Can't-Miss Facts

  • Health care worker auto insurance rates with Geico are $151 per month or $1,812 per year
  • Higher stress levels and other factors may result in higher health care workers auto insurance rates
  • Auto insurance discounts are available to health care workers from some of the top auto insurance providers

Due to several factors, including the fact that health care workers tend to have a higher level of education, you can easily secure affordable health care worker auto insurance rates.

Since every auto insurance company is different, you may find specific insurance discounts that help you get even cheaper health care worker auto insurance rates with certain companies.

Read our guide now to learn where to buy health care worker auto insurance, how commute affects auto insurance rates, and who is offering the most competitive quotes.

Compare car insurance quotes right now with our free comparison tool above. Enter your ZIP code to get free quotes from companies in your area.

How much does auto insurance for health care workers cost?

When you compare auto insurance companies, looking at their rates is the best place to start. Every auto insurance company offers different products at varying rates for each policyholder, making the buying process a little strenuous. 

As per the National Association of Insurance Commissioners, the average annual auto insurance rate is $1,190, or around $100 per month.

Knowing the national average, here’s what you can expect in health care worker auto insurance rates with Geico.

GEICO Health Care Worker Auto Insurance Rates
Payment FrequencyHealth Care Worker Auto Insurance Rates

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As a health care worker, you can expect to pay anywhere around these two amounts for your auto insurance rates. While health care worker auto insurance rates with Geico are higher than the national average, you may still be able to pay less than you think.

A few other factors affect how insurance companies decide on your auto insurance rates, including:

  • Vehicle
  • Driving record
  • Gender
  • Commute mileage
  • Age
  • Coverage amount
  • Credit score
  • Education
  • Residence

For example, a middle-aged person with a clean driving record can expect to pay less than someone in their early 20s with multiple speeding tickets.

Comparing auto insurance rates from multiple companies and discussing your options with an agent will help you get the best car insurance for health care workers.

Why does being a health care worker affect auto insurance rates?

Providers consider different factors when determining whether a driver is high risk or low risk. For better or worse, employment is a factor auto insurance companies consider when deciding on your rates.

For example, a long commute time to work increases the chances of an accident and of you filing a claim. Therefore, if a health care worker frequently travels by car for work, that person may pay more for auto insurance.

Another factor that often influences auto insurance rates is a person’s level of education. According to the U.S. Bureau of Labor Statistics, most health care workers are required to have an Associate’s degree or higher.

Luckily, most auto insurance companies often offer education discounts that can lower your health care worker car insurance rates.

Additionally, job-related stress affects driving skills. Because health care workers carry a lot of responsibility for their patients’ well-being, they often experience a lot of stress. If you work in a stress-infused atmosphere, you are more likely to get into an accident and file a claim than someone else.

Regardless of which health care field you work in, comparing auto insurance rates from multiple companies is the best way to find health care worker auto insurance quotes that work for you.

How can you find the best deal on health care worker auto insurance?

Finding the best deal on health care worker auto insurance depends on your needs and your willingness to take time comparing rates.

Since there isn’t one specific health care worker auto insurance company, your best option is to shop around for coverage from multiple auto insurance companies in your area.

It may also benefit you to research what automobile insurance coverage options you need when looking for cheap health care worker auto insurance quotes. Don’t pay for coverage you likely will not use.

Interestingly, nurses are usually deemed safer drivers than doctors, which means that auto insurance for nurses may be cheaper than doctors’ auto insurance.

Auto insurance discounts for health care workers include good driver discounts and are available through most auto insurance providers. Look at the following table to see which top auto insurance providers offer discounts that may be available to health care workers.

Occupation-Based Discounts for Health Care Workers
Insurance CompanyOffers Further Education DiscountOffers Membership/Group DiscountOffers Occupation DiscountOffers Students & Alumni Discount
21st CenturyNoNoNoNoNo
American FamilyNoNoNoYesNo
Country FinancialNoYesNoNoYes
Liberty MutualYesYesYesYesYes
Safe AutoNoNoNoNoNo
State FarmNoNoNoNoNo
The GeneralNoNoNoNoNo
The HanoverNoYesYesNoYes
The HartfordNoYesYesNoNo

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Another helpful way for health care workers to limit their monthly auto insurance rates is to maintain a clean driving record and reduce their auto insurance claims.

Before you decide to buy a health care worker auto insurance policy, it’s always a good idea to shop around and discuss your options with an insurance agent before settling on an auto insurance policy. Call the number above to speak with a local agent today.

Health Care Worker Auto Insurance: The Bottom Line

Although car insurance for health care workers depends on different factors, you may be able to find it at a low cost.

As most companies consider education, commute mileage, gender, and more, it’s beneficial to know what to expect when you start comparing auto insurance quotes.

Some companies may have unadvertised discounts or programs available to you that will save you lots of money on your auto insurance rates, so speak up about your profession and ask about which car insurance discounts you qualify for.

Ready to compare health care worker auto insurance rates? Enter your ZIP code into our free tool below to get started with auto insurance quotes from companies near you.