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Best Car Insurance for Doctors (2025)

Progressive, Farmers, and Liberty Mutual are some of the car insurance companies that offer discounts for doctors.

Sarah Archambault
Written bySarah Archambault
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Sarah Archambault

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Ashley Cox
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Cheapest recent rates

Drivers using Insurify have found quotes as cheap as $36/mo for liability only and $45/mo for full coverage.

*Quotes generated for Insurify users within the last 10 days. Last updated on March 25, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 120+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from March 25, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users within the last 10 days. Last updated on March 25, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 120+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from March 25, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Whether you’re just starting your medical career as a doctor and need affordable car insurance while paying off student loans, or you’re more established and need to protect yourself from financial losses caused by accidents, choosing the right car insurance is important.

Many car insurance companies offer discounts specifically for doctors, which can lower your car insurance rates even more. Here’s what you should know about car insurance discounts for doctors.

Quick Facts

  • Many insurers have affinity programs that provide discounts to members of certain groups.

  • Doctors should consider carrying higher liability limits than the state minimums.

  • You can reduce your car insurance costs by maintaining a clean driving record.

Best car insurance companies for doctors

The best car insurance company for one doctor might not be the best company for another. Insurers use many factors to set rates, including your age, gender, ZIP code, car type, and coverage levels.

If you’re looking for car insurance as a doctor, the companies below are a great place to start your search.

Progressive: Best for optional coverage

Progressive logooptional coverage
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.
$101/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.
$147/mo
How drivers feel about Progressive

Customers appreciate the insurer’s good customer service and initial affordability but dislike the consistent price increases and complex claims process.

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

Customers appreciate the insurer’s good customer service and initial affordability but dislike the consistent price increases and complex claims process.

AI-generated from the text of verified reviews collected by Insurify
Best For
Competitive rates
Easy buying process
Telematics program
Reviews (6,435)

Ray

March 24, 2025

Verified Review

My New Car

It seems expensive, but they have a good reputation for customer service.

Amanda

March 24, 2025

Verified Review

It's Progressive... Run!

It's not good. They raise the insurance every six months when I have to renew. They don't care about you, just their money. I've been with them for a long time and they still charge me more than they should, despite me having a clean record and being single with no other insurance claims.

Larry

March 24, 2025

Verified Review

Horrible. The quote that appeared on your website was not honored. Their quote was almost $500 more. The first representative I spoke to was very nice, but she couldn't explain why it was higher. She transferred me to another department, which still wouldn't tell me why, other than there was something in our records that wasn't covered in the first quote. We haven’t had any tickets or accidents and they won’t disclose why the rate went up from our online quote. When the second representative transferred me back to the original department, I was treated very poorly by a male representative - he was very rude. We are platinum Progressive customers but we are considering changing that. Your site definitely did not simplify my search. My husband has always handled this.

Horrible. The quote that appeared on your website was not honored. Their quote was almost $500 more. The first representative I spoke to was very nice, but she couldn't explain why it was higher. She transferred me to another department, which still wouldn't tell me why, other than there was something in our records that wasn't covered in the first quote. We haven’t had any tickets or accidents and they won’t disclose why the rate went up from our online quote. When the second representative transferred me back to the original department, I was treated very poorly by a male representative - he was very rude. We are platinum Progressive customers but we are considering changing that. Your site definitely did not simplify my search. My husband has always handled this.
…
See all Progressive reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
819
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.82
A.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

Progressive is one of the largest insurance companies in the U.S. It offers policies for a wide range of vehicles, including classic cars, boats, motorcycles, and RVs. You can choose from many optional coverages, including roadside assistance, custom parts and equipment, rideshare, and pet injury coverage.

While Progressive doesn’t have specific discounts for doctors, it offers discounts for bundling multiple policies, insuring multiple cars on the same policy, paying your policy premium in full and up front, and opting to receive statements via email.

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

Farmers: Best for discounts

Farmers logodiscounts
User Reviews
4.0
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.
$109/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.
$233/mo
4.0
Best choiceBased on 2,030 verified guest reviews and ratings
How drivers feel about Farmers

Customers appreciate the helpful agents and good initial quotes but dislike the consistent rate increases and lack of senior discounts. Some also reported issues with claim handling and communication.

