Car Insurance for Surgeons

Car insurance for surgeons can be as low as $91/mo. However, auto insurance for surgeons varies by company, driving record, and other significant factors. When surgeon auto insurance is more expensive than average, target auto insurance discounts to lower insurance costs. Shop around and compare multiple companies to secure the best car insurance rates for surgeons.

Free Insurance Comparison

 Secured with SHA-256 Encryption

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.

Full Bio →

Written by

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...

Full Bio →

Reviewed by Laura Walker
Former Licensed Agent

UPDATED: Aug 3, 2021

Advertiser Disclosure

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.

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.

The Rundown

  • Car insurance for surgeons is cheaper than the average driver
  • Surgeons can pay as low as $91/mo for car insurance
  • Medical professionals that work at organizations with affinity programs can receive additional car insurance discounts

Did you know car insurance for surgeons is close to the average cost of full coverage car insurance? Many factors determine whether affordable car insurance for surgeons is available.

Don’t worry – we’re here to help. Read through this guide to learn more about how much auto insurance costs for surgeons.

After you learn more about car insurance for surgeons, enter your ZIP code in the free comparison tool above to compare the top companies in your area.

How much are car insurance rates for surgeons?

The average cost of auto insurance for surgeons is $122 per month. However, auto insurance rates for surgeons vary for each person.

According to the National Association of Insurance Commissioners (NAIC), the average full coverage car insurance rate is $90 a month.

As you shop around, you’ll see how different car insurance companies calculate the cost of car insurance. Continue reading to learn how best insurance companies estimate auto insurance for surgeons.

What are the best car insurance companies for surgeons?

Surgeon auto insurance rates depend on the company that has their policy. Here are the average monthly car insurance rates based on the top companies in the United States.

  • USAA – $91/month
  • GEICO – $100/month
  • State Farm – $108/month
  • Nationwide – $119/month
  • Progressive – $124/month
  • Liberty Mutual – $131/month
  • Farmers – $137/month
  • Allstate – $169/month

USAA, GEICO, and State Farm are the cheapest companies on the list. Although these rates are close to the NAIC average, your monthly payments are based on personal factors.

Read on to learn which factors can generate inexpensive auto insurance rates.

Compare The Best Insurance Quotes In The Country

Compare quotes from the top insurance companies and save!

 Secured with SHA-256 Encryption

Which factors produce cheap car insurance quotes for surgeons?

When you want to buy car insurance for surgeons, you’ll go through a quote process to determine your overall risk. Here’s a list of factors and how they affect your auto insurance quote.

  • Age – Younger drivers pay much more, but drivers 25 and older pay less
  • Commute Mileage – Driving less reduces your car insurance rates
  • Coverage Level – If you think you need more on your coverage limits, you’ll pay more for auto insurance
  • Credit History – Auto insurance companies correlate credit history to a risk of filing claims
  • Deductibles – Higher deductibles lower car insurance rates
  • Driving Record – Auto insurance rates are based on driving history
  • Gender – Female drivers usually pay less than male drivers
  • Location – A city with a dense population can increase car insurance rates
  • Marital Status – Single drivers have a higher chance of filing claims
  • Vehicle – Your car’s make and model year determines your auto insurance rates, also

The factors that affect your car insurance rates the most are driving record and credit history.

Accidents and DUIs can drive up your auto insurance costs, too. Meanwhile, a poor credit history correlates to higher risks of filing claims.

Does car insurance have a significant impact on a surgeon’s income?

Auto insurance companies don’t determine your monthly payments by how much you earn. But, you should know how car insurance affects your income.

Based on the research data, we know the average cost of surgeon car insurance is $122 per month.

According to the U.S. Bureau of Labor Statistics, surgeons earn $208,000 per year, which is $17,333 a month.

If a surgeon pays $122 a month, their auto insurance bill only affects 0.70% of their monthly income.

Each situation is different. Some surgeons have multiple traffic violations and pay higher rates. But, you can speed past expensive rates with auto insurance discounts.

What are the top car insurance discounts for surgeons?

Surgeons should take advantage of the same discounts that everyday drivers use. But there is a special discount that surgeons can receive.

Here’s a list of the most effective auto insurance discounts for surgeons.

  • Affinity Group Discount
  • Multi-Policy Discount
  • Multi-Vehicle Discount
  • Good Credit Discount
  • Safe/Defensive Driver Discount
  • Anti-Theft Feature Discount
  • Safety Features Discount

If you’re a surgeon that’s employed at a medical organization, ask your human resources department if they have an affinity discount with car insurance companies in your area.

Affinity discounts can provide at least five percent off. But, multi-policy and multi-vehicle discounts are usually around 12 to 15%.

The most significant auto insurance discounts are a safe driver and a good credit discount. Some car insurance companies provide up to 35% off.

Compare The Best Insurance Quotes In The Country

Compare quotes from the top insurance companies and save!

 Secured with SHA-256 Encryption

Car Insurance for Surgeons: What’s the bottom line?

Surgeons are low-risk drivers. Auto insurance companies are more concerned with overall risk.

No one is disqualified from car insurance discounts because of education level, income, or occupation.

Before you buy car insurance for surgeons, use our free online quote tool to compare multiple companies in your local area.

Frequently Asked Questions: Car Insurance for Surgeons

Do you want to know a little more? Check out these answers to frequently asked questions.

#1 – Which company has the cheapest car insurance for surgeons?

USAA has the most affordable rates, but USAA is only available to veterans and their immediate families.

GEICO and State Farm are more affordable for non-veterans, but rates vary for each state.

#2 – How much car insurance do surgeons need?

Liability auto insurance is required for all drivers, but full coverage auto insurance is required for drivers who still make payments on their vehicle.

#3 – Do doctors pay more for car insurance?

It depends on the person. However, doctors usually pay less than most people.

Free Insurance Comparison

Compare quotes from the top insurance companies and save!

 Secured with SHA-256 Encryption