Auto Insurance for Nurses (2024)

Many different factors affect car insurance rates. One of the most common factors that insurance companies look for when determining a driver’s rates is their occupation.

Although nursing and other healthcare specialties are known as stressful careers, car insurance for healthcare workers tends to be lower than the national average. Liberty Mutual and Nationwide tend to offer the best auto insurance rates for nurses.

Read below to explore options for the best auto insurance for nurses, including which companies might offer car insurance discounts for nurses. Then, compare insurance quotes with as many companies as possible to find the best policy for you.

Auto Insurance for Nurses vs. Other Drivers: Who Pays More

Only a handful of companies offer auto insurance discounts for nurses, but medical professionals tend to save about $114 annually on auto insurance.

What determines if you’ll get a favorable or unfavorable occupation rating depends on how drivers in your risk class drive as a group. If you drive in stressful conditions or work long hours, you’d think you’d pay a higher rate.

Typically this is true, but it’s the opposite for nurses. Because nurses see so much trauma, they tend to make better decisions while driving. According to the National Institutes of Health’s claim data, nurses are actually safer drivers than doctors, and if they’re not commuting to and from work, they don’t have to worry about a long commute to the hospital affecting their rates.

In general, as long as you’re not commuting in your own car, you’ll qualify for a pleasure rating that keeps your rates very low.

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Best Auto Insurance Companies for Nurses

Finding discounts for nurses and other medical professionals is usually easy, especially after their heroic efforts during the COVID-19 pandemic. Unfortunately, finding a car insurance discount for nurses can be difficult.

If you’re looking for cheap auto insurance for nurses, consider the following companies:

• Liberty Mutual: Liberty Mutual auto insurance partners with the American Nurses Association to provide discounts for nurses who are a part of that program. You’ll need to check with a representative, as Liberty Mutual only offers this discount in some states.
• Nationwide: Nationwide also partners with the American Nurses Association to give members an insurance discount. Compare company rates and discounts in our Nationwide auto insurance company review.
• Geico: Geico offers one of the longest lists of discounts for workplace organizations. It works with Obstetric and Neonatal Nurses, the Association of Women’s Health, and several other healthcare organizations. Compare more discounts in our Geico auto insurance review.
• Farmers: Farmers Insurance offers a 5% discount for nurses, as well as lawyers, teachers, first responders, and doctors. Learn more in our Farmers auto insurance review.
• AAA: AAA offers auto insurance discounts for several organizations, such as the American Society of Registered Nurses. However, AAA is only available in certain states, so read our AAA car insurance review to find it locally.
• California Casualty: California Casualty offers several auto insurance discounts for nurses, including a reduced deductible if your vehicle is hit within 500 feet of your workplace. Read our California Casualty auto insurance review to see if coverage is available in your state.

Other companies offer discounts that some nurses can take advantage of. For example, the State Farm nurse discount is only available to first responders.

Comparing Auto Insurance Rates for Nurses

Nurses tend to see slightly lower rates than average drivers. However, shopping around for car insurance is still important since rates can vary significantly between companies.

Check below to see how much some of the biggest insurance companies in America charge nurses for car insurance.

Full Coverage Average Auto Insurance Rates for Nurses by Provider

As you can see, Geico, Nationwide, and Progressive offer some of the lowest rates for nurses.

Companies consider a variety of factors that affect car insurance rates when crafting quotes, including age, gender, ZIP code, and driving record. As a result, you might find a different company with better rates for your specific situation, so compare at least three other companies before making your final decision.

Now let’s look at what could affect your auto insurance if you are a healthcare worker or nurse.

Auto Insurance Rates for Travel Nurses

Mileage is a universal rating factor that’s used by all carriers selling auto insurance. It’s statistically proven that your probability of having an accident goes up as your annual mileage goes up. See how rates compare by company and mileage below:

Auto Insurance Average Monthly Rates by Commute

Many carriers will give their clients discounts just for driving under 5,000 miles every year. Some carriers have a restriction of 3,000 miles per year. Your mileage will be noted at your next renewal.

There are many advantages to working as a travel nurse if you’re afforded the freedom to travel as you earn. Not only do you get a decent wage as a traveling nurse, but you can also discover different areas of the country. At the same time, the contracting hospital pays for your living expenses and your relocation.

You’ll have a lot of arrangements to make, and one that you can’t forget is to update your car insurance. You should brush up on local auto insurance laws to determine if you need to add or change your coverage. Fortunately, relocating out of the state for a few months won’t create a need to change your insurance to the new state as long as you keep your car registered in the same state.

Auto Insurance Discounts for Nurses

Insurance companies consider nurses low-risk drivers because they are less likely to drive dangerously, get into accidents, and file claims. Because of this, you’ll see lower overall rates, but there are plenty of options to save more money with auto insurance discounts.

