Auto Insurance for Pilots and Navigators (Rates & Discounts)

Pilot and navigator auto insurance can be at least 12% lower than average auto insurance rates. Certain discounts can be offered for affordable pilot and navigator car insurance such as low mileage and safe driver. Commercial pilot insurance may also be sold by some auto insurers as well as student pilot insurance.

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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: Aug 31, 2021

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What You Should Know

  • Occupations deemed “low risk” like pilots and navigators are typically granted lower auto insurance rates
  • On average, pilots and navigators save at least 12% on car insurance
  • Some auto insurance providers offer commercial services that extend to planes

Auto insurance rates have many factors that are not simply limited to age, driving behavior and, type of car. Other factors include your travel pattern, your location, and even your occupation.

Educators, nursing professionals, law enforcement officers, and airline pilots and navigators have some of the lowest auto insurance rates based on occupation.

Finding auto insurance quotes online for pilots and navigators means taking a look at the different auto insurance rates offered as well as auto insurance discounts which will be explored below.

Use the free tool above to type in your ZIP code for pilot and navigator auto insurance quotes in your area.

Pilot and Navigator Auto Insurance Rates

How does my occupation raise or lower an auto insurance quote?

The answer is that risk-based strategies are used to measure stress levels, travel times, overtime,  and other such factors associated with a certain profession.

OccupationAverage Monthly RateAverage 6- Month Premium Average 12-Year Premium
Nurses$123.50$741.50$1,483.00
Teachers$123.14$738.87$1,477.75
Police Officers $124.71$748.30$1,496.60
Pilots $123.81$742.86$1,485.78
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Pilot and navigator auto insurance rates are typically lower due to the occupation requiring rigorous testing for driving and acuity as well as other detail-orientated tasks.

Learn how to compare auto insurance quotes for an option that fits your needs

Pilot and Navigator Auto Insurance Discounts

On average, pilots and navigators save 12% with some auto insurers due to their occupation.

Other types of pilot and navigator auto insurance discounts can include low mileage and multiple vehicle discounts. Pilots and navigators may be less prone to long driving times to and from work.

Discount TypeAllstate GEICOFarmers Liberty Mutual Nationwide Progressive State FarmTravelers
Accident Free XXXXXXX
Low Mileage XXXXX
Safe Driver XXXXXXX
Usage BasedXXX
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Commercial Pilot and Navigator Insurance

Not all pilots and navigators fly for commercial airlines. Private aircrafts are an alternative option. If you’re a pilot or navigator flying privately you’ll need commercial insurance.

Some auto insurance providers like USAA offer commercial pilot insurance as well as auto insurance. Other providers include:

  • Travelers
  • Liberty Mutual
  • State Farm

As mentioned above, not all car insurance providers include aviation services. Some providers depend on reinsurance to cover extra liability.  

On average, this type of commercial insurance ranges between $200-$600. Affordable pilot and navigator insurance rates depend on the size of the plane, the type of plane, and a few other factors.

Students can also take advantage of pilot and navigator insurance through student pilot insurance otherwise known as renters insurance.

The Aircraft Owners and Pilots Association (AOPA) has tips about aviation insurance.

Pilot and Navigator Auto Insurance at a Glance

Going to work as a pilot or navigator can typically help you save on auto insurance. You can buy pilot and navigator auto insurance with rates at least 12% lower than average.

You can also save on p
ilots and navigator auto insurance quotes by qualifying for one or more standard discounts such as low mileage and safe driver.

Comparing pilot and navigator auto insurance rates from different providers will help you choose the option that’s the best fit for you. 

Search pilot and navigator auto insurance quotes in your area by entering your ZIP code in the free tool below. 

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