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Methodology

Average premium data collected by Confused.com between 1 December 2018 and 21 Jan 2020.

Information collected from occupations where at least 1,000 records are held per occupation.

Prices based on social & commuting, business, commercial travelling and social only use.

Why does my job affect my car insurance?

One in four (25%) of UK drivers are confused about why their job affects their car insurance costs. So we've broken this down for some of the occupations with the highest and lowest premiums.

character with football

1

Footballers tend to have a luxurious lifestyle and drive pricier cars. This makes them expensive to repair after an accident. Insurers also risk paying out a lot of money for injury claims for the driver and their passengers.

Avg time licence held

4 years

Avg vehicle value

£16,956

Avg annual mileage

9,264

Avg age

23

police cadet character in uniform

2

Police cadets tend to be younger, which generally means higher car insurance costs. They also drive less than other drivers, averaging about 4,000 miles per year. This suggests they could be less experienced on the road.

Avg time licence held

4 years

Avg vehicle value

£4,740

Avg annual mileage

3,761

Avg age

23

currency trader character with phone

3

The average price of a car owned by a currency trader is more than £14,000, making it an expensive risk for insurers. This means their car insurance costs are three times more than the average UK driver.

Avg time licence held

7 years

Avg vehicle value

£14,287

Avg annual mileage

6,632

Avg age

28

delivery driver character with pizza box

4

Fast food delivery drivers often use their own car to do their jobs. This means they're spending a lot of time on the road, which puts them at a higher risk of accidents.

Avg time licence held

9 years

Avg vehicle value

£2,689

Avg annual mileage

7,161

Avg age

35

car and motor dealer character in suit

5

Car dealers don't live the luxury lifestyle of a footballer, but they're more likely to have newer cars. This makes them more expensive to repair in the event of an accident.

Avg time licence held

10 years

Avg vehicle value

£8,245

Avg annual mileage

5,862

Avg age

32

school finance character with file

1

School staff, like finance officers, have the luxury of parking in a secure, private car park for most of the day. This puts them at a lower risk of theft or accidents.

Avg time licence held

22.5 years

Avg vehicle value

£8,005

Avg annual mileage

7,646

Avg age

50

senior inspector character in uniform

2

Police have often completed advanced driving training. This makes them more experience and skilled drivers, making them a lower risk to insurers.

Avg time licence held

21 years

Avg vehicle value

£10,215

Avg annual mileage

8,469

Avg age

42

Countryside ranger character in uniform

3

Countryside rangers own cars with a lower value compared to some other occupations. This means they're less likely to make expensive claims in the event of an accident.

Avg time licence held

14 years

Avg vehicle value

£3,706

Avg annual mileage

9,305

Avg age

36

chiropodist chracter in lab coat

4

Chiropodists tend to be experienced drivers, meaning they enjoy lower car insurance costs. They may also get the benefit of parking in secure locations for most of the day. Having this security makes them less of a risk for theft or accidents.

Avg time licence held

20 years

Avg vehicle value

£8,246

Avg annual mileage

8,718

Avg age

48

publising editor character

5

Publishing editors tend to drive less expensive cars than other professionals. This means they're less likely to make expensive claims. They also have the benefit of 16 years' driving experience, on average.

Avg time licence held

16 years

Avg vehicle value

£5,523

Avg annual mileage

7,357

Avg age

41

Why does car insurance vary?

Your job can have an impact on how much time you spend on the road or how much you're likely to spend on a car. But these aren't the only factors insureres will use when pricing up your car insurance. In fact, driving experience is equally as important.

You can see below how each of these factors can have an impact on the average price of car insurance.

The key to getting the best car insurance is to be as accurate as possible. Choosing the closest job role or annual mileage will mean you're getting the best price for you. Always tell your insurer if your job title or any other circumstance changes. This makes sure your policy remains accurate.

Confused about how you can reduce your car insurance costs?

Read our guide
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