Best Car Insurance Rates and Discounts for Nurses (2024)

Your role as a nurse could enable you to enjoy better rates and discounts on your car insurance.

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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Chris Schafer
Edited byChris Schafer
Chris Schafer
Chris SchaferSenior Editor
  • 15+ years in content creation

  • 7+ years in business and financial services content

Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.

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Updated July 25, 2024

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Insurify’s drivers have found rates ranging from $19/mo. to $251/mo. in the last few days

*Quotes generated for Insurify users within the last 10 days. Last updated on July 25, 2024

Rates shown are real-time Insurify user quotes from 100+ 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 July 25, 2024. 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 July 25, 2024

Rates shown are real-time Insurify user quotes from 100+ 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 July 25, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

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 like you.

Here’s what you need to know about car insurance for nurses.

Quick Facts
  • Some car insurance companies offer special discounts for medical professionals.

  • 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.

Car insurance discounts for nurses

You may be able to get certain car insurance discounts if you’re a medical professional — especially as a nurse. Discounts include:

  • Occupation discounts: Start by asking the insurer if it has an occupation discount aimed at nurses. Some insurance companies offer this type of occupational discount, so it’s a good idea to ask about it.

  • Bundling discounts: You can also get car insurance savings by bundling your policy with another type of insurance policy. For example, getting home insurance from the same company can result in a lower overall premium. You can also potentially get life insurance from the same company at a 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.

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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/162273/100x100/c922a01b77/house.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/x/abffe6238f/financial-protection.svg

    Credit score

    Depending on the state you live in, your insurance company may consider your credit score when setting your auto rates.[2] Some states don’t allow insurance companies to consider your credit score 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 it’s stolen. 

Average cost of car insurance for nurses

In general, nurses pay a lower price for auto coverage. The national monthly average for full-coverage car insurance is $295, but for nurses that number is $262. For liability-only coverage, the national average is $196, while it’s $183 for nurses.

Average cost of car insurance for nurses by company

When looking for the best coverage, it helps to compare different companies. The table below shows potential quotes for nurses.

Full coverage is likely to cost more. But Farmers offers relatively inexpensive full coverage compared to some companies, such as The General, which charges more than $200 for liability-only coverage.

Insurance CompanyAverage Monthly Quote: Liability OnlyAverage Monthly Quote: Full CoverageIQ 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 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
    • Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
    • Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
    • Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.

Average cost of car insurance for nurses by state

The chart below illustrates insurance rates available in select states.

Florida is one of the most expensive states, with rates even higher than what you might see in California. Ohio and Illinois are some of the cheapest states for auto insurance company quotes.

StateAverage Monthly Quote: Liability OnlyAverage Monthly Quote: Full Coverage
Arizona$181$214
California$183$286
Florida$316$383
Georgia$189$324
Illinois$120$162
New Jersey$224$316
Ohio$102$164
Pennsylvania$101$190
Texas$168$248
Virginia$136$196
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
 Learn More: Minimum Car Insurance Requirements by State

Learn More: Minimum Car Insurance Requirements by State

Recent quotes for other Insurify users

Recent car insurance prices for Drivers using Insurify have found quotes as cheap as $52/mo for liability only and $117/mo for full coverage., and more. Insurify features quotes from 100+ carriers including The General, Dairyland, and Bristol West.

*Quotes generated for Insurify users within the last 10 days. Last updated on July 25, 2024

Rates shown are real-time Insurify user quotes from 100+ 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 July 25, 2024. 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 July 25, 2024

Rates shown are real-time Insurify user quotes from 100+ 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 July 25, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Best car insurance companies for nurses

As you begin your search for car insurance, the following companies might be good choices for coverage.

Travelers

Compare personalized, real-time quotes
User Reviews
3.5
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.
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.
$196/mo

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.

  • Available discounts for nurses: Affinity programs available for certain memberships; discounts for good drivers, bundling, continuous insurance, homeownership, and having multi policies

Pros
  • Accident forgiveness available

  • Robust coverage selections and discount offerings

Cons
  • Rideshare coverage only available in Colorado and Illinois

  • High number of negative customer reviews with the Better Business Bureau

Read more driver reviews of Travelers
Adrienne - July 24, 2024
Verified

Lack of Loyalty from Travelers

It was a horrible experience. We were loyal customers for years and never filed any claims. However, this year, both my husband and I were involved in accidents. It was the first year we actually needed to utilize our insurance benefits, and we were dropped.

Sherran - July 23, 2024
Verified

No worries with Travelers

Good.

Carolyn - July 22, 2024
Verified

High Rates

It's expensive.

Progressive

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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.
$77/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.
$134/mo

Started in 1939, Progressive prides itself on being one of the first underwriters of nonstandard insurance policies. The company aims to provide the right coverage to underserved communities.

