According to new industry data, warehouse workers, healthcare assistants, and chefs face the steepest car insurance premiums in the UK. The latest analysis reveals that insurers consistently flagged the professions as high-risk, resulting in some of the most costly annual premiums compared to other occupations.
Warehouse workers top the list of popular jobs with higher motor insurance costs, coming in at nearly £400 more than the average.
Whilst the average annual premium is currently £984.56, a warehouse worker’s typical car insurance premium for the year is £1,371.67 – nearly 40% more.
Healthcare assistants in hospitals, care homes, and clinics also face substantial car insurance premiums. Likely due to long shifts, high levels of stress, and frequent travel between different healthcare settings, these professionals can face premiums that are 36% above average.
Perhaps surprisingly, chefs can also be hit with pricey premiums (+30%), which might be due to their often working unsociable hours, having demanding schedules, and experiencing high levels of pressure in the professional kitchen environment. These factors likely correlate with increased accidents during risk analysis, leading to increased car insurance costs.
Insurance providers base their pricing models on statistical data showing higher claim rates among certain professions and jobs that typically involve long hours, high stress, or physical labour.
The insurance experts at Quotezone say the wording of specific job titles can often affect the overall premium price, so slight tweaks to the job title could help reduce premiums.
Drivers might want to try quoting with variations. They must ensure the title accurately describes their job, as incorrect information could invalidate insurance. For example, “Healthcare Assistants” could try quoting “Care Worker” or “Care Assistant” as their job title, as these professions may be seen as less risky depending on the insurer’s classification system.
On the other hand, insurance experts found that teachers, civil servants, and even HGV drivers are typically quoted premiums as much as 41% less than the national average.
Due to the nature of their work, teachers and civil servants are often viewed as low-risk drivers. They’re associated with more structured roles and regular working hours, which can translate to fewer accidents and claims.
But it might come as a surprise that HGV drivers, who spend long hours on the road in large vehicles, enjoy lower car insurance premiums. This could be because they often undergo high levels of training and certification to operate HGVs and have extensive driving experience.
Many of these drivers also work in their company vehicles rather than their cars, reducing their driving risk profile.
Retired people typically enjoy the cheapest premiums – as much as 50% less than the average.
A recent Quotezone survey showed that a quarter of people (24%) weren’t aware their job title affected premium price, with 61% admitting they’ve never tried adjusting it to find savings. Of those who have tried, 61% found savings. Worryingly, nearly a third, 31%, didn’t realise that an inaccurate job title could invalidate their insurance.
Commenting on the research, Greg Wilson, Founder and CEO of Quotezone.co.uk, said: “Our data sheds some light on how car insurance is calculated, and whilst it’s good news for teachers, nurses and HGV drivers, it also raises questions for those in higher-risk categories.
“While statistical data is critical to assessing risk, there is scope to explore potential savings, helping customers understand their policy and dangers. Quotezone is expanding its occupation options to give consumers more choice and, hopefully, more savings.
“It is possible to bring your insurance premium down even slightly by trying variations of the wording in your job title. As long as it’s still factually accurate regarding your day-to-day role and responsibilities, it could help cut costs.”
Job (Top 20 Most Popular Jobs in the UK) |
Ave. Car Insurance Premium (Q2 2024) |
Price Difference Compared to National Average |
Warehouse Worker |
£1,371.67 |
+39% |
Healthcare Assistant |
£1,343.13 |
+36% |
Chef |
£1,279.44 |
+30% |
Sales Assistant |
£1,240.68 |
+26% |
Shop Assistant |
£1,193.98 |
+21% |
Accountant |
£1,148.91 |
+17% |
Customer Advisor |
£1,148.55 |
+16% |
Cleaner |
£1,110.66 |
+13% |
Unemployed |
£1,036.09 |
+5% |
Company Director |
£997.95 |
+1% |
Factory Worker |
£971.17 |
-1% |
Delivery Driver |
£966.50 |
-2% |
Assistant Teacher |
£874.45 |
-11% |
Houseperson (Housewife or Househusband) |
£838.43 |
-15% |
Administration Assistant |
£825.46 |
-16% |
Nurse |
£741.16 |
-25% |
Teacher |
£664.12 |
-33% |
Civil Servant |
£589.12 |
-40% |
HGV Driver |
£580.57 |
-41% |
Retired |
£492.08 |
-50% |
Quotezone.co.uk data sample of 100,000 car insurance policies from Q2 2024.
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