AI-generated from the text of verified reviews collected by Insurify
Best For
Bundling discounts
Minimum coverage
Safe drivers
How drivers feel about Farmers

Customers appreciate the helpful agents and good initial quotes but dislike the consistent rate increases and lack of senior discounts. Some also reported issues with claim handling and communication.

AI-generated from the text of verified reviews collected by Insurify
Best For
Bundling discounts
Minimum coverage
Safe drivers
Reviews (1,102)

Anna

March 24, 2025

Verified Review

Farmers is great for home insurance

Good

Danilo

March 24, 2025

Verified Review

Greed

The company is only interested in premiums, not in the welfare of the customer.

Faith

March 23, 2025

Verified Review

Good Company for Coverage

The pricing seemed a little high to me.
…
See all Farmers reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
815
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.13
A.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

Farmers is a reputable car insurance company for doctors. It has various affinity discounts, which provide reduced rates for employees and members of certain businesses, occupational groups, and professional associations.

Doctors can also save with more standard discounts, including those for bundling policies, going paperless, and keeping a clean driving record.

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

Liberty Mutual: Best for safe drivers

Liberty Mutual logosafe drivers
User Reviews
3.7
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.
7.7 /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.
$171/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.
$248/mo
3.7
A solid optionBased on 2,838 verified guest reviews and ratings
How drivers feel about Liberty Mutual

Drivers appreciate the ease of making payments and the company’s helpful customer service. But they dislike the frequent and unexplained rate increases, and some report difficulties in communication and claim handling.

AI-generated from the text of verified reviews collected by Insurify
Best For
Numerous discounts
New and financed vehicles
Accident forgiveness
How drivers feel about Liberty Mutual

Drivers appreciate the ease of making payments and the company’s helpful customer service. But they dislike the frequent and unexplained rate increases, and some report difficulties in communication and claim handling.

AI-generated from the text of verified reviews collected by Insurify
Best For
Numerous discounts
New and financed vehicles
Accident forgiveness
Reviews (1,658)

Mari

March 24, 2025

Verified Review

Not good

The service is poor. They don't offer any loyalty rewards.

Stacie

March 23, 2025

Verified Review

I Like Liberty Mutual, I Just Can't Afford Them

Don't be late making your payments.

Christopher

March 23, 2025

Verified Review

Rates Creep Up Dramatically

It's very pricey, especially after the initial discount.
…
See all Liberty Mutual reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
819
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
3.95
A.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

Liberty Mutual is available nationwide and offers car insurance discounts to members of the American Medical Association. You can also get discounts for owning a home, bundling policies, buying a policy online, and more.

The company also rewards safe driving. You can save up to 30% on your premiums through its RightTrack program.

Pros

  • Wide range of available discounts

  • Accident forgiveness available

  • Available in all 50 states and D.C.

Cons

  • Many negative reviews and customer complaints

  • Premiums are relatively high compared to industry average

  • Low customer satisfaction scores from J.D. Power

Travelers: Best for financial strength

Travelers logofinancial 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.
$92/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.
$190/mo
4.7
Best choiceBased on 837 verified guest reviews and ratings
How drivers feel about Travelers

Customers appreciate the insurer’s communicative customer service and efficient claims process. But they’re dissatisfied with the consistent and sometimes significant price increases, even for those with clean driving records.

AI-generated from the text of verified reviews collected by Insurify
Best For
Numerous discounts
Gap insurance
Rideshare coverage
How drivers feel about Travelers

Customers appreciate the insurer’s communicative customer service and efficient claims process. But they’re dissatisfied with the consistent and sometimes significant price increases, even for those with clean driving records.

AI-generated from the text of verified reviews collected by Insurify
Best For
Numerous discounts
Gap insurance
Rideshare coverage
Reviews (439)

Mary Ann

March 24, 2025

Verified Review

Overall Good

They were good, but they became too expensive after my accident. I found a more reasonable rate with another company.

Larry

March 23, 2025

Verified Review

Good Company

While their rates continue to rise, they are still more affordable than any other company. Fortunately, I haven't had to file a claim yet.

