Car Insurance Rates for Customer Service Reps

Car insurance for customer service representatives has average rates of $95.99/mo in the US. Compare quotes online to lower your rates.

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UPDATED: Jun 2, 2022

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Written By: Laura BerryReviewed By: Joel OhmanUPDATED: Jun 2, 2022Fact Checked

Here's what you need to know...

  • Customer service employees pay an average of $1,151 annually
  • Some companies evaluate the specifics of a customer service representative’s work environment
  • It may sound strange, but your car insurance premium is partially based on your career

If we told you that customer service workers tend to pay higher car insurance rates than students, would that surprise you?

It’s true, according to a recent study which listed 60 different career categories according to how much workers pay for car insurance.

From lowest to highest, customer service workers were ranked 32nd. On average, they pay approximately $1,151.92 per year. By comparison, students pay about $1,028.

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In order to understand the difference in car insurance rates from one occupation for the next, it’s important to know what insurance companies are looking at.

Some occupations are more stressful than others, leading to more stressed-out employees behind the wheel.

Likewise, there are some job categories that require employees to have a great attention to detail, a cautious attitude, and an analytical mind. In other words, some personality traits are common among workers in a given job category.

Customer Service Agents and Stress

In our modern world of “the customer is always right,” it’s becoming increasingly difficult to explain to customers why they are, in fact, wrong.

Yet customer service representatives must attempt to help disgruntled individuals solve their problems.

It is a job that requires great diplomatic skills and the ability to ignore the attitudes and insults of others.

This particular characteristic would seem to be beneficial when it comes to driving.

On the other hand, spending eight hours per day listening to unhappy customers is enough to crack even the hardest nut. Being a customer service agent is one of the mort stressful occupations that an individual can have.

That frustration and stress can build up over the course of the day and then play itself out via aggressive driving on the way home.

When a person is stressed and getting behind the wheel, he’s more likely to cause an accident or be pulled over for a violation. This trait is not so good for insurance purposes.

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Customer Service Agents and Creative Solutions

The most successful customer service representatives are those who can think outside the box and come up with creative solutions to problems.

This is another personality trait that has a positive effect on car insurance.

When service agents come upon a dangerous driving situation, for example, they are more likely to find a creative solution than someone else.

Not only that, but the solution will be designed to be something that causes as little negative consequences as possible.

Take a flash flood, for example. A more aggressive driver may be willing to take a risk and attempt to drive his car through a flash flood area.

A customer service representative, on the other hand, is more likely to be a bit more cautious and try to determine if there’s another way to go.

Even if that individual must drive miles of his or her way, he or she is more likely to do that in order to avoid the potential consequences of trying to drive through flood waters.

This is another good trait your insurance company likes.

Different Kinds of Customer Service Agents

As a whole, customer service representatives perform similar tasks across all industries. But there are some differences depending on where you work.

A customer service representative working the returns counter at a department is much more likely to encounter unhappy customers than one who works at a bank.

Some insurance companies believe these differences are significant enough to warrant asking about the particular work environment.

Some others are not concerned with this type of thing.

For those insurance companies that are concerned, they’ll be looking for things in your work environment that will contribute to stress and a lack of concentration.

It’s not that they’re trying to punish those in high-stress environments, it’s just that they know is that workers who are highly stressed tend to be poorer drivers.

On the other hand, the customer service representative whose work environment is more peaceful and stable will tend to be a better driver.

Determining Car Insurance Rates

Insurance companies consider a long list of factors when determining what their rates will be. While many of us may in this is not fair, most insurance companies that do business this way have plenty of statistical data to back them up.

In fact, they are so good at crunching the numbers that they can predict fairly accurately which drivers will make claims and how much those claims will be.

If you’re a customer service agent looking for better car insurance rates, start your search now by entering your ZIP code below!

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Written by Laura Berry
Former Insurance Agent Laura Berry

Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP® Joel Ohman

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