Best Auto Insurance for Nurses in 2024 (Save With These 8 Companies)

Read below to explore options for auto insurance for nurses, including our top companies offering a car insurance discount for nurses. Then, enter your ZIP code above to compare quotes from the top providers for nurses.

#1 – Geico: Top Pick Overall

Pros

• Bundled coverage: Multi-policy discounts available, enhancing savings, which you can learn more about in our Geico auto insurance review.
• Budget-conscious healthcare professionals: Competitive rates for nurses, offering tailored pricing.
• Quick and efficient assistance: Excellent customer service provides dedicated support.

Cons

• Face-to-face consultations: Limited local agents for in-person support pose a potential challenge.
• Geographical location: Some discounts may vary by state, with availability contingent on.

#2 – Progressive: Runner Up

Pros

• Customized premiums: The Name Your Price tool allows for flexible pricing options to suit individual budgets.
• Potential savings: Multi-car and multi-policy discounts encourage comprehensive coverage, which you can learn more about in our Progressive auto insurance review. 
• On the go: A user-friendly mobile app provides convenient access to policy management.

Cons

• Post-claim premium increase: Rates may increase after an accident.
• Additional cost: Some coverage options may be pricier, with select features coming at.

#3 – State Farm: Best for Good Student and Steer Clear Discounts

Pros

• In-person support: Robust local agent network for accessible in-person support.
• Safe driving discounts: Drive Safe & Save program rewards responsible driving habits. You can learn more about State Farm’s Drive Safe & Save program in our State Farm auto insurance review. 
• Tailored coverage: Rideshare coverage available for nurses using their cars for work.

Cons

• Premium variations: Rates might be higher for some demographics.
• Reduced accessibility: Limited online quote options.

#4 – Allstate: Best for Drivewise Program

Pros

• Accident-free driving rewards: Deductible Rewards for maintaining a history of accident-free driving. You can learn more in our Allstate auto insurance review.
• Claim Forgiveness feature: Protection against premium increases after the first at-fault accident.
• Multi-policy discounts: Discounts for bundling multiple insurance policies.

Cons

• Pricier than competitors: Premiums may be higher than those offered by some competitors.
• State-specific limitations: Some discounts may be limited to specific states.

#5 – USAA: Exclusive to Military Members, Veterans, and Their Families

Pros

• Competitive rates: Excellent rates for military-affiliated individuals. You can learn more about USAA’s rates in our USAA auto insurance review.
• Bundling discounts: Additional savings for combining auto insurance with other policies.
• Excellent customer service: USAA is known for its top-notch customer service.

Cons

• Limited eligibility: Available only to military members, veterans, and their families.
• Restricted coverage options: Compared to other providers, USAA may offer fewer choices for coverage, potentially limiting customization.

#6 – Nationwide: Best for SmartRide Program

Pros

• Vanishing Deductible program: Deductible decreases for every safe-driving year.
• Personalized coverage review: On Your Side review for personalized coverage.
• Coverage options: Good selection of coverage options to meet various needs. You can learn more about Nationwide’s coverage options in our Nationwide auto insurance review.

Cons

• Higher rates for some: Rates may be higher for certain drivers.
• Mixed customer service reviews: Some customers report mixed experiences with customer service.

#7 – Liberty Mutual: Best for Unique Benefits and Discounts

Pros

• Better Car Replacement coverage: Reimbursement for a new car if yours is totaled. 
• 24-Hour Roadside Assistance: Assistance available around the clock.
• Accident Forgiveness option: Protection against rate increases after your first accident. (Read More: What is accident forgiveness?)

Cons

• Region-specific premiums: Premiums may be higher in certain regions. You can learn more in our Liberty Mutual auto insurance review.
• Limited local agents: A potential drawback for those who prefer in-person assistance.

#8 – Farmers: Best for Special Discounts Through the Signal App

Pros

• Multiple coverage options: A variety of coverage options to tailor the policy to individual needs. 
• Discounts for good students: Savings for nurses pursuing further education.
• Diverse range of coverage add-ons: Additional coverage options for enhanced protection. You can learn more in our Farmers auto insurance review.

Cons

• State-specific limitations: Some discounts may not be available in all states.
• Average customer satisfaction ratings: Farmers receives mixed reviews for customer satisfaction.

