Best Car Insurance for Nurses (2025)

Farmers, Liberty Mutual, and Travelers are just a few companies that offer car insurance discounts for nurses through affinity group programs.

Miranda Marquit
Miranda Marquit Insurance Writer
  • 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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Ashley Cox
Edited byAshley Cox
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Ashley CoxSenior Managing Editor
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  • 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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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.
$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 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.
$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

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.
$86/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.
$181/mo
4.4
Best choiceBased on 833 verified guest reviews and ratings
How drivers feel about Nationwide

Drivers appreciate the helpful and knowledgeable customer service but dislike the frequent and significant rate increases. Some also found the claims process to be slow and frustrating.

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 helpful and knowledgeable customer service but dislike the frequent and significant rate increases. Some also found the claims process to be slow and frustrating.

AI-generated from the text of verified reviews collected by Insurify
Best For
Usage-based savings
Accident forgiveness
Recreational vehicle coverage
Reviews (468)

Randall

March 23, 2025

Verified Review

You can't deal with just one person. The rates keep increasing without any communication or reasoning. Everything changed when my son took over.

You can't deal with just one person. The rates keep increasing without any communication or reasoning. Everything changed when my son took over.

Barbara

March 23, 2025

Verified Review

My experience with Nationwide

Nationwide is not very flexible. The cost has skyrocketed. As a 20 plus year customer with no claims, I'm really disappointed. I am currently shopping for more reasonable rates.

Amanda

March 20, 2025

Verified Review

I have tried for years to bundle my home and car insurance, but they kept redirecting me to other people. They are expensive for additional drivers and extra cars.

I have tried for years to bundle my home and car insurance, but they kept redirecting me to other people. They are expensive for additional drivers and extra cars.
See all Nationwide 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.
0.64
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

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
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

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.
$88/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.
$148/mo
4.5
Best choiceBased on 803 verified guest reviews and ratings
How drivers feel about Safeco

Drivers appreciate the smooth claims process and periodic safe driving checks but dislike the frequent and significant rate increases without clear explanation.

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 smooth claims process and periodic safe driving checks but dislike the frequent and significant rate increases without clear explanation.

AI-generated from the text of verified reviews collected by Insurify
Best For
Cash back for being claims free
Optional coverages
Diminishing deductible
Reviews (451)

Joseph

March 19, 2025

Verified Review

Average

My policy went up five times even though I had no accidents or violations.

John

March 18, 2025

Verified Review

Terrible

They doubled my price even though I haven't had a claim in 25 years.

Jason

March 16, 2025

Verified Review

Great Insurance, But Not for Those on a Budget

It's a great insurance company, it just got too expensive for me.
See all Safeco reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
825
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.08
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

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

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Average cost of car insurance for nurses

The national monthly average for full-coverage car insurance is $197, and liability-only coverage is $105, 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
sort ascsort desc
Liability Only
sort ascsort desc
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
State Auto$116$2268.5
National General$122$2086.8
Safeco$127$1978.3
Travelers$147$1819.0
Direct Auto$179$2207.3
Liberty Mutual$220$2777.7
Nationwide$230$1788.7
The General$239$3377.3
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 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 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
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 costs for nurses

Insurers commonly consider these factors when setting car insurance rates:[1]

  • illustration card https://a.storyblok.com/f/162273/x/64a2fc54c7/good-driver.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/150x150/88d35b55cb/car-and-driving-96x96-gold_026-road.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/x/38dc81ba93/drive-1.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/150x150/6c11a3ce32/money-96x96-orange_021-online-banking.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/x/c1984b0bb9/safety.svg

    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. 

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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.

Sources

  1. Insurance Information Institute. "What determines the price of an auto insurance policy?."
  2. National Association of Insurance Commissioners. "Credit-Based Insurance Scores."
  3. Insurance Information Institute. "Nine ways to lower your auto insurance costs."
Miranda Marquit
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.

Miranda has been a contributor at Insurify since October 2022.

Ashley Cox
Edited byAshley CoxSenior Managing Editor
Headshot of Managing Editor Ashley Cox
Ashley CoxSenior Managing Editor
  • 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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