Auto Insurance For Healthcare Workers

Auto insurance for healthcare workers can be cheaper due to the high education level and low claims rate, and discounts on car insurance for healthcare workers average 10-15%. Geico rates for nurses average $158/mo. and for surgeons $153/mo. Healthcare worker discounts may be offered by Progressive, Allstate, or USAA car insurance, depending on your profession. It's important to ask about car insurance discounts for healthcare workers when requesting quotes.

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Sara Routhier, Managing Editor of Features and Outreach, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming worl...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Dec 31, 2020

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Healthcare Workers Statistics Table
Healthcare Worker OVERVIEWSTATS TO KNOW
National Employment Estimate8,673,140
State with the Highest Employment LevelCalifornia
Top Paying StateHawaii
Median Hourly Wage Estimate$40.21
Median Annual Wage Estimate$83,640
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Auto insurance for healthcare workers comes with a variety of unique discounts and is generally less expensive than for drivers in other professions.

The percentage of income that goes toward auto insurance is lower for doctors and others who are in a higher-income bracket, and nurses can get discounts too. You’re also eligible for special auto insurance discounts for healthcare workers with some companies, and you may want to switch auto insurance when you find out how much you could save, even from big-name insurers like Allstate and USAA car insurance.

If you’re looking for the best auto insurance as a healthcare worker, we can help. Enter your ZIP code above to get FREE quotes.

Auto Insurance Rates for Healthcare Workers

Do insurance companies check occupation? Just like credit score and driving record, insurers think that your occupation determines how much of a risk you will be for them to insure.

The Bureau of Labor Statistics estimates that there are 8,673,140 healthcare practitioners and technicians. Doctors, nurses, and medical technicians are generally in a higher income bracket than the typical driver and are often familiar first-hand with the consequences of bad driving.

Because of that, insurers usually deem healthcare workers to be lower-risk. That’s good news for your wallet.

What profession is the cheapest for car insurance? Homemakers and professors are among the cheapest, but healthcare professionals usually have pretty good rates as well. There are lots of options for discount auto insurance for nurses and doctors.

The table below shows sample rates from Geico for various healthcare professionals.

Geico Average Auto Insurance Rates for Various Healthcare Workers
Healthcare OccupationGeico Monthly RatesGeico 6-Month RatesGeico Annual Rates
Surgeon$152.80$916.80$1,833.60
Orthodontist$152.80$916.80$1,833.60
Nurse$157.98$947.90$1,895.80
Occupational Therapist$157.98$947.90$1,895.80
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They’re considered to be lower-risk, but keep in mind that insurers also price their rates on income, so that’s what typically pushes up a healthcare worker’s auto insurance rates.

Income for doctors varies by state, but so does auto insurance. The actual percentage of income that goes toward auto insurance is lower for doctors and many other healthcare workers. You can see some samples below.

Auto Insurance as a Percentage of Doctor's Average Annual Income
STATESAVERAGE ANNUAL SALARY FOR DOCTORSAVERAGE ANNUAL AUTO INSURANCE RATESAUTO INSURANCE AS A PERCENT OF INCOME
Alabama$113,472$3,4223.02%
Alaska$129,399$3,5672.76%
Arizona$121,805$4,1253.39%
Arkansas$114,153$3,7713.30%
California$127,359$3,6892.90%
Colorado$121,516$3,8763.19%
Connecticut$130,206$4,6193.55%
Delaware$121,626$5,9864.92%
Florida$109,362$4,6804.28%
Georgia$115,953$4,9674.28%
Hawaii$135,199$2,5561.89%
Idaho$129,399$2,9812.30%
Illinois$113,482$2,9792.63%
Indiana$119,348$3,3052.77%
Iowa$117,141$3,4152.92%
Kansas$118,853$3,2802.76%
Kentucky$123,861$5,1954.19%
Louisiana$118,480$5,7114.82%
Maine$118,373$2,9532.49%
Maryland$130,353$4,5833.52%
Massachusetts$140,610$2,6791.91%
Michigan$113,669$10,4999.24%
Minnesota$122,070$4,4033.61%
Mississippi$112,072$3,3292.97%
Missouri$112,001$3,6653.27%
Montana$129,399$3,2212.49%
Nebraska$128,329$3,3932.64%
Nevada$129,399$4,1663.22%
New Hampshire$136,828$3,2842.40%
New Jersey$123,535$3,1522.55%
New Mexico$114,398$5,5154.82%
New York$141,997$3,4642.44%
North Carolina$104,313$4,8624.66%
North Dakota$129,399$4,2903.32%
Ohio$120,954$2,7102.24%
Oklahoma$119,204$4,1423.47%
Oregon$121,486$3,4682.85%
Pennsylvania$122,751$4,0353.29%
Rhode Island$127,832$5,0033.91%
South Carolina$122,214$3,7813.09%
South Dakota$123,806$3,9823.22%
Tennessee$121,673$3,6613.01%
Texas$114,533$4,0433.53%
Utah$119,980$3,6123.01%
Vermont$128,258$2,3581.84%
Virginia$126,640$3,2342.55%
Washington$139,675$3,0592.19%
West Virginia$123,600$2,5952.10%
Wisconsin$120,557$3,6062.99%
Wyoming$129,399$3,2002.47%
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But it’s important to note that your profession isn’t the only — and certainly not the biggest — factor in determining your auto insurance.

