Auto Insurance for Athletes (Rates & Discounts)

Athlete auto insurance is higher than average. Collegiate athletes are in the age range of high-risk drivers, but pro athletes are known to purchase sports and luxury vehicles. Therefore, athlete auto insurance rates may be higher than the $90/mo average. You can secure affordable athlete auto insurance quotes by shopping around and comparing the best rates.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Mar 26, 2021

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What You Should Know

  • College athletes have expensive auto insurance rates because of their age
  • Pro athletes cars are usually sports cars or luxury vehicles
  • All athletes can qualify for cheaper auto insurance through discounts and other factors

Athlete auto insurance quotes can be more expensive than average, but you can qualify for cheap auto insurance through coverage options and discounts.

Read through this brief guide to learn how to compare auto insurance quotes for athletes.

Although you can’t get athlete auto insurance rates explicitly, you can get an auto insurance quote. Enter your ZIP code in the free comparison tool above and compare multiple companies in your local area to find affordable auto insurance.

How much is auto insurance for athletes?

That depends on the company, vehicle, age, and driving record of the driver.

According to the National Association of Insurance Commissioners (NAIC), full coverage auto insurance is $1,078 per year or $90 per month, on average.

However, athlete car insurance rates are more expensive than average Read on to learn why.

Pro Athlete Auto Insurance Rates

Professional athletes usually purchase high-value motor vehicles. Cars that are worth more than $50,000 carry a higher than the average car insurance premium.

Let’s look at the full coverage auto insurance cost of sports cars and luxury vehicles as an example.

  • 2020 Mercedes-Benz C300 – $1,622/yr or $135/mo
  • 2020 Dodge Challenger – $1,664/yr or $139/mo
  • 2020 Cadillac Escalade – $1,876/yr or $156/mo

These rates are based on a 40-year-old driver with a $500 deductible on full coverage car insurance. Drivers under 30 would pay significantly higher premiums.

For example, a 23-year-old pro athlete could pay around $6,000 per year for auto insurance on a 2020 Cadillac Escalade.

However, any policyholder can cut expensive insurance rates with discounts. And the fastest way to a good discount is a clean driving record and good credit.

College Athlete Auto Insurance Rates

Student-athletes may want to consider staying under a parent’s auto insurance policy because it can get expensive if they get a policy.

To give you an idea of what we mean, let’s look at how much car insurance costs for young adults and compare them to other age groups.

Average Monthly Full Coverage Auto Insurance Rates by Age Range
Age RangeAverage Monthly Full Coverage Auto Insurance Rates
16–17 $508
18–19 $361
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Most college students are between 18 and 24 years old. Based on the information above, we can see two age groups with higher than average monthly car insurance rates.

It’s recommended that young adults remain under a parent or guardian’s auto insurance so they can avoid costly insurance premiums per month.

For more information, check out our guide on how age affects auto insurance rates.

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What kind of auto insurance do professional athletes need?

All drivers need liability car insurance. However, pro athletes’ cars tend to be worth more than most drivers, so optimal coverage, like full coverage insurance, is recommended.

In addition to collision and comprehensive coverage, athletes need to invest in GAP insurance, rental car reimbursement, emergency roadside assistance, and mechanical breakdown insurance (if available).

Does success increase auto insurance risk?

The biggest car insurance companies insure pro athletes. Some of the more prominent athletes in the world even receive endorsements from auto insurance companies.

Successful athletes can customize their insurance solutions like anyone else, but their budget can get them a massive line of insurance solutions.

One of those solutions happens to be risk management and athlete disability insurance. Specialty insurance products may not be directly advertised, so athletes should ask about any affiliate programs to meet their needs.

Athlete Auto Insurance: What’s the bottom line?

Athlete auto insurance is another way of saying auto insurance for athletes. Whenever you get a quote, you’ll list your occupation along with your driving record, vehicle, and how much you’ll travel during coverage.

Pro athletes are known for their expensive tastes in cars, so car insurance for high-earning athletes is more costly than average.

Before you buy athlete auto insurance, use our free online quote tool below to compare the best companies near you.

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