Auto Insurance for Machine Operators (Rates & Discounts)

On average, individuals who operate heavy equipment for a living pay auto insurance rates that are nearly three times higher than someone with a low-risk occupation. Finding reasonable machine operator car insurance may seem like an uphill battle, but there are some steps you can take to get more affordable auto insurance quotes. Compare rates in your area today.

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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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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

UPDATED: May 5, 2021

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What You Should Know

  • There are several ways to reduce machine operator car insurance rates.
  • Auto insurance discounts are a great way to get lower rates.
  • High-risk drivers can negotiate with car insurance companies for better quotes.

If you operate heavy machinery for work, you may find yourself paying exorbitant auto insurance rates.

While it may seem silly, many insurance companies take their customers’ occupations into account when determining their car insurance rates.

This applies whether you’re finding auto insurance quotes online or in person.

The reason for such high rates is because those with jobs that are deemed “high-risk”, such as machine operation, are often considered to be more liable to file insurance claims.

However, affordable machine operator car insurance is not out of reach. You just have to know what insurance companies look for.

Compare auto insurance quotes by entering your ZIP code above.

Why Is Getting Reasonable Heavy Equipment Operator Quotes So Hard?

While insurance companies maintain that the hazards that equipment operators face on the job make them more of an insurance risk, that is often not the case.

Although heavy equipment mishaps can occur and cause operators to become stressed or fatigued, which could lead to impaired driving in some instances, machine operation doesn’t even rank among the top occupations with the most at-fault claims.

Despite this, you are still likely to be considered an insurance liability if your job falls under the “high-risk” category.

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Obtaining Affordable Machine Operator Car Insurance

So, how can you get machine operator car insurance rates that don’t cost an arm and a leg?

Some sources might advise you to tweak your occupation title on your auto insurance policy. However, while using different verbiage could allow for lower rates, it could also be seen as fraudulent if the title you list is, in any way, misleading.

Your best option is to do the following:

  1. List your occupation as “other”
  2. Consult your auto insurance company about the proper verbiage to use
  3. If you feel your job does not put you at risk, negotiate your auto insurance rates with your provider

The best way to find lower auto insurance for high-risk drivers is always the honest way. You may be surprised by some providers’ flexibility and find that they are willing to work with you to get more affordable machine operator car insurance quotes.

Do You Qualify for Auto Insurance Discounts?

Another great way for employees of heavy equipment operator companies to get cheap auto insurance is to look for policy discounts.

Many providers offer a variety of car insurance discounts that are not impacted by the policyholder’s profession. Contact your insurance company to see what discounts you may be eligible for.

Where to Buy Machine Operator Car Insurance

The company you buy machine operator car insurance from depends on who is willing to work with you to obtain reduced rates.

It is best to shop around for insurance companies before settling on one. Call some of the providers in your area to discuss their discounts, their options for auto insurance policies, and how much you can negotiate on the quotes they provide.


Ultimately, while your occupation may have an impact on your auto insurance quotes, it does not necessarily bind you to costly rates.

Though it may take more time to find a reasonable auto insurance policy that meets your needs, being thorough in your search could save you hundreds (possibly thousands) of dollars in the long run.

Enter your ZIP code below to discover affordable auto insurance quotes available to you.

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Machine Operator Car Insurance FAQs

#1 – Which occupations are considered high-risk?

Heavy equipment operators, bartenders/waiters, doctors, and lawyers are just a few common high-risk occupations. 

#2 – Do drivers with high-risk jobs qualify for more auto insurance discounts?

Every machine operator car insurance company has different discounts they offer and different requirements to be eligible for those discounts. Consult your provider for details on their auto insurance discounts.

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