Can't-Miss Facts

  • Engineer auto insurance rates with GEICO are $151 per month or $1,812 per year
  • Auto insurance for engineers differs depending on your personal driving habits
  • Higher stress levels and other factors may result in higher engineer auto insurance rates

Engineer auto insurance can be cheaper than average based on your education level, commute mileage, and driving record.

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

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

How much are engineer auto insurance rates?

Every auto insurance company offers different products at varying rates for each policyholder. 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, here’s what you can expect to pay for engineer car insurance with GEICO.

GEICO Engineer Auto Insurance Rates
Payment FrequencyEngineer Auto Insurance Rates
Monthly$151.00
6-Month$906.00
Yearly$1,812.00
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As an engineer, you can expect to pay anywhere around these two amounts for your auto insurance. Even so, a few additional factors affect how insurance companies determine your auto insurance rates.

These factors include:

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

While engineer auto insurance rates with GEICO are higher than the NAIC national average, you may still be able to pay less than you think.

Comparing auto insurance rates from multiple companies and discussing your options with an agent will help you get the best car insurance for engineers.

Why does being an engineer affect auto insurance rates?

Does employment affect car insurance? For better or worse, employment is a factor auto insurance companies consider when deciding on your rates.

Where you work determines how much you drive, which can raise your premiums.

More drive time increases the chances of an accident and filing claims, which is why a job that requires a lot of driving will usually result in higher rates. Therefore, if an engineer frequently travels by car for work, that person may pay more for auto insurance.

Another factor that often influences auto insurance rates is a person’s level of education. Most engineers have at least a bachelor’s degree or higher. Auto insurance companies consider those with advanced degrees less risky and may offer cheap engineer auto insurance rates accordingly.

How can you find the best deal on engineer auto insurance?

Finding the best deal on engineer auto insurance depends on your coverage needs and your willingness to take time comparing rates from at least three different companies.

Since there isn’t one specific engineer auto insurance company, your best option is to shop around for coverage from multiple auto insurance companies in your area.

It may also benefit you to research what automobile insurance coverage options you need when looking for cheap engineer auto insurance quotes. Don’t pay for coverage you’re never going to use.

Because most engineers work for the state, they may be offered government employee car insurance. Government employee car insurance is auto insurance offered at a discounted rate for people who work for the government.

Most providers will offer some type of discount for government employees, but it’s always a good idea to ask about other auto insurance discounts you may qualify for.

Take a look at the table below for discounts on engineer auto insurance from top providers:

Occupation-Based Discounts Available by Company
Insurance CompanyOffers Further Education DiscountOffers Membership/Group DiscountOffers Occupation DiscountOffers Students & Alumni Discount
21st CenturyNoNoNoNo
AAANoYesNoNo
AllstateNoNoYesNo
American FamilyNoNoNoYes
AmeripriseYesYesNoNo
AmicaNoNoNoNo
Country FinancialYesNoYesNo
EsuranceYesYesYesYes
FarmersNoNoYesNo
GEICOYesYesYesYes
Liberty MutualYesYesYesYes
MetLifeNoYesYesYes
NationwideYesYesYesYes
ProgressiveNoNoNoNo
Safe AutoNoNoNoNo
SafecoYesYesYesNo
State FarmNoNoNoNo
The GeneralNoNoNoNo
The HanoverYesYesYesNo
The HartfordNoYesYesNo
TravelersYesYesYesNo
USAANoNoNoNo
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Regardless of which field you work in as an engineer, comparing auto insurance rates from multiple companies is the best way to find quotes and policies that work for you.

Engineer Auto Insurance: The Bottom Line

Do engineers get cheaper car insurance? Although car insurance for engineers depends on different factors, you may be able to find it at a low cost.

The easiest way for engineers to limit their monthly auto insurance rates is to maintain a clean driving record and reduce their claims.

As most companies consider education, commute mileage, gender, and more, it’s crucial to have an idea of what to expect when you’re getting auto insurance quotes.

Before you buy engineer auto insurance, make sure to research your options and shop around for multiple quotes. Speak up about your profession. Some companies may have unadvertised discounts or programs available to you that will save you lots of money on your auto insurance rates.

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