Auto Insurance for Entertainers and Artists
Most artists and entertainers only need a standard insurance policy to cover their cars. Some artists only need personal insurance policy, while others benefit from a commercial plan. Our guide covers everything you need to know about auto insurance for entertainers and artists.
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UPDATED: Jul 20, 2022
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- Most artists and entertainers only need a personal insurance policy for their car unless they use their vehicle exclusively for business
- Art supplies and other equipment aren’t covered by car insurance, but your homeowners or renters might replace or repair personal items
- Car insurance isn’t necessarily more expensive for artists or entertainers, and there are plenty of ways to save
While making a living as an artist or entertainer is the dream of many, it’s not always an easy prospect. If you’re in the “starving artist” phase of your career, you might be looking for ways to save on auto insurance rates.
Luckily, finding cheap car insurance isn’t a complicated prospect. From choosing the right coverage to finding discounts, learn everything you need to know about auto insurance for entertainers and artists below. Then, compare quotes to find the best rates possible.
Car Insurance for Artists and Entertainers
Your insurance policies depend on what you drive and use your car for. Most car insurance companies offer the following coverage options:
- Liability. Most states require a minimum amount of liability insurance, paying for damage you cause in an accident. Liability doesn’t cover your car.
- Collision. Collision covers your car after an accident, even if you cause it. It also pays for repairs if you hit stationary objects like trees.
- Comprehensive. For damage that happens outside of an accident, there’s comprehensive coverage. Comprehensive insurance covers damage from weather, fire, vandalism, and theft.
- Uninsured/underinsured motorist. While most states require insurance, not all drivers follow the law. This insurance protects you against drivers with inadequate or no insurance.
- Medical payments. Getting injured in an accident usually comes with expensive medical bills. Medical payments help pay for medical expenses, lost wages, and physical therapy.
These are the basic components of an insurance policy, but most companies offer add-ons to increase your coverage’s value, like roadside assistance or rental reimbursement. Although having more coverage never hurts, selecting the right plan is essential when you’re on a budget. If your car is older or you can afford to replace it, you’ll probably be fine with your state’s minimum insurance.
You’ll probably need full coverage when you drive a newer, more valuable car or don’t own it outright. Full coverage auto insurance is more expensive, but it offers much more protection.
Do you need commercial insurance as an artist?
Whether you need commercial insurance or not depends on your vehicle’s primary use. For example, some artists only need personal insurance, while others benefit from a commercial plan. A commercial plan is likely appropriate if you exclusively use your vehicle for business purposes. For example, if you DJ or work as a party clown, a van you use to transport equipment probably qualifies for commercial insurance.
On the other hand, if you use your personal car to transport musical instruments or paintings to and from gigs, you’ll need a standard policy. An insurance representative can help you determine what you should get by looking at your unique situation. Ask about commercial coverage because your insurance company might deny future claims if you have the wrong policy.
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Does car insurance protect art supplies?
Unfortunately, car insurance rarely covers personal belongings. If someone hits you, their liability might pay you for your damaged property, but only if you can prove the damage happened in the accident. Their insurance will also likely pay you for the actual cash value of the item, usually much less than you paid.
If you cause an accident or someone steals from your car, your insurance likely won’t cover it. Some insurance companies offer an add-on that protects personal property, like laptops and phones. Your insurance won’t cover your art supplies unless you have the add-on.
However, other policies may cover your personal property. For example, your homeowners or renters insurance might cover belongings in your car, even if it was stolen or damaged while your vehicle was off property. Another option is to get a specialty entertainer’s insurance policy. You’ll probably need a tools and items add-on, but entertainer’s insurance provides commercial coverage tailored for artists.
How much is car insurance for artists?
Car insurance for artists and entertainers costs about the same as the average driver. It’s possible to find discount auto insurance for nurses and discount auto insurance for firefighters however, insurance companies typically don’t offer special prices or discounts for artists in the same way they might for firefighters or nurses.
The amount you’ll pay for insurance depends on your unique characteristics and how much coverage you want. To get an idea of how much you might pay, check the average monthly rates in your state below.
State Average Monthly State Minimum Rates Average Monthly Full Coverage Rates
Alabama $39 $83
Alaska $47 $91
Arizona $50 $92
Arkansas $37 $85
California $47 $93
Colorado $52 $98
Connecticut $62 $106
Delaware $71 $110
District of Columbia $61 $122
Florida $79 $118
Georgia $60 $106
Hawaii $39 $76
Idaho $33 $65
Illinois $41 $80
Indiana $35 $69
Iowa $28 $65
Kansas $33 $78
Kentucky $48 $86
Louisiana $77 $135
Maine $31 $63
Maryland $58 $104
Massachusetts $53 $100
Michigan $74 $126
Minnesota $40 $78
Mississippi $42 $91
Missouri $40 $82
Montana $35 $80
Nebraska $34 $76
Nevada $68 $106
New Hampshire $35 $72
New Jersey $77 $121
New Mexico $46 $87
New York $73 $124
North Carolina $31 $69
North Dakota $25 $68
Ohio $36 $71
Oklahoma $41 $90
Oregon $55 $85
Pennsylvania $44 $88
Rhode Island $71 $121
South Carolina $53 $94
South Dakota $27 $72
Tennessee $38 $79
Texas $51 $106
Utah $47 $81
Vermont $31 $69
Virginia $39 $76
Washington $55 $89
West Virginia $43 $89
Wisconsin $34 $67
Wyoming $29 $78
Your rates will change based on various factors, including location, gender, age, and car. However, you’ll probably see a rate similar to the national average if you don’t have serious infractions on your driving record.
Are there car insurance discounts for artists?
One of the best ways to save on your insurance is to take advantage of discounts. While there aren’t discounts specifically for artists and entertainers, you still have options. Here are the most common discounts artists take advantage of:
- Good driver. Companies usually offer a discount if you avoid filing a claim for three or more years.
- Paid in full. You’ll probably save a small amount if you pay for your full six-month policy at once rather than monthly.
- Good student. High school and college students can earn a discount by maintaining a 3.5 GPA.
- Safety and security. You might get a discount if you install devices that increase your driving safety or make it harder for thieves to take your car.
- Bundling other policies. Most insurance companies offer more than car coverage. You’ll get a discounted rate on each product you buy.
While these are the most common discounts, most companies offer others. When you sign up for a policy, an insurance representative will ensure you get every eligible discount.
How to Save on Car Insurance for Artists and Entertainers
Discounts aren’t the only way to save money on your insurance. According to III, there are a few practical steps to reduce the cost of your auto policy. If you need ways to save on your monthly bill, consider the following tips:
- Compare prices with as many companies as possible
- Lower your coverage
- Keep your driving record clean
- Improve your credit
- Increase your deductible
- Consider usage-based insurance if you don’t drive a lot
One of the most important things to do is compare prices. Insurance companies have unique formulas for determining rates and often treat risks differently. For example, you might see extremely high rates for young drivers with one company while another provider offers lower prices.
Find the Best Insurance for Artists and Entertainers
No matter what your choice of art is, there’s no reason car insurance has to be expensive for entertainers and artists. When it comes to insurance for your car, artists have plenty of options to find affordable coverage.
When you’re ready to get coverage for your car, compare quotes with as many companies as possible to find the best rates. Also, check your homeowners or renters insurance policies to see if they cover art supplies you keep in your car.