Best Car Insurance for Doctors (2025)
Progressive, Farmers, and Liberty Mutual are some of the car insurance companies that offer discounts for doctors.
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Whether you’re just starting your medical career as a doctor and need affordable car insurance while paying off student loans, or you’re more established and need to protect yourself from financial losses caused by accidents, choosing the right car insurance is important.
Many car insurance companies offer discounts specifically for doctors, which can lower your car insurance rates even more. Here’s what you should know about car insurance discounts for doctors.
Quick Facts
Many insurers have affinity programs that provide discounts to members of certain groups.
Doctors should consider carrying higher liability limits than the state minimums.
You can reduce your car insurance costs by maintaining a clean driving record.
Best car insurance companies for doctors
The best car insurance company for one doctor might not be the best company for another. Insurers use many factors to set rates, including your age, gender, ZIP code, car type, and coverage levels.
If you’re looking for car insurance as a doctor, the companies below are a great place to start your search.
Progressive: Best for optional coverage
Farmers: Best for discounts
Liberty Mutual: Best for safe drivers
Travelers: Best for financial strength
Plymouth Rock: Best for personalized service
To choose the best car insurance companies for doctors, we compared insurers’ rates, relevant discounts, nationwide availability, and our Insurify Quality (IQ) Scores, which measure overall company health and customer satisfaction. The companies we selected offer relatively low rates compared to competitors and provide relevant discounts, such as affinity group, loyalty, and multi-policy discounts.
Car insurance discounts for doctors
Farmers, Liberty Mutual, Progressive, and Travelers are a few companies that offer car insurance discounts to doctors and medical professionals. Discounts vary by insurer, but here are some common ones you might be able to take advantage of:
Professional organization discounts: Some professional organizations offer auto insurance discounts to members. If you belong to a national doctors’ association or another professional organization, you might qualify for a discount on your auto insurance policy. Check with the American Medical Association (AMA) and other organizations to see if you can get a professional discount.
Occupation discounts: Some insurers offer special discounts for people in certain professions, including healthcare. For example, the AMA partners with Liberty Mutual to offer discounted auto and home insurance rates to member physicians.[?]
Bundling discounts: You can also get car insurance savings by bundling your policy with another type of insurance policy. For example, getting home insurance or life insurance from the same company can result in a lower overall premium.
Vehicle safety feature discounts: If you have safety features in your vehicle, like anti-theft devices or anti-lock brakes, you might be able to get a discount.
Safe driving discounts: Many insurers offer discounts to people who go accident-free or don’t file any claims for a certain period of time.
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Average cost of car insurance for doctors
The national monthly average for full-coverage car insurance is $177, and liability-only coverage is $100, according to Insurify data.
Doctors who belong to certain professional organizations or qualify for discounts could pay lower car insurance rates than the nationwide averages. But many factors affect the price you’ll pay for coverage, including your age, ZIP code, car, and coverage levels.
Average cost of car insurance for doctors by company
When looking for the best car insurance coverage, it helps to compare different companies. The table below shows full-coverage and liability-only quotes from top insurance companies. The rate you pay as a doctor could be higher or lower depending on your unique driver profile.
The below rates are estimated rates current as of: Friday, October 31 at 5:00 PM PDT.
Insurance Company  | Average Quote: Liability Only | Average Quote: Full Coverage | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. |
|---|---|---|---|
| COUNTRY Financial | $40 | $72 | $9 |
| Auto-Owners | $45 | $78 | $8 |
| USAA | $52 | $99 | $9 |
| State Farm | $56 | $109 | $9 |
| NJM | $63 | $94 | $9 |
| Mile Auto | $68 | $110 | $9 |
| Allstate | $74 | $139 | $9 |
| American Family | $79 | $148 | $9 |
| Erie | $80 | $121 | $8 |
| Commonwealth Casualty | $86 | $208 | $6 |
| Safeco | $88 | $142 | $8 |
| Root | $90 | $151 | $8 |
| Dairyland | $91 | $273 | $8 |
| GEICO | $91 | $139 | $9 |
| The General | $94 | $180 | $7 |
| Direct Auto | $95 | $163 | $8 |
| Mercury | $95 | $163 | $8 |
| National General | $95 | $177 | $7 |
| Nationwide | $96 | $180 | $9 |
| Travelers | $99 | $186 | $9 |
| Bristol West | $101 | $207 | $7 |
| Progressive | $101 | $173 | $9 |
| GAINSCO | $103 | $218 | $8 |
| Farmers | $110 | $213 | $9 |
| Anchor | $112 | $169 | $6 |
| Elephant | $118 | $172 | $9 |
| Chubb | $119 | $215 | $7 |
| CSAA | $125 | $156 | $9 |
| AssuranceAmerica | $127 | $238 | $6 |
| 21st Century | $131 | $233 | $7 |
| Clearcover | $143 | $196 | $7 |
| Shelter | $148 | $229 | $8 |
| State Auto | $148 | $253 | $7 |
| Liberty Mutual | $161 | $218 | $8 |
| The Hartford | $161 | $243 | $8 |
| Amica | $287 | $432 | $9 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Average cost of car insurance for doctors by state
The table below shows average car insurance costs for liability and full coverage by state. These rates aren’t specific to doctors, but they could give you an idea of what you might pay depending on where you live.
