Auto Insurance for Security and Prison Worker (Rates & Discounts)
If you’re looking for security and prison worker auto insurance, you may find you’re paying more for your coverage than you expect. Companies like GEICO consider some jobs (like security and prison workers) to be higher risk. This could be in part because these are high-stress jobs and prison guards can be armed. Average security and prison worker car insurance rates are $165/mo, compared to an average of $105/mo for lower-risk jobs. You can save by comparing rates and asking about discounts.
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UPDATED: May 2, 2021
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- Security and prison worker auto insurance rates can be expensive because those jobs are considered high-risk by some auto insurance companies
- As a security or prison worker, you may qualify for special discounts for state employees and law enforcement
- You can also save on your security and prison worker car insurance by comparing rates from multiple companies
If you’re a security guard or prison worker, you may be wondering if your job has an effect on your car insurance requirements and rates, and you probably have some questions about security and prison worker auto insurance.
Is being a security or prison worker considered high risk? Are prison guards armed? If so, how does this affect car insurance rates? Where can you get prison insurance?
Understanding auto insurance can help you find the best security and prison worker car insurance coverage for your needs. Read this article for more.
Looking for affordable security and prison worker auto insurance? Use your ZIP code in our free tool to start comparing rates today.
What is security and prison worker auto insurance, and why is it important?
While security guards and prison workers have different responsibilities, both are required (as is everyone) to maintain at least minimum auto insurance liability coverage that meets the limits set in the state in which they reside.
There are no specific auto insurance requirements for security guards and prison workers other than minimum liability. Keep reading to find out how much your coverage can cost.
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How much does security and prison worker auto insurance cost?
Car insurance companies conduct risk assessments of all the people they insure to determine how likely it is that those drivers will cost them money in claims; the likelihood (and therefore the risk), the higher your rates. One of the factors some companies consider is occupation.
GEICO was the first company to include occupation as a factor in risk assessments for auto insurance rates. Look at this table to see how GEICO’s rates for high-risk occupations like security and prison workers compare to lower-risk occupations.
|Occupation||Perceived Occupation Risk Level||Average Monthly Auto Insurance Rate||Average Annual Auto Insurance Rate|
|Security/Prison Worker||High Risk||$165.00||$1,984.00|
|Military Officer (Air Force O1)||Low Risk||$139.47||$1,673.60|
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While you can see that security and prison worker auto insurance rates are higher than for people with lower-risk jobs, you’ll find there are still ways to save.
According to the Bureau of Labor Statistics, prison worker salaries average $47,440 per year, and security guards make $31,080 per year. We know saving on your car insurance rates is important.
The first step to saving on car insurance coverage is to shop around and compare rates.
Some car insurance companies offer discounts for law enforcement and state employees (which both security and prison workers can be, depending on where they work). Ask your auto insurance agent if your insurer offers these discounts, and if so, whether you qualify.
While these jobs can be high risk, if you’re a state employee, discounts are sometimes offered because being a state employee can be perceived as lower-risk from the insurance perspective.
Security and Prison Worker Auto Insurance: The Bottom Line
A car insurance policy for security and prison workers can be more expensive than if you work in a lower-risk job, but there are still ways to save. Compare rates from multiple companies (we recommend at least three) and ask your insurance agent about discounts like law enforcement, state employee, and the good driver discount.
Before you go, if you want to buy security and prison worker auto insurance, enter your ZIP code in the free tool on this page to start comparing security and prison worker auto insurance quotes today.