Cheap Auto Insurance Rates for Architects
Architect auto insurance rates average $151/mo or $1,812/yr with GEICO. However, architect auto insurance differs for every person. Different factors affect architect auto insurance rates, including commute mileage and the auto insurance company. For affordable auto insurance for architects, compare multiple companies to find the best rates.
- Architect auto insurance rates with GEICO are $151 per month or $1,812 per year
- You’ll need commercial auto insurance if you have more than three vehicles to insure
- As an architect, you can make around $82,320 per year
Architects are vital, as most of society would not function without their expertise. Because this occupation requires more education than others, architect auto insurance rates may be cheaper.
Since every auto insurance company is different, you may find specific insurance discounts that help you get cheaper architect auto insurance rates with certain companies.
Before learning more, enter your ZIP code in our free comparison tool above to compare affordable architect auto insurance rates in your area.
What are architect auto insurance rates?
When you compare auto insurance companies and their products, looking at rates is the best place to start.
Every auto insurance company offers various products at different rates for each policyholder, making the buying process difficult. However, your buying experience will be easier if you know what you need beforehand.
As per the National Association of Insurance Commissioners, the average annual auto insurance rate is $1,190, or around $100 per month.
Knowing the national average, check out the sample architect auto insurance rates with GEICO.
|Payment Frequency||Architect Rates|
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As an architect, you can expect to pay anywhere around these two amounts for your auto insurance. Nonetheless, a few additional factors affect how insurance companies decide on your auto insurance rates.
These factors include:
- Coverage amount
- Commute mileage
- Credit score
- Driving record
For example, a middle-aged person with a clean driving record can expect to pay less than someone in their early 20s with multiple speeding tickets.
Does being an architect affect auto insurance rates?
Occupation is something auto insurance companies look at when deciding on your rates.
More drive time increases the chances of an accident and filing claims, which is why a job that requires more driving will typically result in higher rates. So, if you’re an architect who travels by car frequently, you may pay more for auto insurance.
Another thing that often influences auto insurance rates is the level of education a person has. For example, since architects generally have at least a bachelor’s degree, auto insurance companies may offer reduced auto insurance rates.
The following table includes some quick statistics on architects from the U.S. Bureau of Labor Statistics.
|Architect Summary||Architect Stats|
|2020 Median Yearly Pay||$82,320 per year|
|2020 Median Hourly Pay||$39.58 per hour|
|Typical Entry-Level Education||Bachelor's degree|
|Work Experience in a Related Occupation||None|
|Number of Jobs in 2019||129,900|
|Job Outlook, 2019-29||1% (Slower than average)|
|Employment Change, 2019-29||1,100|
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While architect auto insurance rates with GEICO are higher than the National Association of Insurance Commissioners’ (NAIC) national average, you may still be able to pay less than you think.
Considering that being an architect requires more education than other occupations, some auto insurance companies may offer lower rates than those included here.
Comparing auto insurance rates from multiple companies and discussing your options with an agent will help you get the best car insurance for architects.
How can you find the best deal on architect auto insurance?
Finding the best deal on architect auto insurance depends on your needs and the way you go about your insurance shopping.
Since there’s not one specific architect auto insurance company, your best option is to shop around and get quotes from multiple auto insurance companies in your area.
It may also benefit you to research what automobile insurance coverage options are available to you to see if you can find cheap architect auto insurance quotes. Don’t pay for coverage you know you’ll never use.
What kind of insurance do architects need?
Any architect needs auto insurance to protect themselves from out-of-pocket costs. Most architectural freelancers and businesses carry several types of insurance.
A few common architect insurance types and yearly costs include:
- Business owner insurance – Annual median rate: $790 per year
- General liability insurance – Annual median rate: $425 per year
- Professional liability insurance – Annual median rate: $1,730 per year
- Workers’ compensation insurance – Annual median rate: $600 per year
Most of these insurance products carry a policy limit of $1 million and a $500 deductible. However, architects may be eligible for higher limits.
It’s also important to shop around for commercial auto insurance. If you have three or more vehicles, purchase a commercial car insurance policy, as you will need fleet insurance.
Architect Auto Insurance: the Bottom Line
Although car insurance for architect designers depends on different factors, you may be able to find it at a lower cost than some.
As most companies consider education, commute mileage, gender, and more, it’s critical to know what to expect from the companies you’re considering.
Before you buy architect auto insurance, make sure to talk over all of your options with an insurance agent. Some companies may have unadvertised discounts or programs that will lower your rates.
Architects can also keep their monthly auto insurance rates to a minimum by maintaining a clean driving record and reducing their claims.
Ready to buy architect auto insurance? Enter your ZIP code into our free online tool below to get started with auto insurance quotes from companies near you.