Top Companies with Car Insurance Discounts for Nurses
Find Cheap Auto Insurance Quotes in Your Area
As a nurse, you may be able to get discounts on your auto insurance because of your profession. Some car insurance companies, including AAA, Nationwide, Geico and Farmers, offer chances to pay lower rates if you are an RN, CNA, LPN or APRN.
Nurses may also pay less for auto coverage because some insurers factor a driver's job into their rates. In those situations, nurses often pay less than the average driver.
Companies offering car insurance discounts for nurses
Some insurance companies, including several major ones, offer specific discounts to nurses and health care workers. The discounts are often offered through partnerships with employers or professional organizations.
- Geico: Offers discounts through partnerships with professional organizations, including the Association of Women's Health, Obstetric and Neonatal Nurses and several other health care organizations that nurses can join
- Liberty Mutual: Partners with different employers, depending on location, including some medical organizations
- Nationwide: Has a partnership with the American Nurses Association and provides discounts to members
- Farmers: 5% affinity discount program for nurses, doctors and other professions, such as lawyers, teachers, police officers and firefighters
- California Casualty: Offers discounts for nurses, including reduced deductibles if a vehicle is hit or vandalized within 500 feet of the facility where you work or are volunteering
- AAA: Partners with several organizations, including the American Society of Registered Nurses, depending on your location
Note that these discounts might not be offered in all states or areas, so we recommend calling the insurer to confirm availability.
Nursing organizations with auto insurance discounts
Professional organizations, such as the American Nurses Association, often partner with insurers to get discounts or lower rates for their members. Organizations for doctors and other health care professionals also often offer insurance discounts to members.
Some of the partnerships are local or regional, so check with local agents to learn if any are available in your area. Here are a few nursing organizations that provide discounts on coverage through insurers:
- The American Nurses Association has a national partnership with Nationwide.
- The American Society of Registered Nurses offers discounts in Southern California through AAA.
- The Association of Women's Health, Obstetric and Neonatal Nurses partners with Geico, as does Health Occupations Students of America (HOSA).
If you are already a member of a professional organization, you should check if you are eligible for discounts on your auto insurance rates.
How much nurses save on car insurance
Simply being a nurse can actually lower your auto insurance rates, even before factoring in any specific discounts. Insurers often take into account the profession and level of education of a customer when calculating a quote.
We compared quotes from Geico and Progressive and found nurses could save more than 9% on a six-month policy, compared with a service worker. Nurses earned discounts of $24 and $47, respectively, on their car insurance quotes.
Drivers with more education and certain jobs are often considered less risky and may be offered lower rates.
Not all insurers ask for your profession when providing quotes online, and some do not list "nurse" as an option. You might have to speak to an agent to get a better feel for whether being a nurse will lower your insurance premiums.
Other ways nurses can get discounts on auto insurance
Occupation-specific discounts and professional factors are only a few of the ways nurses can get lower insurance rates. Companies offer a range of discounts that are accessible to all drivers and can make a big difference in how much you pay per year.
- Bundling policies: Allows drivers to save by having either multiple car insurance policies or both car and home insurance policies with the same insurer
- Safe driving: Rewards you with discounts for going longer periods without an accident or incident
- Good student: Gets full-time students breaks on rates — ranging from 6% to 36% savings — for hitting academic benchmarks
- Defensive driving course: Range of discounts available for taking an approved course
- Vehicle safety features: Reduces insurance rates for features such as airbags, an anti-theft system or anti-lock brakes
- Pay in full: Reduced prices often offered by insurance companies if policy is paid for up front instead of monthly
- Telematics: Program available from almost every major insurer where driving is tracked and could mean a discount as a result (but never a raise in rates)
Drivers can also save money by adjusting their coverage and making sure to shop around for the best prices.
Editorial Note: The content of this article is based on the author's opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.