Auto Insurance for Professional Designers (Rates & Discounts)
Auto insurance for professional designers isn't a standard policy. You need a commercial auto insurance policy if involved in an accident while driving for work. As a design professional, your commercial policy may qualify for discounts like Progressive's safe driver discount that can save you up to $146.
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UPDATED: Jul 9, 2021
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- Auto insurance for professional designers is going to require a commercial policy
- If in an accident while on the job, standard auto insurance won’t cover your claim
- Insurance for design professionals is available through top-rated auto insurance companies
If you are looking for auto insurance for professional designers, most companies will carry the type of policy you need. While a standard policy is excellent for the day-to-day, it isn’t going to cover an accident while using your car for work.
Whether you or a team member must drive to drop off, pick up, or quote a design job, you will want a commercial or business-use policy.
Whether you’re looking for insurance for interior designers or you’re a different type of professional designer, knowing how to compare auto insurance quotes will save you time and stress.
However, comparing affordable auto insurance for design professionals is the best way to save. Enter your ZIP code here to see quick quotes from the top insurers.
Do I need a commercial policy as a design professional?
Most of the time, you will want to carry a commercial auto insurance policy as a design professional. Insurance for professionals is available in a couple of different policy types. Many designers will opt for a commercial policy.
A commercial policy is going to provide coverage when you are driving your car for anything business related. While design professional covers a lot of categories, if you are a graphic designer only using your vehicle to drive to the office, a commercial policy is not needed.
Whether you are taking samples to a client, picking up furniture, or providing an estimate, a commercial policy will cover you, your car, and the work-related items you are carrying.
Commercial policies can cover your work vehicle or your vehicle. Additionally, auto insurance quotes for professional designers are available from top-rated companies. They offer commercial and business-use policies.
It is important to note that insurance for design professionals is not the same as professional liability. Professional liability insurance is business insurance, not auto insurance.
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What auto insurance company is the most affordable for professional designers?
While most of the top-rated auto insurance companies will have a commercial policy available, not all are affordable. Auto insurance is very individualized, and there are a number of factors that will play into your specific rate.
Auto insurance companies figure out the risk level to insure you by looking at:
- Annual Mileage
- Driving Record
- Credit History
- Education Level
Progressive and GEICO are both known for offering excellent base rates. Add in the discounts they have available and you can really find some great savings and rates.
Our GEICO auto insurance review can tell you more. Here is a look at some sample auto insurance rates for professional designers from Progressive to give you an idea of what you may be paying for a commercial policy.
|Type of Auto Insurance Coverage||Average Monthly Rates from Progressive||Average Monthly Rate Increase (Compared to a Personal Policy Alone)|
|Personal Auto Insurance (No Delivery)||$105.83||N/A|
|Personal Auto Insurance (Delivery)||No Coverage Available||No Coverage Available|
|Business + Personal Auto Insurance||$296.83||180.47%|
|Commercial Auto Insurance||$273.08||158.03%|
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As you can see, you will pay a bit more for a commercial policy. In the case of Progressive, a business-use policy will cost more than a commercial policy. This is why shopping around is so important.
When you are ready to buy auto insurance for professional designers, enter your ZIP code and see who can save you the most.