Best Auto Insurance for Healthcare Workers in 2025 (See the Top 10 Companies Here!)
Geico, Erie, and Farmers offer the best auto insurance for healthcare workers, starting at $83 monthly. With a national employment estimate of 8,673,140 healthcare workers, these providers offer great prices and valuable car insurance discounts for healthcare workers, making them ideal choices for coverage.
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Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
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UPDATED: Mar 21, 2025
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UPDATED: Mar 21, 2025
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.
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1,883 reviewsCompany Facts
Full Coverage for Healthcare Workers
A.M. Best Rating
Complaint Level
Pros & Cons
1,883 reviews
3,072 reviewsCompany Facts
Full Coverage for Healthcare Workers
A.M. Best Rating
Complaint Level
Pros & Cons
3,072 reviewsGeico is the top pick for the best auto insurance for healthcare workers, offering specialized coverage and valuable car insurance discounts. Erie and Farmers also provide competitive rates and exclusive benefits tailored to healthcare professionals.
Doctors, nurses, and other healthcare workers often qualify for lower premiums due to their lower risk profiles and income brackets. Comparing quotes from these top providers helps healthcare workers find the best coverage and maximize savings with available discounts.
Our Top 10 Company Picks: Best Auto Insurance for Healthcare Workers
| Company | Rank | Bundling Discount | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | 15% | A++ | Affordable Rates | Geico |
 | #2 | 18% | A+ | Customer Service | Erie |
 | #3 | 16% | A | Tailored Plans | Farmers |
 | #4 | 14% | A+ | Custom Plans | Progressive |
 | #5 | 13% | A++ | Flexible Coverage | Travelers |
 | #6 | 17% | A++ | Great Service | Auto-Owners |
 | #7 | 19% | A+ | Personalized Support | Nationwide |
 | #8 | 15% | A+ | Senior Healthcare | The Hartford |
 | #9 | 12% | A | Flexible Options | Liberty Mutual |
 | #10 | 16% | B | Reliable Coverage | State Farm |
Get the lowest auto insurance rates for healthcare workers by entering your ZIP code into our free tool.
- Healthcare workers can access exclusive auto insurance benefits and plans
- Auto insurance tailored for healthcare workers offers savings and perks
- Geico offers a medical professional discount for healthcare workers
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#1 – Geico: Top Overall Pick
Pros
- Affordable Insurance Rates: Geico offers some of the most competitive rates, making it easier for healthcare workers to manage auto insurance costs.
- Medical Professional Discount: Offers specialized insurance discounts for healthcare workers, further reducing premiums for medical professionals. Explore further details in our “Geico Auto Insurance Review.”
- Bundling Discount: healthcare workers can save 15% by bundling auto insurance with other policies.
Cons
- Limited Tailored Options: Healthcare workers may find fewer customizable auto insurance plans.
- Higher Rates for Past Claims: Healthcare workers with past claims may see higher premiums due to past claims.
#2 – Erie: Best for Customer Service
Pros
- Medical Professional Insurance Discounts: Specialized insurance discounts for healthcare workers reduce monthly premiums.
- Multi-Policy Savings: Bundling insurance policies offer an 18% discount for healthcare workers.
- Excellent Customer Service: Erie is highly recommended for providing outstanding insurance service to healthcare providers
Cons
- Limited Nationwide Availability: For a broader perspective, learn more about our “Erie Auto Insurance Review.” Erie insurance is not available in all states, which can limit healthcare professionals’ access.
- Fewer Digital Tools: Healthcare professionals might find Erie’s digital insurance platform less accommodating.
#3 – Farmers: Best for Tailored Plans
Pros
- Tailored Insurance Plans: Farmers offers flexible insurance options customized to meet the specific needs of healthcare workers.
- Bundling Discount: Healthcare workers can save up to 16% when bundling auto and other insurance policies. Obtain further insights from our “Farmers Auto Insurance Review.”
