When it comes to calculating car insurance premiums, insurers consider a wide range of factors — and one of the more surprising is your job title. Many drivers don’t realise that your occupation can significantly influence the cost of your cover, even when your actual day-to-day duties seem low risk.
Insurance providers use statistical data to evaluate which professions are more likely to make a claim or be involved in accidents. This isn’t necessarily about how dangerous your job is, but rather how it’s been associated with driving behaviours, mileage, work patterns, and claim history over time.
At Einsure, we help drivers across the UK understand what affects their quotes. Below, we reveal three occupations that typically face some of the highest car insurance premiums, and why that’s the case.
1. Professional Footballers and Athletes
It might come as no surprise that professional sportspeople – particularly footballers – are often quoted high insurance premiums. But it’s not just about expensive vehicles.
Why the higher premiums?
High-value cars: Many athletes drive performance or luxury cars, which are more costly to insure.
Public profile: Higher visibility and greater exposure to risk (e.g. theft or vandalism).
Irregular working hours and long drives to fixtures or training grounds.
Even if the vehicle is garaged or well protected, insurers take the overall profile into account. If you’re a sports professional or work in the sports industry, it’s wise to shop around — comparison tools like Einsure can help you find insurers with more favourable attitudes toward your profession.
2. Entertainment Industry Professionals
Jobs such as musicians, DJs, actors, dancers, and television presenters often fall into higher risk brackets for insurers. These occupations involve unpredictable schedules, travel to various locations, and late-night work — all of which increase the perceived risk.
Why the higher premiums?
High mileage or frequent travel to gigs, venues, or studios.
Driving at unsociable hours, often associated with more accidents.
Carrying expensive or bulky equipment.
Vehicles potentially left in public or unfamiliar areas overnight.
For entertainers or freelancers in creative roles, it’s worth exploring how slight changes in your job title can influence your quote. A sound engineer, for instance, may be quoted less than a DJ — even if the duties are very similar.
3. Fast Food Delivery Drivers and Couriers
Drivers working in food delivery or courier services often face significantly higher premiums. These roles involve constant driving, often under time pressure, and during peak risk hours (like evenings or weekends).
Why the higher premiums?
Higher exposure to road traffic accidents due to time spent driving.
Frequent stop-start driving in urban environments.
Use of personal vehicles for commercial purposes.
Higher likelihood of wear and tear, which can lead to claims.
It’s essential to ensure that your policy covers business use if you’re working as a delivery driver or courier. Failing to disclose this can invalidate your insurance, even if the job is temporary or part-time.
Can You Lower Your Premium If You Work in One of These Jobs?
Yes, in many cases. Here are a few tips:
Check alternative job titles: Some titles are viewed more favourably than others. For example, “writer” may be cheaper to insure than “journalist”, depending on the insurer’s data.
Limit your mileage where possible.
Increase your voluntary excess (within reason).
Add a named driver with a strong driving history, if appropriate.
Use a comparison site like Einsure to find the most competitive quote tailored to your job.
Even if your job places you in a higher-risk category, shopping around is one of the most effective ways to reduce your premium.
Compare with Einsure and Save
At Einsure, our goal is to make finding car insurance simple and transparent. With just a few quick details, you can compare quotes from a range of top UK insurers, adjusting your policy to suit your personal circumstances — including your occupation.
Understanding how your job affects your premium is the first step. Comparing policies with Einsure is the next.