Is your job increasing your car insurance? Study reveals most expensive careers for premiums
Posted by: electime 27th May 2025
- New research reveals the professions paying the most for car insurance
- Delivery drivers, painters, and carpenters face the highest premiums, as do most trade workers
From the make and model of your vehicle to where it’s parked at night, many factors affect the price of your car insurance.
But what drivers might not be aware of is that their careers could be causing higher costs on their insurance premiums.
New analysis from automotive experts at Vertu Motors has uncovered which professions are being hit hardest by insurance premiums.
Using government data, Vertu found that the average UK driver owned a nine-year-old Ford Fiesta, drove 7,400 miles annually, and has comprehensive car insurance with no claims.
A further analysis of a car comparison website revealed insurance premiums vary by occupation, with certain professionals paying significantly more.
| Rank | Profession | Average Quote (Yearly) |
| 1 | Delivery Driver | £431 |
| 2 | Painter | £407 |
| 3 | Carpenter | £406 |
| 4 | Plumber | £403 |
| 5 | Builder | £401 |
| 6 | Scaffolder | £399 |
| 7 | Joiner | £398 |
| 8 | Electrician | £397 |
| 9 | Roofer | £395 |
| 10 | Plasterer | £395 |
| 11 | Cleaner | £394 |
| 12 | Upholsterer | £393 |
| 13 | Farmer | £392 |
| 14 | Labourer | £391 |
| 15 | Chef | £390 |
Topping the list are delivery drivers, who face eye-watering annual premiums of £430, £51 higher than the national average.
Close behind are painters and carpenters, with premiums of £407 and £406, respectively. In fact, many of the top professions facing the highest premiums are in the trades.
A spokesperson for Vertu Motors highlighted the importance of finding the best insurance rates.
” One of the most effective ways to lower your car insurance premiums is by shopping around. Different insurers offer varying rates, so it’s crucial to compare quotes from multiple providers to ensure you’re getting the best deal for your driving needs.
“Another way to bring down your premiums is by increasing your voluntary excess. By agreeing to pay a higher excess in the event of a claim, you can often lower your monthly premium. Just make sure the excess is affordable for you, should you need to make a claim.
“So, while your job may put you at a disadvantage when it comes to insurance costs, being proactive and exploring all available options can help you secure a better deal.”
For more information on finding the best car deals or to browse new cars, visit the Vertu Motors website.
