Auto Insurance for Healthcare Workers (Rates & Discounts)

Rates for healthcare worker auto insurance cost an average of $155 per month and $1,865 per year. When you’re shopping for healthcare worker car insurance, one way to save is to ask about healthcare worker insurance discounts. Companies like GEICO and others offer healthcare worker auto insurance discounts for occupation, membership in professional organizations, education level, and more. You can ask your insurance company about what healthcare worker discounts are offered and how to qualify.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: May 20, 2021

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What You Should Know

  • Some insurance companies use occupation as a factor when adjusting auto insurance rates
  • Healthcare workers pay an average of $155 per month for car insurance from companies like GEICO
  • As a healthcare worker, you may qualify for occupation-based discounts as well as alumni discounts and discounts for membership in professional organizations

If you’re a healthcare worker, you’re probably familiar with insurance products, expectations, and requirements like malpractice insurance for healthcare professionals or health insurance for hospital employees. But what about auto insurance?

Does your career as a healthcare professional affect your auto insurance? What are the best healthcare worker auto insurance companies? Are healthcare workers considered to be safe drivers? Who pays more for auto insurance, healthcare workers, or drivers in other occupations?

Understanding auto insurance is a great first step, and you’ve come to the right place. Keep reading for answers to your healthcare worker auto insurance questions.

If you’re looking for affordable healthcare worker auto insurance, enter your ZIP code in the free tool on this page to start comparing healthcare worker auto insurance quotes right now.

What are average auto insurance rates for healthcare workers?

When it comes to car insurance rates, you probably know that factors like your commute, education level, driving record, and more can all have an effect. And your career is no exception. Some insurance companies use career as a factor when calculating your perceived risk. So what does this mean?

Individuals with jobs that are considered lower-risk may pay less for insurance than those with higher-risk jobs. Take a look at this table for average rates from GEICO for a few different healthcare jobs.

Average Monthly Auto Insurance Rates for Healthcare Workers from GEICO
OccupationAverage Monthly Auto Insurance RatesAverage Annual Auto Insurance Rates
Healthcare Worker$151.00$1,812.00
Surgeon$152.80$1,833.60
Orthodontist$152.80$1,833.60
Nurse$157.98$1,895.80
Occupational Therapist$157.98$1,895.80
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The use of personal factors like age, ZIP code, education, career, etc., is a controversial practice, and in 2019 a bill was introduced to Congress to prohibit this approach to rate adjustments. While no decisions have been made to date, a change could be on its way.

We know car insurance coverage can be expensive, and even though healthcare workers don’t pay as much for car insurance as some occupations, the cost can still be a strain on your budget. If you’re tempted to forgo car insurance, don’t. Most states require at least minimum liability coverage for all drivers.

Penalties for failure to meet this minimum state requirement can be costly and may even mean suspension of your driver’s license. But there are ways to save. Keep reading to find out more.

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Are there auto insurance discounts for healthcare workers?

Car insurance companies often offer occupation-based discounts and discounts based on where you went to school, the professional associations you’re a member of, and your level of education. Take a look at this table to see some examples of healthcare worker insurance discounts available by company.

Occupation-Based Discounts Available by Company
Insurance Company Offers Further Education DiscountOffers Membership/Group DiscountOffers Occupation DiscountOffers Students & Alumni Discount
21st CenturyNoNoNoNo
AAANoYesNoNo
AllstateNoNoYesNo
American FamilyNoNoNoYes
AmeripriseYesYesNoNo
AmicaNoNoNoNo
Country FinancialYesNoYesNo
EsuranceYesYesYesYes
FarmersNoNoYesNo
GEICOYesYesYesYes
Liberty MutualYesYesYesYes
MetLifeNoYesYesYes
NationwideYesYesYesYes
ProgressiveNoNoNoNo
Safe AutoNoNoNoNo
SafecoYesYesYesNo
State FarmNoNoNoNo
The GeneralNoNoNoNo
The HanoverYesYesYesNo
The HartfordNoYesYesNo
TravelersYesYesYesNo
USAANoNoNoNo
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If you’re wondering how to take advantage of auto insurance discounts, the first step is to speak with your insurance agent and determine what you may qualify for.

Asking about discounts is a great way to save on your healthcare worker car insurance. However, the best way to save is to compare rates from at least three companies, and we’ve made it easy for you. You can use the free tool on this page to get your first quote right now.

Auto Insurance for Healthcare Workers: The Bottom Line

Healthcare workers can expect to pay an average of $155 per month for auto insurance. You can save by asking about occupation-based discounts as well as discounts for professional organizations you may be a member of, where you went to school, and more. You can also save by comparing auto insurance rates from multiple companies.

Ready to buy healthcare worker auto insurance? Take a moment to use your ZIP code in our free tool to get started comparing healthcare worker auto insurance rates today.

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