Auto Insurance for Nurses vs. Other Drivers: Who Pays More

Only a handful of companies offer car insurance discounts for nurses, but medical professionals tend to save about $114 annually on auto insurance.

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 trauma, 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, and if they’re not commuting to and from work, they don’t have to worry about a long commute to the hospital affecting their rates.

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

Comparing Auto Insurance Rates for Nurses

Nurses tend to see slightly lower rates than average drivers. However, shopping around for car insurance is still important since rates can vary significantly between companies.

Check below to see how much some of the biggest insurance companies in America charge nurses for car insurance.

As you can see, Geico, Progressive, and State Farm offer some of the lowest rates for nurses.

Companies consider a variety of factors that affect car insurance rates when crafting quotes, including age, gender, ZIP code, and driving record. As a result, you might find a different company with better rates for your specific situation, so compare at least three other companies before making your final decision.

Now let’s look at what could affect your auto insurance if you are a healthcare worker or nurse.

Auto Insurance Rates for Travel Nurses

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. See how rates compare by company and mileage below:

Auto Insurance Average Monthly Rates by Commute

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. Your mileage will be noted at your next renewal.

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 car insurance. You should brush up on local auto insurance laws to determine if you need to add or change your coverage. Fortunately, 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 keep your car registered in the same state.

Auto Insurance Discounts for Nurses

Insurance companies consider nurses low-risk drivers because they are less likely to drive dangerously, get into accidents, and file claims. Because of this, you’ll see lower overall rates, but there are plenty of options to save more money with car insurance nurse discounts. 

While you may not see discount car insurance for nurses at every company, these are some of the most common ways to save money with nurse car insurance discounts:

• Driver education discount: Most major companies will give you a driver’s ed discount if you take a driver’s education class. You’ll need to pass a course approved by your insurance company to qualify. (Read More: How to Get a Driver’s Ed Auto Insurance Discount)
• Safe driving discount: You can earn this discount by keeping your driving record clean of accidents, tickets, and other traffic violations. Every company is different, but you usually need to go three years with no incidents to qualify.
• Good student discount: You might earn a discount on your insurance if you’re a full-time student under 25 and maintain a 3.0 GPA. Find discounts for good students.
• Bundling discounts: Major insurance companies often offer multiple types of insurance and give policyholders discounts for bundling multiple policies. Learn how to save money by bundling insurance policies with the same company.
• Homeowners discount: Since homeowners are statistically less likely to file a claim, most companies offer a discount if you have home insurance.
• Multi-car discount: If you have multiple cars in your household, you’ll be able to save a small amount if you add them to the same policy. Learn more in our how to get a multi-vehicle auto insurance discount guide.
• Paid-in-full discount: Splitting your car insurance policy into monthly payments makes it easier to pay, but you can save a small amount if you pay for everything at once.
• Anti-theft device discount: Adding devices that will keep your car safe from thieves often results in lower insurance rates. Learn more in our how to get an anti-theft auto insurance discount guide.

Depending on the company you shop with, you’ll probably find additional discounts. Most nurses car insurance discounts will be applied to your policy when you get a quote, but you can also check with a representative to ensure you save as much as possible.

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 benefits, including the following discounts for nurses:

• If you’re a professional member of the ANA, you’ll get nurse discount car insurance from organizational affiliates that work closely with the organization.
• Some auto insurance providers 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 to you and 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.

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

How to Get the Cheapest Auto Insurance for Nurses

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%-10% 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% 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 car insurance (UBI) 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.

Usage Based/Telematics Introduction Table

With UBI auto insurance, 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 the state’s minimum requirement, which is liability auto insurance.

Read More: Cheapest Liability-Only Auto Insurance

However, a car that you’re leasing or 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 get direct quotes from companies and compare their rates. The best auto insurance company is the one that meets your needs.

Get Affordable Auto Insurance for Nurses Today

Finding the best car insurance for nurses isn’t usually challenging since companies consider them low-risk drivers. Nurses can find the lowest rates for auto insurance by looking for discounts, choosing the right coverage, and comparing quotes.

While some companies offer special discounts for nurses, you can do plenty of other things to find affordable coverage. Enter your ZIP code below to compare quotes from as many companies as possible and find the best price for your needs.