Auto Insurance for Scientists (Rates & Discounts)

Personal auto insurance for scientists is around $1,080/yr. However, scientist car insurance varies for each person. Auto insurance quotes for scientists are determined by various factors, such as driving record, credit history, and age. But you can secure affordable auto insurance for scientists by comparing multiple companies and shopping around for 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: Apr 29, 2021

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What You Should Know

  • The average cost of full coverage auto insurance is $1,080/yr
  • After calculating factors that determine rates, your auto insurance is more expensive than the NAIC average
  • Customers can slash scientist auto insurance rates with discounts

Contrary to what you’ve seen online, it’s not difficult to buy auto insurance for scientists. Scientist car insurance is no different than insurance for a police officer or a doctor.

The key to cheap auto insurance is in the factors that determine the cost and the company you choose for insurance service.

Read through our guide to see how to compare auto insurance quotes, what factors have the most significant effect on auto insurance, and other services you may need as a scientist.

If you want to expand your search for auto insurance quotes for scientists, use our free online quote tool above to compare the best companies in your local area.

How much are auto insurance rates for scientists?

Insurance for scientists, engineers, forensic experts all depends on factors that determine auto insurance. The most significant factors that impact auto insurance for scientists are:

  • Driving Record
  • Credit Score
  • Coverage Level
  • Age
  • Location

According to the National Association of Insurance Commissioners (NAIC), full coverage auto insurance is about $1,080 per year. However, your car insurance rates will vary by company.

Let’s look at auto insurance costs by the best auto insurance companies in the United States.

Average Annual Auto Insurance Rates by Company
CompanyAverage Annual Auto Insurance Rates
Allstate$4,533
American Family$3,699
Farmers$3,910
GEICO$3,074
Liberty Mutual$5,296
Nationwide$3,187
Progressive$3,935
State Farm$2,731
Travelers$3,729
USAA$2,489
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If you’re in the military or in the family of someone in the military, you’re eligible for the cheapest rates on the list. GEICO, Nationwide, and State Farm are good options for affordable auto insurance for scientists.

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What discounts can help lower scientist auto insurance?

Scientists who drive vehicles with safety features and anti-theft features can save money at least 15 percent on their auto insurance policies. Vehicles equipped with safety precautions and anti-theft systems decrease the chance of a claim.

You can even stack car insurance discounts by maintaining a clean driving record and good credit. A car insurance provider may even lower your rates in the middle of your policy for not filing claims.

Even driving your vehicle less than average can reassure cheaper premiums.

Other Insurance Products to Consider as a Scientist

Forensic scientist insurance, data scientist insurance, and farmers insurance for data scientists are all specialty insurance policies you may need for your science-related business.

Some top insurance companies may not have a science-focused insurance policy, but most have a commercial business sector.

These departments usually carry general liability insurance, commercial auto insurance, and non-owner auto insurance.

Hartford is one of those companies that provide technology insurance for scientists. It offers reduced risk with biotech insurance and other data protection plans. Here’s a list of coverages you can buy for a Hartford science insurance policy:

  • Data Breach Insurance
  • Computer and Media Insurance
  • Business Insurance
  • Life Science Insurance
  • Non-Owner Auto Insurance
  • Commercial Auto Insurance
  • Workman’s Compensation

If you’re in a science-related business, it’s beneficial to bundle these policies together to save money. But, a scientist who needs a personal car insurance policy won’t need elaborate policies unless they have equipment that should be insured.

Auto Insurance for Scientists: What’s the bottom line?

Scientist auto insurance rates are cheaper than average if the driver maintains a clean driving record, good credit, and drives a vehicle with safety features. All of these factors correlate to lower risks of filing claims.

Now that you know more about auto insurance for scientists, enter your ZIP code to compare the best insurance companies near you to secure cheap auto insurance rates.

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