While you may not see nurse-specific discounts at every company, these are some of the most common ways to save money on car insurance for nurses:

• Driver education discount: Most major companies will give you a driver’s ed discount if you take a driver’s education class. You’ll need to pass a course approved by your insurance company to qualify.
• Safe driving discount: You can earn this discount by keeping your driving record clean of accidents, tickets, and other traffic violations. Every company is different, but you usually need to go three years with no incidents to qualify.
• Good student discount: You might earn a discount on your insurance if you’re a full-time student under 25 and maintain a 3.0 GPA. Find discounts for good students.
• Bundling discounts: Major insurance companies often offer multiple types of insurance and give policyholders discounts for bundling multiple policies. Learn how to save money by bundling insurance policies with the same company.
• Homeowners discount: Since homeowners are statistically less likely to file a claim, most companies offer a discount if you have home insurance.
• Multi-car discount: If you have multiple cars in your household, you’ll be able to save a small amount if you add them to the same policy.
• Paid-in-full discount: Splitting your car insurance policy into monthly payments makes it easier to pay, but you can save a small amount if you pay for everything at once.
• Anti-theft device discount: Adding devices that will keep your car safe from thieves often results in lower insurance rates.

Depending on the company you shop with, you’ll probably find additional discounts. Most discounts will be applied to your policy when you get a quote, but you can also check with a representative to ensure you save as much as possible.

American Nursing Association Auto Insurance Discounts

Both nursing students and professional licensed nurses can join the American Nursing Association (ANA). This organization plays a huge role in advancing the nursing profession by helping registered nurses stay skilled and ethical in their choices.

Being a member of the ANA offers huge benefits, including the following discounts for nurses:

• If you’re a professional member of the ANA, you’ll get discounts from organizational affiliates that work closely with the organization.
• Some auto insurance providers will offer benefits like special group rates to nurses. When a carrier charges a client a group insurance rate, your rates are calculated by looking at the risk to you and the people who fall into the group.

As a nurse and member of the ANA, insurers will offer you discounts because members tend to fall in a better risk class.

Not everyone is eligible for group rates. Many people think that the only time they can get a group rate is to buy employed-sponsored health insurance coverage, but that’s not always the case.

If you’re a nurse with an ANA membership, you’ll have to identify which companies currently have nursing affinity programs.

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How to Get the Cheapest Auto Insurance for Nurses

Discounts provide lower auto insurance rates for nurses, but it doesn’t guarantee cheaper rates. Why? Factors that determine auto insurance could raise rates by hundreds of dollars.

A 5%-10% decrease can be helpful, but it may not eliminate auto insurance rates that are out of your budget. Continue reading to learn five ways you can save on auto insurance rates for nurses.

Bundle Your Policies

Do you own a home? If you happen to be a homeowner, you can save money on auto insurance if you bundle your policy with a homeowners insurance policy. Even bundling with renters insurance can save you at least 12% on auto insurance.

Use Telematics

Telematics is the monitoring system auto insurance companies use to track your driving habits. Common driving behaviors such as speed, hard braking, travel time, and the number of miles are recorded each day you drive.

Telematics is common in usage-based car insurance (UBI) programs. Some companies will provide a Bluetooth beacon that connects to your smartphone. All of these devices send information to your auto insurance company. Your driving habits are graded over time and translated into savings.

Usage Based/Telematics Introduction Table

With UBI auto insurance, you can save hundreds in addition to discounts you already have.

Choose the Coverage You Need

Manage your coverage options at the beginning of your policy. If you already own a vehicle, you can enroll in the state’s minimum requirement, which is liability auto insurance.

However, a car that you’re leasing or financing will require full coverage. Full coverage is simply collision and comprehensive coverage added to your auto insurance policy. You can save money by choosing the lowest coverage level.

Avoid Making Small Claims

Getting into an accident will increase your auto insurance rates, but some accidents may not require you to make a claim. Small scratches and minor dents don’t need a claim.

However, you’re welcome to file a claim. When you file a claim, your auto insurance company will add that to the risk and possibly increase your rates.

Compare Multiple Companies and Shop Around

One of the best methods is comparing auto insurance quotes from multiple companies.

You’re not entitled to go with the first quote you receive. It might require you to share some personal information, but you can get direct quotes from companies and compare their rates. The best auto insurance company is the one that meets your needs.

Try comparing auto insurance quotes for nurses with our free online quote tool below. Enter your ZIP code to get started.

Get Affordable Auto Insurance for Nurses Today

Finding the best car insurance for nurses isn’t usually challenging since companies consider them low-risk drivers. Nurses can find the lowest rates for auto insurance by looking for discounts, choosing the right coverage, and comparing quotes.

While some companies offer special discounts for nurses, you can do plenty of other things to find affordable coverage. Make sure to compare quotes from as many companies as possible to find the best price for your needs.

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