Auto Insurance for Nurses, Doctors, Surgeons, and Dentists

Are you a healthcare worker looking for cheaper rates on auto insurance coverages? Finding auto insurance for nurses, doctors, surgeons, and dentists doesn’t need to stress you out. While your occupation can influence your coverage rates, there are ways to save on auto insurance for healthcare workers.

We will help you learn more about auto insurance rates by occupation and auto insurance discounts for healthcare workers. Until then, use our free rate comparison tool above to find the top auto insurance companies for healthcare workers.

Auto Insurance for Healthcare Workers: How Occupation Can Change Your Rates

How does a job affect auto insurance for doctors and other healthcare professionals? It all comes down to risk. If your job impacts your driving by making you tired and less likely to react to dangers on the road, your insurer may charge more.

They may also increase your rates if your job requires heavy traveling or is known for having distractions, such as constantly taking phone calls on the road.

As a healthcare professional, you likely won’t be driving around much other than a daily commute, but your job may be considered high-stress by insurers, especially if you work at a hospital. For example, residents in training and nurses may work long hours at a hospital, making them more likely to crash from fatigue while driving home from a long shift.

Should I tell my insurer if I’m no longer a health care worker?

Absolutely. If you have had a major change in occupation, you need to tell your insurer about your new job when you renew your policy.

Purposefully withholding or misrepresenting information to your insurer counts as a form of fraud. Since fraud costs the insurance industry an average of $40 billion per year, according to the Insurance Information Institute (III), insurers take discrepancies in information seriously. You could be dropped or have your claim denied if your information is not correct.

As we stated earlier, your occupation can affect your rates. Insurers’ auto insurance occupation list takes into account risk and occupation discounts, such as military affiliation discounts. So if you lose or leave your job as a nurse, you will no longer qualify for auto insurance discounts for nurses.

While you may be tempted to lie to your insurer to continue receiving discount auto insurance for nurses, it is in your best interest to be honest with your insurer. You may qualify for cheaper rates if you’re retired, as you can earn a low mileage discount if you are no longer commuting to work every day. You can also sign up for usage-based insurance.

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Auto Insurance Rates for Healthcare Workers

So, how much is auto insurance for surgeons, nurses, doctors, and dentists? We collected quotes from Geico to show you how much insurance costs for healthcare workers.

These rates are a general baseline for what your occupation pays for auto insurance. Rates can change based on age, gender, driving record, and other factors.

Does your annual mileage affect your rates as a healthcare worker?

Yes. The more you are on the road, the greater the risk is that you will get into an accident. We partnered with Quadrant to show you how the distance you drive every year can impact your rates.

Even if you drive over 12,000 miles a year as a traveling healthcare worker, your rates will only increase an average of $89 a year, or $7 a month.

Which companies offer discounts for healthcare workers?

While there usually isn’t an auto insurance occupation discount specifically for healthcare workers, all healthcare workers can qualify for the same discounts as other drivers, such as alumni discounts or safe driver discounts. To get an idea of how much you can save, take a look at the table below.

Most insurers offer an average of 29 discounts, so the rates above may be affected by potential discounts.

Can a college education affect auto insurance rates for healthcare workers? Absolutely. Discounts are often offered to graduates, so make sure you inform your insurer that you have a higher education.

We hope our guide to auto insurance for healthcare workers has given you the tools you need to search for a better coverage plan. Ready to buy auto insurance for healthcare workers? To start shopping for cheap auto insurance for nurses, doctors, surgeons, or dentists, enter your ZIP code in our free tool below to compare auto insurance quotes for healthcare workers now.

Frequently Asked Questions: Auto Insurance for Nurses, Doctors, Surgeons, and Dentists

Hopefully, you’re now fully informed about how to get the best price on your auto insurance if you are a healthcare worker. Just to be safe, though, take a look at some common questions below.

#1 – Which doctors pay the most for malpractice insurance?

If you are looking to bundle a malpractice business insurance policy with your auto coverage, you may wonder what professions have the most expensive insurance. Some of the most-sued professions, and therefore the most expensive to insure, are OB-GYNs, neurosurgeons, and plastic surgeons.

#2 – How much does the average doctor pay for malpractice insurance?

Malpractice insurance generally costs at least $5,000 to $10,000, but it may be more depending on the profession. Do doctors pay for their own malpractice insurance? Generally, a hospital will cover most of the doctor’s malpractice insurance, but doctors in private practice will usually have to buy their own insurance.

If you have to purchase your own malpractice insurance, consider going to an insurer where you can bundle malpractice insurance with auto or home insurance, as you can get a significant discount.

#3 – What is the difference between a doctor and a dentist?

Many people ask, “Do dentists have the title Dr.?” Although they do, dentists are not qualified to treat people outside of dentistry. Doctors treat a wide range of illnesses, while dentists focus solely on your mouth and teeth. Given that both doctors and dentists have similar levels of education, their risk likely won’t be judged differently by insurers.

#4 – Are there rates for auto insurance occupation but unemployed?

It will affect your auto insurance rates if you are unemployed, but usually for the better. You can get a major discount for low mileage.

#5 – What is NSO auto insurance for nurses?

NSO stands for Nurses Service Organization. NSO offers a variety of discounted insurance plans for nurses, from auto and home insurance to malpractice insurance.

References 

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