Many insurers offer discounts to members of certain professions, including doctors. Because insurance companies consider medicine to be a relatively low-risk profession, doctors may be able to take advantage of discounts on car insurance. As a group, doctors save an average of 10% or $226 annually over the average driver.
If you work in the healthcare field, you can lower the cost of car insurance by taking advantage of discounts, shopping around among insurers, and carefully choosing the right coverage for your needs.
- Doctors pay 10% less for car insurance on average, which amounts to an annual savings of $226.
- Grange Mutual has the cheapest full coverage car insurance for doctors, averaging $1,046 per year or $87 per month.
- In order to find the best rates, take the time to shop around. Comparing rates gives drivers of every profession a chance to find the cheapest rates for their situation.
How a doctor’s work and lifestyle impact car insurance premiums
On average, doctors pay $1,884 annually for full coverage – 10% less than standard drivers. This amounts to an average annual premium savings of $226.
“Premiums are based on many factors like occupation, miles per year driven, driving day/night, town/city they live in, married/single, age of insured, intended use of car (e.g. rideshare), multiple vehicles/other lines, vehicle type and replacement cost, among others,” says Kevin Kramer, COO for Ignition Dealer Services. “The higher the risk, the higher the premiums and overall cost.”
Since most insurance companies consider doctors relatively low-risk drivers, lower insurance premiums are reflected in the rates. Generally, car insurance for healthcare professionals comes at a discounted rate.
Affordable car insurance companies for doctors
Every car insurance company has a slightly different method of determining premiums, which means drivers find different rates across various companies. Grange Mutual, Country Financial and Geico offer cheap car insurance for doctors.
The table below highlights the auto insurance companies with competitive rates for doctors:
| Company | Average annual cost | Average monthly cost |
|---|---|---|
| Automobile Club MI (AAA) | $2,382 | $199 |
| Country Financial | $1,555 | $130 |
| Geico | $1,609 | $134 |
| Grange Mutual | $1,046 | $87 |
| Mercury Insurance | $2,166 | $181 |
| Progressive | $2,126 | $177 |
| State Auto | $4,143 | $345 |
Car insurance rates by state for doctors in 2025
Auto insurance costs vary from state to state, which means the average cost of car insurance for medical professionals varies across states. Rates are cheapest in Maine, Ohio, Idaho and Vermont, whereas the most expensive states are New Jersey and Louisiana.
Use the table below to find average rates for doctors in your state.
| State | Average annual cost | Average monthly cost |
|---|---|---|
| Alabama | $1,660 | $138 |
| Arkansas | $1,879 | $157 |
| Arizona | $1,415 | $118 |
| Colorado | $1,864 | $155 |
| Connecticut | $1,418 | $118 |
| Washington, D.C. | $1,180 | $98 |
| Delaware | $1,663 | $139 |
| Florida | $2,689 | $224 |
| Iowa | $1,531 | $128 |
| Idaho | $1,113 | $93 |
| Illinois | $1,775 | $148 |
| Indiana | $1,222 | $102 |
| Kansas | $1,587 | $132 |
| Kentucky | $1,781 | $148 |
| Louisiana | $3,359 | $280 |
| Maryland | $2,390 | $199 |
| Maine | $952 | $79 |
| Minnesota | $1,985 | $165 |
| Missouri | $2,979 | $248 |
| Mississippi | $2,410 | $201 |
| Montana | $1,505 | $125 |
| North Carolina | $1,528 | $127 |
| North Dakota | $1,427 | $119 |
| Nebraska | $2,284 | $190 |
| New Hampshire | $1,441 | $120 |
| New Jersey | $3,538 | $295 |
| New Mexico | $1,587 | $132 |
| Nevada | $1,760 | $147 |
| New York | $1,883 | $157 |
| Ohio | $975 | $81 |
| Oklahoma | $2,132 | $178 |
| Oregon | $1,685 | $140 |
| Pennsylvania | $2,174 | $181 |
| Rhode Island | $1,956 | $163 |
| South Carolina | $2,010 | $168 |
| South Dakota | $2,743 | $229 |
| Tennessee | $1,902 | $159 |
| Texas | $2,808 | $234 |
| Utah | $1,553 | $129 |
| Virginia | $1,550 | $129 |
| Vermont | $1,116 | $93 |
| Wisconsin | $1,714 | $143 |
| West Virginia | $1,557 | $130 |
Car insurance discounts for doctors
