Best Auto Insurance for Nurses in 2024 (Save With These 8 Companies)
Geico, Progressive, and State Farm are the winners for offering the best auto insurance for nurses. Among these top companies, the average monthly rate for nurses stands at a reasonable $92. Securing the top spot, Geico provides nurses a budget-friendly rate of only $82 per month.
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Schimri Yoyo
Licensed Agent & Financial Advisor
Schimri Yoyo is a financial advisor with active insurance licenses in seven states and over 20 years of professional experience. During his career, he has held roles at Foresters Financial, Strayer University, Minnesota Life, Securian Financial Services, Delaware Valley Advisors, Bridgemark Wealth Management, and Fidelity. Schimri is an educator eager to assist individuals and families in ach...
Licensed Agent & Financial Advisor
UPDATED: Sep 9, 2024
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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Sep 9, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
Company Facts
Avg. Monthly Rate for Nurses
A.M. Best Rating
Complaint Level
Pros & Cons
Company Facts
Avg. Monthly Rate for Nurses
A.M. Best Rating
Complaint Level
Pros & Cons
Company Facts
Avg. Monthly Rate for Nurses
A.M. Best Rating
Complaint Level
Pros & Cons
Geico, Progressive, and State Farm are the winners for the best auto insurance for nurses. Among the top providers, nurses generally face an average monthly cost of $92. Our top pick, Geico, provides a monthly rate for nurses, priced at only $82.
Although nursing and other healthcare specialties are known as stressful careers, auto insurance for healthcare workers tends to be lower than the national average, and healthcare workers can take advantage of various auto insurance discounts to reduce their costs.
Our Top 8 Company Picks: Best Auto Insurance for Nurses
Company | Rank | Occupation Discount | Safe Driver Discount | Best For | Jump to Pros/Cons |
---|---|---|---|---|---|
#1 | 10% | 15% | Special Discounts | Geico | |
#2 | 8% | 12% | Snapshot Program | Progressive | |
#3 | 12% | 18% | Good Student | State Farm | |
#4 | 15% | 20% | Drivewise Program | Allstate | |
#5 | 10% | 15% | Military Members | USAA | |
#6 | 7% | 10% | Smartride Program | Nationwide | |
#7 | 9% | 13% | Unique Benefits | Liberty Mutual | |
#8 | 11% | 16% | Signal App | Farmers |
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.
- Geico, Progressive, and State Farm are the top three auto insurers for nurses
- Surgeons pay more, but nurses pay less for auto insurance
- Car insurance discounts for healthcare workers are available
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#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.
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#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.
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#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.
Insurance Provider Anti Theft Good Student Low Mileage Paperless Safe Driver Senior Driver
Geico 15% 12% 23% 8% 10% 22%
Progressive 19% 26% 11% 7% 33% 10%
State Farm 8% 7% 9% 6% 8% 12%
Allstate 10% 10% 10% 5% 15% 5%
USAA 12% 10% 5% 3% 15% 3%
Nationwide 35% 10% 25% 5% 10% 10%
Liberty Mutual 20% 23% 12% 10% 15% 12%
Farmers 10% 15% 10% 10% 15% 5%
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.
You can still keep your premiums low by carpooling, taking the bus to work, or using rideshare if you're a nurse living in a suburban area.Dani Best Licensed Insurance Producer
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.
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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
Insurance Company | Rates for 6,000 Monthly Mileage | Rates for 12,000 Monthly Mileage |
---|---|---|
Allstate | $403 | $411 |
American Family | $283 | $290 |
Farmers | $348 | $351 |
Geico | $264 | $272 |
Liberty Mutual | $500 | $513 |
Nationwide | $286 | $289 |
Progressive | $336 | $337 |
State Farm | $265 | $279 |
Travelers | $367 | $373 |
USAA | $207 | $216 |
U.S. Average | $326 | $399 |
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.
There are other ways to qualify for lower group insurance rates when buying auto insurance as long as the carrier has an affinity program.Schimri Yoyo Licensed Agent & Financial Advisor
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
Intro | Details |
---|---|
Average Enrollment Discount for Usage Based Insurance | 5% |
Average Savings with Usage-Based Programs | 20% to 40% |
Types of Telematic Devices | Apps Embedded In-Vehicle |
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.
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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.
Frequently Asked Questions
Why do nurses need auto insurance?
Nurses often use their personal vehicles for commuting to and from work, visiting patients, running errands, or making home visits. Auto insurance is necessary to protect nurses financially in case of accidents, theft, or other incidents that may occur while using their vehicles for work-related purposes.
Is personal auto insurance for nurses enough?
Personal auto insurance may not be sufficient for nurses who use their vehicles for work-related purposes. It’s important to inform your insurance provider about your profession and the extent of your vehicle use for work. Depending on your insurance company’s policies, you may need to add additional coverage or consider a commercial auto insurance policy.
Are there any specific auto insurance discounts available for nurses?
Some insurance companies will offer a specific nurse car insurance discount. To take advantage of these discounts, nurses should inquire with their insurance provider about any available offers for healthcare professionals.
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.
Does Geico give auto insurance discounts to nurses?
Yes, Geico awards nurses with occupation-based discounts and additional affinity-based discounts if they’re members of the ANA or Association of Women’s Health.
Does Nationwide offer a nurse auto insurance discount?
Yes, nurses can earn occupation-based and ANA-based auto insurance discounts from Nationwide.
Can nurses be covered under their employer’s auto insurance?
Some employers may provide auto insurance coverage for nurses while they are performing work-related duties. It’s important for nurses to check with their employer to determine if such coverage is available. However, it’s recommended to have personal auto insurance in addition to any coverage provided by the employer to ensure comprehensive protection.
Are there any additional considerations for auto insurance as a nurse?
When considering auto insurance as a nurse, there are a few additional factors to keep in mind:
- If you transport patients in your vehicle, you may need to consider additional coverage options or a commercial auto insurance policy.
- Your driving record and claims history can affect your insurance premiums, so it’s important to maintain a good driving record.
- If you frequently drive long distances or use your vehicle for work extensively, you may need higher coverage limits.
Are there any specific auto insurance considerations for nurses who provide home healthcare services?
Nurses who provide home healthcare services should consider additional coverage options such as professional liability insurance or malpractice insurance. These coverage options protect nurses in case of allegations of negligence or errors in patient care. It’s important to consult with an insurance professional to understand the specific coverage needs for your home healthcare services.
Can nurses add their personal auto insurance premiums as a tax deduction?
In some cases, nurses may be able to deduct a portion of their auto insurance premiums as a business expense on their tax returns if they use their personal vehicles for work-related purposes. However, tax laws can vary, so it’s recommended to consult with a tax professional or accountant for guidance on deductibility and specific eligibility criteria.
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.
Do travel nurses get auto insurance benefits?
Travel nurses may be eligible for insurance benefits depending on how often they drive and where they work. Likewise, an employer can provide coverage or an insurance stipend, but insurance benefits will vary from company to company.
What type of insurance should independently practicing nurses hold?
Independently practicing nurses should carry a commercial or business car insurance policy if they use their personal vehicle for work. They may also want to have personal liability coverage to protect them financially in the event they are sued for neglect.
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Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Schimri Yoyo
Licensed Agent & Financial Advisor
Schimri Yoyo is a financial advisor with active insurance licenses in seven states and over 20 years of professional experience. During his career, he has held roles at Foresters Financial, Strayer University, Minnesota Life, Securian Financial Services, Delaware Valley Advisors, Bridgemark Wealth Management, and Fidelity. Schimri is an educator eager to assist individuals and families in ach...
Licensed Agent & Financial Advisor
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.