Auto Insurance for a Home Care Worker, Nanny, and Caretaker

The average cost of auto insurance for home care workers, nannies, and caretakers is $1,984.00/yr or $165.33/mo. Caregivers may want to consider business or commercial insurance if they use their personal vehicles to regularly transport clients. Caregivers can find savings by shopping around for insurance and taking advantage of discounts.

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Sara Routhier, Director of Outreach and Managing Editor of Features, 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 overw...

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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: Mar 2, 2021

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A Concise Overview:

  • The average auto insurance rates for caretaker jobs is $165.33 per month.
  • While having a high-risk job doesn’t mean you need to purchase expensive high-risk auto insurance, your rates may change slightly due to caregivers’ driving habits.
  • If a caregiver gets into an accident, who pays will depend on what car was being driven.

If you drive and work in the caregiving industry, you may be wondering, “How do I protect myself as a nanny, home care worker, or caretaker?” Auto insurance for home care workers, nannies, and caretakers is important; having the right auto insurance coverages will ensure you, your passengers, and your business is protected. Read on to learn more about auto insurance for caregivers.

To start comparison shopping for auto insurance for care workers right away, enter your ZIP code in our free tool above.

Auto Insurance for Caregivers: How Occupation Can Change Your Rates

If may seem odd that your occupation can affect what you pay for auto insurance, but your job can affect your perceived driving risk. Job-related factors that might influence your driving include:

  • A job that is high-stress
  • A job that requires heavy traveling
  • A job that requires driving at odd hours (such as at night)
  • A job that has frequent, distracting activities (such as phone calls)

All of these job factors can make drivers more prone to accidents. While having a high-risk job doesn’t mean you need to purchase expensive high-risk auto insurance, your rates may change slightly due to caregivers’ driving habits.

For example, a caregiver may be driving with others in a car (a distraction) or driving odd or long hours to clients’ houses. Insurers will take all of the risk factors of being a caretaker into consideration when they set your rates.

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Should I tell my insurer if I change jobs?

If you have a change in your career, you should definitely let your insurer know. According to the Insurance Information Institute (III), if you withhold or misrepresent your job information to your insurer, this counts as a form of fraud. This type of fraud could result in your claim being rejected or your policy being dropped.

While this doesn’t mean you need to rush to let your insurer know you switched jobs, you should let them know at your next policy renewal. This will ensure you don’t risk rejected claims, and your rates probably won’t even change that much.

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Auto Insurance Rates for Home Care Workers, Nannies, and Caretakers

Now that you understand how your occupation as a caregiver impacts your rates, let’s dive into how much auto insurance costs for caregivers.

Geico Average Auto Insurance Rates for Home Care Worker
Geico Auto Insurance Policy TermsGeico Average Rates for Homecare Workers
Average monthly rates$165.33
Average six-month rates$992.00
Average annual rates$1,984.00
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These rates are just a baseline for what you should be paying, as rates can be affected by your annual mileage, discounts, and education level. Stick with us to find out why these factors impact your rates.

Does your annual mileage affect your rates as a caregiver?

If you have a job that requires being on the road a lot, your insurer may raise your rates. Why? The more you’re on the road, the higher the risk that you may crash. Take a look at the table below to see how your annual mileage can impact your auto insurance rates.

Average Annual Auto Insurance Rates Based on Commute

CompaniesAverage Annual Rates for
10 Miles Commute
6,000 Annual Mileage
Average Annual Rates for
25 Miles Commute
12,000 Annual Mileage
USAA$2,483$2,592
Geico$3,163$3,267
State Farm$3,176$3,344
American Family$3,401$3,485
Nationwide$3,437$3,463
Progressive$4,030$4,041
Farmers$4,179$4,209
Travelers$4,400$4,470
Allstate$4,842$4,934
Liberty Mutual$5,995$6,152
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The good news is that if you do have a longer commute as a caregiver, the average rate increase is only $89 a year, or $7 a month.

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Which companies offer discounts for caregivers?

There is no specific discount for caregivers. However, there are plenty of discounts caregivers might qualify for. To see how much your potential savings could be with some of the top discounts, take a look at the table below.