Arlette

March 22, 2025

Verified Review

Good

The insurance is good but it's too pricey.
…
See all Travelers reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
829
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.94
A.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 offers affinity group programs for members of credit unions, professional associations, customers of certain banks, and employees of certain businesses. You can find out whether you qualify by calling to get a quote or asking your employer or professional association whether it participates in any affinity programs.

AM Best gives Travelers an A++ (Superior) financial strength rating, indicating a solid ability to pay claims.

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

Plymouth Rock: Best for personalized service

Plymouth Rock logopersonalized service
User Reviews
3.7
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.
NR
3.7
A solid optionBased on 234 verified guest reviews and ratings
How drivers feel about Plymouth Rock

Drivers appreciate the competitive rates and efficient customer service but dislike the frequent rate increases and the mandatory tracking app.

AI-generated from the text of verified reviews collected by Insurify
Best For
Unique loyalty rewards
Group discount programs
Competitive pricing
How drivers feel about Plymouth Rock

Drivers appreciate the competitive rates and efficient customer service but dislike the frequent rate increases and the mandatory tracking app.

AI-generated from the text of verified reviews collected by Insurify
Best For
Unique loyalty rewards
Group discount programs
Competitive pricing
Reviews (119)

Yvonne

March 23, 2025

Verified Review

Unsatisfactory Experience

I wouldn't recommend this company. They increased my payments by over 40 dollars despite having no tickets or accidents in my life. When I called to address this, they didn't provide any assistance.

George

March 19, 2025

Verified Review

You Can Find the Same Insurance Cheaper

Okay.

Margaret

March 8, 2025

Verified Review

Inconsistent Pricing

They're not reliable. They quote you one price, but when you actually start the policy, you end up paying a lot more for your car insurance. For instance, I was initially paying $240, but they increased it to $420.
…
See all Plymouth Rock reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
812
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
NR
A.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).
NR
Why we picked this company

Plymouth Rock offers competitive rates for doctors and a variety of discount programs. While discounts vary by state, it offers discounts for nurses, dental hygienists, alumni of certain universities, and other professional associations.

The insurer operates in only six states — Connecticut, Massachusetts, New Hampshire, New Jersey, New York, and Pennsylvania — but it has local independent agents who can help you customize a policy to meet your needs.

  • To choose the best car insurance companies for doctors, 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 doctors

Farmers, Liberty Mutual, Progressive, and Travelers are a few companies that offer car insurance discounts to doctors and medical professionals. Discounts vary by insurer, but here are some common ones you might be able to take advantage of:

  • Professional organization discounts: Some professional organizations offer auto insurance discounts to members. If you belong to a national doctors’ association or another professional organization, you might qualify for a discount on your auto insurance policy. Check with the American Medical Association (AMA) and other organizations to see if you can get a professional discount.

  • Occupation discounts: Some insurers offer special discounts for people in certain professions, including healthcare. For example, the AMA partners with Liberty Mutual to offer discounted auto and home insurance rates to member physicians.[1]

  • 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.

  • 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.

  • 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.

Find Car Insurance for Doctors

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Average cost of car insurance for doctors

The national monthly average for full-coverage car insurance is $197, and liability-only coverage is $105, according to Insurify data.

Doctors 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’ll pay for coverage, including your age, ZIP code, car, and coverage levels.

Average cost of car insurance for doctors 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 as a doctor could be higher or lower depending on your unique driver profile.

The below rates are estimated rates current as of: Thursday, March 13 at 12:00 PM PDT. 
Insurance Company
sort ascsort desc
Average Quote: Liability Only
sort ascsort desc
Average Quote: Full Coverage
sort ascsort desc
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.
sort ascsort desc
COUNTRY Financial$16$368.8
NJM$28$529.4
Auto-Owners$33$698.5
USAA$47$999.4
Erie$50$929.0
GEICO$55$1179.0
State Farm$55$1189.3
Mile Auto$55$907.5
Metromile$61$1117.0
Allstate$62$1318.9
Root$64$1138.4
American Family$71$1549.1
CSAA$82$1267.6
Nationwide$86$1818.7
Mercury$87$1628.0
Safeco$88$1488.3
Travelers$92$1909.0
The Hartford$93$1678.4
Direct Auto$95$1817.3
Dairyland$95$2547.0
National General$97$1816.8
Progressive$101$1478.4
Commonwealth Casualty$103$2715.5
State Auto$104$2098.5
The General$108$2127.3
Farmers$109$2338.3
21st Century$113$2305.9
Clearcover$113$1856.8
Shelter$114$2107.7
Chubb$114$2306.5
Bristol West$114$2415.2
Foremost$118$2747.4
GAINSCO$125$2797.3
Elephant$132$2008.3
Amica$150$2748.3
AssuranceAmerica$152$2695.3
Liberty Mutual$171$2487.7
Infinity$172$2460.0
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 55,000 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 doctors by state