- Safe Driver Discount: Healthcare workers with safe driving habits enjoy auto insurance discounts.
Cons
- Higher Base Premiums: Farmers’ auto insurance rates may be higher than other companies for healthcare workers.
- Limited Flexible Options: Some healthcare workers may find fewer policy adjustments compared to more tailored plans from competitors.
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#4 – Progressive: Best for Custom Plans
Pros
- Custom Insurance Plans: Read our “Progressive Auto Insurance Review” to learn how Progressive allows healthcare workers to tailor their insurance coverage.
- Medical Worker Discounts: Healthcare workers receive discounts, helping reduce their auto insurance costs.
- Snapshot Program for Savings: Healthcare workers can use the Snapshot program to get additional auto insurance discounts.
Cons
- Lower Customer Satisfaction: Some healthcare workers report less favorable insurance service experiences.
- Higher Rate Increases After Claims: Premiums may increase significantly after healthcare workers file claims.
#5 – Travelers: Best for Flexible Coverage
Pros
- Flexible Insurance Coverage: Travelers provide a broad range of choices, so health workers can easily modify coverage if their needs change.
- Defensive Driving Discount: healthcare professionals who take driving courses receive lower auto insurance rates.
- Bundling Discount: Health practitioners can bundle policies for lower premiums by taking advantage of a 13% discount.
Cons
- Higher Rates in Some Regions: Healthcare workers in certain areas may find Travelers’ rates less competitive. Expand your understanding with our “Travelers Auto Insurance Review.”
- Limited Add-On Options: Travelers offers fewer insurance add-ons, which may limit customization for healthcare workers with specific needs.
#6 – Auto-Owners: Best for Great Service
Pros
- Medical Worker-Specific Discounts: Our “Auto-Owners Auto Insurance Review ” enhances your understanding by highlighting how discounted coverage for medical professionals reduces their premiums.
- Exceptional Customer Service: It is known for providing outstanding auto insurance service to healthcare workers.
- High Coverage Limits: Auto-owners have high coverage limits for healthcare professionals’ vehicles.
Cons
- Limited Digital Tools: Auto-Owners lacks some of the online management features that tech-savvy healthcare workers might expect.
- Fewer Customizable Plans: Some healthcare workers may find fewer options for adjusting their policies compared to other insurers.
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#7 – Nationwide: Best for Personalized Support
Pros
- Personalized Insurance Support: Nationwide offers healthcare workers tailored assistance with their insurance needs.
- Accident-Free Discount: Healthcare workers with accident-free records enjoy lower insurance premiums. For additional insights, refer to our “Nationwide Auto Insurance Review.”
- Bundling Discount: Healthcare workers can receive up to 19% off by bundling policies, maximizing their insurance savings.
Cons
- Higher Rates in Riskier Areas: Healthcare professionals in some areas can find their rates more costly than those of other insurance companies.
- Slower Claim Processing: Healthcare workers have complained of slower insurance claims processing.
#8 – The Hartford: Best for Senior Healthcare
Pros
- Specialized Senior Healthcare Coverage: They offer tailored insurance coverage options for senior healthcare workers.
- Medical Worker and AARP Discounts: Special auto insurance discounts for AARP members and healthcare workers.
- Bundling Discount: Our article “The Hartford Auto Insurance Review” explains that healthcare workers can save 15% by bundling multiple insurance policies.
Cons
- Limited Discounts for Younger Workers: Younger healthcare workers may find fewer discount opportunities.
- Fewer Digital Management Tools: Healthcare workers may find the lack of online policy management features limiting.
#9 – Liberty Mutual: Best for Flexible Options
Pros
- Flexible Insurance Options: Liberty Mutual offers customizable insurance plans for healthcare workers.
- New Car Replacement: Read our article “Liberty Mutual Auto Insurance Review ” to find out more about how healthcare workers with new cars receive a replacement in case of total loss.
