Workers across the farming industry pay some of the highest premiums for insuring their personal vehicles, according to new data from a leading UK motoring insurance comparison website. found annual average premiums for farm managers are £697, agricultural engineers pay £819 and tractor drivers £832. But it is farm workers who have the highest premiums at £931.

However, the highest overall annual premiums go to hospitality staff, with restaurant managers topping the averages at £968.

At the other end of the spectrum, police officers can insure their personal vehicles for £489 on average, followed by ministers of religion, £547, and driving instructors, £591.

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 comments: “Your occupation is just one of the variables that go into an insurance provider’s premium calculation, but it is an important one.

“If you’re a farm worker and are looking for insurance on your personal vehicle, be sure to shop around – our comparison website allows you to compare quotes from over 110 UK car insurance providers in a matter of minutes, making it more likely that you’ll find a competitive price no matter what you do for a living.

“It’s also worth bearing in mind that it’s sometimes possible to add a personal car to one of your other farm vehicle insurance policies, which could possibly be more cost effective than taking out a separate policy.

“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.”