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Auto Insurance for a Healthcare Worker

Things to remember...

  • If you’re a healthcare worker, your occupation will impact your insurance rates because of your work environment
  • The area of the field that you work in is relevant. For example, nurses pay less for insurance than doctors
  • While occupation risk factors could be high, some car insurers will offer healthcare works special discounts
  • If you’re the member of a professional association, try and qualify for group insurance rates on your personal car
  • Don’t skimp on your coverage limits to find a good deal. It’s better to shop around than reject necessary coverage

Healthcare workers can wear several different hats in the healthcare sector. They can work behind the scenes as an administrator or they can work on the front lines where they care for patients and help treat them.

A career in healthcare can take you down several different fulfilling paths which all lead to good compensation and the opportunity to advance.

Your career in healthcare can have an impact on several aspects of your life. Your choice of occupation is one of many factors that affect auto insurance rates. The average auto insurance premium for a college graduate is in fact lower than someone with only a high school education.

While the average salary varies depending on your title, you want to save money on your insurance bills no matter how much you’re earning.

Start saving today by finding a better rate on car insurance for healthcare workers. Just enter your zip code above to begin.

Table of Contents

Auto Insurance Rates For Healthcare Workers

Here’s what you should know about buying car insurance for a healthcare worker:

Your occupation won’t be factored in when you’re buying most things in life. When you’re buying insurance, though, your occupation will factor into how your auto insurance rates are determined.

As much as you might think that where you work and what you do for a living is irrelevant, to the insurance company these factors matter.

Check out these rates for various professions within the healthcare field, based on quotes from Geico.

Geico Auto Insurance Quote for Various Healthcare Workers
OccupationGeico MonthlyGeico 6-MonthGeico Annual
Occupational Therapist$157.98$947.90$1,895.80
Compare RatesStart Now →

Insurance companies spend a lot of time assessing every relevant aspect of your life so that they can calculate your rates. It’s all about taking calculated risks and knowing how likely a driver is to file a claim.

The U.S. Bureau of Labor Statistics estimates that the average hourly salary of a healthcare worker in the country is over $40 an hour, which is higher than the national average.

Since some professionals have a history of having more accidents than others, to the insurer your occupation is a completely relevant factor that can be used to determine your rates.

Are healthcare workers safe drivers?

There are high-risk occupations and then there are other careers that are associated with a lower risk than most. You have to find out where you fall on the risk spectrum when you’re comparing your insurance costs to the premiums that your loved ones pay.

While most healthcare workers do complete some college, your education level is a different factor that’s used to assess risk. In this area of risk assessment, your occupation can work for you or against you depending on your healthcare title.

Doctors may be on the top of the ladder for careers in healthcare, but they are also the highest risk drivers because of how stressful their jobs are. Doctors also lack the sleep that’s needed to drive safely.

Auto insurance for doctors is often cheaper because of their profession, but it can get more expensive because of the higher income bracket and likelihood to own a more expensive vehicle.

On the opposite end of the spectrum are the following healthcare professions:

  • nurses
  • first responders
  • administrative professionals in health care

Nurses are considered to be more careful drivers than doctors, however. That means you may get a better rate than the white coat you see every day.

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How does your education level affect your auto insurance rates?

Most professionals in the healthcare field will have a minimum of an associate’s degree. Since college degrees are common among healthcare workers, the fact that your level of education is a rating factor can be favorable.

Your level of education might not seem relevant but actuaries beg to differ. Some factors like income and race are discriminatory, but state regulators have approved the usage of education level to calculate rates.

To actuaries, people who have college degrees represent drivers who will file fewer claims against their coverage.

Auto Insurance Discounts For Healthcare Workers

One of the best things about shopping around for car insurance as a healthcare worker is that you can shop for professional auto insurance discounts. Not all companies offer occupational discounts or affinity discounts but many do.

You need to take the time to look for the added savings if you want to lower your premiums.

There are hundreds of different state and international professional associations that cater to the needs of healthcare professionals. From the AAHAM and the AHAP to the HCAA and ANA, there are member associations that advocate for professionals and advance the sector.

If you’re part of a healthcare association, you can enjoy some unique benefits. Most people focus on the professional benefits, but with most associations, you can get group insurance rates as a member.

If you’re a professional member, contact your local chapter and see what carrier your association is affiliated with so you can get special low rates.

COVID-19 has added some extra appreciation in many circles for healthcare workers. Places like CNN have compiled list of deals available exclusively to healthcare employees.

And don’t forget about typical auto insurance discounts that anyone can get. This video from Shine Insurance touches on a few of the most common ones.

There are always ways to save.

Your Commute Affects Your Auto Insurance Rates

If you drive your car to work, driving to and from your worksite can have an impact on your rates. You have to consider how your work-related vehicle usage will lead to higher premiums.

The lowest risk usage rate is a pleasure rate for a vehicle that won’t be used to commute to and fro work or school. 

Commuters come in second in terms of rating, but they can only drive to and from one location. If you go to more than one location throughout the week, you might be classified as a higher risk business user.

How Auto Insurance Companies Monitor Your Driving

If you buy a standard auto insurance policy, you have to disclose how often you drive and for what purposes you’re driving the car.

If you move to a new office or a new hospital, you may need to update your usage and mileage so that your rate can be recalculated during your term.

The insurance company won’t monitor your usage throughout the term because it can’t afford to pay people to keep track of you. At the end of the term, the insurer will look at your mileage and ask you about usage to update the rate.

If you want to get discounts for managing your driving, you may want to consider a telematics usage-based car insurance policy where a device is installed in your vehicle to monitor your driving.

Never lower your auto insurance limits and remove coverage just so that you can save money. You should always have sufficient insurance that will give you peace of mind.

Instead of changing your coverage, you should consider getting several healthcare worker quotes for coverage with other carriers.

If you want to get quotes for car insurance for healthcare professionals, do your best to save time in the process by using our online quoting tool.


  1. https://www.bls.gov/oes/current/oes290000.htm
  2. https://www.cnn.com/2020/04/24/cnn-underscored/coronavirus-healthcare-workers-deals-discounts/index.html

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