A consumer advocacy group, New York Public Interest Research Group (NYPIRG), announced its recent analysis shows some of New York State’s largest auto insurers are charging higher premiums to motorists who have less education and non-professional, non-managerial jobs. Four major auto insurance companies were examined: GEICO, State Farm, Liberty Mutual, and Progressive. Although the analysis is of auto insurance rates in the state of New York, many states allow a customer’s education and occupation as rating factors. This blog post will discuss the results of the NYPIRG analysis for each company, and tell you what you need to know to find the best auto insurance rates for you, no matter your occupation or level of education.

NYPIRG used the websites of GEICO, State Farm, Liberty Mutual, and Progressive, to determine whether they consider education & occupation as factors in their pricing and, if they do, the impact those factors have on their auto insurance rates. For each analysis, all factors except education and occupation were held constant, NYPIRG said. Allstate was excluded, because Allstate did not allow the gathering of pricing information without authorizing a credit check. A customer’s insurance credit score is a major rating factor with all these companies, and may easily outweigh any price difference based on occupation and education.

GEICO

GEICO charged 19 percent more annually for a bank teller with a high school degree, than for a bank executive with a college degree, all other things being equal. A high school graduate working in retail would pay 41 percent more annually than the same bank executive.

PROGRESSIVE

Progressive charged 19 percent more annually for a bank teller with a high school degree, than for a bank executive with a college degree. Progressive also charges drivers opting for monthly payments 21 percent more, than drivers who paid their premiums in full.

LIBERTY MUTUAL

Liberty Mutual did not appear to consider occupation in their auto insurance pricing, but did consider education. NYPIRG said Liberty Mutual charges a high school graduate 25 percent more annually than a college graduate.

STATE FARM

State Farm, according to this analysis, does not use education or occupation as rating factors for its auto insurance.

Conclusion

Is State Farm the best choice for people with non-professional jobs or less education? Maybe not. It’s best to check with each of these companies — GEICO, Progressive, Liberty Mutual, State Farm, as well as others — and see what they quote you for your auto insurance. There are many factors used to determine any one person’s auto insurance rates. For example, you may be a farmer with an 8th grade education, but as a member of your state’s farm bureau, you may qualify for auto insurance rates much lower than the bank president holding the mortgage on your farm. Working for the government, or having a Costco membership, may get you lower auto insurance rates than having a Master’s degree. Rates, and rating factors like occupation, education, age, sex, your zip code, etc., vary a lot among auto insurance companies. You really can save $100s by shopping your auto insurance, regardless of your occupation or education.

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