How much is car insurance for scientists?
The average cost of car insurance for scientists is $2,244 annually, but cheaper rates are available. Grange Insurance has the cheapest rates for scientists at $1,429, but it is only available in 13 states.
Your occupation may affect car insurance costs, with low rates or additional discounts. Since insurance rates vary significantly by state and company, scientists can find cheap car insurance by comparing rates from multiple companies.
| Average annual premium | Average monthly premium |
|---|---|
| $2,244 | $187 |
Average car insurance cost for scientists by company
Grange Insurance offers the lowest car insurance rates for scientists, while Safeway Insurance has the highest. Car insurance rates for scientists 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 scientists by insurer.
| Company | Average base rate | Average rate for scientists | Dollar difference | Percentage difference |
|---|---|---|---|---|
| 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 | $2,981 | $126 | 4% |
| Progressive | $2,569 | $2,103 | $466 | 18% |
| Safeway Insurance | $3,843 | $3,321 | $522 | 14% |
| Western National Insurance | $2,928 | $2,826 | $102 | 3% |
Car insurance rates for scientists by state
Car insurance for scientists ranges from an average of $1,491 per year in New Hampshire to $3,495 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 scientists by state.
| State | Average base rate | Average rate for scientists | Dollar difference | Percentage difference |
|---|---|---|---|---|
| Alabama | $2,116 | $1,919 | $197 | 9% |
| Alaska | $2,167 | $1,786 | $381 | 18% |
| Arizona | $2,420 | $2,208 | $212 | 9% |
| Arkansas | $2,942 | $2,449 | $493 | 17% |
| Colorado | $3,181 | $2,510 | $671 | 21% |
| Connecticut | $2,742 | $2,330 | $412 | 15% |
| Delaware | $3,157 | $2,644 | $513 | 16% |
| Florida | $3,916 | $3,316 | $600 | 15% |
| Georgia | $2,503 | $2,376 | $127 | 5% |
| Hawaii | $1,757 | $1,744 | $13 | 1% |
| Idaho | $1,901 | $1,720 | $181 | 10% |
| Illinois | $1,938 | $1,781 | $157 | 8% |
| Indiana | $1,894 | $1,613 | $281 | 15% |
| Iowa | $2,460 | $2,041 | $419 | 17% |
| Kansas | $2,496 | $2,182 | $314 | 13% |
| Kentucky | $2,624 | $2,234 | $390 | 15% |
| Louisiana | $3,999 | $3,495 | $504 | 13% |
| Maine | $1,808 | $1,514 | $294 | 16% |
| Maryland | $1,999 | $1,796 | $203 | 10% |
| Minnesota | $2,591 | $2,391 | $200 | 8% |
| Mississippi | $2,397 | $1,948 | $449 | 19% |
| Montana | $2,476 | $2,213 | $263 | 11% |
| Nebraska | $2,095 | $1,827 | $268 | 13% |
| Nevada | $3,963 | $3,207 | $756 | 19% |
| New Hampshire | $1,689 | $1,491 | $198 | 12% |
| New Jersey | $3,122 | $2,684 | $438 | 14% |
| New Mexico | $2,577 | $2,188 | $389 | 15% |
| New York | $2,596 | $2,347 | $249 | 10% |
| North Carolina | $2,638 | $2,287 | $351 | 13% |
| North Dakota | $2,439 | $1,984 | $455 | 19% |
| Ohio | $1,783 | $1,685 | $98 | 5% |
| Oklahoma | $2,993 | $2,834 | $159 | 5% |
| Oregon | $2,048 | $1,791 | $257 | 13% |
| Pennsylvania | $2,327 | $1,970 | $357 | 15% |
| Rhode Island | $2,878 | $2,327 | $551 | 19% |
| South Carolina | $2,417 | $1,957 | $460 | 19% |
| South Dakota | $2,575 | $2,332 | $243 | 9% |
| 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 | $1,480 | $355 | 19% |
| Washington, D.C. | $3,465 | $3,215 | $250 | 7% |
| West Virginia | $2,415 | $2,113 | $302 | 13% |
Car insurance discounts for scientists
Scientists receive an average car insurance discount of 13%, reducing the average annual premium from $2,578 to $2,244. Discount amounts vary by insurer, and not every state permits occupation-based pricing.
Some carriers offer car insurance discounts based on a driver’s occupation. Because each car insurance company offers different discounts, finding savings based on your profession may be challenging.
| Premium before discount | Premium after discount | Dollar savings | Percentage savings |
|---|---|---|---|
| $2,578 | $2,244 | $334 | 13% |
How to get cheap car insurance as a scientist
Scientists 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, though 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 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 scientists. Consider rates, discounts, and coverage to find the best insurer for your needs.
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