Co-hosts the Money Talks News podcast
MBA from Utah State University
Miranda is a financial writer and avid podcaster with nearly two decades of experience contributing to major outlets, including Forbes, The Hill, and NPR.
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7+ years in content creation and management
5+ years in insurance and personal finance content
Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.
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Updated November 12, 2024
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Table of contents
Shopping for car insurance can feel tedious, but if you’re a nurse, you may be in for some good news. That’s because some auto insurance companies offer discounts to healthcare workers, including nurses.
Here’s what you need to know about car insurance for nurses and how you can save on an auto policy.
Some car insurance companies offer special discounts for medical professionals and people affiliated with certain organizations.
Nationwide, Travelers, and Safeco offer some of the cheapest full-coverage policies for nurses.
Regardless of your chosen career field, comparing quotes from multiple insurers is the best way to find a policy that meets your budget and needs.
Best car insurance companies for nurses
As you begin your search for car insurance, the following companies might be good choices for coverage.
Travelers: Best for financial strength
User Reviews | 4.7 |
---|---|
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.0 /10 |
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $89/mo |
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $191/mo |
Drivers appreciate the lowest prices, excellent service, and responsive call centers but dislike the rising premiums and poor claims handling.
Drivers appreciate the lowest prices, excellent service, and responsive call centers but dislike the rising premiums and poor claims handling.
Jim
November 12, 2024
Typical
Kenneth
November 5, 2024
Excellent
William
November 4, 2024
Good Service but Expensive
Travelers has been around for more than 165 years and is the only property and casualty company included in the Dow Jones Industrial Average. It’s widely available across the country, and AM Best rates it highly for financial strength, indicating that it’s able to pay out claims.
Available discounts for nurses: Affinity programs available for certain memberships; discounts for good drivers, bundling, continuous insurance, homeownership, and having multiple policies
Accident forgiveness available
Offers discount for hybrid and electric cars
A++ (Superior) financial strength rating from AM Best
Rideshare coverage not available in all states
High number of negative customer reviews with the Better Business Bureau
Higher-than-average number of complaints with the National Association of Insurance Commissioners
Progressive: Best for coverage options
JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale. | 819 |
---|---|
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.4 /10 |
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $98/mo |
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $152/mo |
Drivers appreciate the professional service and accident forgiveness but dislike the high prices and frequent rate increases.
Drivers appreciate the professional service and accident forgiveness but dislike the high prices and frequent rate increases.
Lucas
November 12, 2024
Unfair Practices
James
November 12, 2024
JWLEWIS
Deborah
November 11, 2024
Helpful and Worked with Me
Started in 1939, Progressive was one of the first underwriters of non-standard insurance policies. It also offers numerous add-on coverages, including roadside assistance, custom parts and equipment, rideshare, and pet injury coverage.
Available discounts for nurses: Discounts based on loyalty, method of payment, driving behavior, and bundling, as well as for signing up online and going paperless
Rewards for good drivers
Numerous coverage options and discounts available
Optional coverage for pet injuries
Much lower-than-average overall customer satisfaction ranking in J.D. Power’s 2023 U.S. Auto Claims Satisfaction Study
Trustpilot rating of 1.1 stars (out of 5) from more than 1,000 reviews
Rates trend higher than rates from many competitors
Nationwide: Best for safe drivers
User Reviews | 4.4 |
---|---|
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.7 /10 |
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $83/mo |
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $182/mo |
Drivers appreciate the excellent coverage, reliable claims process, and good initial rates but dislike the frequent price increases.
Drivers appreciate the excellent coverage, reliable claims process, and good initial rates but dislike the frequent price increases.
Richard
November 7, 2024
Excellent Company
Irene
November 4, 2024
Sorry to be leaving you, Nationwide.
Sara
November 1, 2024
Very Good!
Available widely, Nationwide was established as Farm Bureau Mutual Automobile Insurance Company in 1926. The company changed its name in 1955 but still works with farm bureaus in some states. Safe drivers can save up to 40% on their premiums through the company’s usage-based insurance program, SmartRide.
Available discounts for nurses: Discounts based on whether you take a good driving course, remain accident-free, or take other safe-driving actions; also possible to get usage-based insurance, meaning you could see a reduction in policy cost if you drive infrequently
Offers 24/7 roadside assistance coverage add-on
SmartRide (for safe drivers) and SmartMiles (for low-mileage drivers)
Accident forgiveness available
Below-average customer satisfaction scores from J.D. Power
Some discounts and programs not available in all states
Not available in every state
Farmers: Best for discounts
User Reviews | 3.9 |
---|---|
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.3 /10 |
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $110/mo |
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $241/mo |
Drivers appreciate the initial affordability but dislike the frequent and significant price increases and poor customer service.
Drivers appreciate the initial affordability but dislike the frequent and significant price increases and poor customer service.