- Medical Worker-Specific Discounts: Specialized discounts for healthcare workers reduce monthly premiums.
Cons
- Higher Base Premiums: Liberty Mutual’s rates may be higher for healthcare workers than some competitors.
- Inconsistent Customer Service: Healthcare workers report mixed customer service experiences.
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#10 – State Farm: Best for Reliable Coverage
Pros
- Bundle Discount: Healthcare workers may save 16% by bundling insurance policies, reducing overall costs.
- Comprehensive Insurance Coverage: State Farm delivers comprehensive insurance coverage to healthcare professionals.
- Medical Professional Discounts: It offers specialized discounts for healthcare workers.
Cons
- Higher Rates in Urban Areas: Healthcare workers in cities may find State Farm’s rates higher than in rural areas. Unlock additional information in our “State Farm Auto Insurance Review.”
- Limited Policy Customization: Some healthcare workers may find fewer options for tailoring their insurance plans.
Understanding Rates for Healthcare Workers’ Auto Insurance
Auto insurance rates for healthcare workers are typically lower than those of other professions due to their perceived lower-risk driving profiles. This is mainly because healthcare professionals are considered to have stable incomes and a heightened awareness of risk, which can influence their driving habits.
Healthcare Workers Statistics Table
| 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 |
The table shows how healthcare professionals comprise a substantial portion of the country’s workforce and are estimated to have 8,673,140 people working in the industry. California employs the most healthcare professionals, and Hawaii offers the best salary, with a median yearly salary of $83,640 and a median hourly salary of $40.21.
With a median hourly wage of $40.21, healthcare workers can leverage their stable income to secure competitive auto insurance rates, especially when comparing multiple providers.
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Given these statistics, healthcare workers often find themselves in a favorable position when shopping for car insurance. Their higher median wage and stable employment make them less likely to file claims, allowing insurers to offer lower premiums.
Healthcare Workers Auto Insurance Monthly Rates by Provider & Coverage Level
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $84 | $203 |
| $83 | $194 |
| $89 | $206 |
| $88 | $200 |
| $94 | $215 |
| $85 | $202 |
| $86 | $205 |
| $87 | $198 |
| $91 | $212 |
| $89 | $208 |
Healthcare workers typically enjoy competitive rates for both minimum and full coverage. For instance, providers like Erie and Geico offer some of the best monthly rates, starting at $83 for minimum coverage and varying slightly for full coverage options.
If you’re considering a change in coverage, it’s essential to understand how to switch car insurance companies effectively to ensure you maintain continuous coverage while maximizing savings.
Beneficial Auto Insurance Discounts for Healthcare Workers
Auto insurance companies recognize the unique position of healthcare workers and offer several discounts that can significantly lower premiums. These discounts are designed to acknowledge healthcare workers’ professional status, driving habits, and vehicle safety features.
Auto Insurance Discounts From the Top Providers for Healthcare Workers
| Insurance Company | Available Discounts |
|---|---|
| Medical Worker, Multi-Vehicle, Safety Features |
| Medical Professional, Safe Driver, Bundling |
| Medical Professional, Bundling, Safe Driver |
| Defensive Driving, Multi-Vehicle, Medical Professional |
| Medical Worker, Early Shopper, Anti-Theft |
| Accident-Free, Medical Worker, Bundling |
| Medical Worker, Safe Driver, Continuous Coverage |
| Bundling, Safe Driver, Medical Professional |
| AARP, Medical Worker, Safe Driver |
| Defensive Driving, Bundling, Paid-In-Full |
Several top auto insurance providers offer discounts tailored to healthcare professionals. Auto-Owners, Erie, and Farmers deliver medical worker and safe driver discounts, while Geico and Nationwide provide savings for defensive driving and bundling policies. Providers like Liberty Mutual and State Farm reward medical workers with specialized discounts.
Each week I will challenge you to perform a random act of kindness. I hope this kindness challenge spreads and touches each life in SWFL!
