Best Auto Insurance for Doctors in 2026 (Your Guide to the Top 10 Companies)
USAA, State Farm, and Geico provide the best auto insurance for doctors, with rates beginning at just $76 per month. Our goal is to simplify the process of comparing premiums from these reputable companies, ensuring you receive the best coverage options and personalized discounts that align with your specific vehicle requirements.
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Table of Contents
Table of Contents
Former State Farm Insurance Agent
Benjamin Carr worked as a licensed insurance agent at State Farm and Tennant Special Risk. He sold various lines of coverage and informed his clients about their life, health, property/casualty insurance needs. Assessing risks and helping people find the best coverage to suit their needs is a passion of his. He appreciates that insurance was designed to protect people, particularly during times...
Benjamin Carr
Insurance Claims Support & Sr. Adjuster
Kalyn grew up in an insurance family with a grandfather, aunt, and uncle leading successful careers as insurance agents. She soon found she has similar interests and followed in their footsteps. After spending about ten years working in the insurance industry as both an appraiser dispatcher and a senior property claims adjuster, she decided to combine her years of insurance experience with another...
Kalyn Johnson
Updated March 2025
19,116 reviewsCompany Facts
Full Coverage for Doctors
A.M. Best
Complaint Level
Pros & Cons
19,116 reviews
6,590 reviewsCompany Facts
Full Coverage for Doctors
A.M. Best
Complaint Level
Pros & Cons
6,590 reviews
18,157 reviewsCompany Facts
Full Coverage for Doctors
A.M. Best
Complaint Level
Pros & Cons
18,157 reviewsUSAA stands out as the top choice for the best auto insurance for doctors, with competitive rates starting at only $76 per month for comprehensive coverage.
In partnership with State Farm and Geico, they offer affordable rates and a wide selection of comprehensive coverage options tailored to meet your specific driving needs.
Our Top 10 Company Picks: Best Auto Insurance for Doctors
Company Rank Multi-Vehicle Discount A.M. Best Best For Jump to Pros/Cons
#1 15% A++ Affordable Rates Geico
#2 25% A++ Military Savings USAA
#3 15% A++ Customer Service State Farm
#4 25% A+ Add-on Coverages Allstate
#5 18% A+ Safe-Driving Discounts Progressive
#6 10% A Safe Drivers Farmers
#7 12% A Add-on Coverages Liberty Mutual
#8 10% A+ Accident Forgiveness Nationwide
#9 13% A++ Bundling Policies Travelers
#10 10% A Membership Discount AAA
- USAA provides competitive rates starting at $76 per month
- Leading insurance firms offer potential reductions
- Doctors’ auto insurance includes opportunities for discounts
#1 – Geico: Top Overall Pick
Pros
- Affordable Rates: Geico is known for offering competitive rates, making it a cost-effective option for many drivers.
- Easy Online Tools: Geico provides convenient online tools for managing policies, filing claims, and obtaining quotes, enhancing customer experience. Read our Geico auto insurance review for details.
- Wide Range of Discounts: Geico offers a variety of discounts, including those for safe driving, vehicle safety features, and bundling policies, helping customers save money.
Cons
- Limited Coverage Options: Geico may have fewer coverage options compared to some other insurers, potentially limiting customization for certain policyholders.
- Mixed Customer Service Reviews: While Geico generally receives positive reviews for its customer service, some customers have reported issues with claims processing and responsiveness.
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#2 – USAA: Best for Military Savings
Pros
- Excellent Customer Service: As mentioned in our USAA auto insurance review, USAA is renowned for its exceptional customer service, consistently receiving high ratings in customer satisfaction surveys.
- Competitive Rates: USAA offers competitive rates for auto insurance, particularly for military members, veterans, and their families.
- Financial Stability: USAA has a strong financial standing and a high credit rating, providing peace of mind to policyholders.
Cons
- Limited Eligibility: USAA membership is restricted to military personnel, veterans, and their immediate families, excluding the general public from accessing its services.
- Limited Physical Locations: USAA operates primarily online and through phone services, which may be inconvenient for individuals who prefer in-person interactions or live in areas with limited internet access.
#3 – State Farm: Best for Customer Service
Pros
- Personalized Service: State Farm agents offer personalized assistance, helping customers understand their coverage options and tailor policies to their specific needs.
- Extensive Network of Agents: State Farm boasts a vast network of agents across the country, providing accessibility and support to policyholders in various locations.
