Car Insurance for Healthcare Professionals

Car insurance for healthcare professionals is often cheaper than for other professions, in part due to the high education level. Nurse car insurance rates average $158 a month with doctors paying slightly less. As with all professions, you may qualify for discounts and the biggest thing that impacts your rates is your driving record. Start comparing rates online for cheap auto insurance for doctors, nurses, and other medical professionals with our free quote comparison tool below.

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Natasha McLachlan is a writer who currently lives in Southern California. She is an alumna of California College of the Arts, where she obtained her B.A. in Writing and Literature. Her current work revolves around insurance guides and informational articles. She truly enjoys helping others learn more about everyday, practical matters through her work.

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Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...

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Reviewed by Laura Walker
Former Licensed Agent

UPDATED: Nov 11, 2020

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The Rundown

  • The Bureau of Labor Statistics estimates that there are 8,673,140 healthcare practitioners and technicians in the United States.
  • Car insurance for healthcare workers isn’t as expensive as it is for people working in many other professions.
  • Nurse car insurance rates average $157.98 a month with doctors paying slightly less.

One way to save money on car insurance is to belong to a profession that receives automatic discounts. Car insurance for doctors, nurses, pharmacists, and other medical professionals is often discounted because these people work hard to keep the rest of us healthy.

Insurance companies reward them with a professional discount. Specifically, doctors, nurses, and radiologists are all eligible for car insurance discounts for healthcare professionals, along with medical technicians, paramedics, and anesthesiologists.

Make sure you have the right car insurance for healthcare professionals. Enter your ZIP code above to get free quotes and compare car insurance from multiple insurers.

How much is car insurance for healthcare professionals?

How much does individual car insurance cost for healthcare workers? Are there car insurance deals for healthcare workers?

For insurance companies, the education required to become a medical professional is a solid indicator of your level of responsibility and personal integrity. That’s why they ask you about your occupation when you apply for coverage.

The Bureau of Labor Statistics estimates that there are 8,673,140 healthcare practitioners and technicians in the United States.

And because people in the medical profession are constantly faced with the consequences of poor driving judgment, they are assumed to be more dependable when they get behind the wheel. When the insurance company is saving money on claims, they pass those savings on to medical professionals.

Because of this, car insurance for healthcare workers isn’t as expensive as it is for people working in many other professions. The table below shows a sample of Geico quotes for various healthcare professionals.

Doctors typically pay a smaller percentage of their annual income for car insurance owing in part to the fact that they earn relatively high salaries.

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The table below shows the average income for doctors in each state along with the state’s average cost for doctors’ car insurance and the percentage of a doctor’s income that goes toward car insurance.

CompaniesAverage Annual Rates with Good CreditAverage Annual Rates with Fair CreditAverage Annual Rates with Poor Credit
USAA$1,821.20$2,219.83$3,690.73
State Farm$2,174.26$2,853.00$4,951.20
Geico$2,434.82$2,986.79$4,259.50
American Family$2,691.74$3,169.53$4,467.98
Nationwide$2,925.94$3,254.83$4,083.29
Progressive$3,628.85$3,956.31$4,737.64
Farmers$3,677.12$3,899.41$4,864.14
Allstate$3,859.66$4,581.16$6,490.65
Travelers$4,058.97$4,344.10$5,160.22
Liberty Mutual$4,388.18$5,604.24$8,802.22
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There are many factors that affect the rates you pay for car insurance that aren’t job-related, as you can see in the video below from Allstate.

Let’s talk a little bit more about these variables.

How Driving Record Affects Auto Insurance

No matter what your job is, the single biggest factor affecting your car insurance rates will be your driving record. Take a look at the table below, which shows how much different insurance companies might raise your rates based on common driving offenses.

CompaniesAverage Annual Rates with
10 Miles Commute
6000 Annual Mileage
Average Annual Rates with
25 Miles Commute
12000 Annual Mileage
USAA$2,482.69$2,591.91
Geico$3,162.64$3,267.37
State Farm$3,175.98$3,344.01
American Family$3,401.30$3,484.88
Nationwide$3,437.33$3,462.67
Progressive$4,030.02$4,041.01
Farmers$4,179.32$4,209.22
Travelers$4,399.85$4,469.96
Allstate$4,841.71$4,934.20
Liberty Mutual$5,995.27$6,151.63
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Any one of these offenses can raise your rates by a substantial percentage:

  • One at-fault accident – 20 to 49 percent increase
  • One speeding ticket – 12 to 24 percent increase
  • One DUI – 17 to 127 percent increase

The best thing you can do to keep your rates low is to practice safe driving habits.

