Buy Cheap Auto Insurance for Healthcare Workers in 2024
Auto insurance for healthcare workers can be cheaper due to the high education level and low claims rate, and discounts on car insurance for healthcare professionals average 10-15%. Geico rates for nurses average $158/mo. and for surgeons $153/mo. Healthcare worker discounts may be offered by Progressive, Allstate, or USAA car insurance, depending on your profession. It's important to ask about auto insurance company discounts for healthcare workers when requesting quotes.
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Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
UPDATED: Nov 6, 2023
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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Nov 6, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
| Healthcare Worker OVERVIEW | STATS TO KNOW |
|---|---|
| National Employment Estimate | 8,673,140 |
| State with the Highest Employment Level | California |
| Top Paying State | Hawaii |
| Median Hourly Wage Estimate | $40.21 |
| Median Annual Wage Estimate | $83,640 |
Auto insurance for healthcare workers comes with a variety of unique discounts and is generally less expensive than for drivers in other professions.
The percentage of income that goes toward auto insurance is lower for doctors and others who are in a higher-income bracket, and nurses can get discounts too. You’re also eligible for special auto insurance discounts for healthcare workers with some companies, and you may want to switch auto insurance when you find out how much you could save, even from big-name insurers like Allstate and USAA car insurance.
If you’re looking for the best auto insurance company as a healthcare worker, we can help. Enter your ZIP code above to get FREE quotes.
Table of Contents
Auto Insurance Rates for Healthcare Workers
Do insurance companies check occupation? Just like credit score and driving record, insurers think that your occupation determines how much of a risk you will be for them to insure.
The Bureau of Labor Statistics estimates that there are 8,673,140 healthcare practitioners and technicians. Doctors, nurses, and medical technicians are generally in a higher income bracket than the typical driver and are often familiar first-hand with the consequences of bad driving.
Because of that, insurers usually deem healthcare workers to be lower-risk. That’s good news for your wallet.
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What profession is the cheapest for car insurance?
Homemakers and professors are among the cheapest, but healthcare professionals usually have pretty good rates as well. There are lots of options for discount auto insurance for nurses and doctors.
The table below shows sample rates from Geico for various healthcare professionals.
| Healthcare Occupation | Geico Monthly Rates | Geico 6-Month Rates | Geico Annual Rates |
|---|---|---|---|
| Surgeon | $152.80 | $916.80 | $1,833.60 |
| Orthodontist | $152.80 | $916.80 | $1,833.60 |
| Nurse | $157.98 | $947.90 | $1,895.80 |
| Occupational Therapist | $157.98 | $947.90 | $1,895.80 |
They’re considered to be lower-risk, but keep in mind that insurers also price their rates on income, so that’s what typically pushes up a healthcare worker’s auto insurance rates.
Income for doctors varies by state, but so does auto insurance. The actual percentage of income that goes toward auto insurance is lower for doctors and many other healthcare workers. You can see some samples below.
| STATES | AVERAGE ANNUAL SALARY FOR DOCTORS | AVERAGE ANNUAL AUTO INSURANCE RATES | AUTO INSURANCE AS A PERCENT OF INCOME |
|---|---|---|---|
| Alabama | $113,472 | $3,422 | 3.02% |
| Alaska | $129,399 | $3,567 | 2.76% |
| Arizona | $121,805 | $4,125 | 3.39% |
| Arkansas | $114,153 | $3,771 | 3.30% |
| California | $127,359 | $3,689 | 2.90% |
| Colorado | $121,516 | $3,876 | 3.19% |
| Connecticut | $130,206 | $4,619 | 3.55% |
| Delaware | $121,626 | $5,986 | 4.92% |
| Florida | $109,362 | $4,680 | 4.28% |
| Georgia | $115,953 | $4,967 | 4.28% |
| Hawaii | $135,199 | $2,556 | 1.89% |
| Idaho | $129,399 | $2,981 | 2.30% |
| Illinois | $113,482 | $2,979 | 2.63% |
