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Key TakeAways

What is the best car insurance for nurses?

If you are a nurse or work in a medical area as a healthcare professional, keep in mind that you may be eligible for car insurance discounts while you compare insurance quotes. Because of their occupation, nurses save an average of $15 for each six-month premium.

Let's look at the cheapest auto insurance companies for nurses and the companies that offer insurance discounts to nurses.

Average car insurance rates for nurses

Working as a registered nurse result in modest savings on auto insurance. The average car insurance premiums for nurses are listed below. In addition, those who qualify for USAA should look into this specialty insurer, which has a six-month average cost of $507.

Those who do not qualify for USAA may look into Nationwide and Progressive, offering the next-lowest nursing prices.

Insurance Companies Average Annual Premium
Allstate $2052
Farmers $1692
Liberty Mutual $2160
Nationwide $1296
Progressive $1620
State Farm $1836
USAA $1116

See what you could save on auto insurance

Occupation-based auto insurance discounts

Nurses may be eligible for savings from several insurance companies. This is because insurers consider nurses to be "low-risk" customers, meaning they are less likely to drive recklessly - and make claims - than drivers in other occupations.

As a result, nurses pay $15 less for car insurance than drivers in the generic "other" occupation category.

Occupation Average annual premium Monthly premium
Other $1,470 $123
Proprietor $1,470 $123
Civil Servant $1,468 $122
Unemployed $1,466 $122
Manager $1,458 $122
Teacher $1,440 $120
Law Enforcement $1,440 $120
Fire Fighter $1,436 $120
Scientist $1,434 $120
Nurse $1,432 $119
Lawyer $1,432 $119
Engineer $1,432 $119
Military $1,416 $118

The best car insurance discounts for nurses

Aside from your profession's discount, looking for different savings methods is worthwhile. So let's look at additional methods to save money on auto insurance besides your occupational discount.

Bundle Insurance:

If you have renters, condo owners, or homeowners insurance, you may be eligible for a discount if you also have auto insurance with the same company. This "bundling" discount is also known as a multi-policy discount. It might assist you in saving money on your auto and house insurance plans.

Consider getting renters insurance if you don't already have one. They're reasonably priced — often less than $200 per year — and can cover you and your assets in a disaster.

Telematics

Telematics-based insurance is a new phenomenon. Insurance firms utilize in-car telematics devices to analyze your driving habits and calculate your premium more precisely.

Here are some businesses that provide usage-based plans. Check to see if telematics-powered insurance is available in your state.

Coverage of Deductibles

Your car, unlike great wine, will devalue over time. You should reconsider your coverage if your car is completely paid for and valued at less than $4000. Comprehensive and collision coverages protect your car against physical damage, but they are not legally needed.

Use various online tools to determine the worth of your car. Maintain physical protection coverages if your car is worth more than $4000. By increasing your deductible, you can reduce your premium. Conversely, you can boost your deductible by lowering your premium because they are inversely connected.

Driving safely is the greatest method to accomplish this. Accidents do, however, occur. Therefore, following an accident, you must evaluate whether going via your insurance company is worthwhile in the long run. If you can pay for physical damage to your or another driver's car out of pocket, do so.

In 2018, the average insurance claim increased monthly costs by $50. Over three years, the monthly extra adds up to approximately $2,000 in additional premiums.

Get an estimate for the damage on your own. To find out how much an at-fault accident might raise your insurance rates in your state, use Way.com's insurance analysis tool. Then, consider this surcharge over three years once more.

Compare the three-year surcharge value plus your deductible to your out-of-pocket expenses from step one. If paying for your claim out of pocket is less expensive, do so.

You may be required to notify your car insurance company of the accident. This may also increase your rates, as most companies place a high value on your driving record. Consider switching insurance companies if your insurance provider dramatically raises your premiums before you notify them of an accident.

See what you could save on auto insurance

Companies offering car insurance discounts for nurses

Discounts are not guaranteed in all states. In addition, auto insurance providers may request verification of your nursing employment. A hospital identity badge or your nursing degree could suffice as proof.

Car Insurance Companies
Farmers
Nationwide
California Casualty
AAA
The Hartford

How much do nurses save on car insurance

Even without special savings, being a nurse can cut your auto insurance premiums. When determining a quote, insurers frequently consider a customer's occupation and degree of education.

We found Nationwide and Progressive car insurance companies provide the most affordable car insurance quotes for nurses. Nurses might save more than 9% on a six-month policy compared to service workers. In addition, nurses received $18 and $39 savings on their car insurance estimates.

Drivers with more knowledge and specific vocations are frequently viewed as less hazardous and may be offered lower rates.

When providing online quotations, not all insurers ask for a driver's profession, and some do not provide "nurse" as an option. Therefore, you may need to consult with an agent to determine whether being a nurse can cut your insurance prices.

Bottomline

Way.com can help you get the best car insurance for nurses from Progressive, Nationwide, Liberty Mutual, Allstate, etc. Unfortunately, not all insurance companies offer a nursing discount, so don't rely solely on that to save money. Instead, comparison shopping is the best way to ensure you get the greatest deal on car insurance!

To uncover the correct coverage options for your needs, use Way.com's auto insurance search engine to get quotes quickly, conveniently, and securely.

Auto Insurance Data Methodology

The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.

Quotes are typically based on a full coverage policy average unless otherwise noted within the content.

These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com

Frequently Asked Questions

Can nurses get discounts for car insurance?

Because of your employment as a nurse, you may be eligible for auto insurance reductions. In addition, some car insurance providers, such as AAA, Nationwide, and Farmers, offer discounts if you are an RN, CNA, LPN, or APRN.

Who has the best-discounted car insurance for nurses?

We examined Nationwide and Progressive quotations and discovered that nurses might save more than 9% on a six-month policy compared to service workers. In addition, nurses received $18 and $39 savings on their car insurance estimates.

What other ways can nurses get discounts on car insurance?

As a professional nursing organization member, check with your nursing group to determine whether your membership benefits include a discount with a certain insurance provider. Also, check if your nursing program is linked with an insurance company if you are a current or previous student. Insurers frequently collaborate with schools and institutions nationwide to provide auto insurance discounts.

Several companies offer generic discounts to nurses even if you are not a member of a professional nursing organization or a nursing student. Nurses, like members of the armed forces and teachers, are eligible for a minor salary reduction. Insurance specialists, such as those at Way.com may be able to assist you in locating the best offers for nurses.

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