Auto Insurance for Construction and Skilled Workers (Rates & Discounts)

Construction and skilled workers' auto insurance rates are $151/mo or $1,812/yr with GEICO. However, auto insurance for construction and skilled workers differs for each driver. As usual, some personal factors affect construction and skilled workers' auto insurance rates, including the driver's driving record, vehicle, location, gender, and the auto insurance company.

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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: Jul 18, 2021

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What You Should Know

  • Construction or skilled workers can make up to $48,610 a year depending on experience and education
  • Auto insurance for construction and skilled workers changes based on personal driving habits
  • Construction and skilled workers auto insurance rates are $151 per month or $1,812 per year with GEICO

Construction and skilled workers’ auto insurance may be more expensive than auto insurance offered to other occupations. Because construction and skilled workers often drive a lot for work, they may pay more for auto insurance.

Keep reading to learn more about the best auto insurance companies and policies for construction and skilled workers.

Before jumping in, enter your ZIP code in our free online tool above to compare affordable construction and skilled workers’ auto insurance rates in your area.

How much are construction and skilled workers’ auto insurance rates?

Construction and skilled workers can get affordable auto insurance with most companies. For instance, GEICO construction and skilled workers’ auto insurance rates are $151 per month or $1,812 per year.

As you may already know, auto insurance, including construction and skilled workers’ auto insurance, varies based on personal factors. The Insurance Information Institute lists the following elements:

  • Driving record
  • Mileage
  • Location
  • Age
  • Gender
  • Car
  • Coverage Level

Even though auto insurance companies consider your financial reliability, your frequency of claims is one of their primary concerns. Drivers with increased drive time are at a higher risk of accidents and filing claims, so they may naturally have more expensive rates.

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Does working as a construction and skilled worker affect auto insurance rates?

Again, construction and skilled workers that drive a lot will most likely have more expensive auto insurance rates. Similarly, auto insurance companies reduce auto insurance rates for specific occupational qualifications, such as education.

Auto insurance companies typically see education as suggesting a driver’s potential frequency of accidents or claims. Because a high school diploma, diploma equivalent, or no formal education is required to be a construction and skilled worker, they may have more expensive auto insurance rates.

As of May 2020, construction and skilled worker occupations made an average of $48,610 a year, which was higher than the average yearly earnings for all fields of $41,950.

If you do a lot of driving to and from construction and work sites, your insurance rates may be higher due to more time on the road. Bear in mind that if your vehicle is used for business purposes, you may need commercial insurance.

As you look for auto insurance, it’s essential to compare different companies and their rates to find the best construction and skilled workers auto insurance company for you.

What benefits do construction workers get?

Construction industry employee benefits include life insurance, dental insurance, 401k or other retirement planning options, vision care, disability insurance, and health insurance.

Health benefits for construction workers are typically extended by employers to their full-time employees, while part-time construction employees may have to find their health coverage elsewhere.

Construction and Skilled Workers Auto Insurance: the Bottom Line

Although construction and skilled workers’ auto insurance varies depending on personal factors, it is available from different companies at affordable rates. However, the best ways to minimize construction and skilled workers’ auto insurance rates are comparing multiple companies, maintaining a clean driving record, and keeping claims to a minimum.

It is crucial to look around to find the best construction and skilled workers auto insurance quotes rather than go with the first quote you find.

Finding auto insurance quotes online helps you compare your top companies and find the best construction and skilled workers’ auto insurance coverage for you.

Not yet ready to buy construction and skilled workers auto insurance? Enter your ZIP code into our free online tool to compare multiple companies near you and get the best rates.

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