Best Car Insurance for Nurses (2025)
Farmers, Liberty Mutual, and Travelers are just a few companies that offer car insurance discounts for nurses through affinity group programs.
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Shopping for car insurance can feel tedious, but if you’re a nurse, you may be in for some good news. That’s because some auto insurance companies offer discounts to healthcare workers, including nurses.
Here’s what you need to know about car insurance for nurses and how you can save on an auto policy.
Quick Facts
Some car insurance companies offer special discounts for medical professionals and people affiliated with certain organizations.
Nationwide, Travelers, and Safeco offer some of the cheapest full-coverage policies for nurses.
Regardless of your chosen career field, comparing quotes from multiple insurers is the best way to find a policy that meets your budget and needs.
Best car insurance companies for nurses
As you begin your search for car insurance, the following companies might be good choices for coverage.
Travelers: Best for financial strength
Progressive: Best for coverage options
Nationwide: Best for safe drivers
Farmers: Best for discounts
Safeco: Best for low rates
To choose the best car insurance companies for nurses, 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 nurses
You may be able to get certain car insurance discounts if you’re a nurse, including:
Occupation discounts: Some insurance companies offer an occupational discount for healthcare workers, such as nurses. Ask your insurance company if it offers this type of discount.
Professional organization discounts: Some professional organizations offer auto insurance discounts to members. If you’re a nurse belonging to a national nurses’ association or another professional organization, you might qualify for a discount on your auto insurance policy. Check with the American Nurses Association and other organizations to see if you can get a professional discount.
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.
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.
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.
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Average cost of car insurance for nurses
The national monthly average for full-coverage car insurance is $177, and liability-only coverage is $100, according to Insurify data.
Nurses 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 pay for coverage, including your age, ZIP code, car, and coverage levels.
Average cost of car insurance for nurses 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 could be higher or lower depending on your unique driver profile.
Insurance Company  | Liability Only | 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. |
|---|---|---|---|
| State Auto | $116 | $226 | 7.1 |
| National General | $122 | $208 | 7.0 |
| Safeco | $127 | $197 | 8.1 |
| Travelers | $147 | $181 | 8.5 |
| Direct Auto | $179 | $220 | 8.3 |
| Liberty Mutual | $220 | $277 | 7.7 |
| Nationwide | $230 | $178 | 9.0 |
| The General | $239 | $337 | 7.1 |
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 nurses by state
The table below shows average car insurance costs for liability and full coverage by state. These rates aren’t specific to nurses, 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 costs for nurses
Insurers commonly consider these factors when setting car insurance rates:[?]
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How nurses can save money on car insurance
In addition to nurse-specific discounts, you have multiple other ways to save money on your car insurance costs. Here are some different ways to get discounts:[?]
Ask about standard discounts. Many insurance companies offer standard discounts if you have multiple cars, bundle other types of insurance, or use paperless billing.
Consider telematics. If you’re willing to use in-car tracking devices to monitor your driving, you could get a discount based on the results.
Maintain a good driving record. One of the best ways to see insurance savings is through a good driving record. Avoid tickets and accidents, and you’ll get a better rate.
Compare car insurance quotes. Don’t forget to compare quotes from three to five companies to get the best rate. Shop around regularly to make sure you’re still getting a good deal.
Car insurance for nurses FAQs
If you’re looking for car insurance as a registered nurse, you might be able to get special discounts. Here’s what you need to know about getting a lower auto rate.
What professional organizations offer car insurance discounts for nurses?
Some professional organizations that offer car insurance discounts for nurses include the American Nurses Association; the Association of Women’s Health, Obstetric and Neonatal Nurses; and the American Society of Registered Nurses.
If you belong to a nursing organization, check if it offers its members a partnership with an insurance company to give nurses a discount.
What car insurance companies offer discounts for nurses?
GEICO, Farmers, Nationwide, and Travelers are some insurers offering discounts for nurses. Check if your company offers an occupation-based discount for nurses.
Which company has the cheapest car insurance for nurses?
In general, Safeco, USAA, and State Farm have some of the cheapest car insurance for nurses. While being a nurse can get you savings on car insurance, each insurer has different discounts, so ask your insurance company which ones are available.
Which state has the cheapest auto insurance rates for nurses?
While different factors are involved, some states have lower rates for nurses. Ohio and Illinois have some of the cheapest rates for liability-only and full-coverage car insurance.
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