Buy Cheap Auto Insurance for Healthcare Workers in 2023
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 professionals 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 auto insurance company discounts for healthcare workers when requesting quotes.
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Written by
Sara Routhier |
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Reviewed by
Michelle Robbins
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UPDATED: Jan 6, 2023
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 auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance 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: Jan 6, 2023
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 auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance 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
| Healthcare Worker OVERVIEW | STATS TO KNOW |
|---|---|
| National Employment Estimate | 8,673,140 |
| State with the Highest Employment Level | California |
| Top Paying State | Hawaii |
| Median Hourly Wage Estimate | $40.21 |
| Median Annual Wage Estimate | $83,640 |
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 company 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.
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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.
| Healthcare Occupation | Geico Monthly Rates | Geico 6-Month Rates | Geico 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 |
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.
| STATES | AVERAGE ANNUAL SALARY FOR DOCTORS | AVERAGE ANNUAL AUTO INSURANCE RATES | AUTO INSURANCE AS A PERCENT OF INCOME |
|---|---|---|---|
| Alabama | $113,472 | $3,422 | 3.02% |
| Alaska | $129,399 | $3,567 | 2.76% |
| Arizona | $121,805 | $4,125 | 3.39% |
| Arkansas | $114,153 | $3,771 | 3.30% |
| California | $127,359 | $3,689 | 2.90% |
| Colorado | $121,516 | $3,876 | 3.19% |
| Connecticut | $130,206 | $4,619 | 3.55% |
| Delaware | $121,626 | $5,986 | 4.92% |
| Florida | $109,362 | $4,680 | 4.28% |
| Georgia | $115,953 | $4,967 | 4.28% |
| Hawaii | $135,199 | $2,556 | 1.89% |
| Idaho | $129,399 | $2,981 | 2.30% |
| Illinois | $113,482 | $2,979 | 2.63% |
| Indiana | $119,348 | $3,305 | 2.77% |
| Iowa | $117,141 | $3,415 | 2.92% |
| Kansas | $118,853 | $3,280 | 2.76% |
| Kentucky | $123,861 | $5,195 | 4.19% |
| Louisiana | $118,480 | $5,711 | 4.82% |
| Maine | $118,373 | $2,953 | 2.49% |
| Maryland | $130,353 | $4,583 | 3.52% |
| Massachusetts | $140,610 | $2,679 | 1.91% |
| Michigan | $113,669 | $10,499 | 9.24% |
| Minnesota | $122,070 | $4,403 | 3.61% |
| Mississippi | $112,072 | $3,329 | 2.97% |
| Missouri | $112,001 | $3,665 | 3.27% |
| Montana | $129,399 | $3,221 | 2.49% |
| Nebraska | $128,329 | $3,393 | 2.64% |
| Nevada | $129,399 | $4,166 | 3.22% |
| New Hampshire | $136,828 | $3,284 | 2.40% |
| New Jersey | $123,535 | $3,152 | 2.55% |
| New Mexico | $114,398 | $5,515 | 4.82% |
| New York | $141,997 | $3,464 | 2.44% |
| North Carolina | $104,313 | $4,862 | 4.66% |
| North Dakota | $129,399 | $4,290 | 3.32% |
| Ohio | $120,954 | $2,710 | 2.24% |
| Oklahoma | $119,204 | $4,142 | 3.47% |
| Oregon | $121,486 | $3,468 | 2.85% |
| Pennsylvania | $122,751 | $4,035 | 3.29% |
| Rhode Island | $127,832 | $5,003 | 3.91% |
| South Carolina | $122,214 | $3,781 | 3.09% |
| South Dakota | $123,806 | $3,982 | 3.22% |
| Tennessee | $121,673 | $3,661 | 3.01% |
| Texas | $114,533 | $4,043 | 3.53% |
| Utah | $119,980 | $3,612 | 3.01% |
| Vermont | $128,258 | $2,358 | 1.84% |
| Virginia | $126,640 | $3,234 | 2.55% |
| Washington | $139,675 | $3,059 | 2.19% |
| West Virginia | $123,600 | $2,595 | 2.10% |
| Wisconsin | $120,557 | $3,606 | 2.99% |
| Wyoming | $129,399 | $3,200 | 2.47% |
But it’s important to note that your profession isn’t the only — and certainly not the biggest — factor in determining your auto insurance.
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.
| Companies | Average Annual Rates with a Clean Record | Average Annual Rates with One Accident | Average Annual Rates with One DUI | Average 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 |
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.
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.
| Discount Name | Discounted Percentage |
|---|---|
| Affiliation or "affinity" | 25% |
| Good or safe driver | 20% |
| Multi-car | 10 – 25% |
| Good student | 10 – 20% |
| Green/hybrid car | 10% |
| New car | 10% |
| Homeowner | 5 – 15% |
| Bundled (multi-policy) | 5 – 10% |
| Paid-in-full | 5 – 10% |
| Accident-free | 5% |
| Paperless | 3% |
| Usage or low-mileage | 2% |
| Occupation | Varies |
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.
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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 auto insurance company, it’s always worth comparing multiple insurers, like Esurance and Progressive as well.
Are there special auto insurance company 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.
References:
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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.
|
Written by
Sara Routhier |
|
Reviewed by
Michelle Robbins
|