Auto Insurance for Cleaning and Janitorials (Rates & Discounts)

If you work as a cleaner or janitor, you may find your auto insurance rates are on the high side. Average cleaning and janitorial auto insurance rates are $165/mo. Car insurance companies consider cleaning and janitorial services to be a higher-risk occupation, so rates are commensurately higher. Lower-risk jobs average $105/mo. If you own an auto cleaning service or other cleaning or janitorial company, you’ll also need commercial auto insurance and a general liability policy.

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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: Apr 26, 2021

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What You Should Know

  • Cleaning and janitorial auto insurance rates may be higher than average because companies consider these occupations to be high risk
  • If you own a cleaning or janitorial company, you’ll need commercial car insurance and a general business liability policy in addition to your personal car insurance
  • To save on car insurance rates, you can compare cleaning and janitorial auto insurance quotes from multiple companies and ask about discounts

If you work as a cleaner or janitor or own a cleaning business, you’ll need auto insurance. But what kind of coverage do you need? Is a personal policy sufficient, or will you also need commercial car insurance? What about pool car insurance?

When you’re looking for cleaning and janitorial auto insurance, understanding auto insurance is key to finding the right coverage for your needs. Read this article to answer your questions.

When you’re shopping for affordable cleaning and janitorial auto insurance, your best bet is to compare multiple quotes. Enter your ZIP code in the free tool on this page to get started.

What is cleaning or janitorial auto insurance, and why is it important?

You’ll need a personal car insurance policy to drive as a cleaner or janitor legally. However, if you own your own cleaning or janitorial business, you’ll need additional coverage. If you use your vehicle in the course of your cleaning or janitorial business, you’ll need commercial car insurance.

To protect your business, you’ll need a business general liability policy. This will include physical damage coverage as well as bodily injury. You may also need a business owner’s policy, and if you have employees, you may want to consider workers’ compensation insurance.

It’s also a good idea to purchase janitorial bonds. These protect you and your business if your employees are accused of stealing any property from clients.

You’ll also need to find out if there are any state-specific laws for cleaning businesses.

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How much does cleaning or janitorial auto insurance cost?

Because policy types and limits are so dependent on company size, we don’t have business general liability insurance rates. However, we will spend a few minutes looking at car insurance rates.

Occupation is considered by some car insurance companies as a determining factor when adjusting your rates. GEICO was one of the first companies to do this and considers cleaning and janitorial services to be higher-risk.

Take a look at this table to see how working in a high-risk job can affect rates compared to lower-risk jobs.

GEICO Average Auto Insurance Rates by Occupation Risk Level
OccupationPerceived Occupation Risk LevelAverage Monthly Auto Insurance RateAverage Annual Auto Insurance Rate
Cleaning/JanitorialHigh Risk$165.00$1,984.00
HomemakerLow Risk$67.50$815.00
ProfessorLow Risk$71.68$860.20
Military Officer (Air Force O1)Low Risk$139.47$1,673.60
PsychiatristLow Risk$145.25$1,743.00
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As the data in the table indicates, as a janitor or cleaner (including if you work for auto businesses that offer cleaning services), you’ll pay higher rates than drivers who work in lower-risk occupations.

The Bureau of Labor Statistics reports that janitorial and cleaning services jobs average $29,080 per year, and the cost of your car (including insurance, maintenance, and loan or lease payments) shouldn’t cost more than 10% of your income. This can give you an idea of what your cleaning and janitorial car insurance rates should be.

To that end, we have a couple of tips for you. The first is to shop around. You should request at least three quotes to make sure you’re getting a fair price. The second tip is to speak with an insurance agent about discounts to determine what you may qualify for.

Cleaning and Janitorial Auto Insurance: The Bottom Line

We know car insurance can be expensive, especially if you have a high-risk job like cleaning or janitorial services. However, there are ways you can save, including shopping around for coverage and asking about discounts like the safe driver discount.

You’ll also need general liability coverage and a commercial car insurance policy if you own an auto cleaning service or another cleaning service.

Ready to buy cleaning and janitorial auto insurance? Use your ZIP code in our free tool to get started.

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