Auto Insurance for Mechanics (Rates & Discounts)

Auto insurance for mechanics is available through most insurance companies. You will need a commercial policy to ensure you are covered in the event of an accident. The average cost of commercial mechanic's auto insurance is $273. Adding discounts like Progressive's safe driver discount can save you up to $146.

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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: Jun 23, 2021

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What You Should Know

  • If you use a personal vehicle for work, a standard auto insurance policy won’t cover an accident
  • Auto insurance for mechanics comes by way of commercial policies
  • Comparing rates is the best way to find affordable mechanic’s auto insurance

Auto insurance for mechanics can be purchased from most of the top-rated insurance companies. Checking out the State Farm auto insurance review is an excellent place to start searching for a top commercial policy provider. However, comparing rates from various companies ensures an affordable cost.

If you don’t leave your shop for work-related trips, a standard policy may be acceptable. However, if you use your vehicle to pick up parts, meet with customers, or buy items for work, a standard auto insurance policy won’t be enough.

To compare affordable mechanics’ auto insurance quotes, enter your ZIP code now.

What company offers the best auto insurance for mechanics?

If you are a self-employed mechanic, insurance is critical. If you use your vehicle for any work-related tasks, you will need a commercial or business-use auto insurance policy. Mechanics’ auto insurance rates vary. However, they can be more affordable when paired with discounts.

When auto insurance companies figure out your rates, they first figure out how big of a risk it will be to insure you. When it comes to being a mobile mechanic, insurance rates will be higher than those solely working in a shop.

Your mechanic insurance cost is determined by several factors, including:

  • Age
  • Annual Mileage
  • Credit Score
  • Claims
  • Driving Record
  • Location

Progressive and GEICO are well-known for offering lower than average base rates. So, when you want to buy mechanics’ auto insurance, these companies can be an excellent place to start. However, many others may offer you better rates, discounts, and overall costs.

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Do I have to have a commercial auto insurance policy if I work as a mechanic?

More often than not, it will be advantageous to purchase a commercial auto insurance policy if you are a mechanic by profession. There may be some out there that won’t need this because they don’t use their car or truck for work. However, this is pretty uncommon.

As a mechanic, you may end up visiting a customer’s house to pick up or work on their car. Additionally, you could find yourself picking up parts or doing other business-related errands. A standard auto insurance policy will not cover you if you are in an accident while driving for work.

So, if you use your vehicle for anything work-related, you should purchase a commercial or business-use policy to ensure coverage in the event of an accident. Here is a look at some rates for various types of coverage so you can get an idea of what your out-of-pocket costs may be.

Average Annual Auto Insurance Rates by Coverage Type
Coverage TypesAverage Annual Rates
Comprehensive$148
Collision$323
Liability$538
Commercial$900-$1,700
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As you can see, commercial policies are a bit more costly than a standard policy. However, it is well worth the investment to make sure you are covered regardless of the situation you face.

The best way to find an affordable mechanic’s auto insurance company is to compare quotes. Enter your ZIP code now for a quick comparison of rates from various companies.

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