State | Average Quote: Liability Only | Average Quote: Full Coverage |
|---|---|---|
| Alabama | $65 | $130 |
| Arizona | $93 | $156 |
| Arkansas | $82 | $154 |
| California | $93 | $200 |
| Colorado | $93 | $196 |
| Connecticut | $168 | $248 |
| Delaware | $157 | $228 |
| Florida | $155 | $205 |
| Georgia | $159 | $246 |
| Hawaii | $59 | $129 |
| Idaho | $62 | $101 |
| Illinois | $80 | $149 |
| Indiana | $67 | $126 |
| Iowa | $53 | $99 |
| Kansas | $76 | $145 |
| Kentucky | $115 | $183 |
| Louisiana | $104 | $189 |
| Maine | $81 | $142 |
| Maryland | $185 | $275 |
| Massachusetts | $105 | $147 |
| Michigan | $137 | $211 |
| Minnesota | $90 | $161 |
| Mississippi | $66 | $134 |
| Missouri | $90 | $173 |
| Montana | $65 | $137 |
| Nebraska | $70 | $132 |
| Nevada | $155 | $237 |
| New Hampshire | $53 | $85 |
| New Jersey | $174 | $259 |
| New Mexico | $68 | $134 |
| New York | $168 | $182 |
| North Carolina | $64 | $91 |
| North Dakota | $66 | $113 |
| Ohio | $69 | $118 |
| Oklahoma | $83 | $164 |
| Oregon | $90 | $140 |
| Pennsylvania | $91 | $149 |
| Rhode Island | $146 | $215 |
| South Carolina | $162 | $230 |
| South Dakota | $59 | $136 |
| Tennessee | $66 | $131 |
| Texas | $120 | $212 |
| Utah | $97 | $142 |
| Vermont | $62 | $137 |
| Virginia | $110 | $176 |
| Washington | $93 | $165 |
| Washington, D.C. | $217 | $308 |
| West Virginia | $81 | $146 |
| Wisconsin | $59 | $112 |
| Wyoming | $55 | $101 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Factors that affect car insurance for doctors
The cost of car insurance for doctors can vary greatly depending on factors such as driver history, age, credit, and more.[?] By understanding these factors and shopping around for quotes from different insurers, you can find an affordable policy that meets your needs.
Driving record: Insurance companies consider driving records when setting rates. People with more violations or accidents often pay higher rates than people with clean driving records.
Type of vehicle: The type of car you insure affects your rates because insurance companies consider the cost of repairs and how much it would cost to replace the vehicle if it’s totaled.
Location: Where you live and park your car at night affects your rate because insurance companies consider risks associated with your ZIP code. Areas with higher rates of car accidents, vandalism, and theft typically have higher insurance premiums.
Age: As a general rule, drivers younger than 25 typically pay higher rates than older drivers. Insurers consider them higher-risk because they have less experience behind the wheel and often engage in more risky behaviors, such as excessive speeding or texting and driving.
Gender: While many states have outlawed gender-based pricing (also known as gender rating), some insurers still charge higher premiums to certain genders based on the perceived risk associated with each. On average, women pay lower rates than men due to their safer driving habits.
Miles driven per year: The more miles you put on your car in a year, the higher your chances are of being involved in an accident, which can lead to higher premiums.
Credit: Many insurers consider your credit history to help determine your risk profile and set their rates accordingly. Drivers with better credit scores typically qualify for lower rates than drivers with lower scores.
Discounts: Common discounts include having multiple policies with the same insurer, installing a car alarm, and safe driving.
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Types of car insurance for doctors
Car insurance for doctors typically includes the same coverage as any standard auto policy:
How doctors can save money on car insurance costs
You can lower your car insurance premiums as a doctor in several ways, including:[?]
Practice safe driving habits. Insurance companies usually offer lower rates to people with no tickets or accidents on their records. Practice safe driving habits, such as obeying speed limits and defensive driving.
Bundle policies. Many insurance companies offer discounts when you purchase multiple policies with them. Consider bundling your auto and home insurance with the same company for a discount.
Take a higher deductible. A car insurance deductible is the amount you must pay out of pocket before your insurer pays for any damages resulting from an accident or covered claim. The higher the deductible, the lower your monthly premiums, since the insurer won’t have to cover as much of the cost of a claim.
Maintain a good credit score. Most insurance companies use a driver’s credit history as a way to measure risk. They see drivers with higher credit scores as likely to file fewer claims, so they typically charge these drivers lower premiums.
Participate in a telematics program. Telematics programs require you to install a device in your car to track your driving habits. The device collects data on your speed, braking, and the time of day you drive, which insurers use to determine your risk profile. Drivers who exhibit safe habits may qualify for lower rates.
Comparison shop. Different insurers offer different rates for the same coverage, so it pays to compare quotes from various companies before committing to a policy.
Car insurance for doctors FAQs
To help you find the best coverage at an affordable price, check out this additional information about car insurance for doctors.
What’s the average cost of car insurance for doctors?
Drivers across the U.S. pay monthly averages of $177 for full coverage and $100 for liability coverage, Insurify data shows.
Doctors who belong to certain professional organizations or qualify for discounts could pay lower car insurance rates than the nationwide averages. But many factors affect the price you’ll pay for coverage, including your age, ZIP code, car, and coverage levels.
What companies offer car insurance discounts for healthcare workers?
Farmers, GEICO, Liberty Mutual, and Travelers are some of the companies that offer discounts for medical professionals.
Many insurers offer special discounts for certain professions, including healthcare workers, or for members of professional associations, such as the American Medical Association. Check with your insurance company to see if you’re eligible for any discounts specifically for doctors.
Do doctors get cheaper car insurance?
It depends. Insurance companies might consider your education level when determining your rates.
But many factors affect the rates you’ll receive, so comparing quotes from multiple companies is always the best way to find a policy that meets your needs and fits within your budget.
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