| Indiana | $119,348 | $3,305 | 2.77% |
| Iowa | $117,141 | $3,415 | 2.92% |
| Kansas | $118,853 | $3,280 | 2.76% |
| Kentucky | $123,861 | $5,195 | 4.19% |
| Louisiana | $118,480 | $5,711 | 4.82% |
| Maine | $118,373 | $2,953 | 2.49% |
| Maryland | $130,353 | $4,583 | 3.52% |
| Massachusetts | $140,610 | $2,679 | 1.91% |
| Michigan | $113,669 | $10,499 | 9.24% |
| Minnesota | $122,070 | $4,403 | 3.61% |
| Mississippi | $112,072 | $3,329 | 2.97% |
| Missouri | $112,001 | $3,665 | 3.27% |
| Montana | $129,399 | $3,221 | 2.49% |
| Nebraska | $128,329 | $3,393 | 2.64% |
| Nevada | $129,399 | $4,166 | 3.22% |
| New Hampshire | $136,828 | $3,284 | 2.40% |
| New Jersey | $123,535 | $3,152 | 2.55% |
| New Mexico | $114,398 | $5,515 | 4.82% |
| New York | $141,997 | $3,464 | 2.44% |
| North Carolina | $104,313 | $4,862 | 4.66% |
| North Dakota | $129,399 | $4,290 | 3.32% |
| Ohio | $120,954 | $2,710 | 2.24% |
| Oklahoma | $119,204 | $4,142 | 3.47% |
| Oregon | $121,486 | $3,468 | 2.85% |
| Pennsylvania | $122,751 | $4,035 | 3.29% |
| Rhode Island | $127,832 | $5,003 | 3.91% |
| South Carolina | $122,214 | $3,781 | 3.09% |
| South Dakota | $123,806 | $3,982 | 3.22% |
| Tennessee | $121,673 | $3,661 | 3.01% |
| Texas | $114,533 | $4,043 | 3.53% |
| Utah | $119,980 | $3,612 | 3.01% |
| Vermont | $128,258 | $2,358 | 1.84% |
| Virginia | $126,640 | $3,234 | 2.55% |
| Washington | $139,675 | $3,059 | 2.19% |
| West Virginia | $123,600 | $2,595 | 2.10% |
| Wisconsin | $120,557 | $3,606 | 2.99% |
| Wyoming | $129,399 | $3,200 | 2.47% |
But it’s important to note that your profession isn’t the only — and certainly not the biggest — factor in determining your auto insurance.
What other factors affect your auto insurance rates?
The single biggest thing that affects your rates is your driving record. The table below shows how much your rates will increase with a speeding ticket, at-fault accident, or DUI.
| Companies | Average Annual Rates with a Clean Record | Average Annual Rates with One Accident | Average Annual Rates with One DUI | Average 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 |
Your rates will go up with these events:
- One at-fault accident: 20 to 49 percent increase
- One speeding ticket: 12 to 24 percent increase
- One DUI: 17 to 127 percent increase
This video from Allstate talks a bit about things that can influence your rates.
Your credit score and commute length are also important factors, as well as the value of your vehicle and its safety ratings.
Nearly every state has a required minimum amount of insurance, so you will have to purchase auto insurance by state requirements. If you choose to get full coverage, you’ll of course pay more. There are additional auto insurance that you can add on top of that if you choose.
Auto Insurance Discounts for Healthcare Workers
What discounts can you get on auto insurance? Statistics show that doctors and other healthcare workers are likely to have lower claims rates than drivers in other professions. Because of this, some auto insurers offer discounts specifically for doctors, nurses, and first responders.
You may qualify for various healthcare worker discounts, though many discounts are available for any drive regardless of occupation. Education is also a factor, as those with a higher education level are considered to be lower risk. What is an insurance discount for higher education?
These discounts for healthcare workers with a Ph.D. are the same as to anyone else with the degree. You’ll generally get about a 10 to 15 percent discount when you have earned a Ph.D.
Here are some more discounts that you may qualify for, such as a safe driver discount or multi-policy.
| Discount Name | Discounted Percentage |
|---|---|
| Affiliation or "affinity" | 25% |
| Good or safe driver | 20% |
| Multi-car | 10 – 25% |
| Good student | 10 – 20% |
| Green/hybrid car | 10% |
| New car | 10% |
| Homeowner | 5 – 15% |
| Bundled (multi-policy) | 5 – 10% |
| Paid-in-full | 5 – 10% |
| Accident-free | 5% |
| Paperless | 3% |
| Usage or low-mileage | 2% |
| Occupation | Varies |
This video from Shine Insurance goes over some common discounts you may qualify for.
