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.
$90/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 789 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 (411)

Shannon

February 18, 2025

Verified Review

Eh

They doubled my rates after an accident.

Dwynne

February 17, 2025

Verified Review

Very Satisfied Customer

I have been a Traveler customer for many years and I am very satisfied.

Melissa

February 17, 2025

Verified Review

Not Happy

I had an accident and I don't agree with their decision. They did not extend help in any way.
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.
$148/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 (6,051)

Dean

February 18, 2025

Verified Review

Exorbitantly High Premiums

All these insurance companies claim to offer lower rates by hundreds, but in reality, they charge twice as much. They advertise that you can get liability and full coverage for as little as $38.00 per month, which is misleading. They even claim that a customer who was paying $147.00 now pays $38.00 per month for the same insurance. It's exhausting dealing with agents who are more interested in their commission than providing a fair service. I wonder if it's possible to buy insurance directly from a company, bypassing the agents.

Gil

February 18, 2025

Verified Review

Seeking Better Rates for My Two Vehicles

I don't have anything negative to say as I haven't filed a claim or been in an accident to see how the process works. I've been with them for 6 years and prior to that, I was with State Farm, again with no claims. That's why I'm shopping around for better prices. My rates haven't dropped even though I continue to drive safely with no accidents, claims, or DUIs.

Cynthia

February 18, 2025

Verified Review

Bad

Bad. I wasn't informed about how the snapshot worked. I hadn't been driving because I had just started taking insulin while pregnant and was experiencing dizzy spells. I was traveling with a friend (not in my car). Apparently, if you aren't driving, you need to inform Progressive. They mentioned it would be on the app, but there wasn't even an option to state that I wasn't driving. This led to an increase in my insurance by approximately $300 a month.
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.
$85/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 811 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 (457)

James

February 17, 2025

Verified Review

Considering Changing Companies

I like Nationwide, but the auto premiums are too high for me to afford. We have four cars and our home insured with Nationwide, and the cost continues to increase. Other than that, I would highly recommend Nationwide to a friend.

Keith

February 16, 2025

Verified Review

Not Happy with Nationwide Prices!

It's a good company with good coverage, but the prices are incredibly high. I have no claims, a perfect record, and I'm 58 years old. There are no excuses for such high premiums.

Thomas

February 15, 2025

Verified Review

Good Insurance

So far, so good.
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.
$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.
$236/mo
4.0
Best choiceBased on 1,928 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 (1,039)

James

February 19, 2025

Verified Review

Everything is Good

Their rates are great.

Deanna

February 17, 2025

Verified Review

Average

I just compared rates and found some that are one-fifth of what I'm currently paying.

Juan

February 10, 2025

Verified Review

Very Good Insurance

I found that their representatives are very knowledgeable and friendly.
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
4.4
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.
8.3 /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.
$147/mo
4.4
Best choiceBased on 783 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 (438)

Phuong

February 15, 2025

Verified Review

Excellent

Fast services.

Laveryl

February 14, 2025

Verified Review

Good and Bad

I love Safeco Insurance, I just wish it was less costly.

Bonnie

February 6, 2025

Verified Review

Excellent

I have never had to file a claim.
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 $199, 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
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$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
Average Quote: Liability Only
Average Quote: Full Coverage 
Alabama$59$141
Arizona$92$173
Arkansas$121$257
California$113$255
Colorado$98$218
Connecticut$230$372
Delaware$155$224
Florida$153$237
Georgia$154$243
Hawaii$73$139
Idaho$68$129
Illinois$80$170
Indiana$73$141
Iowa$56$124
Kansas$81$162
Kentucky$135$230
Louisiana$123$227
Maine$84$151
Maryland$210$341
Massachusetts$106$187
Michigan$170$292
Minnesota$104$194
Mississippi$91$206
Missouri$97$193
Montana$76$162
Nebraska$87$183
Nevada$178$292
New Hampshire$60$119
New Jersey$134$167
New Mexico$69$162
New York$338$445
North Carolina$57$92
North Dakota $81$141
Ohio$73$128
Oklahoma$84$174
Oregon$97$159
Pennsylvania$94$173
Rhode Island $87$143
South Carolina$168$268
South Dakota$57$129
Tennessee$72$150
Texas$121$236
Utah$109$179
Vermont $66$153
Virginia$106$186
Washington$76$146
Washington, D.C.$210$301
West Virginia$78$152
Wisconsin$66$134
Wyoming$57$125
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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