Auto Insurance Discounts Offered by the Top 10 Auto Insurance Companies
CompaniesAverage Annual RatesAnti-Theft Discount (up to 25% off)Defensive Driving Discount (up to 10% off)Further Education Discounts (up to 15% off)Annual Rates with Discount(s) Applied
USAA$2,542$635$254$381$1,271
GEICO
$3,216$804$322$482$1,608
State Farm$3,268$817$327$490$1,634
American Family$3,443$861$344$516$1,722
Nationwide$3,447$862$345$517$1,723
Progressive$4,044$1,011$404$607$2,022
Farmers$4,189$1,047$419$628$2,094
Travelers$4,445$1,111$444$667$2,222
Allstate$4,898$1,225$490$735$2,449
Liberty Mutual$6,096$1,524$610$914$3,048
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These are just three options. Most insurers offer anywhere from 20 to 30 discounts — everything from safe driver discounts to paperless billing.

Can a college education affect auto insurance rates for caregivers?

Caregivers may have an associate or bachelor’s degree in nursing, early childcare development, or health sciences. Education can be a factor when insurers determine rates, as education can sometimes be associated with risk as well. Why?

Consider a young, teenage driver without a degree compared to a recent college graduate. The teen is more likely to get into an accident than the college graduate.

Overall, though, education will only have a small impact on your rates and may not even be considered at all. Still, make sure your insurer knows if you have a degree, as an alumni discount could take a small amount off your overall rate.

Auto Insurance for Transporting Clients

Do nannies need insurance for transporting clients? As a caregiver or nanny, you may find yourself frequently transporting clients for your job. If you’re driving clients in a personal vehicle and your car is used more for work than for personal reasons, you should consider getting business insurance.

Do I need business insurance as a carer? Not necessarily, but business auto insurance for care workers provides an extra level of liability coverage if you get into an accident. So if you are wondering if transporting clients in a personal vehicle requires a business policy, talk to your insurer to see if business auto insurance for carrying passengers is a good choice for you.

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Frequently Asked Questions: Auto Insurance for Home Care Workers, Nannies, and Caretakers

If you still have questions, don’t worry. We’re going to go over the most commonly asked questions on the internet. Keep reading to learn more.

#1 – Does umbrella cover a nanny or caregiver?

Most insurance policies follow the car, not the driver. So if your employer has an auto insurance umbrella policy, it should cover you if you get into an accident while driving your employer’s car. However, your employer should check with their insurer first, as not all providers will extend coverage to a third-party driver after an accident.

Adding a caregiver to the auto insurance policy of an employer is also an option if you drive the employer’s car frequently, such as dropping kids off at school or taking clients to doctor appointments.

#2 – How do I get insurance for my nanny?

Should a nanny have insurance under the employer’s policy? If you’re the employer or are buying a car for the nanny, you can talk to your insurer about adding your nanny as a non-primary driver on your policy. You may be wondering, “Should I let the nanny drive the baby or child?” If you add them to your policy as a non-primary driver, you can do so without worrying.

What about if the nanny is driving her own car? If a nanny is using her own car, she will be covered under her own insurance policy. If the nanny has a car accident while driving her own vehicle, her insurer will cover the damages.

#3 – Can you drive an uninsured car if you have fully comp insurance?

Can someone else drive my car if they are fully comp? Unfortunately, car insurance follows the car, not the driver. It is illegal to drive an uninsured car, so even if you are a caregiver driving an uninsured client’s car and have insurance, your insurance won’t protect you.

#4 – If a caregiver or nanny is in a car accident who pays?

If a caregiver gets into an accident, who pays will depend on what car was being driven. If the nanny has contract use of your car and was driving it at the time of the accident, your insurance will pay. If the caregiver was driving their own car, their insurance will cover the accident.

We hope our guide to caregiver’s auto insurance has given you a better idea of what insurance coverage caregivers should have and what impacts rates. If you are ready to start shopping for the cheapest caregiver auto insurance in your area, enter your ZIP code in our free tool below.

References 

  1. https://www.iii.org/article/background-on-insurance-fraud

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