Auto Insurance for a Healthcare Worker

As a healthcare professional, you may be eligible for discounts from auto insurance companies, or through professional associations like the AAHAM or ANA.

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Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates...

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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...

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Reviewed byDaniel Walker
Licensed Insurance Agent

UPDATED: Apr 23, 2020

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Things to remember...

  • If you’re a healthcare worker, your occupation will impact your insurance rates because of your work environment
  • The area of the field that you work in is relevant. For example, nurses pay less for insurance than doctors
  • While occupation risk factors could be high, some car insurers will offer healthcare works special discounts
  • If you’re the member of a professional association, try and qualify for group insurance rates on your personal car
  • Don’t skimp on your coverage limits to find a good deal. It’s better to shop around than reject necessary coverage

Healthcare workers can wear several different hats in the healthcare sector. They can work behind the scenes as an administrator or they can work on the front lines where they care for patients and help treat them.

A career in healthcare can take you down several different fulfilling paths which all lead to good compensation and the opportunity to advance.

Your career in healthcare can have an impact on several aspects of your life. One area that will be impacted by your choice of occupation is your car insurance.

While the average salary varies depending on your title, you want to save money on your insurance bills no matter how much you’re earning.

Start saving today by finding a better rate on auto insurance. Just enter your zip code above to begin.

Here’s what you should know about buying car insurance for a healthcare worker:

Why does your occupation factor into your rates?

Your occupation won’t be factored in when you’re buying most things in life. When you’re buying insurance, though, your occupation will factor into how your auto insurance rates are determined.

As much as you might think that where you work and what you do for a living is irrelevant, to the insurance company these factors matter.

Insurance companies spend a lot of time assessing every relevant aspect of your life so that they can calculate your rates. It’s all about taking calculated risks and knowing how likely a driver is to file a claim.

Since some professionals have a history of having more accidents than others, to the insurer your occupation is a completely relevant factor that can be used to determine your rates.

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Are healthcare workers safe drivers?

There are high-risk occupations and then there are other careers that are associated with a lower risk than most. You have to find out where you fall on the risk spectrum when you’re comparing your insurance costs to the premiums that your loved ones pay.

While most healthcare workers do complete some college, your education level is a different factor that’s used to assess risk. In this area of risk assessment, your occupation can work for you or against you depending on your healthcare title.

Doctors may be on the top of the ladder for careers in healthcare, but they are also the highest risk drivers because of how stressful their jobs are. Doctors also lack the sleep that’s needed to drive safely.

On the opposite end of the spectrum are the following healthcare professions:

  • nurses
  • first responders
  • administrative professionals in health care

How does your level of education help you?

Most professionals in the healthcare field will have a minimum of an associate’s degree. Since college degrees are common among healthcare workers, the fact that your level of education is a rating factor can be favorable.

Your level of education might not seem relevant but actuaries beg to differ. Some factors like income and race are discriminatory, but state regulators have approved the usage of education level to calculate rates.

To actuaries, people who have college degrees represent drivers who will file fewer claims against their coverage.

Are there discounts available for working in the healthcare field?

One of the best things about shopping around for car insurance as a healthcare worker is that you can shop for discounts. Not all companies offer occupational discounts or affinity discounts but many do.

You need to take the time to look for the added savings if you want to lower your premiums.

There are hundreds of different state and international professional associations that cater to the needs of healthcare professionals. From the AAHAM and the AHAP to the HCAA and ANA, there are member associations that advocate for professionals and advance the sector.

If you’re part of a healthcare association, you can enjoy some unique benefits. Most people focus on the professional benefits, but with most associations, you can get group insurance rates as a member.

If you’re a professional member, contact your local chapter and see what carrier your association is affiliated with so you can get special low rates.

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How do you drive your vehicle?

If you drive your car to work, driving to and from your work site can have an impact on your rates. You have to consider how your vehicle usage for work purposes will lead to higher premiums.

The lowest risk usage rate is a pleasure rate.

Commuters come in second in terms of rating, but they can only drive to and from one location. If you go to more than one location throughout the week, you might be classified as a higher risk business user.

Will insurance companies monitor your driving closely?

If you buy a standard auto insurance policy, you have to disclose how often you drive and for what purposes you’re driving the car.

If you move to a new office or a new hospital, you may need to update your usage and mileage so that your rate can be recalculated during your term.

The insurance company won’t monitor your usage throughout the term because it can’t afford to pay people to keep track of you. At the end of the term, the insurer will look at your mileage and ask you about usage to update the rate.

If you want to get discounts for managing your driving, you may want to consider a telematics usage-based insurance policy where a device is installed in your vehicle to monitor your driving.

Never lower your auto insurance limits and remove coverage just so that you can save money. You should always have sufficient insurance that will give you peace of mind.

Instead of changing your coverage, you should consider getting several quotes for coverage with other carriers. If you want to get these quotes in minutes, do your best to save time in the process by using our online quoting tool.

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