Best Car Insurance for Nurses (2024)
Farmers, Liberty Mutual, and Travelers are just a few companies that offer car insurance discounts for nurses through affinity group programs.
Excellent
)
Written byMiranda Marquit
)
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.
Featured in
){kind=logo}
){kind=small}
){kind=small}
){kind=small}
)
Edited byAshley Cox
)
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
){kind=small}
){kind=small}
){kind=small}
Updated November 21, 2024
Why you can trust Insurify: Comparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our editorial team follows a rigorous set of editorial standards and operates independently from our insurance partners. Learn more.
Advertiser Disclosure
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
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.
Quick Facts
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 |
4.7
Best choiceBased on 757 verified guest reviews and ratings
How drivers feel about Travelers
Drivers appreciate the lowest prices, excellent service, and responsive call centers but dislike the rising premiums and poor claims handling.
AI-generated from the text of verified reviews collected by Insurify
Best For
Numerous discounts
Gap insurance
Rideshare coverage
How drivers feel about Travelers
Drivers appreciate the lowest prices, excellent service, and responsive call centers but dislike the rising premiums and poor claims handling.
AI-generated from the text of verified reviews collected by Insurify
Best For
Numerous discounts
Gap insurance
Rideshare coverage
Reviews (389)
Nancy
November 18, 2024
Verified Review
Checking for Better Rate
Really good.
Jim
November 12, 2024
Verified Review
Typical
They were fair but within a month, they raised their premium by over $50.
Kenneth
November 5, 2024
Verified Review
Excellent
Excellent
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
829NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.94A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
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
Pros
Accident forgiveness available
Offers discount for hybrid and electric cars
A++ (Superior) financial strength rating from AM Best
Cons
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 |
How drivers feel about Progressive
Drivers appreciate the professional service and accident forgiveness but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Competitive rates
Easy buying process
Telematics program
How drivers feel about Progressive
Drivers appreciate the professional service and accident forgiveness but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Competitive rates
Easy buying process
Telematics program
Reviews (5,796)
Elandra
November 20, 2024
Verified Review
I don't even drive 30 miles a month, yet I pay over $200 a month. I have a clean driving record. This company is not good.
I don't even drive 30 miles a month, yet I pay over $200 a month. I have a clean driving record. This company is not good.
Denise
November 20, 2024
Verified Review
Fraudulent Claims Filed
They permitted false claims to be filed, complete with fabricated police report numbers, and treated the client as if the claim was not fraudulently filed.
Steven
November 19, 2024
Verified Review
I'll Stay with Them, No One Can Beat Them!
They are the cheapest I have found!
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
819NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.82A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A+Why we picked this company
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
Pros
Rewards for good drivers
Numerous coverage options and discounts available
Optional coverage for pet injuries
Cons
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 |
4.4
Best choiceBased on 782 verified guest reviews and ratings
How drivers feel about Nationwide
Drivers appreciate the excellent coverage, reliable claims process, and good initial rates but dislike the frequent price increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Usage-based savings
Accident forgiveness
Recreational vehicle coverage
How drivers feel about Nationwide
Drivers appreciate the excellent coverage, reliable claims process, and good initial rates but dislike the frequent price increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Usage-based savings
Accident forgiveness
Recreational vehicle coverage
Reviews (441)
Richard
November 7, 2024
Verified Review
Excellent Company
Nationwide appears to be an excellent company. I have recommended this company to several of my friends. My daughter and her husband have also taken out policies and are very satisfied with this company. Thank you.
Irene
November 4, 2024
Verified Review
Sorry to be leaving you, Nationwide.
I used Nationwide for 32 years. I understand that insurance prices are going up, however, due to my limited income, I can no longer afford to stay with Nationwide.
Sara
November 1, 2024
Verified Review
Very Good!
The customer service is very good. They explain things well and make it easy to understand.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
815NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.64A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A+Why we picked this company
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
Pros
Offers 24/7 roadside assistance coverage add-on
SmartRide (for safe drivers) and SmartMiles (for low-mileage drivers)
Accident forgiveness available
Cons
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 |
3.9
A solid optionBased on 1836 verified guest reviews and ratings
How drivers feel about Farmers
Drivers appreciate the initial affordability but dislike the frequent and significant price increases and poor customer service.
AI-generated from the text of verified reviews collected by Insurify
Best For
Bundling discounts
Minimum coverage
Safe drivers
How drivers feel about Farmers
Drivers appreciate the initial affordability but dislike the frequent and significant price increases and poor customer service.
AI-generated from the text of verified reviews collected by Insurify
Best For
Bundling discounts
Minimum coverage
Safe drivers
Reviews (988)
Gregory
November 12, 2024
Verified Review
Extremely Poor
They've been taking money from me for nine months and then billed me again, even after I provided proof that I never had two cars.
Stanford
November 12, 2024
Verified Review
Fair
The price is too much for me.
James
November 11, 2024
Verified Review
Not a Fan of Farmers Insurance
Farmers Insurance tends to make everything a huge hassle, and they might charge you more if you don't download their app. I wouldn't recommend wasting your time or money with Farmers Insurance.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
815NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.13A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
AWhy we picked this company
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
Pros
Many auto insurance discounts
Robust roadside assistance program
Offers customized equipment coverage add-on
Cons
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 |
4.5
Best choiceBased on 754 verified guest reviews and ratings
How drivers feel about Safeco
Drivers appreciate the polite and helpful customer service and fair pricing but dislike the significant rate increases and difficulty reaching agents.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cash back for being claims free
Optional coverages
Diminishing deductible
How drivers feel about Safeco
Drivers appreciate the polite and helpful customer service and fair pricing but dislike the significant rate increases and difficulty reaching agents.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cash back for being claims free
Optional coverages
Diminishing deductible
Reviews (419)
Sarah
November 10, 2024
Verified Review
Too Expensive
The cost is very high. There is no discount for driving less than 50 miles per week. However, we do appreciate the check for not making a claim.
Bonnie
November 2, 2024
Verified Review
The Price of Car Insurance
I'm not happy that I'm paying over $100 per month. My car is a 2013 model.
Harris
October 31, 2024
Verified Review
Just Fine
We have only used them for a flat tire change and windshield replacement.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
825NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.08A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
AWhy we picked this company
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
Pros
Pays cash back to customers who remain claims-free
Many options for customizing car insurance
Accident forgiveness available
Cons
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.
Find Car Insurance for Nurses
Liability rates start as low as $16 per month
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
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 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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.
Compare Car Insurance Quotes for Nurses
Check quotes from 100+ top insurance companies
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
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.
Related articles
- The 10 Best and Worst Car Insurance Comparison Sites
- No-Down-Payment Car Insurance
- Top 10 Cheapest Car Insurance Companies
- How to Get Cheaper Car Insurance With a Low Income
- Best Cheap Full-Coverage Car Insurance
- 7 of the Best Car Insurance Companies
- Can Your Insurance Company Force You to Total Your Car?
Popular articles
- What Is Gap Insurance for Cars, and Do You Need It?
- How Much Will Insurance Pay for My Totaled Car? (Full Guide)
- What Is the Difference Between a Real ID and a Driver’s License?
- Rebuilt Title: What It Is and How It Works
- What Is a Car Insurance Deductible?
- Best Car Insurance Rates and Discounts for Teachers
- What Comprehensive Car Insurance Covers in Texas
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 Insurance Writer
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
)
)
)
)
)