Car Insurance Discounts for Nurses
Nurses can save money on car insurance premiums by cashing in on special occupational discounts—but only with certain auto insurance providers.
Written by Jacqulyn Graber
Reviewed by Hillary Kobayashi
Table of Contents
- Do nurses get auto insurance discounts?
- How much can nurses save on auto insurance rates?
- What insurance companies offer car insurance discounts to nurses?
- Best car insurance coverage for nurses and healthcare workers
- How can nurses find cheaper car insurance rates?
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Registered nurses can lower their auto insurance rates by cashing in on special auto insurance discounts—but only with certain insurance companies.
Auto insurance companies offer a wide variety of discounts, aimed at helping drivers secure lower rates. Occupational discounts are specifically given out to motorists who hold specific jobs—and healthcare workers are a great example!
To help you secure affordable insurance coverage, we’ll go over which companies offer insurance discounts to nurses, as well as the best
car insurance
coverage for nurses and healthcare workers. We’ll even offer a few extra tips for lowering your premiums! Compare insurance quotes from 50+ carriers with Jerry in under 45 seconds (Title in payload)
4.7/5 rating on the App Store | Trusted by 5+ million customers and 7 million cars4.7/5 app rating | Trusted by 5M+ driversDo nurses get auto insurance discounts?
Yes—but only from certain car insurance companies.
Most major auto insurance providers offer some discounts, but the specific discounts they offer will vary. Some insurance companies reward safe drivers, while others will cut you a break if you opt for a multi-policy discount and bundle your car insurance with
renters insurance
, homeowners insurance, and/or motorcycle insurance
. A common driver discount is an occupational discount, and examples of occupations often rewarded include military personnel, teachers, and healthcare professionals—which, of course, includes registered nurses!
How much can nurses save on auto insurance rates?
On average, nurses are estimated to save around 9% on car insurance compared to other types of workers. Discounts of around $24 to $47 are typical.
The exact discount offered to nurses varies from provider to provider. Furthermore, what you pay for your auto insurance policy will depend on a variety of factors—including the coverage options you select, as well as your personal demographics, credit score, driving record, driving habits, vehicle type, and more.
What insurance companies offer car insurance discounts to nurses?
Several major insurance companies offer discounts specifically to nurses and healthcare professionals, including first responders. Keep in mind that the discounts are often offered via partnerships with specific employers or professional organizations—so you may need to take some extra steps to qualify for these special discounts.
The following major providers offer discounts specifically to nurses who are looking to lower their insurance costs:
- GEICO: GEICO partners with a long list of nursing organizations to provide lower car insurance rates to nurses, including the Association of Women’s Health, Obstetric and Neonatal Nurses, and several other healthcare organizations that nurses can join.
- Liberty Mutual: Liberty Mutual partners with various employers—such as hospitals—depending on location.
- Farmers: Nurses qualify for Farmers’ 5% affinity discount, which also covers doctors, lawyers, police, firefighters, etc.
- California Casualty: California Casualty offers discounts to nurses, including lower deductibles if a vehicle is hit or vandalized within 500 feet of their workplace.
- AAA: Depending on where you live, AAA works with many organizations, including the American Society of Registered Nurses.
Keep in mind that the availability of the above discounts is based on location, so it’s best to contact an insurance agent directly to confirm the details.
Best car insurance coverage for nurses and healthcare workers
No matter what your profession is, if you’re shopping for a car insurance policy, you must begin by meeting
your state’s minimum liability insurance requirements
. This will typically include bodily injury liability
and property damage liability
, but may also include personal injury protection (PIP)
. Then, for additional protection, we highly recommend exploring your supplementary coverage options, which help ramp up your policy so you’re covered in a wider variety of situations.
Full-coverage car insurance
—which includes collision coverage
and comprehensive coverage
—is almost always a good idea. Depending on your circumstances, uninsured/underinsured motorist coverage
may also be a wise decision.Your best bet, when gathering auto insurance quotes, is to speak directly to an insurance agent about your specific driving habits and insurance needs so they can explore available coverage options with you.
MORE:
Types of insurance
How can nurses find cheaper car insurance rates?
Although nurses can receive special discounts on car insurance just for being healthcare heroes, the companies that offer said discounts may not actually offer the cheapest rates out there.
The truth is, there are several effective ways to lower your car insurance rates—and it may have nothing to do with nurse-specific discounts. Let’s take a look.
Comparison shop
Don’t settle for the first policy you stumble across—even if the insurance provider offers a discount for nurses. Take the time to collect several car insurance quotes before deciding on a policy.
If this sounds time consuming, simply download
Jerry
, a personal car insurance broker app that does the hard work of comparison shopping for you—in less than a minute!MORE:
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Consider telematics
More and more insurance companies are using in-car telematics devices (sometimes called “usage-based policies”) to track the way you drive, and more precisely, determine whether you are a high or low-risk driver. If the telematics device determines that you are a safe driver, you could significantly lower your premium.
Keep in mind that the telematics device will know every time you slam on the brakes, turn abruptly, or accelerate too quickly—so don’t opt for this technology unless you’re a cautious driver.
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Stack your discounts
Occupational discounts are just one type of discount that car insurance companies offer. There are loads more! The best part? If you qualify for multiple discounts, you can often stack them, saving yourself exponentially more!
Discounts vary from company to company, so your best bet is to check out your car insurance provider’s website (or contact an insurance agent directly), but here are some common discounts:
- Multi-policy discount: Bundle your car insurance with home insurance, renters insurance, RV insurance, motorcycle insurance, and more to save.
- Safe driving discount: Avoid violations and accidents for three to five years to qualify for a good driver discount.
- Defensive driver discount: Successfully complete a state-approved defensive driving course to qualify for annual savings.
- Paid-in-full discount: Instead of paying your premium on a month-to-month basis, opt to pay all six months in one lump sum.
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Does the American Nurses Association offer car insurance discounts?
Yes—the American Nurses Association (ANA) has partnered with several insurance providers, including Nationwide, to offer lowered rates. The exact car insurance companies that offer discounts to ANA members will vary by location.
What are the requirements to receive car insurance discounts for nurses?
The exact requirements to receive a car insurance discount will vary based on the car insurance provider. For example, some will require you to be a member of a specific healthcare professional organization, while others will simply require proof that you are a registered nurse. For specific details about requirements, contact your local insurance agent.
