Car insurance for lawyers: Rates and discounts

How much is car insurance for lawyers?

The average cost of car insurance for lawyers is $2,284 annually, but cheaper rates are available. Grange Insurance has the cheapest rates for lawyers at $1,429, but is only available in 13 states.

Your occupation may affect car insurance costs, resulting in lower rates or additional discounts. Since insurance rates vary significantly by state and company, lawyers can find cheap car insurance by comparing rates from multiple companies.

Car insurance for lawyers
Average annual premium	Average monthly premium
$2,284	$190

Average car insurance cost for lawyers

Grange Insurance offers the lowest car insurance rates for lawyers at $1,429 on average, and Safeway Insurance offers the highest at $3,321 on average. Car insurance rates for lawyers vary between companies. Each insurer has its own formula for calculating risk, so rates can vary significantly.

This table shows the average car insurance rates for lawyers by insurer.

Car insurance cost for lawyers by company
Company	Average base rate	Average rate for lawyers	Price difference in $	Price difference in %
Acuity Insurance	$2,994	$2,905	$89	3%
Auto Club Group (AAA)	$1,834	$1,769	$65	4%
Country Financial	$2,298	$2,256	$42	2%
Farmers	$3,207	$3,184	$23	1%
GEICO	$2,159	$1,952	$207	10%
Grange Insurance	$1,512	$1,429	$83	5%
Mercury Insurance	$3,107	$3,013	$94	3%
Progressive	$2,569	$2,174	$395	15%
Safeway Insurance	$3,843	$3,321	$522	14%
Western National Insurance	$2,928	$2,826	$102	3%

Car insurance cost for lawyers by state

Car insurance for lawyers ranges from an average of $1,530 per year in New Hampshire to $3,549 in Louisiana. State insurance requirements and local risk factors affect premiums. Some states also restrict the use of occupation in rate calculations, which affects the availability of profession-based discounts.

The table below shows the average cost of car insurance for lawyers by state.

State	Average base rate	Average rate for the lawyers	Price difference in $	Price difference in %
Alabama	$2,116	$1,940	$176	8%
Alaska	$2,167	$1,824	$343	16%
Arizona	$2,420	$2,242	$178	7%
Arkansas	$2,942	$2,596	$346	12%
Colorado	$3,181	$2,608	$573	18%
Connecticut	$2,742	$2,362	$380	14%
Delaware	$3,157	$2,701	$456	14%
Florida	$3,916	$3,356	$560	14%
Georgia	$2,503	$2,376	$127	5%
Hawaii	$1,757	$1,744	$13	1%
Idaho	$1,901	$1,720	$181	10%
Illinois	$1,938	$1,803	$135	7%
Indiana	$1,894	$1,629	$265	14%
Iowa	$2,460	$2,114	$346	14%
Kansas	$2,496	$2,207	$289	12%
Kentucky	$2,624	$2,379	$245	9%
Louisiana	$3,999	$3,549	$450	11%
Maine	$1,808	$1,555	$253	14%
Maryland	$1,999	$1,819	$180	9%
Minnesota	$2,591	$2,391	$200	8%
Mississippi	$2,397	$1,971	$426	18%
Montana	$2,476	$2,213	$263	11%
Nebraska	$2,095	$1,855	$240	11%
Nevada	$3,963	$3,271	$692	17%
New Hampshire	$1,689	$1,530	$159	9%
New Jersey	$3,122	$2,684	$438	14%
New Mexico	$2,577	$2,367	$210	8%
New York	$2,596	$2,347	$249	10%
North Carolina	$2,638	$2,287	$351	13%
North Dakota	$2,439	$2,057	$382	16%
Ohio	$1,783	$1,685	$98	5%
Oklahoma	$2,993	$2,895	$98	3%
Oregon	$2,048	$1,820	$228	11%
Pennsylvania	$2,327	$2,007	$320	14%
Rhode Island	$2,878	$2,356	$522	18%
South Carolina	$2,417	$2,029	$388	16%
South Dakota	$2,575	$2,326	$249	10%
Tennessee	$2,235	$1,790	$445	20%
Texas	$3,106	$2,655	$451	15%
Utah	$2,356	$2,139	$217	9%
Vermont	$1,660	$1,500	$160	10%
Virginia	$1,835	$1,531	$304	17%
Washington, D.C.	$3,465	$3,215	$250	7%
West Virginia	$2,415	$2,169	$246	10%
Wisconsin	$2,343	$2,273	$70	3%

Car insurance discounts for lawyers

Lawyers receive an average car insurance discount of 11%, reducing the average annual premium from $2,578 to $2,284. Discount amounts vary by insurer, and not every state permits occupation-based pricing.

Car Insurance Discounts for Lawyers
Premium before discount	Premium after discount	Dollar savings	Percentage savings
$2,578	$2,284	$294	11%

How to get cheap car insurance as a lawyer

Lawyers looking for affordable car insurance should compare quotes from several insurers, ask about occupation-based discounts, and check savings for safe driving or bundling policies. Choosing appropriate coverage limits and deductibles also helps control premiums without sacrificing needed protection.

“Educators and the military are the most common, but you can find a company that discounts for almost any field; but it doesn't mean that it'll add up to a meaningful amount,” says Zack Pope, agency manager at David Pope Insurance in Union, Missouri. “Some states also do not allow for rating on job fields because of ethics. We have several companies that just ask if the person is employed or not.”

Fortunately, there are other ways to save on car insurance besides lower rates and discounts for your profession.

First, check for other car insurance discounts you may be eligible for. For example, you may qualify for savings such as safe driver, multi-policy, and paying your premium in full. Most insurers allow you to stack discounts for the most significant savings.

Next, consider joining a professional organization. Some insurers, such as GEICO, offer discounts to drivers who are members of specific organizations.

Additionally, your personal factors affect car insurance rates. Consider adjusting coverage limits and deductibles to lower your rates. Maintaining a clean driving record and a high credit score can also help you save on car insurance.

Finally, compare rates from multiple companies to find the cheapest car insurance for lawyers. Consider rates, discounts, and coverage to find the best insurer for your needs.