Can't-Miss Facts

  • Construction and skilled worker auto insurance rates with GEICO are $151 per month or $1,812 per year
  • Higher stress-levels may result in higher construction and skilled worker car insurance rates
  • Auto insurance for construction and skilled workers differs depending on a variety of factors, including your personal driving habits

Construction and skilled workers are an integral component of life, as society as we know it would not function without their expertise. Because this occupation requires less education than some, construction and skilled worker insurance rates may be more expensive.

Since every auto insurance company is different, you may find specific insurance discounts that help you get cheaper construction and skilled worker auto insurance rates with certain companies.

Before learning more, enter your ZIP code in our free comparison tool above to compare affordable construction and skilled worker auto insurance rates in your area.

How much are construction and skilled worker auto insurance rates?

When you compare auto insurance companies and their products, looking at each company’s 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 better if you know what you need beforehand.

As per the National Association of Insurance Commissioners, the average annual auto insurance premium, in general, is $1,190, or around $100 per month.

Knowing the national average, look at what you can expect in construction and skilled worker auto insurance rates with GEICO:

GEICO Construction and Skilled Workers Auto Insurance Rates
Payment FrequencyConstruction and Skilled Workers Auto Insurance Rates
Monthly$151.00
6-Month$906.00
Yearly$1,812.00
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As a construction and skilled worker, you can expect to pay anywhere around these two amounts on your auto insurance. Even so, a few additional factors affect how insurance companies decide on your auto insurance rates.

These factors include:

  • Vehicle
  • Driving record
  • Age
  • Coverage amount
  • Gender
  • Commute mileage
  • Credit score
  • Residence
  • Education

For example, a middle-aged person with a short commute to work can expect to pay less than someone in their early 20s with a poor driving record.

While construction and skilled worker auto insurance rates with GEICO are higher than the NAIC national average, you may still be able to pay less on premiums than you think.

Comparing auto insurance rates from multiple companies and researching your policy options will help you get the best auto insurance for construction workers.

How does being a construction and skilled worker affect auto insurance rates?

For better or worse, occupation is a factor auto insurance companies consider when deciding on your premiums.

More drive time increases the chances of an accident and filing claims, which is why a longer work commute will usually result in higher rates. Therefore, if a construction and skilled worker travels more for their work than another, that person may pay more for auto insurance.

A person’s level of education may also affect auto insurance premiums. According to the U.S. Bureau of Labor Statistics, most construction and skilled workers have a high school diploma or equivalent. Therefore auto insurance companies may offer more expensive auto insurance rates.

For example, brick masons have at least a high school diploma and some form of apprenticeship or on-the-job experience. Because brick masons do not need as much education as other jobs, auto insurance for brick masons is expected to be more expensive than others.

Additionally, job-related stress affects driving skills. If you work in a stress-infused atmosphere, you are more likely to get into an accident and file a claim than someone else.

Because construction and skilled workers’ daily jobs require a lot physically and mentally, they may experience a lot of physical and mental stress from work.

It is safe to assume that the stress of a construction and skilled worker’s work environment will be considered by auto insurance providers when determining your rates.

Regardless of which field you work in, comparing auto insurance rates from multiple companies is the best way to find rates and policies that work for you.

How can you find the best deal on construction and skilled worker auto insurance?

Finding the best deal on construction and skilled worker auto insurance depends on your needs and whether or not you take time to shop around for rates from multiple companies.

Since there isn’t a specified construction and skilled worker auto insurance company, your best option is to compare coverage from multiple auto insurance companies in your area.

It may also benefit you to research the automobile insurance coverage options available in your area, and if you can find cheap construction and skilled worker auto insurance quotes.

Some construction companies may offer commercial auto insurance to their workers, which covers any company vehicle they drive or covers them while driving on the job.

Construction and Skilled Worker Auto Insurance: the Bottom Line

Although car insurance for builders depends on different factors, you may be able to find it at a lower cost than others.

As most companies consider education, commute mileage, gender, and more, it’s critical to know what to expect from the companies in which you’re interested.

Before you buy construction and skilled worker auto insurance, make sure to shop around and ask about the auto insurance discounts you may qualify for. Some companies may have unadvertised discounts or programs available to you that will save you lots of money on your auto insurance premiums.

Another beneficial way for construction and skilled workers to limit their monthly auto insurance premiums is to maintain a clean driving record and reduce their claims.

Ready to compare construction and skilled worker auto insurance rates? Enter your ZIP code into our free tool below to get started with auto insurance quotes from companies near you.