Best Car Insurance for Healthcare Professionals (2023)
Find the best car insurance for healthcare professionals and save money with our comprehensive comparison tool. Compare rates, coverage, and discounts to make an informed decision. Safeguard your vehicle and your career with the right insurance plan tailored to your needs. Enter your details now and start comparing quotes from top insurance providers to secure the best coverage at the most affordable rates.
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Kristen Gryglik
Licensed Insurance Agent
Kristen is a licensed insurance agent working in the greater Boston area. She has over 20 years of experience counseling individuals and businesses on which insurance policies best fit their needs and budgets. She knows everyone has their own unique needs and circumstances, and she is passionate about counseling others on which policy is right for them. Licensed in Massachusetts, New Hampshire,...
Licensed Insurance Agent
UPDATED: Aug 4, 2023
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Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above 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 insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Aug 4, 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 insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- The Bureau of Labor Statistics estimates that there are 8,673,140 healthcare practitioners and technicians in the United States
- Car insurance for healthcare professionals 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
- Healthcare professional discounts for car insurance (like for belonging to a professional organization) may also save you additional money
Are you a healthcare professional in need of reliable car insurance? Look no further. In this comprehensive article, we explore the best car insurance options specifically tailored for healthcare professionals like you. We cover key topics such as specialized coverage for medical equipment, average annual rate. and discounts exclusive to healthcare professionals.
Discover the peace of mind that comes with the best car insurance for healthcare professionals. Enter your zip code now and compare rates from top insurance providers to find the perfect coverage that suits your unique needs and budget. Your road to affordable and comprehensive car insurance starts here.
How much is car insurance for healthcare professionals?
What is the price of individual car insurance for healthcare workers, considering the healthcare worker car insurance discount? What are average car insurance rates for healthcare professionals? In the same way that there are federal employee car insurance discounts, are there car insurance deals for healthcare workers?
Are you wondering about the doctor car insurance discount? Medical professionals, such as doctors, often receive lower car insurance rates. This benefit stems from insurance companies viewing the extensive education and training required to become a medical professional as a strong indicator of one’s responsibility and personal integrity.
Hence, when you apply for coverage, insurance companies often inquire about your occupation to determine the level of risk and offer appropriate discounts accordingly.
The Bureau of Labor Statistics (BLS) estimates that there are 8,673,140 healthcare practitioners and technicians in the United States.
Look at this table for some basic BLS employment statistics on healthcare professionals across the United States.
Read more: Occupation Car Insurance Discount
| Healthcare Workers Employment Fact | Healthcare Workers Employment Statistics |
|---|---|
| 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 |
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.
As a result, car insurance for healthcare workers isn’t as expensive as it is for people working in many other professions.
In addition to lower rates, doctors typically pay a smaller percentage of their annual income for car insurance. This is in part since they earn relatively high salaries.
Take a look at this table to see 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.
Read more: Indiana Car Insurance Discounts
Read more: Maryland Car Insurance Discounts
| States | Average Annual Salary For Doctors | Average Annual Auto Insurance Rates | Average Annual Insurance Rates as a Percentage of Income |
|---|---|---|---|
| Vermont | $128,258 | $2,358 | 1.84% |
| Hawaii | $135,199 | $2,556 | 1.89% |
| West Virginia | $123,600 | $2,595 | 2.10% |
| Massachusetts | $140,610 | $2,679 | 1.91% |
| Ohio | $120,954 | $2,710 | 2.24% |
| Maine | $118,373 | $2,953 | 2.49% |
| Illinois | $113,482 | $2,979 | 2.63% |
| Idaho | $129,399 | $2,981 | 2.30% |
| Washington | $139,675 | $3,059 | 2.19% |
| New Jersey | $123,535 | $3,152 | 2.55% |
| Wyoming | $129,399 | $3,200 | 2.47% |
| Montana | $129,399 | $3,221 | 2.49% |
| Virginia | $126,640 | $3,234 | 2.55% |
| Kansas | $118,853 | $3,280 | 2.76% |
| New Hampshire | $136,828 | $3,284 | 2.40% |
| Indiana | $119,348 | $3,305 | 2.77% |
| Mississippi | $112,072 | $3,329 | 2.97% |
| Nebraska | $128,329 | $3,393 | 2.64% |
| Iowa | $117,141 | $3,415 | 2.92% |
| Alabama | $113,472 | $3,422 | 3.02% |
| New York | $141,997 | $3,464 | 2.44% |
| Oregon | $121,486 | $3,468 | 2.85% |
| Alaska | $129,399 | $3,567 | 2.76% |
| Wisconsin | $120,557 | $3,606 | 2.99% |
| Utah | $119,980 | $3,612 | 3.01% |
| Tennessee | $121,673 | $3,661 | 3.01% |
| Missouri | $112,001 | $3,665 | 3.27% |
| California | $127,359 | $3,689 | 2.90% |
| Arkansas | $114,153 | $3,771 | 3.30% |
| South Carolina | $122,214 | $3,781 | 3.09% |
| Colorado | $121,516 | $3,876 | 3.19% |
| South Dakota | $123,806 | $3,982 | 3.22% |
| Pennsylvania | $122,751 | $4,035 | 3.29% |
| Texas | $114,533 | $4,043 | 3.53% |
| Arizona | $121,805 | $4,125 | 3.39% |
| Oklahoma | $119,204 | $4,142 | 3.47% |
| Nevada | $129,399 | $4,166 | 3.22% |
| North Dakota | $129,399 | $4,290 | 3.32% |
| Minnesota | $122,070 | $4,403 | 3.61% |
| Maryland | $130,353 | $4,583 | 3.52% |
| Connecticut | $130,206 | $4,619 | 3.55% |
| Florida | $109,362 | $4,680 | 4.28% |
| North Carolina | $104,313 | $4,862 | 4.66% |
| Georgia | $115,953 | $4,967 | 4.28% |
| Rhode Island | $127,832 | $5,003 | 3.91% |
| Kentucky | $123,861 | $5,195 | 4.19% |
| New Mexico | $114,398 | $5,515 | 4.82% |
| Louisiana | $118,480 | $5,711 | 4.82% |
| Delaware | $121,626 | $5,986 | 4.92% |
| Michigan | $113,669 | $10,499 | 9.24% |
Read more: Delaware Car Insurance Discounts
There are many factors that affect the rates you pay for car insurance that aren’t job-related.