- Strong Reputation: State Farm has a long-standing reputation for reliability and financial stability, instilling confidence in its policyholders. Find out more in our State Farm auto insurance review.
Cons
- Potentially Higher Rates: State Farm’s rates may be higher compared to some other insurers, particularly for drivers with certain risk factors or demographics.
- Limited Discounts: While State Farm offers some discounts, such as those for safe driving and vehicle safety features, its discount offerings may be more limited compared to competitors.
#4 – Allstate: Best for Add-on Coverages
Pros
- Diverse Coverage Options: Allstate offers a wide range of coverage options and add-on policies, allowing customers to customize their insurance plans according to their needs. Use our Allstate auto insurance review as your guide.
- Innovative Features: Allstate provides innovative features such as Drivewise, which tracks driving behavior to potentially earn discounts, and Claim Satisfaction Guarantee, ensuring customers are satisfied with claim outcomes.
- Strong Financial Strength: Allstate has a strong financial standing and a history of stability, giving customers confidence in the company’s ability to fulfill its obligations.
Cons
- Potentially Higher Premiums: Allstate’s premiums may be higher compared to some other insurers, especially for drivers with certain risk factors or coverage needs.
- Mixed Customer Service Reviews: While Allstate receives positive feedback for its innovative features and coverage options, some customers have reported issues with claim processing and customer service responsiveness.
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#5 – Progressive: Best for Safe-Driving Discounts
Pros
- Variety of Discounts: Progressive offers a wide range of discounts, including those for safe driving, multi-policy bundling, and usage-based insurance programs like Snapshot.
- User-Friendly Tools: Progressive provides user-friendly online tools and mobile apps for managing policies, filing claims, and obtaining quotes, enhancing customer convenience.
- Flexible Payment Options: In our Progressive auto insurance review, progressive offers flexible payment options, including customizable payment schedules and automatic payments, giving customers greater control over their finances.
Cons
- Average Customer Service: Progressive’s customer service may receive mixed reviews, with some customers reporting issues with claim processing and communication.
- Potential Rate Increases: Progressive’s rates may increase over time, especially for policyholders who file claims or experience changes in their driving records, potentially leading to higher premiums.
#6 – Farmers: Best for Safe Drivers
Pros
- Personalized Coverage Options: Farmers offers a variety of coverage options and add-ons, allowing customers to tailor their policies to their specific needs.
- Strong Customer Support: Farmers provides dedicated customer support through its network of agents, offering personalized assistance and guidance.
- Extensive Discounts: Farmers offers numerous discounts, including those for safe driving, multi-policy bundling, and loyalty, helping customers save on their premiums.
Cons
- Potentially Higher Rates: Farmers’ rates may be higher compared to some other insurers, particularly for drivers with certain risk factors or demographics. Use our Farmers auto insurance review as your guide.
- Limited Online Tools: Farmers’ online tools and digital resources may be less robust compared to some other insurers, potentially impacting customer convenience and accessibility.
#7 – Liberty Mutual: Best for Add-on Coverages
Pros
- Comprehensive Coverage Options: Liberty Mutual offers a wide range of coverage options, including specialized policies for unique needs such as classic cars or rental properties.
- Customizable Policies: Liberty Mutual allows customers to customize their policies with add-ons and endorsements, providing flexibility to meet individual coverage needs. Check other details through our Liberty Mutual auto insurance review.
- Multi-Policy Discounts: Liberty Mutual offers discounts for bundling multiple policies, such as auto and home insurance, helping customers save on their premiums.
Cons
- Mixed Customer Service Reviews: Liberty Mutual’s customer service may receive mixed reviews, with some customers reporting issues with claims processing and communication.
- Potentially Higher Premiums: Liberty Mutual’s premiums may be higher compared to some other insurers, especially for drivers with certain risk factors or coverage needs.
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#8 – Nationwide: Best for Accident Forgiveness
Pros
- Strong Financial Stability: As mentioned in our Nationwide insurance review, nationwide has a strong financial standing and a long history of stability, providing reassurance to policyholders about the company’s ability to fulfill its obligations.
- Wide Range of Discounts: Nationwide offers numerous discounts, including those for safe driving, vehicle safety features, and multi-policy bundling, helping customers save on their premiums.
- Nationwide Network: Nationwide operates across the country, providing accessibility and support to policyholders in various locations.
