Car Insurance for Physical Therapists

Car insurance for physical therapists can be as low as $158/mo, but auto insurance rates for physical therapists vary for each person. Car insurance companies look at several factors, such as driving records and credit history. However, you can secure cheaper rates by asking about auto insurance discounts for physical therapists. Shop around and compare until you find the best car insurance for physical therapists.

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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: Jul 24, 2021

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The Rundown

  • Physical therapists have cheaper than average car insurance rates
  • Veterans who work in physical therapy can pay as low as $161/mo
  • You can get a discount on car insurance if you shop with specific companies

Did you know car insurance for physical therapists is cheaper than most drivers? Physical therapy is an occupation that statistically has a low risk of filing claims, which translates into cheaper car insurance rates.

Several factors determine affordable car insurance for physical therapists. Our guide explains everything you need to know. Continue reading to learn how to secure cheap car insurance rates for therapists and what discounts have the biggest effect.

When you’re ready to buy car insurance for physical therapists, enter your ZIP code in the free comparison tool above to compare multiple companies in your area at once.

How much are car insurance rates for physical therapists?

Auto insurance for physical therapists isn’t set in stone. The National Association of Insurance Commissioners (NAIC) reported that the average cost of liability auto insurance is $46 a month, but car insurance rates vary for each person.

When you start shopping for auto insurance for therapists, you’ll notice that your car insurance rates may be lower than most occupations.

On average, car insurance rates for physical therapists are $158/mo for full coverage, but your rates will vary based on where you live and the level of coverage you need.

How does car insurance affect a physical therapist’s income?

According to the U.S. Bureau of Labor Statistics, physical therapists earn close to $91,010 per year ($7,584 per month).

If you’re quoted the average car insurance rate for physical therapists ($158/mo), you’ll spend at least 2.08% of your monthly income.

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What factors affect car insurance quotes for physical therapists?

Several factors determine whether affordable physical therapist auto insurance is available to you. These factors include age, commute mileage, gender, location, vehicle, credit history, and driving record.

Here’s an example of how driving records affect auto insurance rates.

Average Monthly Car Insurance Rates Based on Driving Record by Company
CompaniesMonthly Car Insurance Rates Based on a Clean Driving RecordMonthly Car Insurance Rates With One Speeding TicketMonthly Car Insurance Rates With One AccidentMonthly Car Insurance Rates With One DUI
Allstate$318$374$416$522
American Family$224$252$310$361
Farmers$288$340$377$393
GEICO$179$220$266$406
Liberty Mutual$398$475$517$634
Nationwide$229$259$283$379
Progressive$283$334$398$331
State Farm$235$266$283$303
Travelers$287$355$357$478
USAA$161$183$210$292
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Statistically, physical therapists are low-risk workers. In other words, they’re less likely to file claims and insurance companies will charge them less for coverage.

But car insurance companies for physical therapists also look at minor factors, such as education, occupation, and income to determine rates. It’s important to compare quotes from multiple companies before you buy auto insurance for physical therapists to lock in the best possible rates.

Why is physical therapist car insurance expensive?

Physical therapists who travel a lot more than the average medical professional may find themselves paying higher car insurance rates. More time on the road increases the risk of accidents and traffic violations, all of which negatively impact your driving record for at least three years.

What are the best car insurance discounts for physical therapists?

Auto insurance discounts for physical therapists are the same for any other driver. Check out this small list of discounts that have the most impact on car insurance rates.

  • Defensive/Safe Driver Discount – Saves up to 40% off at some car insurance companies
  • Good Credit Discount – You save up to 30% if you have good credit
  • Bundling with Other Policies – Adding another insurance policy save at least 12% on your insurance
  • Anti-Theft and Safety Features Discount – These discount values vary and are usually added when you enter the VIN during your online quote comparison

Don’t forget to ask about special car insurance discounts for medical professionals. To get access to medical profession discounts, speak to your insurance agent or shop around online for quotes from companies offering auto insurance discounts for medical professionals.

Which type of car insurance coverage is required for physical therapists?

All drivers are required to carry liability car insurance. New Hampshire is the only state that doesn’t have car insurance requirements.

In some cases, liability coverage isn’t enough. Some areas in the United States require you to have uninsured/underinsured motorist coverage, personal injury protection, or medical payments as well. Research your state laws before you buy auto insurance for physical therapists.

Do I need full coverage car insurance?

If you’re still making payments on your vehicle, you’re required to have full coverage auto insurance.

Full coverage is collision insurance and comprehensive insurance attached to your policy. Some car insurance companies include rental car reimbursement at no extra cost.

Shop around until you find an auto insurance company that has what you need.

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Car Insurance for Physical Therapists: What’s the bottom line?

Physical therapists typically pay lower auto insurance rates because they are low-risk drivers in the eyes of the auto insurance companies, but your rates will vary based on your driving record and where you live.

To get affordable car insurance quotes for physical therapists, compare the best insurance companies against one another online to see which offers the cheapest car insurance for physical therapists.

Comparing quotes before you buy car insurance for physical therapists is the easiest way to lock in the right policy at the right price. Use our free comparison tool below to get started today and compare multiple companies near you for free.

FAQ: Physical Therapist Car Insurance

Keep reading for the answer to a commonly asked question about physical therapy and car insurance:

#1 Does car insurance cover physical therapy?

Liability auto insurance won’t cover physical therapy, but an at-fault driver’s liability policy will. If physical therapy is part of your medical bills, the at-fault driver’s car insurance company is supposed to cover it.

Some states are no-fault states. Therefore, your personal injury protection coverage pays for physical therapy. If you exhaust your car insurance limits, use your health insurance to pay for medical bills.

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