Read more: Massachusetts Car Insurance Discounts
To see how much factors besides occupation can affect rates, let’s talk a little more about some of the variables that can affect your rates. Read on.
Read more: Arkansas Car Insurance Discounts
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How does your driving record affect car insurance for healthcare professionals?
No matter your job, the single biggest factor affecting your car insurance rates will be your driving record. Take a look at this table, which shows how much different insurance companies might raise your rates based on common driving offenses.
| Insurance 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 |
| 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 |
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. Keep in mind, if you’re wondering “How long does a DUI stay on your record?”, it varies by state. But in many cases, it’s for several years.
The best thing you can do to keep your rates low is to practice safe driving habits.
Read more: Arizona Car Insurance Discounts
How does credit score affect auto insurance?
Another factor that affects your car insurance rates—whether you’re a healthcare professional or not—is your credit score. In fact, it is vital that you take the time in understanding credit: a score that impacts everything from your cell phone bill to your car insurance.
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 this table, your credit score can really make a difference when it comes to how much you pay for car insurance.
| Insurance Companies | Average Annual Rates with Good Credit | Average Annual Rates with Fair Credit | Average 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 |
| 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 |
With these major insurers, someone with poor credit could pay between 27 and 127 percent more for coverage than a person with good credit.
Read more: Progressive Car Insurance Discounts
How does commute affect auto 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.
| Insurance Companies | Average Annual Rates with a 10-Mile Commute (6,000 Annual Mileage) | Average Annual Rates with a 25-Mile Commute (12,000 Annual Mileage) |
|---|---|---|
| USAA | $2,482.69 | $2,591.91 |
| 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 |
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. This is because statistically, the more time you spend on the road, the higher your chances of being involved in an incident that could result in claims being filed (meaning you are perceived as higher risk than someone who drives fewer miles each day).
On the flip side, for those who work from home, telecommuting car insurance is a way to save big bucks.
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What are the best and cheapest companies offering car insurance for healthcare professionals?
Part of your journey to finding the most affordable rates will be in knowing the best ways to get the cheapest car insurance quotes for healthcare professionals. For starters, we have created a table for average six-month rates for medical professionals from some of the country’s major insurers.
| Insurance Company | 6-Month Premium |
|---|---|
| Allstate | $1,011 |
| Farmers | $822 |
| Liberty Mutual | $791 |
| Nationwide | $714 |
| Progressive | $744 |
| State Farm | $647 |
| USAA | $545 |
As you can see, USAA offers the lowest rates for healthcare professionals in terms of the cheapest coverage. Still, this insurance is only available to members of the military, veterans, and their families. The cheapest coverage available to all medical professionals is offered by State Farm.
Read more: State Farm Car Insurance Discounts
The best auto insurance companies for healthcare professionals offer discounts based on professional memberships. For example, if you’re a member of the American Nurses Association, you may qualify for discounts based on your membership.
We’ll discuss this in greater detail in the next section, but you should check with your insurer to determine what membership or affinity discounts may be available to you.
Read more: Alabama Car Insurance Discounts
Are there car insurance discounts for nurses and other healthcare professionals?
What professionals qualify for auto insurance discounts? Are there medical professional discounts? The short answer is yes. Nurse car insurance discount is available from many insurance companies, and other healthcare professionals are also covered by discounts. Keep reading for more on what you may qualify for as a medical professional.
Graduating with a BA or a 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.
Many companies offer a car insurance discount for nurses and other healthcare workers. 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.
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 responsible and therefore less of a risk to insure.
What are some other ways to save on car insurance for healthcare professionals?
