---
title: Life Insurance for Auto mechanics | Coverfolk
url: https://coverfolk.com/jobs/mechanics
updated: 2026-10-08
---

# Life insurance for auto mechanics

Auto mechanics keep the country driving. BLS counts about 826,000 auto tech and mechanic jobs. Most work in shops and stand much of the day.

[Find my coverage gap](/jobs/mechanics/calculator)

Updated October 8, 20263 sources[Fact checked](/editorial-standards)

**826,000**About 826,000 automotive service technician and mechanic jobs (825,800) (2025)[Source: BLS OOH: Automotive Service Technicians and Mechanics](https://www.bls.gov/ooh/installation-maintenance-and-repair/automotive-service-technicians-and-mechanics.htm)

**8.1**fatal injuries per 100,000 workers in 2023, vs 3.5 for all jobs[Source: BLS CFOI: Civilian occupations with high fatal work injury rates, 2023](https://www.bls.gov/charts/census-of-fatal-occupational-injuries/civilian-occupations-with-high-fatal-work-injury-rates.htm)

**2.3x**the average risk at work, based on the BLS rates

[### mechanics coverage calculator

Your pay, your loans, your work plan. See the gap in 30 seconds.

Open](/jobs/mechanics/calculator) [### If you die on the job

What workers comp, work plans and Social Security pay, and what they don't.

Open](/jobs/mechanics/on-the-job-death)

## Why it matters

In 2023, auto techs and mechanics had a fatal injury rate of 8.1 per 100,000 full time workers. The rate for all workers was 3.5. That is more than two times higher.

About 15 percent of auto techs are self employed. If you own your shop, there is no work life plan unless you buy one.

* BLS says auto techs have one of the highest rates of injury and illness of all jobs. About 15 percent are self employed.
* Life insurance from work usually ends when you leave the job. A basic work plan often pays only one or two times your yearly pay.

## What an insurer may ask you

Have these ready. Being honest up front gets you a real price and avoids problems at claim time.

* Shop work or roadside work
* Whether you own the shop
* Any racing or high speed testing
* Your age, health, and tobacco use

## Common questions

Can mechanics get life insurance?

Yes. Your age, health, and tobacco use matter most.

I own my shop. Do I have coverage?

Only if you bought it. There is no employer plan when you own the business.

Does my dealership give me coverage?

It might. Work coverage usually ends when you leave. A policy you own does not.

Do I need to mention racing?

Yes, if you race. Insurers ask about risky hobbies and can charge more for them.

## Coverage people in this job pick

[**Term life: The most coverage for the least money, for 10 to 30 years.**](/coverage/term-life)[**Mortgage protection: Life insurance sized to your home loan, so the house stays paid.**](/coverage/mortgage-protection)[**Final expense: Small whole life plans that pay for a funeral and last bills.**](/coverage/final-expense)[**Does my job change what I pay for life insurance?**](/answers/does-my-job-affect-life-insurance)[**Is the life insurance from my job enough?**](/answers/work-life-insurance-enough)[**How much life insurance do I need?**](/answers/how-much-life-insurance-do-i-need)

## Sources

1. [BLS OOH: Automotive Service Technicians and Mechanics](https://www.bls.gov/ooh/installation-maintenance-and-repair/automotive-service-technicians-and-mechanics.htm)
2. [BLS CFOI: Civilian occupations with high fatal work injury rates, 2023](https://www.bls.gov/charts/census-of-fatal-occupational-injuries/civilian-occupations-with-high-fatal-work-injury-rates.htm)
3. [Texas Department of Insurance: Life insurance guide](https://www.tdi.texas.gov/pubs/consumer/cb018.html)

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