MEMBERS of the police force pay the cheapest car insurance premiums for insuring their personal vehicles, according to new data from a leading UK motoring insurance comparison website. found annual premiums for police professionals in 2020 came in at an average of £489 which is around half of that paid by restaurant managers, who on average, are paying a whopping £968.

Religious Ministers come in second on the list paying, £547, closely followed by Architects at £582 with driving instructors paying an average annual premium of £591.

Hospitality staff bore the brunt of lockdown impacts during 2020 and according to the research are also paying the highest average insurance premiums, with bar staff paying a little less than restaurant managers at £964 each year, while restaurateurs are forking out £934.

The analysis is based on a sample of over 800,000 car insurance policies compiled from across the UK during 2020.

Responding to the data, founder Greg Wilson said: "Your occupation is just one of the variables that go into an insurance provider’s premium calculation, but it is an important one.

"It’s probably not surprising that police professionals and driving instructors benefit from some of the cheapest car insurance premiums when they’re insuring their own vehicles, because people who either teach the rules of the road or uphold them, are perhaps more likely to comply with those rules and regulations themselves.

"But whatever your occupation happens to be, it’s clear that your job title can have a significant impact on your car insurance premium.

"Given how many people have changed jobs recently and the fact that many may be thinking about doing so as we begin a new year, it’s worth stressing that policyholders have an obligation to inform their car insurance providers if there has been a material change to their policy details, such as job title.

"It’s also worth bearing in mind that smaller changes to the way people work can sometimes affect the premium too. For example, if policyholders now work from home, parking their car on a private driveway, not using their car for business use or the commuter journey could potentially result in a reduced premium.”

Here is a full list of the professions and what the average car insurance premium for the role was during 2020:

  1. Police - £488.97
  2. Ministers of Religion - £546.92
  3. Architect - £581.73
  4. Driving Instructor - £590.54
  5. Nurse - £598.43
  6. Lawyer - £620.16
  7. Farmer - £649.37
  8. Dentist - £661.73
  9. Engineer - £665.21
  10. Accountant - £672.38
  11. Financial Adviser £689.59
  12. Farm manager - £696.58
  13. Farming - £741.67
  14. Agriculture engineer - £819.14
  15. Tractor drivers - £832.19
  16. Construction (not including architects) - £853.02
  17. GP - £873.85
  18. Bar managers - £928.36
  19. Agricultural workers - £931.31
  20. Restaurateurs - £934.19
  21. Bar staff - £964.44
  22. Restaurant manager - £967.87