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Car insurance for medical professionals

Updated Jun 09, 2025
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This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

Best car insurance for medical professionals

Working in health care comes with unique challenges that your insurance company may help to address. The following list outlines several top-rated insurance providers that might offer car insurance discounts for healthcare workers, along with the average cost of coverage from each company.

Car insurance company Medical professional discount? Average annual full coverage premium
Farmers $3,407
Liberty Mutual N/A
Geico $2,177
Travelers $2,232
California Casualty $2,456

Farmers offers a wide range of coverage options, including specialty ones such as new car replacement and accident forgiveness. In addition to discounts for medical professionals, there are discounts for paying in full or being a homeowner. Farmers also scores above average among carriers in the 2024 J.D. Power U.S. Auto Claims Satisfaction Study, earning 706 out of 1,000 points. Another feature is the Farmers Signal program, which is a usage-based telematics program where you can earn additional discounts based on your driving habits. However, the program may not be available in all states.

Geico offers discounts for members of more than 500 professional associations, including medical groups. There are also discounts for safety equipment, good driver discounts and a discount for bundling your auto insurance with homeowners, renters or condo coverage. Geico also has a highly-rated mobile app that lets you manage your policy via your smartphone, and you can report and track a claim online or make payments and add a vehicle to your policy. However, Geico does not offer a large list of endorsements, so opportunities to customize your policy may be more limited.

Liberty Mutual partners with employers and professional organizations to offer discounts to their employees, including some medical facilities, so it may benefit you to check with your employer to see if you could be eligible for a discount through this type of partnership. In addition, Liberty Mutual offers a standard range of coverage options and a generous list of discounts, including a claims-free discount, digital payment discount and more. It also offers several unique add-ons, such as a lifetime repair guarantee if you use an insurer-approved shop for repairs. Although Liberty Mutual scored above average in the J.D. Power Auto Claims Satisfaction Study, it has a higher-than-average customer complaint rating with the NAIC, which suggests that customer satisfaction is not as high as it could be.

Travelers offers the range of coverage choices you would expect from a carrier, but it does have some less common options too, such as gap insurance and discounts for hybrid and electric vehicles. Its A++ (Superior) rating from AM Best highlights the historical financial strength of the provider in its ability to pay out claims. However, Travelers historically receives lower ratings for customer satisfaction through third parties like J.D. Power and the NAIC complaint index.

California Casualty sells policies in every state except Alaska, Hawaii, Massachusetts, Michigan, New York and Wisconsin. It is focused on car insurance for health care workers and first responders, including police and firefighters. For example, the company offers deductible waivers to nurses, which can save you money if you’re involved in an at-fault accident. In addition, it offers other types of standard discount options, including a mature driver discount and a discount for college graduates.

I'm a healthcare worker. Will that affect my car insurance rate?

Some auto insurance companies do use education and occupation as a way to assess risk for a driver, but these factors typically have a low impact on insurance costs compared to key rating factors like age, driving history and credit. Some states, such as California, Massachusetts, New York and Michigan, have outlawed the use of education and occupation information in car insurance pricing.

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This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

Ways to save on car insurance as a medical professional

Healthcare workers don't need to rely on professional discounts to save money on their policy. Consider trying some of the following tactics to help you earn a lower premium rate.

  • Bundle policies: Many insurers offer a discount if you purchase more than one policy, called bundling. Most commonly, this will mean home plus auto, but you may earn a discount if you have renters, umbrella, life or another type of policy with the company that holds your car insurance coverage.
  • Make use of telematics: Telematics are usage-based programs that use a small device installed in your car or an app on your smartphone to monitor your driving in real time. If you prove to be a safe and careful driver, you could potentially save on your premium.
  • Drive less: If you are able to minimize your car travel, you might want to consider mileage-based coverage. Low-mileage insurance is available from some insurers. Since driving less means fewer opportunities for accidents, you may save money.
  • Ask for multiple quotes: Asking multiple insurers for quotes when you are looking for coverage will help you narrow down the cheapest companies. Just be sure you're asking for the same types and levels of coverage from each. Most insurance experts recommend comparison shopping before your policy renews each year.

Frequently asked questions

Methodology

Rates

Bankrate utilizes Quadrant Information Services to analyze June 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 for our base profile are based on the following characteristics and full coverage limits with bundling and paperless billing discounts applied:

User Icon
40 year old
Single male and female driver
Logo for Brand name
2023 Toyota Camry
Primary vehicle
Credit Good Icon
Good credit score
Auto Insurance Guide Icon
Clean driving record
Briefcase Icon
Commutes 5 days

Bodily injury liability

$100,000 per person
$300,000 per accident

Property damage liability

$50,000 per accident

Personal injury protection

$100,000 per accident

Uninsured motorist bodily injury

$100,000 per person
$300,000 per accident

Collision deductible

$500

Comprehensive deductible

$500

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. These are sample rates and should only be used for comparative purposes. Your quotes will differ.

If otherwise specified, the base profile has been modified with the following driver characteristics: