Auto Insurance for Nurses (How to Save)

Auto insurance for nurses averages to about $124/mo or $1,483/yr with help from the discounts and programs offered to them. Special auto insurance rates for medical professionals are offered by top auto insurance companies, which may have additional discounts for nurses. Some carriers, like GEICO and Farmers, want to cover professionals in the healthcare field. When you comparison shop, you can see which insurance company has the best offers for auto insurance.

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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. He has also been featured on sites like UpJourney.

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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, 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

UPDATED: Oct 19, 2021

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Things to remember...

  • If you’re looking for auto insurance for nurses, find an auto insurance company 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 you’re at a health facility.
  • Take advantage of occupational discounts that will help drive your premiums down for being a licensed nurse.

Auto insurance for nurses can be affordable with the right discounts. Nurses work hard to help patients in their time of need, they shouldn’t have to work hard to get any type of auto insurance coverage.

Shopping for auto insurance is time-consuming, especially when you work long hours as a nurse.

We’ll cover the top auto insurance companies and tell you which companies have special rates for nurses. Continue reading to find out how working to keep your community healthy and active could translate into auto insurance savings.

Compare affordable auto insurance for nurses today. Just enter your ZIP code in the free comparison tool above. We can help you get auto insurance quotes for nurses quickly.

Table of Contents

What are the best ways to save on auto insurance as a nurse?

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

In this guide, we’ll cover auto insurance for nurses, including the best coverage options and possible discounts.

Where can nurses get discounts?

A lot of companies will give you a discount because you’re networked with the American Nurse Association. Some of the best auto insurance companies are networked with nurse associations and medical groups, which offer cheaper auto insurance rates for nurses.

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.

Do all cars have to have a certain amount of required auto insurance coverage? Not only is it important to buy protection that helps drivers after a loss, but states have also deemed that cars have to have a certain amount of required auto insurance is mandatory.

Does GEICO offer a discount for nurses?

How much is liability insurance for nurses? Is there a difference between auto insurance for registered nurses and other types of nurses?

We’ve gathered some sample rates from top auto insurance companies.

Auto Insurance Rates for Nurses
CompaniesAverage Monthly Auto Insurance Rates for NursesAverage 6-Month Auto Insurance Rates for NursesAverage Annual 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 look at what could affect your auto insurance for healthcare workers.

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

How do factors that affect auto insurance rates 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.

What are occupation-based auto insurance discounts?

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’s 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.

Insurers always use risk factors when determining how much 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. However, 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, 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’s considered. Auto insurance companies factor in 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 Annual Auto Insurance Rates by Commute
Insurance CompanyAverage Annual Rates for a 10-Mile Commute
(6,000 Annual Mileage)
Average Annual Rates for a 25-Mile Commute
(12,000 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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If you feel like you’re going to drive less than the average person, 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 this saving, ask your carrier to read your odometer 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.

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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 ZIP code. This is because the rate of claims filed is higher in some areas than 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

So, as you can see, auto insurance for nurses in California will differ from Florida, and again in Minnesota. 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?

What about auto insurance for traveling nurses? More and more hospitals are hiring traveling nurses because there’s a shortage of trained and skilled professionals in different areas of the country.

There are many 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. At the same time, 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 working with a traveling nurse agency.

How can I get cheap auto insurance as a registered nurse or medical professional?

Favorable rates are one thing, but you want to be sure that the auto insurance carrier you’re going to pay will settle any claims that you make quickly.

Finding cheap auto insurance for nurses can be as easy as asking for an occupational discount or a student nurse discount. There are cheap auto insurance for nurses discounts available sometimes depending on the carrier.

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 both qualify for auto insurance discounts.

What are the American Nursing Association auto insurance discounts?

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

This organization plays a huge role in advancing the nursing profession by helping registered nurses stay skilled 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 to buy employed-sponsored health insurance coverage, but that’s not always the case.

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

According to the International Risk Management Institute (IRMI), some companies have an affinity sales structure where they will sell insurance to a specific group or professional organization.

If you’re a nurse with an ANA membership, you’ll have to identify which companies currently have nursing affinity programs.

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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. Some companies 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.

Nurses vs. Other Drivers: Who pays more?

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.

According to the National Institutes of Health’s claim data, 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 city’s outskirts or in the suburbs even though they work in the city where demands and salaries are higher.

If you’re a nurse living in a suburban area, 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.

Who gives the best auto insurance rates for nurses?

The only way to find the best discount is to get auto insurance quotes online. Whether you are looking for an auto insurance quote or comparing other companies, shopping with multiple auto insurance companies at once will get you the best rate.

There’s no way to assess your insurance cost for you, your family, or 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. Here’s a list of companies that offer auto insurance discounts for nurses.

  • AAA
  • California Casualty
  • Farmers
  • GEICO
  • Liberty Mutual
  • Nationwide
  • Travelers
  • USAA

Some carriers, like GEICO and Farmers, want to cover professionals in the healthcare field. When you comparison shop, you can see which insurance company has the best offers for your auto insurance.

You can find those offers in your local area by entering your ZIP code in the free comparison tool.

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How do I get the cheapest auto insurance quotes for nurses/medical professionals?

Discounts provide lower auto insurance rates for nurses, but it doesn’t guarantee cheaper rates. Why? Factors that determine auto insurance could raise rates by hundreds of dollars.

A 5 percent or 10 percent decrease can be helpful, but it may not eliminate auto insurance rates that are out of your budget. Continue reading to learn five ways you can save on auto insurance rates for nurses.

Bundle Your Policies

Do you own a home? If you happen to be a homeowner, you can save money on auto insurance if you bundle your policy with a homeowners insurance policy. Even bundling with renters insurance can save you at least 12 percent on auto insurance.

Use Telematics

Telematics is the monitoring system auto insurance companies use to track your driving habits. Common driving behaviors such as speed, hard braking, travel time, and the number of miles, are recorded each day you drive.

Telematics is common in usage-based insurance programs.

Some companies will provide a Bluetooth beacon that connects to your smartphone. All of these devices send information to your auto insurance company. Your driving habits are graded over time and translated into savings.

Check out this list of companies that provide usage-based insurance.

Popular Usage-Based Auto Insurance Programs by Company
Company Usage-Based Auto Insurance ProgramsEstimated Savings
Progressive SnapShotAverage of $130
Allstate DrivewiseAverage of 10% to 25%
State Farm Drive Safe & SaveUp to 15%
Esurance DriveSenseVaries
Nationwide SmartRideUp to 40%
Liberty Mutual RightTrackAverage of 5% to 30%
Root Car InsuranceVaries
MetromileVaries
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See how you can get additional savings? You can save hundreds in addition to discounts you already have.

Choose the Coverage You Need

Manage your coverage options at the beginning of your policy. If you already own a vehicle, you can enroll in auto insurance’s minimum requirement, which is liability auto insurance.

However, a car that you’re financing will require full coverage. Full coverage is simply collision and comprehensive coverage added to your auto insurance policy. You can save money by choosing the lowest coverage level.

Avoid Making Small Claims

Getting into an accident will increase your auto insurance rates, but some accidents may not require you to make a claim. Small scratches and minor dents don’t need a claim.

However, you’re welcome to file a claim. When you file a claim, your auto insurance company will add that to the risk and possibly increase your rates.

Compare Multiple Companies and Shop Around

One of the best methods is comparing auto insurance quotes from multiple companies.

You’re not entitled to go with the first quote you receive. It might require you to share some personal information, but you can direct quotes from companies and compare their rates. The best auto insurance company is the one that meets your needs.

Try comparing auto insurance quotes for nurses with our free online quote tool. Enter your ZIP code to get started

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How do I become a nurse?

Being a nurse requires great dedication to patients and a love for caring for the sick.

Check out these common statistics about nursing.

Nurse Employment Statistics
OverviewStatisticsData Source
National Employment Estimate3,096,700U.S. Bureau of Labor Statistics
State with the Highest Employment LevelCaliforniaU.S. Bureau of Labor Statistics
Top Paying StateCaliforniaU.S. Bureau of Labor Statistics
Average Hourly Wage Estimate$35.24U.S. Bureau of Labor Statistics
Average Annual Wage Estimate$73,300U.S. Bureau of Labor Statistics
Average Annual Auto Insurance Premiums$1,432Quadrant Data
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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. According to the Bureau of Labor Statistics, 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.

What are the job responsibilities of 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.

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.

Compare the Best Auto Insurance Companies for Nurses and Medical Professionals

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

We can help you buy auto insurance for nurses right here. Enter your ZIP code in the free online quote tool to find cheap auto insurance rates for nurses.

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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’ll 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 in 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 in your car received. PIP can also cover loss of wages, medical payments, and funerals.

Collision – This coverage pays for car damage when you get into a collision with another driver or object. 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 pays for property damage and injuries when you’re in an accident with an uninsured or underinsured driver. 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 change 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 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. However, 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. 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 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 – What is the best auto insurance for nurses?

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

Nationwide auto 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.

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