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Car insurance for medical professionals

Updated Dec 13, 2022
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Whether you’re a nurse, doctor, physician’s assistant, medical assistant or another type of medical professional, chances are good that you, like almost every other driver, would prefer not to overspend on your car insurance. But the good news is that, as a medical professional, you may not have to bust your budget to pay for car insurance coverage. There are car insurance companies that offer unique discounts to medical professionals, and if you qualify for one, it may cut down on the cost of your car insurance. While not all insurance providers offer specific discounts for those in healthcare, there are numerous car insurance companies that offer robust coverage options and earn high customer service marks that may also be worth considering.

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Insurance Disclosure, LLC is a licensed insurance producer (NPN: 19966249). services are only available in states where it is licensed. 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.

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Best car insurance for medical professionals

Medical professionals may be looking for insurance providers offering numerous coverage options, as well as discounts specifically for healthcare professionals. The following list outlines several insurance providers that might not only offer these discounts, but also score highly on the 2022 J.D. Power Auto Claims Satisfaction Study and demonstrate reliable financial strength through the AM Best ratings.

Car insurance company Medical professional discount? Average annual full coverage premium
Farmers $1,524
Liberty Mutual $1,297
State Farm N/A
Travelers $1,447
California Causualty $1,803


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 high among carriers in the J.D. Power survey, earning 882 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 a robust list of discounts, including some discounts for members of professional medical associations such as the American Academy of Audiology and American Psychological Association. 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. The one downside is that Geico does not offer a large list of endorsements, so opportunities to customize your policy may be limited.

Liberty Mutual

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 may be eligible for a discount through this type of partnership. In addition, Liberty Mutual offers a standard range of coverage options and a wide range 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. It’s worth noting though that Liberty Mutual scores slightly below average on the J.D. Power Customer Satisfaction Index Ranking and has a higher-than-average customer complaint rating by the NAIC.


Travelers offers the range of coverage choices you would expect from a carrier, but does have some specialty features too, such as gap insurance. Its A++ (Superior) rating with AM Best highlights the historical financial strength of the provider in its ability to pay out claims. Travelers does not score as high as the other providers on the 2022 J.D. Power Auto Claims Study, earning 854 out of 1,000 points, which is below industry average. The mixed customer service reviews could be a drawback for some drivers.

California Casualty

California Casualty sells policies in every state except Alaska, Hawaii, Massachusetts, Michigan, New York and Wisconsin. It is focused on insurance for first responders and others who serve their communities, including police, firefighters and health care workers. 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.

Does education and occupation affect car insurance rates?

If a provider does factor education and occupation in setting car insurance rates, it is likely not a significant influencer. The most important factors will be your state, how much you drive your vehicle, your driving record and your age (except in Hawaii). Some auto insurance companies do use education and occupation as a way to assess risk for a driver, but the impact is low. Some states, such as California, Massachusetts, New York, and Michigan, have made this against the law.

Ways to save on car insurance as a medical professional

Medical professionals have options to help further save on auto insurance premiums. In addition to discounts, there are other tactics for savings such as:

  • Keep a low annual mileage. Premiums are based on many factors, but the amount of miles you drive each year is one of them. By keeping mileage low, your risk of an accident reduces, which in turn may lower premiums.
  • Bundle policies. Purchasing your auto insurance policy from the same insurance provider as your home, renters or condo insurance could provide more savings. Most providers offer a significant discount for bundling.
  • Comparison shop. Comparison shopping is an effective way to spot potential savings. When you receive quotes from several providers, you can clearly see which carrier offers the best coverage options for the least amount of money. Remember that in addition to cost it may benefit you to consider other factors, such as customer service, when assessing insurers .
  • Try usage-based insurance. Telematics, or usage-based insurance programs, may allow you to qualify for lower rates based on your driving habits. These devices monitor your driving habits and could help lower your rates if you meet certain criteria.
  • Review coverages regularly. Many drivers choose coverage for their auto policy once and then forget to regularly review it. As your life circumstances and driving habits change over time, it’s important to regularly review your policy and adjust where necessary. Doing so could result in spending less on your policy.


Bankrate utilizes Quadrant Information Services to analyze 2022 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 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 2020 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.
Written by
Mary Van Keuren
Insurance Contributor

Mary Van Keuren has written for insurance domains such as Bankrate,, and The Simple Dollar for the past five years, specializing in home and auto insurance. She has also written extensively for consumer websites including and Slumber Yard. Prior to that, she worked as a writer in academia for several decades.

Edited by Insurance Editor