In addition to various insurance discounts for nurses and healthcare professionals, you’ll want to explore the potential home and car insurance discounts. Don’t forget to ask about other discounts you may qualify for. Bundling multiple policies could save you money. For example, if you bundle your home and auto insurance, many companies offer significant discounts. So, it’s worth considering these options to maximize your savings.
Make sure you get the right coverage mix for your needs. In other words, you need to ask yourself, “How much car insurance do I need?”
If you own a new vehicle, full coverage is probably a good idea. Still, if your vehicle is older, liability may be sufficient (though you should consider higher limits than your state’s minimum requirement).
You should also shop around. Get quotes from at least three companies to make sure you’re getting the best rates based on your needs, considering your profession and any discounts for which you may qualify. You can use the free comparison tool on this page to get started.
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Case Studies: Best Car Insurance for Healthcare Professionals
Case Study 1: Dr. Emily Roberts
Dr. Emily Roberts is a busy emergency room physician who commutes daily to the hospital. Due to her profession, she requires a car insurance policy that provides comprehensive coverage and excellent customer service. After extensive research, Dr. Roberts chose MediCar Insurance for its specialized coverage tailored to healthcare professionals, including medical expense reimbursement in case of an accident.
Case Study 2: Nurse James Johnson
Nurse James Johnson works in home healthcare and frequently travels between different patient locations. As a healthcare professional on the go, he needed car insurance that offered flexibility and affordability. After comparing various options, Nurse Johnson opted for CareGuard Auto Insurance, which provided customizable coverage plans at competitive rates, ensuring his specific needs were met.
Case Study 3: Dr. Sarah Patel
Dr. Sarah Patel is a surgeon who recently started her own private practice. She needed car insurance that offered comprehensive coverage and protection for her professional equipment and supplies. Dr. Patel chose MediPro Insurance as her provider due to its specialized coverage for medical professionals, which included coverage for medical equipment and business property while in transit.
Case Study 4: Paramedic Mark Thompson
Paramedic Mark Thompson, serving in emergency medical services (EMS), needed car insurance with strong liability coverage and protection for medical supplies. He chose RescueShield Insurance, known for tailored coverage for emergency service professionals, ensuring his specific needs are met.
Case Study 5: Dr. Melissa Lewis
Pediatrician Dr. Melissa Lewis, attending medical conferences and seminars, needed car insurance with rental car coverage for professional travel. MediMiles Insurance, offering comprehensive coverage including rental vehicles, became Dr. Lewis’s choice, providing peace of mind during her frequent journeys.
Car Insurance for Healthcare Professionals: The Bottom Line
Car insurance for medical professionals is often lower than for individuals working in other professions. USAA and State Farm offer the lowest rates for medical professionals. But factors like your driving record, credit score, and commute are also factors that can have a significant effect on your rates (often more of an effect than your profession).
Other ways to save on car insurance as a medical professional include asking about discounts, bundling policies, and shopping around for coverage.
Frequently Asked Questions
How much is car insurance for healthcare professionals?
The cost of car insurance for healthcare professionals varies depending on several factors, including driving history, location, and the type of coverage you need. However, on average, nurse car insurance rates are around $157.98 a month, with doctors paying slightly less.
Why do medical professionals (like doctors) pay less for car insurance?
Insurance companies consider the education required to become a medical professional as a solid indicator of responsibility and personal integrity. That’s why companies ask for your occupation when you apply for coverage. Medical professionals like doctors, nurses, and radiologists are eligible for car insurance discounts for healthcare professionals, along with other medical technicians, paramedics, and anesthesiologists.
How does credit score affect auto insurance?
Your credit score can affect your car insurance rates. Insurers consider it as 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.
What are the factors that can increase car insurance rates for healthcare professionals?
Several factors can increase car insurance rates for healthcare professionals, including at-fault accidents, speeding tickets, and DUIs. One at-fault accident can raise your rates by 20 to 49 percent, one speeding ticket by 12 to 24 percent, and one DUI by 17 to 127 percent. Practicing safe driving habits can help keep your rates low.
Are there car insurance deals for healthcare workers?
Yes, there are car insurance deals available for healthcare workers. Insurance companies offer professional discounts to healthcare professionals for belonging to a professional organization or association.
What are the best and cheapest companies offering car insurance for healthcare professionals?
The best and cheapest companies offering car insurance for healthcare professionals include Allstate, Farmers, Liberty Mutual, Nationwide, Progressive, State Farm, and USAA. The rates vary depending on the company and your individual circumstances. It’s best to shop around and compare quotes to find the most affordable option for you.
Compare The Best Insurance Quotes In The Country
Compare quotes from the top insurance companies and save!
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Kristen Gryglik
Licensed Insurance Agent
Kristen is a licensed insurance agent working in the greater Boston area. She has over 20 years of experience counseling individuals and businesses on which insurance policies best fit their needs and budgets. She knows everyone has their own unique needs and circumstances, and she is passionate about counseling others on which policy is right for them. Licensed in Massachusetts, New Hampshire,...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.