Drivers, including doctors, can tap into a range of car insurance discount opportunities. Although discount details vary from insurer to insurer, the table below highlights average savings opportunities for common types of discounts:
| Discount type | Savings |
|---|---|
| Airbags | 2% |
| Anti-theft devices | 1% |
| Daily commute | 7% |
| Days advanced purchase | 7% |
| Days driven per week | 6% |
| Education | 7% |
| Electronic Funds Transfer | 4% |
| Electronic signature | 8% |
| Homeowner | 6% |
| Lower annual mileage | 6% |
| Loyalty | 9% |
| Marital status | 8% |
| Multi-policy | 9% |
| Paperless/Electronic Documents | 4% |
| Payment type | 9% |
| Primary use | 10% |
| Profession | 12% |
| Purchase status | 7% |
| Safety devices | 3% |
| Telematics | 10% |
| Vehicle ownership | 8% |
| Years insured | 19% |
| Years licensed | 28% |
Discounts for medical professionals
Key factors influencing car insurance rates for medical professionals
Car insurance companies consider several details when determining car insurance rates for all drivers, including car insurance for nurses, doctors, and other healthcare professionals.
Take a look at the key factors that impact car insurance costs below:
- Location: Where you live impacts your car insurance premiums. Drivers in bustling cities with traffic congestion tend to pay more for coverage than those in rural settings.
- Driving record: A clean driving record often leads to a lower car insurance premium. Doctors with a speeding ticket can expect higher rates.
- Age. Mature drivers with experience behind the wheel tend to pay less for coverage. After finishing their education, most doctors have enough driving experience to enjoy lower rates.
- Your vehicle: If you spring for a luxury car, it will likely cost more to insure. After all, the vehicle’s repair costs are higher.
- Coverage level: Although medical professionals can opt for coverage to meet minimum requirements, protecting your wallet with a full coverage policy is wise.
Your credit is another factor to keep in mind.
“Improving your credit score will have a direct correlation to your insurance score, which will also lower your rate,” says Benjamin Bruinekool, principal at Western Michigan Insurance Agency, LLC.
Notably, this practice isn’t allowed in all states: California, Hawaii, Michigan and Massachusetts
Don’t allow credit scores as a rating factor.
How healthcare workers can save on car insurance rates
Since no one wants to overpay for auto insurance, doctors can use the following strategies to minimize their rates:
- Shop around: Since every insurer charges slightly different rates, comparing car insurance quotes across multiple companies helps you find the cheapest rates for your situation.
- Seek out discounts: Most insurance companies offer car insurance discounts. You might score a discount based on your profession, alumni club participation or professional association membership. It never hurts to ask if you are eligible for a discount.
- Bundle policies: When you buy multiple insurance products, like home insurance or life insurance, through the same company, you’ll likely score a discount.
- Raise your deductible: A higher deductible often leads to a lower insurance premium. For those with money available to cover a higher deductible at any time, opting for a higher deductible can help you lock in lower car insurance premiums.
Other medical professionals can use the tips above to lock in auto insurance discounts. For example, car insurance discounts for nurses are also common.
Final thoughts
On average, physicians pay less for auto insurance than people in other occupations because carriers consider healthcare to be a low-risk profession. No matter what you do for a living, you can lower your car insurance cost by shopping around and seeking discounts.
Resources & Methodology
Sources
- Insurance Information Institute, “What determines the price of an auto insurance policy?” Accessed February 2025.
- Texas Department of Insurance “Ways to save money on car insurance.” Accessed February 2025.
Methodology
CarInsurance.com commissioned Quadrant Information Services in 2022 to field rates for drivers with full coverage car insurance in 4,686 ZIP codes across the U.S. Percentages are rounded to the nearest whole number.
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