  • 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

Cons
  • Higher-than-expected amount of complaints

  • Ranked 11 out of 15 companies in the J.D. Power Customer Satisfaction Index Ranking

Read more driver reviews of Progressive
Vicki - July 25, 2024
Verified

Depression

I've been with them for 10 years, but the rates keep going up. I have liability insurance and it costs $78 a month! I'm on social security and I never drive on the highway. I don't go out of town more than 5 miles a day. I hardly drive at all, just for basic stuff like going to the doctor. That's it. I will try to find a cheaper plan. I just feel that the price is unfair in my situation.

Maureen - July 25, 2024
Verified

Expensive for Seniors Who Drive Less Than 4000 Miles/Year

Too expensive.

Audrie - July 25, 2024
Verified

Insurance Review

I had a good experience.

Nationwide

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User Reviews
3.3
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.
$186/mo

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.

  • 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
  • Numerous discount and savings opportunities

  • SmartRide (for safe drivers) and SmartMiles (for low-mileage drivers)

Cons
  • Not available in every state

  • Some discounts and programs not available in all states

Read more driver reviews of Nationwide
Charles - July 24, 2024
Verified

Average

I don't like the available billing options.

Valerie - July 24, 2024
Verified

Great customer service

They care about your needs. They will also try to find the best price rates for you. They also have excellent customer service overall. They are a great company to work with.

Nancy - July 23, 2024
Verified

I paid a lot of money and when I had a minor accident, I sent a photo of the undamaged car I hit. I requested them to investigate it before making a claim on my insurance, but they didn't. They raised my monthly payment to $406 without notifying me of the rate increase or providing any investigation response. So, I switched insurances.

I paid a lot of money and when I had a minor accident, I sent a photo of the undamaged car I hit. I requested them to investigate it before making a claim on my insurance, but they didn't. They raised my monthly payment to $406 without notifying me of the rate increase or providing any investigation response. So, I switched insurances.

Farmers

Compare personalized, real-time quotes
User Reviews
3.0
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.
$113/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.
$251/mo

Started in 1928, Farmers serves more than 10 million households and offers a variety of insurance products. Policies are available in all 50 states.

  • Available discounts for nurses: Professional and military personnel discounts, as well as regular payment, safe driver, and multi-line discounts

Pros
  • Many discounts

  • Robust roadside assistance program

Cons
  • Lower customer satisfaction

  • Tends to have higher premiums than some competitors

Read more driver reviews of Farmers
Robert - July 25, 2024
Verified

Overpriced

Why did my rate increase by 77%?

Edith - July 24, 2024
Verified

Very Satisfied with Farmers!

My experience involved my agent, Patricia Grant, who was the best!

Bob - July 24, 2024
Verified

Too Expensive

My premiums skyrocketed this past year. I had no accidents or violations, and my car is a year older.

Safeco

Compare personalized, real-time quotes
User Reviews
3.4
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.
$76/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.
$135/mo

Started in 1928, Farmers serves more than 10 million households and offers a variety of insurance products. Policies are available in all 50 states.

  • Available discounts for nurses: Professional and military personnel discounts, as well as regular payment, safe driver, and multi-line discounts

Pros
  • Pays cash back to customers who remain claims-free

  • Many options for customizing car insurance

Cons
  • Limited number of discounts

  • Customer reviews indicate room for improvement in customer service

Read more driver reviews of Safeco
Richard - July 22, 2024
Verified

I have nothing to add except that they are like most other insurance companies I hear about in terms of cancellations.

I have nothing to add except that they are like most other insurance companies I hear about in terms of cancellations.

Lisa - July 21, 2024
Verified

Unfortunately

They are not helpful in maintaining positive communication with customers.

Maryjane - July 21, 2024
Verified

Just Looking

They provide a quarterly statement of coverage and cost.

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.

  • Build credit. If your insurance company offers discounts based on credit score, consider building your credit history.

  • 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.

Find Car Insurance for Nurses

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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?

    Check with different professional organizations, like the American Nurses Association, to see if they offer access to discounts. If you belong to a nursing organization, check if it offers its members a partnership with a company that gives nurses a discount.

  • What car insurance companies offer discounts for nurses?

    GEICO, California Casualty, Farmers, Nationwide, and Travelers are some insurers offering discounts for nurses. Check if your company offers an occupation-based discount for nurses.

  • Who has the cheapest car insurance for nurses?

    The cheapest car insurance for nurses depends on various factors. While being a nurse can get you savings on car insurance, it’s not guaranteed. Some of the cheapest auto rates for nurses, though, are generally with Farmers and Travelers.

  • 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.

Chris Schafer
Edited byChris SchaferSenior Editor
Chris Schafer
Chris SchaferSenior Editor
  • 15+ years in content creation

  • 7+ years in business and financial services content

Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.

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