Buy someone a cup of coffee! It can be the car behind you in the drive-thru or a box of joe delivered to local healthcare workers! ☕️ pic.twitter.com/0hsb1iKt3s
— Michael Sullivan – State Farm Insurance Agent (@SFAgentSully) August 21, 2020
With over 8.6 million healthcare workers in the U.S. and a median annual wage of $83,640, healthcare professionals have the potential to save a significant amount on auto insurance premiums, especially when considering the minimum auto insurance required by states in high-paying states like Hawaii and California.
Healthcare workers can access numerous auto insurance discounts tailored to their profession, which can help reduce costs and enhance coverage. By comparing quotes and utilizing these discounts, healthcare professionals can find affordable and comprehensive auto insurance that fits their unique needs.
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Auto Insurance Costs for Healthcare Workers
Do insurance companies check occupations? Like credit score and driving record, insurers think your occupation determines how much risk you will be for them to insure.
The Bureau of Labor Statistics estimates 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.
Professions with the Cheapest Car Insurance Rates
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 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.
Auto Insurance as a Percentage of Doctor's Average Annual Income
| 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% |
Read more:
But it’s important to note that your profession isn’t the only — and certainly not the biggest — factor in determining your auto insurance.
Factors That 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
| 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 must purchase auto insurance based on state requirements. If you choose to get full coverage, you’ll, of course, pay more. Some of the cheapest states for auto insurance may offer lower premiums, even for full coverage, and there are additional options you can add on top of that if you choose.
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Exclusive Auto Insurance Savings for Healthcare Workers
What savings can you get on auto insurance? Statistics show that doctors and other healthcare workers will likely have lower claims rates than drivers in different 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 at 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 Name | Allstate | American Family | Farmers | Geico | Liberty Mutual | Nationwide | Progressive | State Farm | Travelers | USAA |
|---|---|---|---|---|---|---|---|---|---|---|
| Adaptive Cruise Control | ✓ | ✓ | ✓ | ✓ | 5% | ✓ | ✓ | ✓ | ✓ | ✓ |
| Adaptive Headlights | ✓ | ✓ | ✓ | ✓ | 5% | ✓ | ✓ | ✓ | ✓ | ✓ |
| Anti-lock Brakes | 10% | ✓ | ✓ | 5% | 5% | 5% | ✓ | 5% | ||
| Anti-Theft | 10% | ✓ | 23% | 20% | 25% | ✓ | 15% | |||
| Claim Free | 35% | ✓ | ✓ | 26% | ✓ | 10% | ✓ | 15% | 23% | 12% |
| Continuous Coverage | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | 15% | ✓ | ||
| Daytime Running Lights | 2% | ✓ | 3% | 5% | 5% | ✓ | ✓ | |||
| Defensive Driver | 10% | 10% | ✓ | ✓ | 10% | 5% | 10% | 5% | 10% | 3% |
| Distant Student | 35% | ✓ | ✓ | ✓ | ✓ | 10% | ✓ | 7% | ||
| Driver's Ed | 10% | ✓ | ✓ | ✓ | 10% | ✓ | 10% | 15% | 8% | 3% |
| Driving Device/App | 20% | 40% | ✓ | ✓ | 30% | 40% | 20% | 50% | 30% | 5% |
| Early Signing | 10% | ✓ | ✓ | ✓ | ✓ | 8% | ✓ | ✓ | 10% | 12% |
| Electronic Stability Control | 2% | ✓ | ✓ | ✓ | 5% | ✓ | ✓ | ✓ | ✓ | |
| Emergency Deployment | ✓ | ✓ | ✓ | 25% | ✓ | ✓ | ✓ | ✓ | ✓ | |