So even if you find yourself facing down an expensive quote because of a past DUI or speeding ticket, it’s important to shop around to see which discounts you may be able to add on.
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Frequently Asked Questions
Let’s take a look at a few more FAQs below.
What is the best auto insurance company for healthcare workers?
When choosing the best auto insurance company for you, it helps to look at their ratings. To see the financial strength and reliability of a company, A.M. Best ratings create impartial reports.
And most people will say that customer service is pretty important to them. Waiting for 30 minutes to speak to a rude representative is never fun. So, a company’s J.D. Power ratings are important and can show you just how well they do in this category.
Although a Geico quote is often the cheapest auto insurance company, it’s always worth comparing multiple insurers, like Esurance and Progressive as well.
Are there special auto insurance company discounts for healthcare workers?
COVID-19 has changed a lot of our world, and most people and corporations now have a higher appreciation of healthcare workers. That’s resulted in a lot of additional discounts becoming available, even for vehicles. CNN has published one list of these available discounts. Companies like GM and Chevrolet are among those offering discounts at this time.
If you’re a healthcare worker who wants the best price on auto insurance, we can help. Enter your ZIP code below to get FREE quotes from multiple insurers.
References:
Frequently Asked Questions
Why should healthcare workers consider purchasing auto insurance specifically tailored for their profession?
Healthcare workers often face unique challenges and risks while driving due to their demanding schedules, high-stress environments, and the nature of their work. Auto insurance designed for healthcare workers can provide specialized coverage options and benefits that address these specific needs. It can also offer cost-saving opportunities and additional perks that cater to healthcare professionals.
What are some advantages of purchasing auto insurance for healthcare workers?
Buying auto insurance specifically designed for healthcare workers can offer several advantages, such as:
- Lower premiums: Insurers may offer discounted rates for healthcare professionals based on their occupation, as they are generally considered responsible and lower-risk drivers.
- Enhanced coverage options: Policies tailored to healthcare workers may include features like coverage for work-related equipment or personal property used in the course of their job.
- Flexible coverage: Healthcare workers often have irregular schedules. Some auto insurance policies designed for them may provide flexibility in coverage for situations where they use their personal vehicle for work-related purposes.
- Additional benefits: Some insurers offer additional perks to healthcare professionals, such as roadside assistance, extended coverage for commuting to and from work, or discounts on rental cars.
How can healthcare workers find affordable auto insurance?
To find affordable auto insurance for healthcare workers, consider the following steps:
- Shop around: Obtain quotes from multiple insurance providers and compare their offerings to find the most competitive rates and suitable coverage options for your needs.
- Inquire about professional discounts: Ask insurance companies if they offer specific discounts or special rates for healthcare workers. This can help reduce premiums.
- Review coverage needs: Assess your insurance requirements and determine the coverage types and limits that best suit your circumstances. Eliminating unnecessary coverage can help keep costs down.
- Maintain a clean driving record: Safe driving habits and a clean driving record can positively impact insurance premiums. Avoiding traffic violations and accidents can help secure lower rates.
- Consider bundling policies: If you require other insurance policies, such as home or renters insurance, bundling them with your auto insurance might lead to discounted rates.
Can healthcare workers get discounts on auto insurance through professional associations?
Yes, many professional associations for healthcare workers have partnerships with insurance companies that offer discounted rates on auto insurance. It’s worth checking with your professional association or union to see if they have any such arrangements in place. These discounts can provide additional savings and unique benefits for members.
Are there any specific factors healthcare workers should consider when purchasing auto insurance?
When purchasing auto insurance as a healthcare worker, it’s important to consider the following factors:
- Usage of personal vehicle for work: If you frequently use your personal vehicle for work-related activities, ensure that your policy covers such usage adequately.
- Liability coverage: Given the potential for medical liability claims, healthcare workers should consider higher liability coverage limits to protect their assets in case of an accident.
- Coverage for medical equipment: If you transport specialized medical equipment in your vehicle, verify that your policy includes coverage for its loss or damage.
- Roadside assistance: Due to the critical nature of healthcare work, having reliable roadside assistance coverage can be beneficial in case of unexpected vehicle breakdowns.
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Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.