Car Insurance for Optometrists

Car insurance for optometrists typically costs around $151 per month. Car insurance rates for optometrists tend to be higher than average, which is likely a result of having a stressful job that requires a bit of travel. If you are searching for affordable optometrist car insurance, you should consider asking individual companies about any discounts you may be eligible to receive.

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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: Sep 30, 2021

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The Rundown

  • Car insurance for optometrists costs an average of $151 per month
  • Optometrists may be eligible for discounts on car insurance based on their careers
  • Factors such as your driving record and your age are more likely to make an impact on your car insurance rates than your job

If you are an optometrist, you may be curious to know how your career may impact your car insurance rates. The truth is, your job is just one of the many factors car insurance companies consider when developing rates for any potential policyholder.

As an optometrist, you may be eligible for certain discounts and opportunities to lower your car insurance rates. But the best thing you can do to find reliable car insurance for optometrists is to shop around for free insurance quotes online.

Searching for online quotes will allow you to find affordable optometrist car insurance that meets your needs. You can use our free tool above to find car insurance for eye doctors today.

How much is car insurance for optometrists?

The average monthly optometrist car insurance rates are around $150. Since this is an average rate, however, there’s really no way to know how much you should be paying for car insurance until you compare quotes and evaluate your current car insurance provider.

In fact, many policyholders receive car insurance rates that vary anywhere from five to 20% depending on the optometrist car insurance quotes you receive. So it is extremely important for you to shop around to find what works best for you.

A monthly car insurance rate of $151 is relatively high. For many medical professionals, this is relatively normal.

Many insurance companies may start optometrists at a higher rate because of the underlying assumption that they drive more often and farther for work, or because the nature of their job is likely to be high-stress.

Does being an optometrist make a difference to car insurance companies?

When it comes to optometrist car insurance, companies are likely to consider your career when they develop your quotes. But your job is just one of the many things that car insurance companies evaluate.

Other major factors that most car insurance companies look at when developing car insurance rates include:

  • Your driving record
  • Your address
  • How often you drive
  • How far you drive
  • Your age
  • Your gender
  • The type of car you drive
  • Your credit history
  • The amount and types of coverage on your policy

All of these factors, plus your career, are likely to come into play when individual insurance companies offer you car insurance quotes for optometrists.

Many companies will tell you that your credit history, the types and amounts of insurance you want, and the amount you drive on average are among the most important factors.

You should also know that an insurance company is never allowed to factor your race or religion into its assessment.

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Can optometrists get car insurance discounts?

While you may not be able to get a discount on your car insurance simply because of your career, there are several discounts you may be eligible for, depending on the company you’re considering.

While the list below is not exhaustive, and the average discount percentages are not exact, it may give you a better idea of what to ask about when it comes to potential car insurance discounts.

Potential Car Insurance Discounts
Discount TypeAverage Discount Percentage
Anti-lock Brakes5%
Anti-Theft5%
Claim Free5%
Continuous Coverage5-10%
Daytime Running Lights5%
Defensive Driver5-10%
Distant Student5%
Driver's Ed5%
Driving Device/App10%
Full Payment5-10%
Good Student5%
Homeowner5%
Low Mileage5%
Married5-10%
Membership/Group5-15%
Multiple Policies5-10%
Multiple Vehicles5%
Newer Vehicle5%
Passive Restraint2-5%
Safe Driver5%
Vehicle Recovery2-5%

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If any of the options above apply to you, be sure to ask each company you are considering whether they offer that specific discount before you agree to any rates.

You could also consider asking your provider for car insurance discounts for optometrists. While it’s not likely that there’s a specific discount for your career, it never hurts to ask.

Which company offers the best car insurance for optometrists?

There is no single optometrist car insurance company. Because of this, it is difficult to say with certainty what the best insurance company is when it comes to car insurance rates for optometrists.

Instead of focusing on one company, your best bet is to shop around online and get quotes to see what different companies would offer you. Once you do this, you’ll have a good idea of how much you will pay for optometrist car insurance.

Additionally, as mentioned earlier, once you’ve narrowed your search down to a few companies, you can contact each one directly to inquire about discounts and other opportunities to save on your car insurance rates.

If you are ready to buy optometrist car insurance today, you can use our free quote tool below to find the best options in your area.

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