The table below shows average car insurance costs for liability and full coverage by state. These rates aren’t specific to doctors, but they could give you an idea of what you might pay depending on where you live.

State
sort ascsort desc
Average Quote: Liability Only
sort ascsort desc
Average Quote: Full Coverage
sort ascsort desc
Alabama$59$139
Arizona$92$172
Arkansas$121$252
California$106$242
Colorado$100$217
Connecticut$214$343
Delaware$160$235
Florida$150$230
Georgia$155$245
Hawaii$73$139
Idaho$68$126
Illinois$81$168
Indiana$73$141
Iowa$56$121
Kansas$81$162
Kentucky$130$216
Louisiana$118$219
Maine$82$149
Maryland$209$335
Massachusetts$104$177
Michigan$171$280
Minnesota$103$192
Mississippi$91$204
Missouri$96$190
Montana$76$163
Nebraska$84$175
Nevada$174$280
New Hampshire$59$113
New Jersey$141$169
New Mexico$69$158
New York$344$455
North Carolina$58$93
North Dakota $80$136
Ohio$72$127
Oklahoma$84$175
Oregon$97$157
Pennsylvania$95$169
Rhode Island $87$145
South Carolina$169$262
South Dakota$56$128
Tennessee$72$147
Texas$121$233
Utah$110$179
Vermont $67$148
Virginia$109$188
Washington$80$154
Washington, D.C.$226$330
West Virginia$79$152
Wisconsin$66$132
Wyoming$55$118
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 for doctors

The cost of car insurance for doctors can vary greatly depending on factors such as driver history, age, credit, and more.[2] By understanding these factors and shopping around for quotes from different insurers, you can find an affordable policy that meets your needs.

  • Driving record: Insurance companies consider driving records when setting rates. People with more violations or accidents often pay higher rates than people with clean driving records.

  • Type of vehicle: The type of car you insure affects your rates because insurance companies consider the cost of repairs and how much it would cost to replace the vehicle if it’s totaled.

  • Location: Where you live and park your car at night affects your rate because insurance companies consider risks associated with your ZIP code. Areas with higher rates of car accidents, vandalism, and theft typically have higher insurance premiums.

  • Age: As a general rule, drivers younger than 25 typically pay higher rates than older drivers. Insurers consider them higher-risk because they have less experience behind the wheel and often engage in more risky behaviors, such as excessive speeding or texting and driving.

  • Gender: While many states have outlawed gender-based pricing (also known as gender rating), some insurers still charge higher premiums to certain genders based on the perceived risk associated with each. On average, women pay lower rates than men due to their safer driving habits.

  • Miles driven per year: The more miles you put on your car in a year, the higher your chances are of being involved in an accident, which can lead to higher premiums.

  • Credit: Many insurers consider your credit history to help determine your risk profile and set their rates accordingly. Drivers with better credit scores typically qualify for lower rates than drivers with lower scores.

  • Discounts: Common discounts include having multiple policies with the same insurer, installing a car alarm, and safe driving.

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Types of car insurance for doctors

Car insurance for doctors typically includes the same coverage as any standard auto policy:

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    Liability coverage

    Liability insurance covers bodily injury and property damage you cause with your vehicle. Every state except New Hampshire has mandated minimum liability limits you must carry. But Scott Hammersand, a personal lines risk advisor with Overmyer Hall Associates in Columbus, Ohio, recommends doctors carry higher limits than the state-mandated minimums due to their assets and earning potential.

    “Not only should doctors consider limits far higher than the state minimum limits, but they should be considering an umbrella policy that extends the coverage several million more,” Hammersand says.

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

    Comprehensive insurance offers protection against non-accident damages, such as theft, vandalism, fire, hail, or natural disasters.

