Auto Insurance for Architects (Rates & Discounts)
Auto insurance for architects is about $90/mo. However, architect car insurance varies for each person. Different factors affect architect auto insurance, but the most significant are driving record, vehicle, and the auto insurance company. To secure cheap car insurance, architects should compare multiple companies to find the best rates.
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UPDATED: Jun 23, 2021
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- Auto insurance for architects is the same as any driver in the United States
- You’ll need commercial auto insurance if you have more than three vehicles to insure
- Architect auto insurance may be paired with other insurance products
Architects are the minds behind a lot of structures in the United States. But what does auto insurance for architects look like?
Whether you’re a freelance architect or an architect designer for a company, you can secure cheap auto insurance rates.
Continue reading to learn more about how to compare auto insurance quotes online and what insurance an architect should have.
To complement your freelance architect insurance or insurance for architectural designers, enter your ZIP code in the free comparison tool above to compare the best auto insurance companies in your area.
How much are architect auto insurance rates?
Architects are eligible for cheap auto insurance with any company. On average, architect car insurance can cost $1,078 per year or $90 per month.
However, car insurance for architects varies based on personal factors. The most important factors are:
- Gender (outlawed in some states)
- Credit Score
- Location (State and ZIP Code)
- Coverage Level
- Driving Record
- Auto Insurance Company
- Commute Mileage (estimated miles traveled per year)
Although auto insurance companies consider financial reliability, they mostly pay attention to the frequency of claims. Architects who drive more than the average person could face more expensive rates.
How come? The more you drive, the greater your chances of getting into an accident and potentially filing a claim.
It’s essential to shop around to find the best architect auto insurance quotes. Don’t go with the first quote you get. To secure affordable architect auto insurance, compare the best companies.
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What other insurance products do architects need?
Any working architect needs additional insurance to protect themselves from massive out-of-pocket costs. Most architectural freelancers and businesses carry several types of insurance.
Here’s a list of a few common architect insurances and how they’re yearly costs.
- 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.
Does being an architect affect auto insurance rates?
According to the U.S. Bureau of Labor Statistics, architects earn a median income of $82,320 annually. They also have at least a bachelor’s degree. Below are a few basic statistics.
|2019 Median Pay||$80,750 per year|
|2019 Median Hourly Pay||$38.82 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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Working architects are high-earning individuals and are highly educated. Auto insurance companies tend to offer lower rates to people with a higher level of education, so being an architect can mean lower rates.
There are no specific auto insurance discounts for architects, although some companies may offer a discount to members of certain groups and associations. If you’re a member of the American Institute for Architects, for instance, you may get a discount from some companies. Other factors like driving record will carry more weight, however, than what you do for a living.
Auto Insurance for Architects: What’s the bottom line?
Architects have access to cheap auto insurance like any other person working in the United States. However, your rates as an architect depend on various factors.
Understanding auto insurance isn’t hard at all. The best way for architects to keep monthly car insurance payments low is to maintain a clean driving record and keep their claims to a minimum.
Now that you have an idea about auto insurance for architects, use our free comparison tool to compare multiple companies near you and get the best rates.