Top Auto Insurance Discounts for Nurses

When it comes to career choices, nurses and other medical professionals often get discounts for a variety of services. One service that lacks discounts for nurses is auto insurance — finding savings built specifically for nurses can be difficult as only a few companies offer one.

Although discounts for nurses are sparse, there are plenty of other ways for medical professionals to save on their car insurance. From other auto insurance discounts to comparing quotes, nurses can keep coverage costs low with a bit of research.

Learn more about car insurance discounts for nurses and alternative ways to save below. Then, compare quotes with as many companies as possible to find the lowest rates.

Which companies offer the best insurance for nurses?

Finding discounts for nurses and other medical professionals is usually easy, especially after their heroic effort during the COVID-19 pandemic. Unfortunately, finding a car insurance discount for nurses can be difficult.

If you’re looking for cheap auto insurance for nurses, consider the following companies:

• Liberty Mutual. Liberty Mutual auto insurance partners with the American Nurses Association to provide discounts for nurses who are a part of that program. You’ll need to check with a representative, as Liberty Mutual only offers this discount in some states.
• Nationwide. Nationwide auto insurance also partners with the American Nurses Association to give members an insurance discount.
• Geico. Geico auto insurance offers one of the longest lists of discounts for workplace organizations. It works with Obstetric and Neonatal Nurses, the Association of Women’s Health, and several other healthcare organizations.
• Farmers. Farmers auto insurance offers a 5% discount for nurses, as well as lawyers, teachers, first responders, and doctors.
• AAA. AAA auto insurance offers discounts for several organizations, such as the American Society of Registered Nurses. However, AAA is only available in certain states.
• California Casualty. California Casualty auto insurance offers several discounts for nurses, including a reduced deductible if your vehicle is hit within 500 feet of your workplace. Unfortunately, California Casualty is not available in every state.

Other companies offer discounts that some nurses can take advantage of. For example, the State Farm nurse discount is only available to first responders.

The average nurse saves about $19 every six months on their insurance. While it’s not the largest savings, every little bit can help you find affordable coverage.

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How much does auto insurance cost 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, Nationwide, and Progressive 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.

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

Auto insurance companies determine if your job is high or low-risk by how likely you are to file a claim. Drivers who work in certain professions will have lower auto insurance rates than others.

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 occupation choice would directly relate to insurance rates. 

Insurers always use risk factors when determining how much coverage will cost for a specific driver. Risk is a stronger variant based on your demographic and claims trends in the group — that’s why you fall into a risk class.

 One demographic car insurance companies consider 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. 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.

If you are a nurse who works close to home and drives less than the average person, you should compare quotes 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.

Your mileage will be noted at your next renewal.

How does location affect auto insurance rates?

The state insurance department approves rates. Some states have higher averages than others. Not only can rates vary by state but also by city and even ZIP code. This is because the rate of claims filed is higher in some areas than others.

Many 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

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 car 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 keep 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 and insurance expenses as part of your compensation plan when working with a traveling nurse agency.

What auto insurance discounts for nurses are available?

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 discounts.

While you won’t see too many nurse-specific discounts, these are some of the most common ways to save:

• Driver education. 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.
• Safe driving. 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. You might earn a discount for good students on your insurance if you’re a full-time student under 25 and maintain a 3.0 GPA.
• Policy bundling. Major insurance companies often offer multiple types of insurance — you can save money by bundling insurance policies with the same company.
• Homeowners. Since homeowners are statistically less likely to file a claim, most companies offer a discount if you have home insurance.
• Multi-car. 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.
• Paid-in-full. 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 devices. Adding devices that will keep your car safe from thieves often results in lower insurance rates.

Depending on the company you shop with, you’ll probably find additional discounts. Most 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.

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 benefits, 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.
• 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 of 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.

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.

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 their chosen profession.

There are so many demographics considered when your personal rates are 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 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.

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 rates very low.

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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%-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 care 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.

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 state’s minimum requirement, which is liability 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.

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

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.

But you can’t just become a nurse overnight. Below we discuss what’s needed to pursue a career  in nursing. 

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. Certain employers may require that nurses have a bachelor’s degree.

Nursing programs have courses that include:

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

Registered nurses must register their license to practice in the state they live or want to work in.

What are the job responsibilities of nurses?

A nurse’s duties depend on where they work and the patients they have. Nurses check patients’ conditions and record symptoms and medical histories. They will set up plans for the patients’ care and administer 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. Healthcare is an ever-growing field,  and there are many career possibilities for nurses.

How to Find the Best 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. Make sure to compare quotes from as many companies as possible to find the best price for your needs.

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