| Engaged Couple | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| Family Legacy | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | 10% |
| Family Plan | ✓ | ✓ | ✓ | ✓ | ✓ | 25% | ✓ | ✓ | ✓ | ✓ |
| Farm Vehicle | 10% | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ||
| Fast 5 | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| Federal Employee | ✓ | ✓ | 12% | 10% | ✓ | ✓ | ✓ | ✓ | ||
| Forward Collision Warning | ✓ | ✓ | ✓ | ✓ | 5% | ✓ | ✓ | ✓ | ✓ | |
| Full Payment | 10% | ✓ | ✓ | $50 | ✓ | ✓ | ✓ | 8% | ✓ | |
| Further Education | ✓ | ✓ | 10% | 15% | ✓ | ✓ | ||||
| Garaging/Storing | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | 90% | ||
| Good Credit | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ||||
| Good Student | 20% | ✓ | 15% | 23% | 10% | ✓ | 25% | 8% | 3% | |
| Green Vehicle | 10% | ✓ | 5% | ✓ | 10% | ✓ | ✓ | ✓ | 10% | ✓ |
| Homeowner | ✓ | ✓ | ✓ | ✓ | 5% | ✓ | 3% | 5% | ✓ | |
| Lane Departure Warning | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | |
| Life Insurance | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| Low Mileage | ✓ | ✓ | ✓ | 30% | ||||||
| Loyalty | ✓ | ✓ | ✓ | ✓ | ✓ | 5% | ✓ | ✓ | ✓ | |
| Married | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ||||
| Membership/Group | ✓ | ✓ | ✓ | 10% | 7% | ✓ | ✓ | |||
| Military | ✓ | ✓ | 15% | 4% | ✓ | ✓ | ||||
| Military Garaging | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | 15% |
| Multiple Drivers | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| Multiple Policies | 10% | 29% | ✓ | 10% | 20% | 10% | 12% | 17% | 13% | |
| Multiple Vehicles | ✓ | ✓ | 25% | 10% | 20% | 10% | 20% | 8% | ||
| New Address | ✓ | ✓ | ✓ | ✓ | 5% | ✓ | ✓ | ✓ | ✓ | ✓ |
| New Customer/New Plan | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | |
| New Graduate | ✓ | ✓ | ✓ | ✓ | 5% | ✓ | ✓ | ✓ | ✓ | ✓ |
| New Vehicle | 30% | ✓ | ✓ | 15% | ✓ | 40% | 10% | 12% | ||
| Newly Licensed | ✓ | ✓ | ✓ | ✓ | 5% | ✓ | ✓ | ✓ | ✓ | ✓ |
| Newlyweds | ✓ | ✓ | ✓ | ✓ | 5% | ✓ | ✓ | ✓ | ✓ | ✓ |
| Non-Smoker/Non-Drinker | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| Occasional Operator | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | |
| Occupation | ✓ | 10% | 15% | ✓ | ✓ | ✓ | ||||
| On-Time Payments | 5% | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | 15% | ✓ | |
| Online Shopper | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | 7% | ✓ | ✓ | ✓ |
| Paperless Documents | 10% | ✓ | ✓ | ✓ | 5% | $50 | ✓ | ✓ | ✓ | |
| Paperless/Auto Billing | 5% | ✓ | ✓ | ✓ | $30 | ✓ | $20 | 3% | 3% | |
| Passive Restraint | 30% | 30% | 40% | 20% | ✓ | 40% | ||||
| Recent Retirees | ✓ | ✓ | ✓ | ✓ | 4% | ✓ | ✓ | ✓ | ✓ | ✓ |
| Renter | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| Roadside Assistance | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| Safe Driver | 45% | ✓ | 15% | ✓ | 35% | 31% | 15% | 23% | 12% | |
| Seat Belt Use | ✓ | ✓ | ✓ | 15% | ✓ | ✓ | ✓ | ✓ | ✓ | |
| Senior Driver | 10% | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ||
| Stable Residence | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | |
| Students & Alumni | ✓ | ✓ | ✓ | 10% | 7% | ✓ | ✓ | ✓ | ||
| Switching Provider | ✓ | ✓ | 10% | ✓ | ✓ | ✓ | ✓ | |||
| Utility Vehicle | 15% | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ||
| Vehicle Recovery | 10% | ✓ | ✓ | 15% | 35% | 25% | ✓ | 5% | ||
| VIN Etching | ✓ | ✓ | ✓ | ✓ | 5% | ✓ | ✓ | |||
| Volunteer | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| Young Driver | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | $75 |
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.
