Worst jobs for car insurance revealed

Healthcare assistants and warehouse workers face some of the steepest car insurance premiums in 2025, averaging over £1000 a year, new analysis has revealed.

Accountants, delivery drivers and company directors are also clobbered on car insurance because of their job title, with some job titles commanding premiums 60% higher than the UK average.

Unemployed drivers pay the most of all, at an average of £1265 a year, almost double the national average premium of £664.

However, there is a sliver of good news for the most expensive jobs to insure within the data from Quotezone. It shows that warehouse workers have seen notable drops in annual premiums compared to last year, saving an average of £308.

Healthcare assistants have also saved £277 year-on-year.

Quotezone says factors behind steep premiums include long hours, high stress or shift work – all areas that car insurers could associate with higher claims risk.

At the other end of the scale, teachers, civil servants and HGV drivers enjoy some of the lowest car insurance premiums in the UK – sometimes more than 25% below average.

Civil servant average premiums are £495, with teachers on £532. These more structured roles and regular working hours can translate into fewer accidents and claims, according to car insurance algorithms.

HGV drivers are a surprise, though. They pay an average of £556 a year – but although they spend long hours on the road, they’re often specialist drivers who have undergone high levels of training and certification.

HGV drivers also spend their working hours in their company vehicle, rather than their personal car.

Motorists are advised to explore how they word their job title when getting quotes. Quotezone points out that as long as the description remains accurate and honest, variations in an individual’s job title could help bring the cost down.

Healthcare assistants, for example, might receive a different quote if they use ‘care assistant’ or ‘care worker’.

"For people who are currently unemployed, it might be worth adding another more experienced driver to the policy – just be careful that the main driver indicated is actually the person who uses the vehicle the most, or it could be seen as fronting, which is illegal," says Quotezone CEO Greg Wilson.

Ask HJ

Should a claim by a named driver be entered against the policyholder when applying for insurance?

We are about to renew the insurance on my wife's car, which is insured in her name and on which I am a named driver. A couple of year ago we had an accident while I was driving. We claimed on the insurance for the repairs - all that was settled some time ago. When seeking quotes for the renewal with online comparison sites should this claim be entered against her name as policyholder or against my name as the named driver having the accident?

When you are a named driver on a car insurance policy, any claims made should go through the main policy holder. Therefore you should declare it under your wife’s details.

Answered by Rhydian Jones

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