How to Get a Doctor Auto Insurance Discount (2024)

It may come as a surprise, but finding auto insurance deals for doctors can be challenging. When you’re trying to figure out how to lower your auto insurance rates, you’ll probably need to consider other options besides finding a discount specifically for doctors.

Luckily, there are plenty of money-saving alternatives for various types of auto insurance. From lowering your coverage to trying a telematics program, most auto insurance companies offer plenty of ways to keep your costs low and insurance discounts for medical professionals.

Read on to learn where you can find a doctor auto insurance discount and alternative ways to save on your policy. Then, enter your ZIP code above to compare quotes with as many companies as possible to ensure you find the most affordable policy.

Auto Insurance Discounts for Doctors: The Best Companies

You might expect most companies to offer auto insurance discounts for medical professionals, but they are surprisingly hard to come by. The following companies are currently the only ones who offer a discount specifically for doctors:

• Farmers: Farmers auto insurance offers a flat 5% auto discount for medical professionals, as well as for teachers, police officers, firefighters, and lawyers.
• Geico: Well-known for its wide array of discounts for organizations, Geico auto insurance offers savings for members of medical organizations like the Association of Women’s Health.
• Nationwide: Members of the American Doctors Association might receive a small discount from Nationwide. Speak with a representative or check out our Nationwide auto insurance company review to learn more.
• California Casualty: While California Casualty auto insurance isn’t available in all 50 states, it offers a variety of special discounts specially crafted for doctors.
• Liberty Mutual: You’ll need to check with a representative, but Liberty Mutual auto insurance often teams with local employers to offer a discount. Sometimes, this discount applies to medical organizations.

As you can see, few companies offer a specifically crafted medical professional auto insurance discount. However, there are plenty of other discounts doctors can take advantage of.

Other Auto Insurance Discounts for Medical Professionals

When you want to save as much as possible on your auto insurance, taking advantage of discounts is crucial. Every company has its own list of options, but some of the most common discounts to look for include the following:

• Good driver: Most insurance companies offer good driver auto insurance discounts to drivers who remain claims-free for a certain period, usually about three years.
• Defensive driver: If you pass a defensive driving class approved by your insurance company, you might earn a defensive driver auto insurance discount on your policy.
• Telematics: Most companies offer usage-based auto insurance programs to help safe, low-mileage drivers save. Depending on the company, you can save up to 40%.
• New car: If your vehicle is three years old or newer, you might get a small new car auto insurance discount. You might need to meet other criteria to qualify for this discount, so make sure to check with a representative.
• Anti-theft devices: You can get an anti-theft discount on your comprehensive insurance by installing anti-theft devices in your car. Popular devices include audible alarms and GPS tracking.
• Good student: Full-time students under the age of 25 can get a good student auto insurance discount by maintaining a GPA of 3.0 or higher. While this discount won’t help most doctors, it’ll lower your rates if you have a teen driver on your policy.
• Homeowner: Most companies give a discount to people who own their home and have an insurance policy covering it.
• Bundling: Insurance companies often offer more than just auto insurance. You’ll likely receive a discount if you bundle insurance policies from the same company.
• Multi-car: Households with multiple cars can get a multi-car discount by insuring them on the same policy.

These are only some options most companies offer to help drivers save. It’s important to look at how many discounts a company offers when searching for an auto insurance policy since some offer many more than others. Most companies automatically apply eligible discounts to your policy when you sign up, but you can always speak with a representative to ensure you’re getting every saving possible.

Doctor Auto Insurance Cost

Insurers consider various factors that affect auto insurance rates, including age, location, and driving history. Most companies don’t look at your job but can use your education level in most states. Insurance companies assume people with higher education levels are less likely to drive recklessly, so they charge a little less for insurance.

You’ll also pay more or less depending on how much coverage you need. For example, you’ll probably need full coverage if you have a new or valuable car. Full coverage auto insurance usually costs two to three times as much as minimum insurance, but it offers much better protection.

Doctors tend to pay a little less than the national average for auto insurance. To get an idea of how much the average driver pays, check the rates below:

Liability vs. Full Coverage Auto Insurance Monthly Rates by Provider

Whatever the average insurance rates are, you can expect to pay a little less as a doctor or medical professional.

However, you might see much different rates, depending on your situation. For example, having a single speeding ticket on your driving record can increase your rates by 25%. Read more about the best auto insurance companies for drivers with speeding tickets.

Other Auto Insurance Deals for Doctors

Finding doctor auto insurance deals might not be the easiest task, but that doesn’t mean there aren’t other ways to save. If you’re trying to find the cheapest policy possible, consider the following money-saving methods:

• Raise your deductible. Most insurance companies let you choose your auto insurance deductible, which is the amount you must pay before your coverage kicks in. Higher deductibles keep your monthly rates low, but you’ll need to pay more if you file a claim.
• Keep your car safe. Insurance companies charge a little less if you regularly park in a secure garage or private driveway. You’re also likely to get a discount if you have safety systems installed, like audible alarms or GPS tracking.
• Lower your coverage. Depending on your situation, you might be able to save by lowering your coverage. Speak with a representative if you’re unsure how much auto insurance you need.
• Drive safe. Maintaining a clean driving record is one of the easiest ways to keep your rates low. Drivers with speeding tickets, at-fault accidents, or DUIs can pay much more for their insurance. Read more about the best auto insurance companies for drivers with a DUI.

While the tips listed above are great ways to keep your monthly rates low, the most important step is to compare quotes. Comparing quotes from multiple companies is the best way to find cheap auto insurance, no matter what your situation is.

Find the Best Savings With Auto Insurance Discounts for Medical Professionals

No matter what role you play in the health care field, finding an auto insurance discount for doctors can be difficult. Few of the best auto insurance companies offer insurance discounts for health care workers, but that doesn’t mean you won’t be able to find affordable coverage.

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From finding other discounts to keeping your driving record clean, there are plenty of ways to find a cheap auto insurance policy for doctors. One of the best ways to ensure you’re not overpaying for your doctor auto insurance is to compare quotes. Enter your ZIP code into our free quote comparison tool below to get started.