Best Car Insurance for Doctors (2025)

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.

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

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.1

• 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.

Average cost of car insurance for doctors

The national monthly average for full-coverage car insurance is $182, and liability-only coverage is $103, 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.

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.

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.4 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.

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:5

• 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