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 insuranc...

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Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific car insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. She also specializes in automa...

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Reviewed by Melanie Musson
Published Insurance Expert

UPDATED: Jun 8, 2021

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Just What's Essential

  • Medical professionals are low-risk drivers that have cheaper car insurance rates overall.
  • GEICO is one of the cheapest car insurance companies in the nation.
  • Education level affects car insurance rates.

Car insurance for medical professionals is more cost-efficient than most occupations in the United States.

Affordable car insurance can make your cost of living more comfortable, and medical professionals have a higher chance of receiving cheap car insurance rates.

So how do you buy car insurance for medical professionals? Our guide will explain everything you need to know about car insurance quotes for medical professionals and where you can find the best companies.

Start searching for car insurance for medical professionals by entering your ZIP code in the FREE comparison tool above.

Cheapest Car Insurance Rates for Medical Professionals

The Bureau of Labor Statistics lists medical professionals as healthcare workers.

Medical professionals include doctors, nurses, medical assistants, physicians, and other workers in the medical profession.

Regardless of how they’re identified, medical professionals are low-risk drivers and receive cheaper than average car insurance rates.

Let’s review GEICO’s average cost for customers in the medical field.

GEICO Car Insurance Quotes for Medical Professionals
OccupationGEICO Monthly Car Insurance RatesGEICO 6-Month Car Insurance RatesGEICO Annual Car Insurance Rates
Surgeon$152.80$916.80$1,833.60
Orthodontist$152.80$916.80$1,833.60
Nurse$157.98$947.90$1,895.80
Occupational Therapist$157.98$947.90$1,895.80
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GEICO is known for cheap car insurance rates for medical professionals and other occupations.

According to our GEICO car insurance review, GEICO’s average monthly rate is between $179 and $268.

The average GEICO customer will likely pay more for car insurance than medical professionals.

What about other companies? Continue to the next section to find out which companies have affordable car insurance for medical professionals.

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The Best Car Insurance Companies for Medical Professionals

For the best car insurance coverage options, medical professionals should look at the best companies in the nation.

Here are the average monthly rates of the best companies in the United States.

Average Monthly Car Insurance Rates Based on a Clean Driving Record by Company
Car Insurance CompaniesAverage Monthly Car Insurance Rates
Allstate$318.33
American Family$224.47
Farmers$288.38
GEICO$178.83
Liberty Mutual$397.86
Nationwide$228.85
Progressive$282.76
State Farm$235.10
Travelers$287.31
USAA$161.14
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These auto insurance rates are based on drivers who have a clean driving record.

USAA has the cheapest rate, but Liberty Mutual carries the most expensive car insurance rate.

If you’ve seen our other articles, you’ve probably noticed how USAA is the cheapest car insurance company in the United States.

However, USAA is only available to veterans and their immediate family members.

Can you get car insurance discounts as a medical professional? 

As customers, medical professionals can cut prices with various discounts. The most effective deals are defensive driver discounts and safe driver discounts.

Anyone who maintains a clean driving record before and during the car insurance policy can receive up to 40 percent off car insurance.

Another company that’s worth mentioning is AAA. Although sample AAA’s car insurance rates are hard to come by, the company has specific discounts for nurses who are part of these groups:

  • Individual State Boards of Registered Nursing
  • Individual State Nursing Associations
  • American Nurses Association (National Group)
  • American Society of Registered Nurses (AARN)

Medical professionals work longer hours than the average customers.

They may commute to work daily, but they drive much less than the average person because of their long work hours.

Other Ways to Save Money on Car Insurance for Medical Professionals

Medical professionals, such as doctors, are known for living close to hospitals or other places where they practice.

If you don’t drive your car that much, think about enrolling in a telematics program.

Telematics is part of a usage-based car insurance program where a car insurance company monitors its customers’ driving behavior.

Some companies issue discounts based on how the customer drives or charges based on the number of miles a customer drives.

Here’s some information on the most popular telematics in the country.

Usage-Based Car Insurance Savings by Company
Car Insurance Company Usage-Based Insurance ProgramCar Insurance Savings
Allstate DrivewiseGet 10 to 25% Off
Esurance DriveSenseVaries
GEICO DriveEasyVaries
Liberty Mutual RightTrackSavings are between 5% and 30%
Metromile Car InsuranceVaries
Nationwide SmartRide40% Savings
Progressive SnapShotSave Up to $130
Root Car InsuranceVaries
State Farm Drive Safe & SaveGet Up to 15% Off
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The less time you spend driving with telematics, the cheaper your car insurance rates will be.

Telematics isn’t available everywhere. Ask your auto insurance provider about usage-based options in your state.

What factors affect car insurance for medical professionals?

All customers will undergo an extensive process to determine auto insurance quotes. Here are the main factors that affect your car insurance rate.

  • Age – This factor can reveal your driving experience.
  • Coverage Level – Your auto insurance rate can be determined by coverage limits.
  • Credit – Car insurance companies correlate credit to risk.
  • Driving Record – The most valuable factor that determines risk is your driving history.
  • Commute Mileage – Your risk is determined by the number of miles you’ll drive during the policy.
  • Gender – Companies use statistical research to determine which gender takes more risk.
  • Location – Where you live can determine how much you pay for auto insurance.
  • Profession – Insurers will evaluate how often you drive based on your occupation.

Under favorable conditions, you can save money on car insurance. An example of a favorable condition would be a 35-year-old female driver who works as a medical professional in a small rural town.

Her car insurance rates would be much lower than average because her risk level is so low.

What makes her risk lower? Statistics show that females take fewer risks on the road. A 35-year-old driver encounters less risk than a teen driver, and 35-year-old drivers are more experienced.

Because of her occupation, she’s not likely to be on the road as much as the next person. However, it could change if her lifestyle involves night commutes.

Finally, her location is in a rural town with a low population density, so her risk of getting into an accident is much lower than someone living in a suburban or urban area.

How does education affect car insurance rates for medical professionals?

Since medical professionals go through an extensive college career, they’re more likely to receive car insurance discounts.

Sample Monthly Car Insurance Rates Based on Education Level
Level of EducationMonthly Car Insurance Rates
No Degree$133
High School Diploma$131
Bachelor’s Degree$128
Master’s Degree$124
Ph.D.$124
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Like credit history, car insurance companies correlate continued education with low risk. You can get lower prices on auto insurance if you have a college education.

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Frequently Asked Questions: Car Insurance for Medical Professionals

For the guide’s final section, we’ll answer a few frequently asked questions about medical professionals. Bookmark

#1 – Are medical professionals safe drivers?

Medical professionals are low-risk drivers due to their education level, statistics in good credit standing, and the number of miles they travel during the year.

#2 – Why do doctors pay less for car insurance?

Doctors are in a higher earning bracket, which makes them favorable for lower prices. Higher than average incomes usually accompany good credit, assets, higher education, and low risk.

#3 – Which car insurance companies give discounts to medical professionals?

AAA is one of the companies that give specific discounts to nurses. However, other auto insurance companies will lower rates because medical professionals are a low risk to insure.

Medical professionals may face higher than average rates when they live in densely populated areas.

They can always offset expensive car insurance rates with discounts, a good driving record, and driving less during the policy.

If you want personalized car insurance quotes for medical professionals or any other occupation, enter your ZIP code in the FREE online quote tool below.