Nurses Auto Insurance (Best Discounts + Top Companies)

The average auto insurance for nurses rates are $123.58/mo and $1,483/yr with discounts up to $40/year. American Nursing Association members may qualify for discounted auto insurance rates as a member benefit.

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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
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UPDATED: May 28, 2020

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Things to remember...

  • If you’re looking for car insurance for nurses, find a carrier that offers affinity programs just for nurses
  • As a member of the American Nurses Association, you may qualify for group insurance rates as a member benefit
  • Address your unique auto insurance needs as a professional in the healthcare field when you’re buying coverage
  • Some carriers offer special benefits like reduced deductibles for claims that occur while at a health facility
  • Take advantage of an occupational discount that will help drive your premiums down for being a licensed nurse

Nurses work hard to help patients in their time of need; they shouldn’t have to work hard to get auto insurance as a nurse. Shopping for auto insurance is time-consuming, especially when you work long hours as a nurse.

In this guide, we are going to cover car insurance for nurses, including the best coverage options. If you’re a nurse, you may qualify for some of the many auto insurance discounts.

Where can nurses get discounts? A lot of companies will give you a discount, and we will show you where to find the best car insurance discounts for nurses. We’ll cover the top auto insurance companies and tell you which companies have special rates for nurses.

Find out how working to keep your community healthy and active could translate into auto insurance savings. Compare auto insurance quotes today to find the best auto insurance for nurses rates available.

Auto Insurance for Nurses

Depending on your income, your vehicle type, and your driving record, your auto insurance prices could range from minimal to exorbitant. Luckily, all of the carriers in the market are competing for the same business.

If you’re choosing to own a car, you’re accepting the fact that it’s your responsibility to insure it. Many expenses in life are avoidable, but auto insurance is one that’s not. Not only is it important to buy protection that helps drivers pick up the pieces after a loss, states have deemed that minimum liability auto insurance is mandatory.

How much is liability insurance for nurses? Does Geico offer a discount for nurses? We’ve gathered some sample rates from top auto insurance companies.

Auto Insurance Rates for Nurses
CompaniesMonthly Auto Insurance Rates for Nurses6-Month Auto Insurance Rates for NursesAnnual Auto Insurance Rates for Nurses
USAA$82$497$994
Geico$95$571$1,142
State Farm$135$807$1,614
Nationwide$97$580$1,160
Progressive$127$762$1,524
Farmers$130$781$1,562
Allstate$160$960$1,920
Liberty Mutual$162$974$1,948
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Since we know nurses need auto insurance, let’s take a look at what could affect your auto insurance rates and how they apply to buying car insurance for nurses.

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How does your job as a nurse affect your auto insurance rates?

Occupational discounts are separate from affinity discounts because the carrier doesn’t have to be affiliated with a group association or organization to offer special discounts to their customers.

Why do insurers ask about your occupation? For some, it seems a bit odd that their choice of occupation would have a direct relation to insurance rates. To fully understand why you need to know how occupation affects your risk as a driver

How do auto insurance companies determine risk? Auto insurance companies determine risk by who is more likely to file a claim. Drivers that work in certain professions will have lower auto insurance rates than others. Insurers determine if your job is high or low risk.

Insurers always use risk factors when they are determining how much a term of coverage will cost for a specific carrier. That’s why you fall into a risk class.

Risk is a stronger variant based on your demographic and claims trends in the group. One demographic that’s considered is the driver’s occupation.

How does annual mileage affect auto insurance rates?

If you’re driving around town or across the country during your free time, you’re still going to be exposed to potential accidents.

Mileage is a universal rating factor that’s used by all carriers selling auto insurance. It’s statistically proven that your probability of having an accident goes up as your annual mileage goes up.

It’s not just the miles you put on your car driving to and from work that is considered, it’s the pleasure miles, too. If you drive more than the 12,000 miles per year average, you could pay high rates. Below are the rates for 10-mile and 25-mile commutes.

Average Auto Insurance Rates by Commute
Company10 Miles Commute
6000 Annual Mileage
25 Miles Commute
12000 Annual Mileage
USAA$2,482.69$2,591.91
Geico$3,162.64$3,267.37
State Farm$3,175.98$3,344.01
American Family Insurance$3,401.30$3,484.88
Nationwide$3,437.33$3,462.67
Progressive$4,030.02$4,041.01
Farmers$4,179.32$4,209.22
Travelers$4,399.85$4,469.96
Allstate$4,841.71$4,934.20
Liberty Mutual$5,995.27$6,151.63
Average$3,910.61$3,995.69
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Source: Quadrant Information Services

If you feel like you’re going to drive less than the average person, regardless of where they work, you should get a quote estimating a low annual mileage.

Many carriers will give their clients discounts just for driving under 5,000 miles every year. Some carriers have a restriction of 3,000 miles per year.

Considering that’s an average of about 415 miles each month, you’d really have to manage your driving to get this low-mileage discount. If you feel like you’ll still qualify for the saving, ask your carrier to read your odometer reading and change your mileage rating.

Your mileage will be noted at your next renewal.

How does college education affect auto insurance rates?

Having a higher education can be a plus when getting auto insurance. If you are a college graduate, you can get lower rates. Some companies offer discounts to drivers with higher education.

How does location affect auto insurance rates?

Rates are approved by the state insurance department. Some states have higher averages than others. Not only can rates vary by state, but they also vary by your city and even your ZIP code. That’s because the rate of claims is higher than the rate in others.

A lot of different factors can affect whether there’s a high rating in your location. These factors include:

  • The population of residents in a given ZIP code
  • The car-to-resident ratio
  • The rate of uninsured drivers in the area
  • How often claims are filed in a given region
  • How much the average claim is settled for in the city and ZIP code
  • The average value of cars in the area
  • The climate in the area
  • The motor vehicle theft and property damage crime rate in the area

There are many ways to get your insurance rates down. Contact your insurance company and they can give you more details.

How do travel nursing jobs affect auto insurance rates?

More and more hospitals are hiring travel nurses because there’s a shortage of trained and skilled professionals in different areas of the country. There are a lot of advantages to working as a travel nurse if you’re afforded the freedom to travel as you earn.

Not only do you get a decent wage as a traveling nurse, but you can also discover different areas of the country all while the contracting hospital pays for your living expenses and your relocation.

You’ll have a lot of arrangements to make and one that you can’t forget is to update your insurance.

Relocating out of the state for a few months won’t create a need to change your insurance to the new state as long as you’re keeping your car registered in the same state. You should still brush up on auto insurance laws to determine if you need to add or change your coverage.

If you buy a car in the state you’re contracted to work in, you’ll have to satisfy the state’s insurance laws. When moving back, you may have to change your registration and also your insurance coverage.

Be sure to negotiate transportation expenses as part of your compensation plan when you’re working with a traveling nurses agency.

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Auto Insurance Discounts for Nurses

Favorable rates are one thing, but you want to be sure that the auto insurance carrier you’re going to pay from term to term is going to settle any claims that you make quickly. Finding cheap car insurance for nurses can be as easy as asking for an occupational discount or a student nurse car insurance discount.

Not only do some auto insurance companies offer nurses a special occupational rate, but many also offer special coverage options. Here are some common auto insurance discounts for nurses:

  • A Vanishing Deductible where the deductible goes down $100 for every year of safe driving
  • A deductible waiver for any claim filed while the car is at a health facility
  • Good Student Discounts for graduate nursing students trying to advance their career

Future nurses still in school and current nurses working in all environments all qualify for auto insurance discounts.

How do you get a Geico nurse discount?

The only way to find the best discount is to get auto insurance quotes online. Whether you are looking for a Geico quote or want to compare to other companies like Progressive, Nationwide insurance, or USAA auto insurance, comparing a lot of insurance companies at once will get you the best rate.

There’s no way to assess the cost of insurance for you, your family, and your cars until you get quotes.

You can start by filling in basic information to find out where you’re getting sizable discounts. Every insurance company has its own set of rates.

Some carriers, like Geico, want to cover professionals in the healthcare field, while others are targeting a different demographic. When you comparison shop, you can see which insurance company is priced to offer auto insurance discounts for nurses.

What are American Nursing Association auto insurance discounts?

Both nursing students and professional licensed nurses have the option to join the American Nursing Association (ANA).

