Laura Berry is a former State Farm insurance producer and insurance expert.

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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, mainly in the insuranc...

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Reviewed by Leslie Kasperowicz
Farmers Insurance CSR 4 Years

UPDATED: Oct 18, 2021

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Important facts to know...

  • Car insurance is important to indemnify musicians in the event of a loss
  • Be sure your valuable instruments, guitars, for example, are properly covered
  • Find an insurance carrier to best price and cover your unique risk

Every single person that drives an automobile needs to have car insurance. The insurance requirements of all of us though are incredibly unique. The car insurance required for a musician will differ from a college student.

There are so many risks that exist while out there on the road, even things that you do not have control over.

You could be driving down the highway when, all of the sudden, something flies off of the car in front of you and slams into your windshield.

This incident is nothing that you could have planned for or even avoided, but it is something that insurance is going to indemnify you for or make you whole again.

Enter your zip code above to find the best rate for the car insurance you need.

Unique Needs Exist

Trends in auto injury claims continue to evolve. Unique car insurance needs are what makes the industry so important as a whole. There is and never has been a one size fits all approach to auto insurance.

Instead, consumers are those that are in the position of power. They are going to be able to dictate the coverages that they are looking for, the associated limits that they need, deductibles that they would be comfortable paying and so on.

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Unique Characteristics of a Musician

As a musician seeking car insurance, there are a lot of different things that you are going to want to consider as you are shopping around.

Think about all of the various needs that you have as a musician and also the different types of requirements that you have to keep up with as a professional.

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Musicians may often be on the run driving from one gig to the next. You could have a show Friday, Saturday, and Sunday, all in different cities or even different states.

You could be on the road at all hours of the day, trying to get to the next performance that you are scheduled for. Speed limits can get you, as can accidents.

It is not just the driving, but also the equipment that you have with you such as:

  • an expensive drum set
  • guitars
  • amplifiers
  • speakers

This equipment is an asset that you want to have protected.

If you were to get into a car accident, the loss that you would have would be far more than just damage to the car, as these instruments could be harmed significantly as well.

The Insurance Play

Insurance companies can make a play to help satisfy the coverage needs of musicians. Take the instruments as the first and primary example.

When you are a musician shopping for car insurance, think long and hard about what type of protection you want for these kinds of assets.

You can have separate coverage on your auto insurance policy that is going to cover these instruments. If something were to happen to them in an accident, you could be indemnified for them.

The same goes for the extensive amount of driving that you are going to be doing. While some car insurance carriers skew their business more towards those that drive few miles, others will be able to price your risk better when you are driving more.

It all comes down to doing comparison shopping of the various carriers in the market.

Understand what you are going to be comfortable paying regarding the deductible as well. If you were to get into an accident as a musician, would you be able to cover a $1,000 deductible comfortably, being made whole for the remainder?

If the answer is yes, then you are probably fine shopping with this assumption. If not, then you are going to want to seek out a carrier that can get you a lower deductible for a value premium amount.

Car insurance for musicians should not be a difficult thing to find. What you want to do though is to make sure that what you are buying is truly going to indemnify you, should you ever need to act on the coverage.

Understand the coverages that you are buying and what you are going to get should the unfortunate happen.

Accidents are never fun to plan for but as a musician on the run, taking the necessary precautions, making price comparisons, and buying a sound insurance policy can help when things take a turn for the worse.

Get the coverage you need for the best price. Enter your zip code into our free comparison tool below and you may be surprised by how much you could save.