Importance of Having Auto Insurance for Healthcare Workers
Auto insurance is important for healthcare professionals, given that their tight schedules and high-pressure positions raise the risks of accidents. The right cover provides financial peace and security of mind.
When looking for coverage, guides on how to buy auto insurance help simplify the process. Many providers also provide a medical worker discount, allowing healthcare professionals to ensure lower premiums and tailored plans that fit their needs.
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:
Frequently Asked Questions
How can car insurance discounts for nurses benefit them on 6-month rates?
Car insurance nurse discounts help reduce premiums, significantly lowering nurses’ 6-month rates. Nurses can enjoy more affordable payments throughout the policy term by applying these discounts.
How can doctors maximize savings through car insurance for doctors with specialized coverage plans?
You can maximize savings by having auto insurance for doctors with coverage plans personalized to their profession. These plans have medical professional discounts, helping reduce premiums.
Discover the most budget-friendly car insurance quotes for Healthcare workers by entering your ZIP code below.
What types of car insurance discounts for healthcare workers provide the most savings on high-mileage vehicles?
For healthcare professionals who drive high-mileage cars, discounts such as a multi-policy or safe driver discount give the most significant discounts. Cheap car insurance for healthcare workers with discounts reduces costs even when driving is done frequently.
Still, one must look into the question: Is there an insurance mileage limit? Some policies have restrictions that might impact those who drive extensively.
What should healthcare workers prioritize when selecting car insurance for healthcare workers to match their budget?
Healthcare workers should prioritize looking for policies that provide relevant discounts, such as healthcare worker-specific discounts and coverage that suits their budget. Comparing different car insurance discounts for healthcare workers will guarantee affordable choices.
How can nurses in Ohio access cheap auto insurance for nurses while maintaining comprehensive coverage?
Nurses in Ohio can access cheap auto insurance by comparing providers that offer discounts on specific car insurance for nurses in Ohio and choosing comprehensive coverage with bundling options. Using the nurse discount for car insurance helps reduce premiums while maintaining necessary coverage.
What is the process for applying the Geico healthcare worker discount to an existing policy?
To apply the Geico nurse discount to an existing policy, nurses must contact Geico’s client service and show proof of employment. Once verified, the discount and other possible auto insurance discounts will help reduce future premiums, ensuring cheap car insurance for healthcare workers.
What are the requirements to qualify for a car insurance discount for nurses when switching providers?
To qualify for a nurse auto insurance discount, nurses must provide proof of healthcare employment and have a good driving record. Submitting verification of employment when switching providers can also activate the Geico nurse discount or similar offers.
How do car insurance policies for healthcare professionals cater to frequent long-distance commutes?
Car insurance for medical professionals typically offers discounts for long-distance commutes, rewarding safer driving habits. These policies recognize professional status, leading to lower long-distance driving rates.
How do car insurance quotes for nurses vary depending on their location and risk factors?
Car insurance quotes for nurses change based on location and risk factors like driving history and local traffic conditions. Nurses in higher-risk locations may have higher premiums, but using an auto insurance calculator can help estimate costs accurately. Applying a nurse discount for car insurance or exploring nurse auto insurance options can help lessen costs and provide cheap car insurance for healthcare workers.
Can health insurance discounts for healthcare workers be bundled with auto insurance to increase savings?
Healthcare workers’ car insurance discounts can be packaged with health insurance to maximize savings. Packaging several policies with the same company can mean more discounts and lower overall costs.
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Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
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