Cheap Auto Insurance for Mechanics in 2024 (Big Savings With These 8 Companies!)

The lowest rates for cheap auto insurance for mechanics can be found at Erie Insurance, with State Farm and Travelers’ rates close behind.

Erie Insurance has the cheapest rates for mechanics, as well as great coverage options and discounts.

State Farm and Travelers are also great companies for mechanics to look into for car insurance coverage, along with a handful of other popular companies.

Below, we’ll help you understand more about how to find cheap insurance for mechanics.

Our Top 8 Company Picks: Cheap Auto Insurance for Mechanics

You can also enter your ZIP code above to compare quotes from the top providers.

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#1 – Erie Insurance: Top Pick Overall

Pros

• Affordable rates: Erie has the cheapest rates on average for mechanics insurance. You can get additional information on Erie’s basic rates in our Erie auto insurance review.
• Multi-policy discounts: Erie offers a great bundling discount to mechanics who bundle more than one type of insurance, such as home and auto, at Erie.
• Free policy perks: Erie offers reimbursement for pet injuries and more with its basic auto insurance package.

Cons

• Limited availability: Erie is not available in every state, so some unemployed drivers may not be able to get coverage at Erie.
• Eligibility is more limited: Erie’s low rates are partly due to its stricter underwriting process, which means it may be harder for high-risk drivers to qualify for Erie coverage.

#2 – State Farm: Best for Local Agents

Pros

• Local agents: State Farm’s local agents are a great perk, as mechanics can easily get in-person help with their State Farm policy.
• Good financial strength: State Farm has great financial ratings, and as a large company, it is able to keep its rates cheap for most drivers. Learn more here: State Farm Auto Insurance Review
• Multiple discounts: State Farm auto insurance discounts can result in even cheaper car insurance for mechanics.

Cons

• Fewer add-on coverages: State Farm has great coverage options, but drivers looking specifically for modified car insurance or new car replacement insurance will have to look elsewhere.
• Customer satisfaction reviews vary: Because State Farm is a large company with a huge customer base, there are some disgruntled customers who have negative reviews about State Farm’s claims handling and customer service.

#3 – Travelers: Best for Accident Forgiveness

Pros

• Car accident forgiveness: Travelers’ accident forgiveness program can benefit mechanics after their first accident at Travelers by protecting them from increased rates.
• Strong stability financially: Travelers has high financial ratings, so it is able to keep rates low and pay out claims without difficulty.
• Multiple discounts: Travelers has a number of discounts mechanics can benefit from, such as a usage-based discount through IntelliDrive (read more: Travelers IntelliDrive app review).

Cons

• Fewer local agents: Travelers’ local agents aren’t as prominent in some regions, so mechanics may not be able to find a local agent in their area.
• Limited availability: Travelers isn’t available in a handful of states, and its discount and coverage availability varies based on region (learn more in our Travelers auto insurance review).

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#4 – American Family: Best for Bundling Policies

Pros

• Bundling discount: American Family offers a bundling discount to mechanics who purchase more than one type of insurance, as well as multiple other discounts.
• Good customer service ratings: American Family has mostly positive customer service reviews (read more: American Family auto insurance review).
• Loyalty discount: Mechanics who stick with American Family will see lower rates due to American Family’s loyalty discount.

Cons

• Limited availability: American Family auto insurance is not available in every state.
• Add-on coverages lacking: American Family has the majority of coverage types to purchase but is missing a few add-ons like new car replacement insurance or rideshare insurance.

#5 – The Hartford: Best for Organization Discount

Pros

• Organization discounts: Hartford offers organization discounts for different affiliations, such as military, AARP members, and more.
• Multiple coverages: Hartford has a good add-on coverage selection, such as roadside assistance and new car replacement insurance.
• Good customer service reviews: Hartford’s customer service reviews are mostly positive (learn more: The Hartford Auto Insurance Review).

Cons

• Limited availability: Hartford is not available in every U.S. state, so mechanics may not be able to purchase Hartford auto insurance where they live.
• Eligibility restrictions: Hartford markets to drivers older than 50, so younger mechanics should look elsewhere for insurance.

#6 – Nationwide: Best for Usage-Based Discount

Pros

• Usage-based program: Nationwide’s Smartride program offers a 10% discount just for signing up with the program (learn more in our Nationwide Smartride app review).
• Strong financial ratings: Nationwide is financially secure, making it easier for Nationwide to keep rates low and pay out claims.
• Good coverage selection: Nationwide has multiple add-on coverages to choose from, such as roadside assistance.

Cons

• Limited availability: Nationwide insurance coverage is unavailable in a few states.
• Mixed customer reviews: Nationwide has some negative customer reviews about its customer service and claims. Learn more in our Nationwide auto insurance review.