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    Collision coverage

    Collision insurance pays for damages to your vehicle in the event of a collision with another car or object, like a tree or fence.

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    Uninsured/underinsured motorist coverage

    Uninsured/underinsured motorist coverage pays for your vehicle repairs and medical bills if you’re involved in an accident with someone who doesn’t have enough insurance or any insurance at all.

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    Personal injury protection (PIP) coverage

    Personal injury protection helps pay for your medical expenses, lost wages, funeral costs, and other damages after a car accident, regardless of who’s at fault.[3]

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    Gap coverage

    Gap insurance is an optional coverage that helps cover the difference between the amount you owe on your car loan and the actual cash value of your vehicle if it’s totaled in an accident or someone steals it.[4]

How doctors can save money on car insurance costs

You can lower your car insurance premiums as a doctor in several ways, including:[5]

  • Practice safe driving habits. Insurance companies usually offer lower rates to people with no tickets or accidents on their records. Practice safe driving habits, such as obeying speed limits and defensive driving.

  • Bundle policies. Many insurance companies offer discounts when you purchase multiple policies with them. Consider bundling your auto and home insurance with the same company for a discount.

  • Take a higher deductible. A car insurance deductible is the amount you must pay out of pocket before your insurer pays for any damages resulting from an accident or covered claim. The higher the deductible, the lower your monthly premiums, since the insurer won’t have to cover as much of the cost of a claim.

  • Maintain a good credit score. Most insurance companies use a driver’s credit history as a way to measure risk. They see drivers with higher credit scores as likely to file fewer claims, so they typically charge these drivers lower premiums.

  • Participate in a telematics program. Telematics programs require you to install a device in your car to track your driving habits. The device collects data on your speed, braking, and the time of day you drive, which insurers use to determine your risk profile. Drivers who exhibit safe habits may qualify for lower rates.

  • Comparison shop. Different insurers offer different rates for the same coverage, so it pays to compare quotes from various companies before committing to a policy.

Cheapest recent rates

Drivers using Insurify have found quotes as cheap as $36/mo for liability only and $45/mo for full coverage.

*Quotes generated for Insurify users within the last 10 days. Last updated on March 25, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 120+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from March 25, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users within the last 10 days. Last updated on March 25, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 120+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from March 25, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Car insurance for doctors FAQs

To help you find the best coverage at an affordable price, check out this additional information about car insurance for doctors.

  • What’s the average cost of car insurance for doctors?

    Drivers across the U.S. pay monthly averages of $197 for full coverage and $105 for liability coverage, Insurify data shows.

    Doctors 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’ll pay for coverage, including your age, ZIP code, car, and coverage levels.

  • What companies offer car insurance discounts for healthcare workers?

    Farmers, GEICO, Liberty Mutual, and Travelers are some of the companies that offer discounts for medical professionals.

    Many insurers offer special discounts for certain professions, including healthcare workers, or for members of professional associations, such as the American Medical Association. Check with your insurance company to see if you’re eligible for any discounts specifically for doctors.

  • Do doctors get cheaper car insurance?

    It depends. Insurance companies might consider your education level when determining your rates.

    But many factors affect the rates you’ll receive, so comparing quotes from multiple companies is always the best way to find a policy that meets your needs and fits within your budget.

Sources

  1. American Medical Association. "Auto and Home Insurance."
  2. Insurance Information Institute. "What determines the price of an auto insurance policy?."
  3. Insurance Information Institute. "Auto Insurance Basics."
  4. Insurance Information Institute. "What is gap insurance?."
  5. Insurance Information Institute. "Nine ways to lower your auto insurance costs."
Sarah Archambault
Sarah Archambault

Sarah Archambault enjoys helping people figure out how to manage their finances and credit. She covers auto financing, banking, credit cards, credit health, insurance, and personal loans. Her work has been featured on Credit Karma, Experian, LendingClub, Sound Dollar and USA Today Blueprint. She also writes for national insurers, banks and financial institutions like Aetna, MassMutual, Stripe, and UnitedHealthcare. 

Sarah has been a contributor at Insurify since December 2022.

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Ashley Cox
Edited byAshley CoxSenior Managing Editor
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Ashley CoxSenior Managing Editor

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