Cons
- Potentially Higher Rates: Nationwide’s rates may be higher compared to some other insurers, particularly for drivers with certain risk factors or demographics.
- Limited Coverage Options: Nationwide’s coverage options may be more limited compared to some other insurers, potentially affecting customization for certain policyholders.
#9 – Travelers: Best for Bundling Policies
Pros
- Flexible Coverage Options: Travelers offers flexible coverage options and add-ons, allowing customers to customize their policies to their specific needs.
- Enhanced Coverage Features: Travelers provides enhanced coverage features such as accident forgiveness and new car replacement, providing added protection and peace of mind to policyholders.
- Strong Financial Strength: Our Travelers auto insurance review reveals that, travelers has a strong financial standing and a high credit rating, ensuring stability and reliability for its policyholders.
Cons
- Potentially Higher Premiums: Travelers’ premiums may be higher compared to some other insurers, especially for drivers with certain risk factors or coverage needs.
- Limited Discounts: Travelers’ discount offerings may be more limited compared to some other insurers, potentially impacting opportunities for savings on premiums.
#10 – AAA: Best for Membership Discount
Pros
- Membership Benefits: AAA members may access additional benefits such as roadside assistance, travel discounts, and insurance coverage options, enhancing overall value.
- Multi-Policy Discounts: AAA offers discounts for bundling multiple policies, such as auto and home insurance, providing opportunities for savings on premiums.
- Excellent Customer Service: AAA is known for its exceptional customer service, providing dedicated support to members for their insurance needs, roadside assistance, and beyond.
Cons
- Membership Requirement: AAA insurance is typically available to AAA members only, limiting access to individuals who are not members of the organization. Read our AAA auto insurance review for your guidance.
- Potentially Limited Coverage Options: AAA’s coverage options may be more limited compared to some other insurers, potentially affecting customization for certain policyholders.
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Auto Insurance Discounts For Doctors
Being a Doctor Affecting Auto Insurance Rates
Factors Determining Auto Insurance Rates for Medical Professionals
Doctors, seen as high-risk for auto insurance, have rates determined similarly to others, influenced by factors like demographics, commute length, credit history, and vehicle type. Age affects your auto insurance rates, with policyholders over 25 generally paying less.
Despite their higher income, doctors typically pay less than five percent of their earnings for auto insurance in most states. Shopping around and updating insurers is crucial for fair pricing and avoiding surprises.
If you’re a busy doctor and in need of better auto insurance, save time by using our free online quote tool. Enter your ZIP code below to start comparing auto insurance rates.
Frequently Asked Questions
How often should doctors review and update their auto insurance policy?
Doctors should review and update their policy annually or when significant changes occur in their driving habits, vehicle usage, or personal circumstances.
Can doctors use personal auto insurance for business purposes?
Personal auto insurance usually excludes coverage for regular business use. Doctors may need to consider commercial auto insurance for business-related vehicle usage. Enter your ZIP code now.
What should doctors do if they’re in an accident while on duty?
Can doctors add multiple vehicles to the same auto insurance policy?
Yes, doctors can typically add multiple vehicles to the same policy, providing convenience and potential multi-vehicle discounts.
How can doctors ensure their auto insurance covers medical equipment?
Doctors should discuss their need for medical equipment coverage with their insurance provider and consider adding it as an endorsement or rider. Enter your ZIP code to start comparing today.
Can doctors be denied auto insurance coverage based on their profession?
Do doctors need umbrella insurance?
It’s recommended to have an umbrella policy between $1-$5 million and consider bundling with auto insurance for cheaper rates, doctors life insurance.
How much insurance do doctors need for their cars?
Depends on the car’s value. At minimum you should carry the state minimum liability coverage but most doctor’s should consider higher values on their vehicle unless you’ve got funds set aside to pay out of pocket for claims — including your health insurance for doctors. Enter your ZIP code now.
What car insurance coverages are available to doctors?
Doctors can get basic coverage options such as liability, collision, and comprehensive auto insurance.
Liability auto insurance has two elements: bodily injury and property damage liability. How much liability insurance covers depends on the state.
Collision and comprehensive auto insurance pay for two different types of damage. Collision coverage pays for property damage regardless of fault in an accident, while comprehensive coverage pays for property damage that doesn’t involve a collision.
How being a doctor affects auto insurance rates?
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