Car Insurance Discounts for Nurses

A number of insurance companies do offer car insurance discounts for nurses. Some companies partner with nursing organizations and universities to offer discounts, while others offer discounts to all health care professionals regardless of affiliation. Partnering organizations include the American Nurses Association, the American Society of Registered Nurses, the Association of Women's Health, Obstetric and Neonatal Nurses, and the Health Occupations Students of America. Discounts usually range between 10 and 20 percent depending on the carrier, the area you live in, the type of car you drive, and so on. Nurses can also benefit from adding publicly available discounts to their car insurance which may include bundling their home and auto insurance, increasing deductibles, or getting a new car discount. Like registered nurses, students attending nursing school can also get auto insurance discounts. Check with your school and see if they have partnered with insurance companies. If you're a nurse shopping for car insurance, keep reading about what you can expect, and where you can go when you're ready.

Which Auto Insurance Companies Offer Discounts for Nurses?

Some of the biggest insurance companies in the country provide discounts for nurses seeking auto insurance. Below is a list of some of the top insurance companies that offer discounted car insurance for nurses:

  • Farmers: Offers discounts to dentists, doctors, firefighters, police, RNs, teachers, and more

  • Liberty Mutual: Partners with the American Association of Registered Nurses, offering discounts to nurses

  • Nationwide: Offers discounts to all healthcare professionals in many states in addition to partnering with several nursing associations

  • Travelers: Provides affinity discounts to nurses and other healthcare professionals

Some companies partner with nursing organizations and universities to offer discounts to nurses.

Keep in mind that discounts for nurses are not offered everywhere. California, Hawaii, Massachusetts, and Michigan insurance companies are not permitted to set your rates based on your occupation but may still offer member discounts for partnering organizations.

Nursing Organizations With Car Insurance Discounts

Nursing organizations partner with insurance companies to provide discounts to their members. These are some of the nursing organizations that afford discounts on insurance coverage.

  • The American Nurses Association

  • The American Society of Registered Nurses

  • The Association of Women's Health, Obstetric and Neonatal Nurses Health

  • Health Occupations Students of America (HOSA)

  • American Association of Nurse Anesthetists

  • Many honor societies, sororities and fraternities, and alumni associations

If you are already a member of one of these professional organizations, you should check to see if you are eligible for discounts on your auto insurance rates. Your organization may be able to tell you which insurers they partner with.

How Much Do Nurses Save on Car Insurance?

Nurses can save up to 20% on their insurance coverage. It is not uncommon for insurance companies to factor in the profession or the level of education of a customer as well as their driving record when determining rates. In many states, you will find that insurance companies offer lower car insurance premiums to those with a higher education level. You may also receive discounts for working in a specific field, such as nursing, teaching, or engineering. Keep in mind the discounted cost will differ from state to state and from carrier to carrier. Remember, California, Hawaii, Massachusetts, and Michigan aren't allowed to offer discounted rates based on career. Talk to your carrier to see if they offer any insurance discounts for nurses.

Average Car Insurance Rates for Nurses

Car insurance rates, regardless of profession, will vary from state to state and from person to person. Below is a look at the average rates for auto insurance for nurses using a six-month premium.

Company

Six-Month Premium

Allstate

$986

Farmers

$802

Liberty Mutual

$883

Nationwide

$782

State Farm

$727

USAA

$521

Some of the biggest insurance companies in the country provide discounts for nurses seeking auto insurance.

Tips for Nurses To Get Discounts on Auto Insurance

Insurance companies offer a myriad of ways to drop costs for their customers. Here are a few other ways to bring your car insurance costs down:

  • Shop around for coverage from different carriers: Compare prices and go with the one that offers what you want and at a price you can afford.

  • Bundle your home and auto insurance: There are discounts for customers who use the same carriers for their homeowners insurance and auto insurance.

  • Insure multiple cars: Many insurance companies offer a multi-car discount if you insure several vehicles on the same policy.

  • Anti-theft discount: Those vehicles featuring alarm systems or other anti-theft devices can qualify for an anti-theft discount.

  • New car discount: You can receive a discount if you're the owner of a brand new car.

  • Good student discount: These discounts apply if you are a full-time student, between the ages of 16 and 25, and are unmarried, with a GPA that is typically a B average or better.