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#7 – Farmers: Best for 24/7 Support

Pros

• Usage-based discount: Mechanics can save with Farmers’ Signal program (read more: Farmers Signal Review).
• 24/7 support: Farmers offers 24/7 roadside assistance support, as well as 24/7 support on claims and policies (read more: Farmers Auto Insurance Review).
• Strong financial ratings: Farmers has strong financial ratings, making it easier for Farmers to maintain rates and pay claims.

Cons

• Mixed customer reviews: Farmers has some negative reviews from customers regarding customer service and claims handling.
• Limited availability: Farmers’ auto insurance is not available in a handful of states.

#8 – National General: Best for Vanishing Deductibles

Pros

• Vanishing deductible: National General’s vanishing deductible program can help mechanics save over time if they stay accident-free.
• Multiple add-on coverages: National General has a good selection of auto insurance coverages to chose from, which you can read more about in our National General auto insurance review.
• Local agents: National General has a large network of in-person agents, making it easier for mechanics to find in-person assistance.

Cons

• Mixed customer service reviews: National General has some negative reviews regarding claims handling.
• Higher rates for low-risk drivers: National General caters to high-risk drivers, so low-risk drivers may have higher rates at National General than at another company that specializes in low-risk drivers.

Auto Insurance for Mechanics

If a mechanic owns and operates a vehicle, they’re responsible for purchasing car insurance. However, it depends on where you live as to how much insurance you are required to buy to meet your state’s laws. 

States have different regulations regarding how much auto insurance you need on your car. While all states require some liability coverage, some states also require drivers to purchase personal injury protection (PIP) auto insurance, medical payments (MedPay), and uninsured or underinsured motorist coverage.

The table below shows the types of auto insurance and amount required by state:

Liability Auto Insurance Coverage Requirements by State

You should also compare automotive business insurance cost from various companies if you need commercial auto insurance coverage for your mechanic business. Some companies even offer mechanics tool insurance if your equipment gets damaged.

While insurance companies often help policyholders ensure they meet their state’s requirements for coverage, it is ultimately each driver’s responsibility to carry the proper coverage before getting behind the wheel.

Full Coverage Auto Insurance for Mechanics

We recommend that mechanics who own cars less than 10 years old should consider purchasing a full coverage auto insurance policy to ensure they are taken care of if they’re ever in an accident. 

Learn more: What is full coverage auto insurance? 

Full car insurance coverage includes both collision auto insurance — which covers accident-related damage to your vehicle — and comprehensive insurance — which covers theft, vandalism, damage from inclement weather, and other non-accident-related damage.

While a full coverage policy is extremely helpful, full coverage on a vehicle can be costly. The table below compares the cost of liability coverage with a full coverage policy at each compamy.

Mechanics Average Auto Insurance Rates From Top Providers

Since full coverage can cost more than double what liability costs, it makes sense that plenty of people want to avoid purchasing a full coverage policy. However, don’t dismiss full coverage completely until you get quotes from the cheapest companies. 

Mechanics, of all people, are the most likely group to be able to go with a liability policy and not worry. After all, mechanics can probably fix most issues with or damage to their vehicles. However, you should get self-employed mechanic full coverage insurance for complete protection.

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Mechanic Auto Insurance Cost

The amount you pay for mechanic insurance will depend on several different factors, including:

• Age
• Gender
• Marital status
• Occupation
• Driving history
• Credit score
• Car make and model
• ZIP code

Some insurance companies consider a person’s career when determining monthly and annual auto insurance rates. However, for most insurance companies, mechanics sit right in the middle of the pack when determining risk.

Mechanic insurance rates also depend on the coverage a mechanic chooses to purchase. Coverage type is arguably essential in determining a mechanic’s car insurance rates. Mechanics could spend anywhere from a few hundred dollars a year to $5,000 annually, depending on the coverage they have on their policy.

How to Save on Mechanic Auto Insurance

Besides purchasing a low-coverage policy, mechanics can save money on car insurance by choosing a higher deductible or shopping online for quotes.

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Since mechanics can handle many car repairs independently, they may want to choose a higher car insurance deductible and save money on their monthly premiums. However, this would mean they would have to pay more money if they filed a claim with their insurance company. 

Another way to save on mechanic car insurance is to apply for discounts at the cheapest companies.

Mechanics can also save money by comparing cheap auto insurance quotes from multiple providers to see which offers the coverage they need at a price that works with their budget.

More About Auto Insurance for Mechanics

You must have self-employed mechanic insurance for your car if you own an auto repair shop. While you only need to meet your state’s minimum liability requirements to drive legally, you should consider purchasing additional coverage, such as collision or comprehensive auto insurance, to ensure you’re covered in an accident.

Choosing higher auto insurance deductibles on your policy or comparing car insurance quotes can help you lower your insurance rates for mechanics. To find affordable mechanics car insurance today, enter your ZIP code into our free quote tool. 

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