Auto Insurance for Healthcare Workers

Auto insurance rates for healthcare workers vary significantly from one company to another.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Written by Rachel Bodine
Feature Writer Rachel Bodine

Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker

UPDATED: May 11, 2022

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Things to remember...

  • Auto insurance may be more expensive for certain professions, such as surgeons and other medical specialists
  • If you work in healthcare, you may be eligible for specific discounts on car insurance coverage
  • Shopping around for coverage is the best way to find cheap auto insurance coverage for healthcare workers

Many different factors affect car insurance rates. One of the most common factors that insurance companies look for when determining a person’s rates is their occupation.

If you have a stressful occupation, such as a doctor, surgeon, or medical specialist, insurance companies may consider you at higher risk behind the wheel. But you may still be able to find cheap auto insurance as a healthcare worker by utilizing discounts and comparing online quotes with multiple companies in your area.

Start saving today by finding a better rate on car insurance for healthcare workers. Just enter your zip code above to begin.

Why does being a healthcare worker impact my car insurance rates?

All jobs have the potential to impact car insurance rates significantly. For example, if you have a job as a healthcare worker, your car insurance company could assume that your job is pretty stressful. 

Since people under a significant amount of stress are more likely to be involved in a car accident, your insurance company may see your job in healthcare as reason enough to raise your insurance premium.

The truth is that whether your job is considered high risk varies from one company to the next. Some companies may see a doctor or surgeon as someone who poses more of a risk because of the stressful environment and long work nights. But other companies may consider these jobs to be less of a risk.

One of the best ways to make sure you’ve found the right car insurance coverage is to compare quotes from several companies at once. Comparing car insurance quotes allows you to make sure you don’t end up overpaying for coverage just because of your career.

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How much is auto insurance for healthcare workers?

The amount a healthcare worker pays for car insurance varies from one company to another. Along with your occupation, insurance companies take other factors into account, such as your:

  • Age
  • Gender
  • ZIP code
  • Driving record
  • Credit score
  • Car’s make and model
  • Coverage level

Additionally, while your job as a healthcare worker could impact your car insurance rates, the type of job you have in healthcare is essential when considering your monthly rates.

The table below shows average monthly rates for different occupations. 

Average Monthly Auto Insurance Rates Based on Occupation
OccupationsGEICO Average Monthly Rates
Homemaker$67.92
Professor$71.68
Nurse$123.02
Military Officer$139.47
Psychiatrist$145.25
Military$145.85
Administrator$151.00
Doctor$156.17
Student$157.98
Machinist/Toolmaker$159.87
Surgeon$160.80
Barber/Beautician$161.72
Currently Unemployeed$165.33
Chef$173.15
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You may notice that nurses, doctors, and surgeons are all on the list. However, while nurses pay an average of $123.02 a month for car insurance, surgeons pay an average of $160.

Can healthcare workers get auto insurance discounts?

You may be able to find car insurance discounts for nurses, doctors, and surgeons. However, you will have to shop around for coverage with multiple insurance companies to find discounts that will work for you. 

The first thing you can do is speak with your current insurance provider to see whether you’re eligible for a car insurance discount based on your occupation. If you are, ask an agent to help you figure out exactly how much you could save per month on your coverage. If you are not eligible for a discount, it may be time to look for insurance coverage with another company.

When you shop online to compare auto insurance quotes, it is crucial to take your time and compare quotes with different companies, both well-known and local. You never know which company will have the best coverage and the cheapest rates.

Alongside a discount for your job, you may be eligible for others, like a safe driver discount, a multi-policy discount, or a paid-in-full discount. Speak to a representative from any insurance company you’re considering to see whether a discount would work for you.

Are there other ways for healthcare workers to save on car insurance?

Outside of hunting for discounts, there are a few other ways you could save on your auto insurance rates as a healthcare professional. 

One way to save on your rates is to choose a higher deductible. The deductible with your car insurance company is the amount of money you will have to pay out of your pocket before your insurance company is responsible for providing financial assistance. 

The average car insurance deductible is around $500, but you may be able to choose a deductible amount of $1,000 or $2,000 to lower your monthly rates. The downside to choosing a higher deductible on your car insurance policy is that you will have to pay more if you are ever in a car accident.

If you choose a higher deductible for your auto insurance policy, ask your insurance agent how much your new premiums for car insurance coverage will be. There is no sense in raising your deductible by $1,000 or more to save a few dollars each month on coverage.

If choosing a higher deductible does not appeal to you, you can always choose a lower level of coverage with your car insurance company. 

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Should healthcare workers have full coverage on their vehicles?

If you can afford a full coverage car insurance policy, you should consider purchasing one, regardless of occupation. Full coverage, which includes liability, collision, and comprehensive coverage, offers car owners the broadest form of protection.

If you’re paying too much for coverage and don’t know how to find lower rates, you could downgrade from a full coverage policy to a lower coverage level, like liability-only. 

Downgrading your car insurance coverage should be a last resort because it puts you at a higher risk of paying out of pocket if you’re ever in an accident. However, before changing from a full coverage policy to a lower coverage level, you should shop around for a full coverage policy with a different insurance company to see how much you could save.

What’s the bottom line regarding auto insurance for healthcare workers?

If you are a doctor, nurse, surgeon, or other healthcare professional, there’s a chance your occupation will affect your car insurance rates. For example, some insurance companies may charge you less for coverage because of your higher education level In contrast, other companies may charge you more because your job is considered high risk.

While your occupation can potentially impact your car insurance rates, it is just one of many factors that car insurance companies consider when setting your monthly insurance premiums. As a result, you may find that certain insurance companies charge a lot less in monthly rates than others.

You may be able to save money on your auto insurance coverage by searching for discounts with multiple companies. You can also shop online and compare quotes from various insurance providers to find the coverage you want at a price that works for your budget.

References:

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