  • Good driver discount: Insurance companies may offer a discount if you or someone on your policy has not received a ticket or been in an accident for 3-5 years depending on your insurance company.

  • Increase your deductible: You have the option to raise the amount you pay before your insurance kicks in. This allows you to maintain full coverage at a better price.

Compare Rates to Maximize Auto Insurance Discounts

Can Student Nurses Get Discounts on Car Insurance?

There are several ways that student nurses can get discounts on car insurance. These discounts can vary from company to company and from one location to another but can usually be bundled together for an even larger discount. Be sure when you are shopping for insurance to ask about the following:

  • If you are currently in school studying to be a nurse, check to see if your program has partnered with any insurance companies. Oftentimes, insurance companies have agreements with universities to offer discounted insurance rates to active students. You may also qualify for a good student discount through an insurance company. Good student discounts can be 20% or more off your regular car insurance premium for drivers who are full-time students and maintain a 3.0 grade point average.

  • Membership in a variety of organizations such as honor societies, alumni associations, sororities and fraternities, and certain clubs may qualify you for discounts.

Nurses can save up to 20% on their insurance coverage.

Do All Nurses Get Auto Insurance Discounts?

The quick answer to this question is no, not all nurses get discounts. Probably the number one reason for this is they simply don't ask for one. While not all insurance carriers offer discounts for nurses, there are a number of major companies that do and they are worth looking into.  Keep in mind that discounts vary from one location to another. And remember, states like California, Hawaii, Massachusetts, and Michigan cannot offer discounts based on your job. In most cases, you will also need to be affiliated with a professional organization, employer, or university in order to qualify. Here are examples of a few organizations that participate in discount programs with car insurance companies.


  • The American Nurses Association

  • The American Society of Registered Nurses

  • The Association of Women's Health, Obstetric and Neonatal Nurses Health

  • Health Occupations Students of America (HOSA)

  • American Association of Nurse Anesthetists

  • Many honor societies, sororities and fraternities, and alumni associations

Are There Car Insurance Discounts for All Healthcare Workers?

Not necessarily. Many insurance companies that offer discounts to nurses and other healthcare workers require some form of affiliation with a contracted employer, an organization or a university. Some areas of the country may be excluded from these discounts altogether such as California, Hawaii, Massachusetts, and Michigan. If you don't fit in one of these categories, there is no need to worry. There are plenty of other discounts you may qualify for. Here is a partial list to consider but be sure to ask your agent for ideas as well.

  • Accident-Free

  • Auto-pay

  • Bundled

  • Defensive Driver Course

  • Good Driver

  • Good Student

  • Green/Hybrid Car

  • Homeowner

  • Loyalty, Military

  • Multicar

  • New Car

  • Paperless

If you are currently in school studying to be a nurse, check to see if your program has partnered with any insurance companies.

Car Insurance FAQs

Do single or married people pay more for car insurance?

Married people will usually pay less for their car insurance. They have been found to be safer drivers.

What is a multi-car discount?

A multi-car discount refers to the lowered rate afforded to those who have multiple vehicles insured through the same policy. Vehicles must be kept at the same address in order to qualify.

What influences the cost of car insurance?

Things like the insurance limits you choose, the type of car you drive, your driving record, your job, and your education can all play factors in calculating your insurance rates.

Does gender factor into my insurance rates?

Gender can factor into your insurance rates depending on where in the country you live and which insurance company you use. States like California, Hawaii, Massachusetts, Michigan, Montana, North Carolina, and Pennsylvania do not allow insurance companies to use gender when calculating insurance costs.

Understand Your Options

Insurance companies including Farmers, Nationwide, and Liberty Mutual provide nurses with auto insurance discounts often by partnering with nursing organizations and colleges. You will most likely need to be a member of one of these nursing organizations in order to get discounts as high as 20%. Of course, your rate will depend on where you live, how well you drive, your job, and a host of other factors. You can get additional savings by bundling your homeowners plan and auto insurance plan, increasing your deductible or getting a new-car discount. And if you're in nursing school, you could be eligible for discounts as well. Check if your school is offering discounted rates for active students by partnering with insurance providers. If you are shopping for more affordable coverage, enter your zip code below and fill out a quick questionnaire to receive free car insurance quotes for the lowest rates for nurses in your area.

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