This organization plays a huge role in advancing the nursing profession by helping registered nurses stay skilled in their profession and ethical in their choices. Being a member of the ANA offers huge benefit, including the following discounts for nurses:

  •  If you’re a professional member of the ANA, you’ll get discounts from organizational affiliates that work closely with the organization.
  • There are auto insurance providers that will offer benefits like special group rates to nurses. When a carrier charges a client a group insurance rate, your rates are calculated by looking at the risk of not just you, but of the people who fall into the group.

As a nurse and member of the ANA, insurers will offer you discounts because members tend to fall in a better risk class.

Not everyone is eligible for group rates. Many people think that the only time they can get a group rate is when they’re buying employed-sponsored health insurance coverage, but that’s not always the case.

There are other ways to qualify for lower group insurance rates when you’re buying auto insurance as long as the carrier has an affinity program.

Only some companies have an affinity sales structure where they will sell insurance to a specific group or professional organization. Some of them include:

  • Nationwide
  • California Casualty
  • AAA

If you’re a nurse and you’re a member of the ANA, you’ll have to identify which companies currently have nursing affinity programs.

Do I have to be a member of the American Nurses Association to get auto insurance discounts as a nurse?

You don’t have to get personal insurance through a company with an affinity program for nurses to find discounts. You also don’t have to be a member of the ANA. There are companies that offer occupational discounts to nurses just because of the profession they have chosen.

There are so many demographics considered when your personal rates are being calculated. Some professionals pay more because of their occupation-specific rating, while others will wind up receiving a discount.

What determines if you’ll get a favorable or unfavorable occupation rating depends on how drivers in your risk class drive as a group. If you drive in stressful conditions or work long hours, you’d think you’d pay a higher rate.

Typically this is true, but it’s the opposite for nurses. Because nurses see so much tragedy, they tend to make better decisions while driving. Claims data shows nurses are actually safer drivers than doctors. If you’re not commuting to and from work, you don’t have to worry about a long commute to the hospital affecting your rates.

Some nurses live on the outskirts of the city or in the suburbs even though they work in the city where demands and salaries are higher. If you fall into this category of suburban-living nurses, you can still keep your premiums low by carpooling or taking the bus to work. You could even use a ride-sharing service to get to work.

As long as you’re not commuting in your own car, you’ll qualify for a pleasure rating that keeps your rate very low.

What discounts does Farmers Insurance offer for nurses?

Depending on where you live, Farmers Insurance offers drivers a few different auto insurance discounts, including:

  • Multi-line, multi-car, and bundle discounts
  • Occupational discounts for nurses, educators, firefighters, military, and law enforcement, among others
  • Teen driver discounts when you have an existing insurance policy
  • Alternative fuel discounts for hybrid and electric cars

When it comes to occupational discounts on auto insurance, Farmers Insurance nurse discounts are made available to you when you tell your insurance agent where you work.

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Becoming a Nurse

Being a nurse requires great dedication to patients and a love for caring for the sick. But you can’t just become a nurse. We are going to go over the education needed to get the job.

Education for Nurses

Nurses have three options when it comes to getting their education. To become a registered nurse, you can get a bachelor’s degree, an associate’s degree, or a diploma from an approved licensing program. Nursing programs have courses that include:

  • Anatomy
  • Physiology
  • Microbiology psychology
  • Social and behavioral sciences
  • Liberal arts

Registered nurses must have their license registered in the state they work. Certain employers may require that nurses have a bachelor’s degree.

Job Responsibilities for Nurses

What exactly does a nurse do? A lot more than bring jello and check your temperature.

A nurse’s duties depend on where they work and the patients they have. Nurses check patients’ conditions and record patients’ symptoms and medical histories. They will set up plans for the patients’ care and give them their medicine and treatments. Watch this video and learn what nurses do.

Nurses do not work alone; they consult with doctors and other healthcare professionals. Many nurses will work in a team to ensure the best treatment for patients.

Here is the list of the different kinds of nurses.

  • Addiction Nurses care for patients that are addicted to drugs and alcohol.
  • Cardiovascular Nurses provide care for patients with heart disease.
  • Critical Care Nurses work in intensive care units.
  • Genetics Nurses give counseling, screenings, and treatments to patients with genetic disorders.
  • Neonatal Nurses care for newborns who have health issues.
  • Nephrology Nurses care for patients with kidney-related illnesses.
  • Public health Nurses promote and educate people about health and different diseases.
  • Rehabilitation Nurses provide care for patients will chronic illnesses.
  • Clinical Nurse Specialists (CNSs) specialize in psychiatric-mental health or pediatrics. They help other healthcare professionals improve the care for patients.

Nurses have many duties and responsibilities. There are many possibilities for nurses.

Frequently Asked Questions: Auto Insurance for Nurses

Do you have more questions about auto insurance? Below are frequently asked questions about auto insurance.

#1 – Do I have to have auto insurance?

Every state in the country requires minimum liability insurance for drivers. You can drive without insurance, but you pay a fine or have your license suspended. If you get into a car accident along the way, you will have more penalties to face.

Minimum liability – also known as financial responsibility – helps drivers pay for injuries and damages when they are an accident. The minimum liability insurance requirements will be different for each state. You can get more coverage if you want to.

#2 – What are the different types of auto insurance?

You have to get the minimum liability for your state, but that’s not the only type of auto insurance coverage available. There are different types of auto insurance you can get to cover yourself.

Personal Injury Protection (PIP) – This coverage can pay for the treatment for injuries that you or the passengers that were in your car received. PIP can also cover loss of wages, medical payments, and funerals.

Collision – This coverage pays for your car when you get into a collision with another driver or if you have a flip over. Collision insurance also covers damage caused by potholes. You will have to pay a deductible if you decide to get collision insurance. The higher your deductible is the lower your premium. Even if the accident is your fault, this coverage will reimburse you for the cost of repairing the car.

Comprehensive – This coverage reimburses you for the loss caused by theft or damages caused by a non-collision. If your car is damaged during an earthquake, comprehensive will cover the damages.

Uninsured and Underinsured Motorist – This coverage reimburses drivers when they are in an accident with a driver who is underinsured or does not have auto insurance at all. This coverage will also help you if you are hit as a pedestrian.

#3 – Do I need to tell my insurance when I change jobs?

You do need to tell your auto insurance company when you change jobs. Your rates depend on it.

If you change jobs, you can have the possibility of changing from high to low risk and vice versa. If you are a traveling nurse you might be considered to have a high-risk job and pay more for auto insurance.

You’ll have a lot of arrangements to make and one that you can’t forget is to update your insurance.

Relocating out of state for a few months won’t create a need to update your insurance as long as you’re keeping your car registered in the original state. You should still brush up on insurance laws to determine if you need to add coverage.

If you buy a car in the state you’re contracted to work in, you’ll have to satisfy the state’s insurance laws. When moving back, you may have to change your registration and also your insurance.

Be sure to negotiate transportation expenses as part of your compensation plan when you’re working with a traveling nurse’s agency.

#4 – Will my gender affect my rates?

Your gender can affect your auto insurance rates unless you live in a state that prohibits it. There are not many states that have laws against using someone’s gender to determine auto insurance rates.

Males drivers’ rates will sometimes be higher than females drivers’, but this is only in a few states. In most states, female drivers pay more. Not every company will determine your rates by your gender. Look into different auto insurance companies to see who has the lowest rates.

#5 – Does my credit score affect my auto insurance rates?

Your credit score is important, not just for your everyday life, but also for your auto insurance rates. Most states use your credit score to determine your auto insurance rates. Check out this video to see how your FICO score translates to insurance rates:

Auto insurance companies give you an insurance score that is determined by credit utilization and how often you are late on your payments. Some states have banned the use of drivers’ credit scores to determine their rates.

#6 – Which is the best auto insurance company?

The United States has hundreds of insurance companies. Each one offers exactly what you want, auto insurance, but some things set them apart. Some auto insurance companies have higher rates than others, they may not have the exact coverage you want.

Nationwide car insurance might be the best choice for you, but not for someone else. Farmers may have a great price for a friend or neighbor but quote you a high rate. That’s why shopping around is so important.

We hope you learned more about car insurance for nurses. Auto insurance doesn’t have to be expensive, and nurses can save money on auto insurance. Take advantage of auto insurance discounts offered to you and start shopping around now.

Click here to get auto insurance quotes online and compare the best auto insurance rates for nurses.

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