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What other factors affect your auto insurance rates?

The single biggest thing that affects your rates is your driving record. The table below shows how much your rates will increase with a speeding ticket, at-fault accident, or DUI.

Average Annual Auto Insurance Rates by Driving Record
CompaniesAverage Annual Rates with a Clean RecordAverage Annual Rates with One AccidentAverage Annual Rates with One DUIAverage Annual Rates with One Speeding Violation
USAA$1,933.68$2,516.24$3,506.03$2,193.25
Geico$2,145.96$3,192.77$4,875.87$2,645.43
American Family$2,693.61$3,722.75$4,330.24$3,025.74
Nationwide$2,746.18$3,396.95$4,543.20$3,113.68
State Farm$2,821.18$3,396.01$3,636.80$3,186.01
Progressive$3,393.09$4,777.04$3,969.65$4,002.28
Travelers$3,447.69$4,289.74$5,741.40$4,260.80
Farmers$3,460.60$4,518.73$4,718.75$4,079.01
Allstate$3,819.90$4,987.68$6,260.73$4,483.51
Liberty Mutual$4,774.30$6,204.78$7,613.48$5,701.26
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Your rates will go up with these events:

  • One at-fault accident: 20 to 49 percent increase
  • One speeding ticket: 12 to 24 percent increase
  • One DUI: 17 to 127 percent increase

This video from Allstate talks a bit about things that can influence your rates.

Your credit score and commute length are also important factors, as well as the value of your vehicle and its safety ratings.

Nearly every state has a required minimum amount of insurance, so you will have to purchase auto insurance by state requirements. If you choose to get full coverage, you’ll of course pay more. There are additional auto insurance that you can add on top of that if you choose.

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Auto Insurance Discounts for Healthcare Workers

What discounts can you get on auto insurance? Statistics show that doctors and other healthcare workers are likely to have lower claims rates than drivers in other professions. Because of this, some auto insurers offer discounts specifically for doctors, nurses, and first responders.

You may qualify for various healthcare worker discounts, though many discounts are available for any drive regardless of occupation.  Education is also a factor, as those with a higher education level are considered to be lower risk.  What is an insurance discount for higher education?

These discounts for healthcare workers with a Ph.D. are the same as to anyone else with the degree. You’ll generally get about a 10 to 15 percent discount when you have earned a Ph.D.

Here are some more discounts that you may qualify for, such as a safe driver discount or multi-policy.

Common Auto Insurance Discounts
DISCOUNT NAMEDISCOUNT PERCENTAGE
Usage or low-mileage2%
Paperless3%
Bundled (multi-policy)5–10%
Homeowner5–15%
Paid-in-full5–10%
Accident-free5%
Multi-car10–25%
Green/hybrid car10%
New car10%
Good or safe driver20%
Affiliation or "affinity"25%
OccupationVaries
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This video from Shine Insurance goes over some common discounts you may qualify for.

So even if you find yourself facing down an expensive quote because of a past DUI or speeding ticket, it’s important to shop around to see which discounts you may be able to add on.

Frequently Asked Questions

Let’s take a look at a few more FAQs below.

What is the best auto insurance company for healthcare workers?

When choosing the best auto insurance company for you, it helps to look at their ratings. To see the financial strength and reliability of a company, A.M. Best ratings create impartial reports.

And most people will say that customer service is pretty important to them. Waiting for 30 minutes to speak to a rude representative is never fun. So, a company’s J.D. Power ratings are important and can show you just how well they do in this category.

Although a Geico quote is often the cheapest, it’s always worth comparing multiple insurers, like Esurance and Progressive as well.

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Are there special car discounts for healthcare workers?

COVID-19 has changed a lot of our world, and most people and corporations now have a higher appreciation of healthcare workers. That’s resulted in a lot of additional discounts becoming available, even for vehicles. CNN has published one list of these available discounts. Companies like GM and Chevrolet are among those offering discounts at this time.

If you’re a healthcare worker who wants the best price on auto insurance, we can help. Enter your ZIP code below to get FREE quotes from multiple insurers.

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