Auto Insurance for Nurses, Doctors, Surgeons, and Dentists

Finding auto insurance for nurses, doctors, surgeons, and dentists can seem a pain, especially because those in these professions already have very full schedules. Affordable auto insurance for healthcare workers isn't impossible to find, however. Average auto insurance rates for healthcare workers ranges from between $150-$157 per month and healthcare workers qualify for many of the same auto insurance discounts as does everyone else. Compare auto insurance rates for healthcare workers now.

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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 30, 2021

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Auto Insurance for Healthcare Workers Summary
Auto Insurance for Healthcare Workers FactsDetails Source
National Employment Estimates Registered Nurse: 2,982,280
Surgeons: 36,270
Dentist: 110,730
U.S. Bureau of Labor Statistics
Mean Annual Wage Registered Nurse: $77,460
Surgeons: $252,040
Dentist: $178,260
U.S. Bureau of Labor Statistics
Average Annual Cost of Insurance Nurse: $1,895.80
Surgeon: $1,833.60
Dentist: $1,812.00
Geico
Percentage of Income Spent on Insurance Nurse: 2.4%
Surgeon: 0.7%
Dentist: 1.0%
NA
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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.

Average Auto Insurance Rates for Healthcare Workers
Healthcare ProfessionAverage Monthly RatesAverage Six-Month Policy Rates Average Annual Rates
Dentist $151.00$906.00$1,812.00
Surgeon $152.80$916.80$1,833.60
Average $153.92$923.56$1,847.13
Nurse $157.98$947.90$1,895.80
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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.

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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.

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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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.

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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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

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