How Credit Affects Car Insurance

Another factor that affects your car insurance rates— whether you’re a healthcare professional or not — is your credit score.

Credit score affects car insurance rates because insurers believe it to be a measure of how responsible you are. If you keep your credit score at 650 or higher, your insurance company will likely reward you with discounted rates.

As you can see in the table below, your credit score can really make a difference when it comes to how much you pay for car insurance.

CompaniesAverage Annual Rates with a Clean RecordAverage Annual Rates with One AccidentAverage Annual Rates with One DUIAverage Annual Rates with One Speeding Violation
USAA$1,933.68$2,516.24$3,506.03$2,193.25
Geico$2,145.96$3,192.77$4,875.87$2,645.43
American Family$2,693.61$3,722.75$4,330.24$3,025.74
Nationwide$2,746.18$3,396.95$4,543.20$3,113.68
State Farm$2,821.18$3,396.01$3,636.80$3,186.01
Progressive$3,393.09$4,777.04$3,969.65$4,002.28
Travelers$3,447.69$4,289.74$5,741.40$4,260.80
Farmers$3,460.60$4,518.73$4,718.75$4,079.01
Allstate$3,819.90$4,987.68$6,260.73$4,483.51
Liberty Mutual$4,774.30$6,204.78$7,613.48$5,701.26
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With these major insurers, someone with poor credit can pay 27 to 127 percent more than a person with good credit.

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How Commute Affects Car Insurance

Do you find yourself queuing up your favorite podcast for your lengthy commute? If you do, you might be paying more for car insurance than someone who works from home.

Healthcare Workers FactStatistics
National employment estimate8,673,140
State with the highest employment levelCalifornia
Top paying stateHawaii
Median hourly wage estimate$40.21
Median annual wage estimate$83,640
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Rates for drivers with a longer commute can be anywhere from less than one percent to five percent more than those with a shorter commute.

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Car Insurance Discounts for Healthcare Professionals

Graduating with a BA or higher degree, whether it’s in a medical discipline or not, will typically earn you a discount on car insurance.

This is in addition to any other discounts you qualify for, and that means your savings could be impressive when all the discounts are calculated.

Professional discounts are available to medical professionals in all fields. Pharmacists and nutritionists are eligible, and researchers and scientists developing new treatments or medications qualify as well, along with LPNs and surgeons.

If you work in the medical field in any capacity, ask your insurance agent about a possible discount. This video from Shine Insurance discusses how you can get the discounts you qualify for.

Even students studying medicine in college can get discounts on affordable car insurance for students if they maintain a 3.0 or better GPA.

As with the good credit score discount, insurance companies believe that anyone studying for a career in medicine is probably a responsible person and therefore less of a risk to insure.

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Frequently Asked Questions: Car Insurance for Medical Professionals

Now you know more about car discounts for healthcare workers.

If you need a little more information about car insurance for doctors and other healthcare workers, take a look at the frequently asked questions below.

#1 – Are there special car deals for healthcare workers?

You may be able to find special car discounts for healthcare workers, especially as COVID-19 has led to an increased appreciation for this line of work in most circles. CNN recently published a list of coronavirus-related deals for healthcare workers.

Companies like Chevrolet and GM are currently offering deals on cars for healthcare workers.

#2 – Does health insurance affect car insurance?

There are specific types of insurance coverage — known as MedPay and Personal Injury Protection (PIP) insurance — that pay for the costs associated with injuries after an accident.

MedPay and PIP coverages may not cover all of your medical bills from an accident and they won’t pay for any sort of non-vehicular injury or illness. Car insurance is not a substitute for health insurance.

#3 – Which insurance is best for your vehicle?

The best type of insurance for your vehicle really depends on your car and what’s important to you. Newer or leased cars should have full coverage, but older cars may get away with liability-only coverage.

Each state has its own minimum requirements for car insurance, and the  Insurance Information Institute has compiled a list of them for your reference.

You should also check an insurer’s ratings. A.M. Best ratings show an insurer’s financial standing.

Sick of bad customer service? Check an insurer’s J.D. Power ratings to see how well it actually serves its policyholders.

Who has the most affordable car insurance? To get cheap car insurance for medical professionals, enter your ZIP code below. You’ll get FREE quotes from top insurers to compare.

References:

  1. https://www.bls.gov/oes/current/oes290000.htm
  2. https://www.cnn.com/2020/04/24/cnn-underscored/coronavirus-healthcare-workers-deals-discounts/index.html
  3. https://www.iii.org/automobile-financial-responsibility-laws-by-state
  4. https://www.jdpower.com/business/press-releases/2020-us-auto-insurance-study

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