Auto Insurance for Actors (Rates & Discounts)

Actor auto insurance rates are not much different than average premiums for everyone else. High-earning actors and actresses pay more expensive rates. However, auto insurance for actors and actresses varies for each person. You can secure cheap auto insurance for actors by comparing the best companies.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Written by Rachel Bodine
Insurance Feature Writer Rachel Bodine

Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years Leslie Kasperowicz

UPDATED: Mar 26, 2021

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What You Should Know

  • Auto insurance for actors is calculated the same as the average driver
  • Actor car insurance rates depend on the several factors that determine insurance
  • Cheaper auto insurance is accessible through discounts

Auto insurance for actors may appear expensive when you consider the most popular actors in the entertainment industry.

Some actors and actresses aren’t high earners, and they can pay the average cost for auto insurance.

Regardless of your financial bracket, you can qualify for affordable auto insurance for actors and actresses. This brief guide explains everything you need to know on how to compare auto insurance quotes for actors.

Actor auto insurance rates vary. Enter your ZIP code in our free comparison tool to audition multiple companies in your local area so you can access the cheapest auto insurance quotes.

How much are actor auto insurance rates?

According to the National Association of Insurance Commissioners (NAIC), the average cost of full coverage auto insurance is $1,078 per year or $90 per month.

However, your auto insurance rates vary based on several factors, such as:

  • Driving Record
  • Commute Mileage
  • Age
  • Coverage Level
  • Company
  • Gender (outlawed in some states)
  • Vehicle

Therefore, car insurance costs for actors depend on their needs and what car insurance provider they have.

How can I buy affordable actor auto insurance?

Actor auto insurance quotes are found the same way as other occupations in the United States. To buy actor auto insurance, you’ll need to shop around for a policy.

Let’s start with the best companies in the United States.

  • USAA – $72
  • State Farm – $102
  • GEICO – $124
  • Progressive – $134
  • Nationwide – $137
  • Allstate – $206
  • Farmers – $240

If you’re not in the military or not in the immediate family of someone in the U.S. Armed Forces, you won’t be able to get USAA auto insurance.

All other companies are available. State Farm is known for its cheap premiums across the nation. However, your rates will vary.

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Does my credit score affect my auto insurance cost?

The short answer is yes. According to Experian, auto insurance companies issue cheaper rates to customers with a good credit score. Let’s compare car insurance based on credit.

Average Monthly Auto Insurance Rates by Credit History
Credit History SummaryAverage Monthly Auto Insurance Rates
Good Credit History$313
Fair Credit History$330
Poor Credit History$345
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Fair and poor credit scores produce the most expensive rates. You may be able to offset poor credit with a clean driving record and save hundreds per year.

What auto insurance coverage options should I consider?

Whether you’re an actor or actress, you’ll need to carry the minimum auto insurance requirements, which is auto liability insurance.

However, you’ll need more coverage if you’re still making payments on your vehicle.

Why is auto insurance for actors and actresses so expensive?

High-earning actors like Dennis Haysbert and Dean Winters may have expensive rates due to the value of their cars.

Celebrity actors and actresses usually drive the latest economy or luxury vehicles, so rates are more costly than average. For performers who earn less, they would pay around the average cost of auto insurance.

Traveling actors or actors with multiple jobs may be considered high risk. Therefore, car insurance companies could charge you more.

If you happen to be an actor or actress for an auto insurance company commercial, such as Progressive commercial actors, you may be able to get a discount.

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Actor Auto Insurance: The Bottom Line

Car insurance for actors is the same as anyone else shopping for coverage. No matter how much you earn as an actor or actress, you can qualify for affordable auto insurance quotes.

The best way to compare auto insurance for actors and anyone else searching coverage is to use our free online quote tool below.

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