay higher prices and may struggle to get insurance at all in some cases. This can be because of an insurance company ’ mho gamble profile or because it has hit a target for a specific job deed in one area. This is so insurers can avoid insuring excessively many customers in a little area with similar risk profiles .
Having said that, the monetary value of indemnity depends on many unlike factors. Some of these admit :

  • Your age 
  • Where you live 
  • How long you’ve been driving for 
  • The type of car you have 
  • Your claims history 

Should I adjust my job title when buying car insurance?

Certain jobs can be defined in different ways. For example, a diarist may evenly be classified as a writer. It ’ s not inaccurate to use a different claim and it may have a bear on the agio .
If your occupation could have multiple accurate definitions, see which one costs less .
however, you can ’ deoxythymidine monophosphate lie about your job so follow your gut feel. If you ’ re describing your occupation accurately then you won ’ thyroxine have anything to worry about .

What should I do if my job title means higher car insurance?

If you ‘re being quoted sky-high premiums for car insurance, and it ’ south because you have a bad job, there are ways you can cut costs .

  • Check if you’re able to use a different title for your job which still accurately reflects what you do .
  • Let your insurer know if you use your car for exploit .
  • Restrict your annual mileage if you ’ re able to .
  • Increase the excess you pay to reduce the monthly premium .
  • Speak to a specialist insurer to find a better price .


  • Lie about your job title or the kind of work you do .
  • T ake the first quote you ’ re given, it ’ mho authoritative to compare policies and prices .

What are the car insurance occupation categories?

historically, insurers had a tilt of job titles and they would use this to price policies. however, now things have changed and there are many factors included in the price drivers pay for policy .
Insurers base everything on hazard profiles so when they see a speculate deed they will analyse how likely a person with this subcontract is to make an indemnity claim. Insurers will besides look at how many people in an sphere have the like caper and this can affect the price .
This is because insurers don ’ t want to insure excessively many people living in a specific location as it increases the hazard that they ’ ll have to pay out if there ’ s an indemnity claim .

Do car insurance companies check employment in the UK?

First things first, you must tell the truth to an insurance company. If not, your insurance could be invalid .
Although you don ’ t need to show proof of your occupation when you ’ re taking out a policy, don ’ metric ton be dishonest .
Lying about your profession to get cheaper car indemnity could land you in serious fuss. For exercise, if you ’ re a professional football player but claim you ’ re a chiropodist to get cheaper cover and an insurance company finds out, your insurance could be invalidated .
The best-case scenario is that this might invalidate your indemnity cover. In the worst case it ’ s indemnity fraud. It ’ s very not worth taking the hazard .

What happens if I change occupation during my car insurance policy? 

You ’ ll need to tell your employer if you change profession – but not if you ’ ve switched to a different company in the same industry .
If you ’ ra uncertain whether you need to tell your insurance company, don ’ t take any chances. Pick up the call and ask. It ’ randomness better to do this than for a claim to be refused further down the road .

Does being unemployed affect car insurance?

The bad newsworthiness is that unemployed people are broadly regarded as a higher risk. One reason might be because it ’ mho expected they ’ ra drive to problem interviews or that they will be using their car more .
It ’ s a similar situation with students. If they start working then they need to tell their indemnity company as their premium may be affected .

How else can I reduce my car insurance?

If your bounty is coming up higher than expected it ’ s worth having a old world chat to your insurance company to see what can be done .
For case, some could make a decrease if you agree to restrict your annual mileage. Others may cut the cost if you don ’ triiodothyronine use your cable car for workplace purposes or commuting.

It ’ s besides worth shopping about and comparing car indemnity prices using sites like ours. If your insurance company international relations and security network ’ deoxythymidine monophosphate giving you the best price, it may be time to switch to a cheaper policy .

*Based on 11 million quotes between 1 October 2020 and 31 March 2021 .

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