James
November 11, 2024
Not a Fan of Farmers Insurance
Peter
November 7, 2024
Insurance rates are out of control
Suzanne
November 6, 2024
Farmers Too High Priced
Started in 1928, Farmers serves more than 10 million households and offers a variety of insurance products. Policies are available in all 50 states. Nurses can take advantage of several discounts from Farmers, including discounts for going paperless, bundling policies, and being accident-free for five years.
Available discounts for nurses: Professional and military personnel discounts, as well as regular payment, safe driver, and multi-line discounts
Many auto insurance discounts
Robust roadside assistance program
Offers customized equipment coverage add-on
Lower customer satisfaction scores from J.D. Power
Tends to have higher premiums than some competitorsNot available in every state
Safeco: Best for low rates
User Reviews | 4.5 |
---|---|
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.3 /10 |
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $82/mo |
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $143/mo |
Drivers appreciate the polite and helpful customer service and fair pricing but dislike the significant rate increases and difficulty reaching agents.
Drivers appreciate the polite and helpful customer service and fair pricing but dislike the significant rate increases and difficulty reaching agents.
Sarah
November 10, 2024
Too Expensive
Bonnie
November 2, 2024
The Price of Car Insurance
Harris
October 31, 2024
Just Fine
Safeco, a Liberty Mutual company, offers some of the cheapest liability rates in the U.S., Insurify data shows. And Safeco includes coverages in its standard policies that are normally add-ons with most other insurers, such as accident forgiveness.
Available discounts for nurses: Safe driver, accident-free, vehicle safety features, multi-policy
Pays cash back to customers who remain claims-free
Many options for customizing car insurance
Accident forgiveness available
May not be the cheapest option for drivers with infractions on their records
Customer reviews indicate room for improvement in customer service
Higher-than-average number of complaints with the National Association of Insurance Commissioners
To choose the best car insurance companies for nurses, we compared insurers’ rates, relevant discounts, nationwide availability, and our Insurify Quality (IQ) Scores, which measure overall company health and customer satisfaction. The companies we selected offer relatively low rates compared to competitors and provide relevant discounts, such as affinity group, loyalty, and multi-policy discounts.
Car insurance discounts for nurses
You may be able to get certain car insurance discounts if you’re a nurse, including:
Occupation discounts: Some insurance companies offer an occupational discount for healthcare workers, such as nurses. Ask your insurance company if it offers this type of discount.
Professional organization discounts: Some professional organizations offer auto insurance discounts to members. If you’re a nurse belonging to a national nurses’ association or another professional organization, you might qualify for a discount on your auto insurance policy. Check with the American Nurses Association and other organizations to see if you can get a professional discount.
Bundling discounts: You can also get car insurance savings by bundling your policy with another type of insurance policy. For example, getting home insurance or life insurance from the same company can result in a lower overall premium.
Safe driving discounts: Many insurers offer discounts to people who go accident-free or don’t file any claims for a certain period of time.
Vehicle safety feature discounts: If you have safety features in your vehicle, like anti-theft devices or anti-lock brakes, you might be able to get a discount.
Average cost of car insurance for nurses
The national monthly average for full-coverage car insurance is $204, and liability-only coverage is $104, according to Insurify data.
Nurses who belong to certain professional organizations or qualify for discounts could pay lower car insurance rates than the nationwide averages. But many factors affect the price you pay for coverage, including your age, ZIP code, car, and coverage levels.
Average cost of car insurance for nurses by company
When looking for the best car insurance coverage, it helps to compare different companies. The table below shows full-coverage and liability-only quotes from top insurance companies. The rate you pay could be higher or lower depending on your unique driver profile.
Insurance Company ▲▼ | Liability Only ▲▼ | Full Coverage ▲▼ | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. ▲▼ |
---|---|---|---|
State Auto | $116 | $226 | 8.5 |
National General | $122 | $208 | 6.8 |
Safeco | $127 | $197 | 8.3 |
Travelers | $147 | $181 | 9.0 |
Direct Auto | $179 | $220 | 7.3 |
Liberty Mutual | $220 | $277 | 7.7 |
Nationwide | $230 | $178 | 8.7 |
The General | $239 | $337 | 7.3 |
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Average cost of car insurance for nurses by state
The table below shows average car insurance costs for liability and full coverage by state. These rates aren’t specific to nurses, but they could give you an idea of what you might pay depending on where you live.
