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Best Car Insurance for Medical Professionals (2022) - Insurify

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Jennifer Pendell

By: Jennifer Pendell

Edited by Jackie Cohen | Reviewed by licensed insurance agent, Stephen DeFord

Last Updated June 15, 2022

Why you can trust Insurify

Insurify partners with top insurance companies and is a licensed agent in all 50 states. However, the insurance experts writing our content operate independently of our partners. Check out reviews from over 3,000 satisfied customers, how we make money, our data methodology, and our editorial standards.

As a healthcare professional, you work so hard to keep people healthy. Isn’t it time your auto insurance rates reflected how much you give to others? Some insurance providers take education level and occupation into account when they’re offering car insurance quotes, which is great news for the roughly 8.6 million healthcare practitioners and technicians in the U.S.

Registered nurses, doctors, and other healthcare workers often qualify for auto insurance discounts based on their professions, level of education, and membership in professional organizations. Insurify can help identify the best car insurance by making it easy to compare car insurance rates.

Quick Facts

  • Medical professionals pay an average of $204 per month for car insurance.
  • You may qualify for special discounts based on your profession.
  • The cheapest insurance we found for medical professionals is from Metromile, at $99 per month.

Cheapest Car Insurance for Medical Professionals

How can medical professionals save on car insurance?

Some auto insurance companies offer nurses and other medical professionals discounts on their policies.

As anyone who’s ever shopped for insurance coverage knows, the cost of an insurance policy varies quite a bit between different auto insurance companies, even if the policies are very similar. We gathered quotes for car insurance coverage from dozens of insurance companies and found these average rates.

Insurance CompanyAverage Monthly Quote
Metromile$99
Farmers$105
Kemper$134
Amigo USA$145
Travelers$151
National General$175
Progressive$177
Safeco$177
AssuranceAmerica$178
SafeAuto$181
Nationwide$185
Mercury$216
Bristol West$232
Commonwealth Casualty$238
Liberty Mutual$247
Dairyland$251
Freedom National$257
The General$278
Infinity$316
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

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How much does car insurance cost for medical professionals?

Our database at Insurify shows an average monthly car insurance premium of $204 per month for medical professionals. But insurance premiums vary between companies. Your driving record, credit score, and coverage options will all affect your auto insurance quotes.

Best Medical Professional Car Insurance Discounts

Because of the job you have, you may qualify for specific discounts that are targeted at medical professionals. Many organizations, like the AAHAM, AHAP, HCAA, and ANA, have partnerships with insurance companies that allow members to benefit from group insurance rates. Ask what insurance company your association is affiliated with, and see if you qualify for lower rates.

Being a healthcare professional also tends to correlate with other discounts. As a lower-risk driver, you may qualify for discounts for safe drivers and other driver discounts that are based on driving habits. Keep your credit score high to qualify for discounts based on having good credit.

See More: Cheap Car Insurance

Cheapest States for Medical Professional Car Insurance

The insurance industry charges widely different prices for a car insurance policy depending on where you live. Your ZIP code can mean a higher risk of theft, vandalism, and other factors that impact the cost of an auto insurance policy. We found these average rates in each state.

StateAverage Monthly Quote
Hawaii$108
North Dakota$123
Maine$131
New Hampshire$131
North Carolina$132
Alaska$133
Indiana$141
Ohio$148
Wyoming$148
Vermont$155
Idaho$158
Illinois$158
Tennessee$159
Montana$162
Wisconsin$162
New Mexico$165
Nebraska$166
Pennsylvania$170
South Dakota$170
Minnesota$175
Massachusetts$177
Oregon$179
Kansas$182
Oklahoma$182
Iowa$184
Utah$187
Alabama$189
Arizona$191
Virginia$192
Washington, D.C.$199
Mississippi$200
Arkansas$202
California$212
Washington$213
Colorado$216
West Virginia$217
Missouri$224
New Jersey$229
Texas$240
Connecticut$244
Florida$262
Kentucky$262
South Carolina$275
Maryland$279
Georgia$282
Nevada$295
New York$301
Delaware$304
Rhode Island$321
Louisiana$322
Michigan$425
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Tips for Cheaper Car Insurance for Medical Professionals

You’ve already put so much work into becoming a healthcare professional. Now it’s time to use that big brain to get the best rates on car insurance. Here are a few ways you can do that.

Bundle Multiple Policies

Nearly all car insurance companies, including large insurers like GEICO, Allstate, and USAA, offer discounts for multi-policy bundling. Policyholders can combine car insurance with homeowners insurance, renters insurance, life insurance, and more to get cheaper rates on all policies that are bundled with the same company.

Be Smart with Coverage Choices

Cars depreciate, and if you have an older car worth less than $4,000, you may not need the full-coverage car insurance that you might want for a newer vehicle. Older vehicles may be fine with just liability insurance, though you should consider higher limits than the minimum your state requires. You also might still want uninsured motorist property damage coverage.

Choose a Higher Deductible

A higher deductible shifts some of the risk off the insurance company and onto you. You’ll owe more if you get into an accident, but in the meantime, you’ll usually enjoy lower premiums.

Shop Around for Car Insurance

Comparison-shopping is the best way to find affordable car insurance. Get the free car insurance quotes you need to make the right decision with Insurify.

See More: Best Car Insurance Companies

The Best Way to Compare and Get Cheaper Car Insurance

Working in healthcare keeps you busy. You need a comparison tool that works as hard as you do. Use Insurify to compare quotes from the top car insurance companies in the country. Save time and money when you compare quotes and pick a policy all in one place.

Frequently Asked Questions

  • Farmers has special discounts for medical professionals. Other companies may have discounts based on your membership in professional organizations, which includes many affinity groups for healthcare workers.

  • Looking for discounts helps minimize cost. Sometimes, insurance companies don’t list all of their discounts online, so if you don’t see medical professional discounts listed, ask an insurance agent. Safe driving is another good way to keep your premiums low.

  • Compare quotes for car insurance with Insurify, which makes the research process easy and painless.

Compare Car Insurance Quotes Instantly

  • Personalized quotes in 5 minutes or less
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  • The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

    Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

    With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.

Jennifer Pendell
Jennifer Pendell

Insurance Writer

Jennifer Pendell is a personal finance expert. She specializes in breaking down dense subjects to make them easier for consumers to understand, with a particular interest in homeowners, renters, and auto insurance concepts. She studied at the University of Iowa.

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