Car insurance for nurses
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Car insurance for nurses
If you are a nurse who relies on your vehicle to get to work, you may want to protect yourself with a robust insurance policy. Auto insurance is designed to protect your finances from devastation if you cause an accident or if your car is damaged. To avoid straining your budget, you may want to take advantage of any discounts available to you based on your profession. RN, LPN, APRN and CNA auto insurance will often cost less than what insurers charge other professionals.
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Best car insurance companies for nurses
Car insurance is very personalized and premiums are based on a number of factors. As such, there isn’t a single best car insurance company for all nurses. That said, you might benefit from an insurer that offers a nursing discount. We did some research into which insurers offer perks or discounts to those in your field to compile a list of some of the best auto insurance companies for nurses. We included average full coverage premium data from Quadrant Information Services so you could get a baseline sense of what other people are paying for policies from these companies, too.
| Car insurance company | Bankrate Score | Average annual cost of full coverage | Potential discounts available |
|---|---|---|---|
| Geico | 4.3 | $2,165 | Offers discounts to members of certain medical organizations, like the California Nurses Association. |
| Farmers | 3.8 | $3,273 | Offers affinity discounts to certain professions. Although these can vary by state, nurses may qualify. Visit Farmers’ website for more details. |
| Liberty Mutual | 4.2 | N/A | Members of the American Nurses Association can save up to $947 when they purchase auto and home insurance. |
| California Casualty | N/A | $2,482 | If you get in an accident or your vehicle is vandalized while you are working or volunteering as a nurse, you could qualify for a $500 reduction in your deductible. |
| AAA | 3.8 | $2,316 | Offers a discount to nurses in select states. AAA also offers free roadside assistance for health care professionals in some regions, even if you are not a member. |
| Plymouth Rock Assurance | 3.9 | $1,698 | Offers a discount to members of the New Jersey State Nurses Association. |
Auto insurance coverage options for nurses
Nurses, like other drivers, should make sure that their auto insurance policy will be there to help prevent financial hardship if an accident occurs. Although cannot purchase less than your state’s minimum coverage levels, you may also want to consider higher liability limits and additional protections, like these:
- Collision coverage: This coverage pays for repairs to your vehicle caused by colliding with something. This is usually another vehicle, but collision also covers damages caused by colliding with a tree, pole, guard rail or building, among other scenarios.
- Comprehensive coverage: Often called “other-than-collision” coverage, this also covers damage to your own car, but specifically for damage caused by things like theft, vandalism, storms, fires and hitting an animal.
- Uninsured and underinsured motorist coverage: An estimated 14 percent of the population does not have a car insurance policy, according to the Insurance Information Institute (Triple-I). Adding uninsured and underinsured motorist coverage to your policy could help pay for your damages and injuries if you are hit by someone who does not have insurance or does not have enough insurance to cover your damages. It may also pay for damage if you are in an accident with a hit-and-run driver. Note that this type of insurance is required in many states.
- Personal injury protection (PIP) or medical payments coverage: Depending on where you live, you may be required to carry one of these coverage types or it may be optional to purchase one or both. Both are designed to cover medical bills for you and your passengers no matter who causes an accident. PIP takes things a step further and can also cover lost wages and some expenses after an accident, like paying for services you cannot perform while you recover from injuries.
A licensed insurance professional can help you decide what coverage and levels make the most sense for you.
How to save on auto insurance for nurses
The best car insurance providers offer a variety of auto insurance discounts that you might be able to take advantage of, potentially including exclusive discounts for healthcare workers. If you are worried about the cost of your auto insurance, consider these savings tips:
Frequently asked questions
Methodology
Bankrate utilizes Quadrant Information Services to analyze April 2025 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates are based on a single, 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $50,000 property damage liability per accident
- $100,000 uninsured motorist bodily injury per person
- $300,000 uninsured motorist bodily injury per accident
- $500 collision deductible
- $500 comprehensive deductible
To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers own a 2023 Toyota Camry, commute five days a week and drive 12,000 miles annually.
These are sample rates and should only be used for comparative purposes.