State ▲▼ | Average Quote: Liability Only ▲▼ | Average Quote: Full Coverage ▲▼ |
---|---|---|
Alabama | $60 | $143 |
Arizona | $92 | $180 |
Arkansas | $121 | $261 |
California | $140 | $283 |
Colorado | $95 | $221 |
Connecticut | $226 | $379 |
Delaware | $150 | $209 |
Florida | $157 | $248 |
Georgia | $152 | $244 |
Hawaii | $74 | $144 |
Idaho | $69 | $132 |
Illinois | $79 | $176 |
Indiana | $72 | $144 |
Iowa | $57 | $131 |
Kansas | $79 | $170 |
Kentucky | $171 | $283 |
Louisiana | $133 | $247 |
Maine | $86 | $155 |
Maryland | $204 | $342 |
Massachusetts | $117 | $231 |
Michigan | $172 | $299 |
Minnesota | $104 | $201 |
Mississippi | $91 | $219 |
Missouri | $99 | $210 |
Montana | $79 | $162 |
Nebraska | $93 | $205 |
Nevada | $185 | $306 |
New Hampshire | $63 | $127 |
New Jersey | $124 | $215 |
New Mexico | $69 | $170 |
New York | $311 | $407 |
North Carolina | $55 | $95 |
North Dakota | $85 | $153 |
Ohio | $73 | $131 |
Oklahoma | $86 | $180 |
Oregon | $100 | $166 |
Pennsylvania | $93 | $173 |
Rhode Island | $83 | $173 |
South Carolina | $169 | $279 |
South Dakota | $63 | $147 |
Tennessee | $73 | $160 |
Texas | $120 | $241 |
Utah | $108 | $183 |
Vermont | $68 | $154 |
Virginia | $101 | $184 |
Washington | $76 | $153 |
Washington, D.C. | $107 | $188 |
West Virginia | $76 | $153 |
Wisconsin | $64 | $143 |
Wyoming | $64 | $151 |
Factors that affect car insurance costs for nurses
Insurers commonly consider these factors when setting car insurance rates:[1]
Driving history
Your insurance company may consider you as higher risk and charge you a higher premium if you were involved in an accident — especially if you were found at fault.
Where you live
The community where you live might also affect the cost of your insurance. For example, auto insurance coverage in a ZIP code with a higher rate of car break-ins might be more expensive than in an area with a lower rate of crime.
How often you drive
Your insurance company may consider you to have a higher risk of getting in an accident if you drive an above-average number of miles per year, like if you’re a traveling nurse who logs a lot of miles for your job.
Credit history
Depending on the state you live in, your insurance company may consider your credit history when setting your auto rates.[2] Some states don’t allow insurance companies to consider your credit history when setting rates. But in states where the practice is legal, a higher credit score may result in a lower insurance premium.
Safety features
Your insurance company may offer lower auto rates if your car features telematics devices designed to monitor your driving or ensure you can track down your car if someone steals it.
How nurses can save money on car insurance
In addition to nurse-specific discounts, you have multiple other ways to save money on your car insurance costs. Here are some different ways to get discounts:[3]
Ask about standard discounts. Many insurance companies offer standard discounts if you have multiple cars, bundle other types of insurance, or use paperless billing.
Consider telematics. If you’re willing to use in-car tracking devices to monitor your driving, you could get a discount based on the results.
Maintain a good driving record. One of the best ways to see insurance savings is through a good driving record. Avoid tickets and accidents, and you’ll get a better rate.
Compare car insurance quotes. Don’t forget to compare quotes from three to five companies to get the best rate. Shop around regularly to make sure you’re still getting a good deal.
Car insurance for nurses FAQs
If you’re looking for car insurance as a registered nurse, you might be able to get special discounts. Here’s what you need to know about getting a lower auto rate.
What professional organizations offer car insurance discounts for nurses?
Some professional organizations that offer car insurance discounts for nurses include the American Nurses Association; the Association of Women’s Health, Obstetric and Neonatal Nurses; and the American Society of Registered Nurses.
If you belong to a nursing organization, check if it offers its members a partnership with an insurance company to give nurses a discount.
What car insurance companies offer discounts for nurses?
GEICO, Farmers, Nationwide, and Travelers are some insurers offering discounts for nurses. Check if your company offers an occupation-based discount for nurses.
Which company has the cheapest car insurance for nurses?
In general, Safeco, USAA, and State Farm have some of the cheapest car insurance for nurses. While being a nurse can get you savings on car insurance, each insurer has different discounts, so ask your insurance company which ones are available.
Which state has the cheapest auto insurance rates for nurses?
While different factors are involved, some states have lower rates for nurses. Ohio and Illinois have some of the cheapest rates for liability-only and full-coverage car insurance.
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Sources
- Insurance Information Institute. "What determines the price of an auto insurance policy?."
- National Association of Insurance Commissioners. "Credit-Based Insurance Scores."
- Insurance Information Institute. "Nine ways to lower your auto insurance costs."
Miranda Marquit, MBA, is a freelance financial writer covering various markets and topics since 2006. She has contributed to numerous media outlets, including Forbes, TIME, The Hill, NPR, HuffPost, Yahoo! Money, and more. Her work has been syndicated by MSN Money, Marketwatch, Credit.com, and other publications. She has written about insurance topics for Clearsurance, HealthCare.com, and various other websites. She is also an avid podcaster and co-hosts the Money Talks News podcast. Miranda has a Master’s Degree in Journalism from Syracuse University. Connect with her on LinkedIn.
7+ years in content creation and management
5+ years in insurance and personal finance content
Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.
Featured in