Compare Home-Care Worker Car Insurance Rates [2023]
Home-care workers can find auto insurance at a reasonable price. Read this guide to learn more about your coverage options and the rates you should expect to pay as a home-care provider.
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Joel Ohman
Founder & CFP®
Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...
Founder & CFP®
UPDATED: Jun 17, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Jun 17, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Home-care workers pay around $172 a month on average for car insurance
- Home-care workers may find that some insurers consider their occupation high-risk
- If you work in home health care, you may be eligible for discounts on your auto insurance coverage
If you’re a home nurse, personal care provider, nanny, or another type of home-care worker, your job can be highly stressful.
The last thing you may be thinking about as someone who works as a home health care provider is whether you will be able to find cheap car insurance coverage based on your occupation.
However, car insurance for home-care workers comes with lots of things to think about, especially cost and coverage options.
Keep reading to see how much home-care workers pay for car insurance and how they can save on monthly rates.
Car Insurance for Home-Care Workers
Your occupation can affect car insurance, but there are other factors that will probably affect it more. No matter where you live, you must carry a certain amount of liability coverage on your vehicle to drive legally. As a home-care professional, you may want to consider additional car insurance coverages for your car, especially if you commute to work a lot or transport clients in your vehicle.
The table below shows the different types of car insurance available to home health care workers.
Coverage Type Coverage Details
Liability Raising your liability limits doesn't cost much and can give you great protection and peace of mind. To give you an idea, increasing your total liability coverage from $100,000 to $300,000 costs about 20% more.
Collision If you have a loan for your vehicle or lease it, you must carry collision. If you own your vehicle outright and it has value you need to protect, you should purchase this option.
Comprehensive Like collision, you must have comprehensive when you have a loan or a lease. It will provide financial protection for your vehicle when it gets damaged by non-collision events like hail, vandalism, and theft.
Personal Injury Protection (PIP) This option will pay your own injuries from an accident, including lost wages.
Medical Payments (MedPay) Like PIP, MedPay covers your injury costs but doesn't have as wide a scope.
Uninsured/Underinsured Motorist Protection Nearly 15% of drivers are uninsured. If they cause an accident with you, you'll be left to pay for your damages unless you have this coverage.
Guaranteed Auto Protection (GAP) A car loses value as soon as you drive it off the lot. You may be in a position where you owe more to the bank for your loan than your vehicle is worth. GAP will pay the difference between value and what you owe if your car gets totaled.
Personal Umbrella Policy (PUP) With PUP, you can have an "umbrella" of added coverage over homeowner's coverage and auto coverage.
Rental Reimbursement If your car gets totaled or damaged in an accident, how will you get to work? If you'd need a rental car, this option might be right for you.
Roadside Assistance This option is available through your car insurance company, and also through several driving clubs. Compare to see which would be best for your situation.
Mechanical Breakdown Insurance If you're considering an extended warranty for your new car, keep in mind that mechanical breakdown insurance is another option to consider.
Pay-as-you-go or Usage-Based Insurance If you're willing to give up some privacy and let your insurance company monitor your driving habits, you could save some money on coverage, especially if your drive few miles a year.
Non-Owner Coverage If you borrow or rent a car frequently, or have a hard time getting regular coverage due to an SR-22 requirement, this could be a good option to ensure you're covered when you drive.
Modified Car Insurance Coverage The changes you make to modify your vehicle won't be considered in your vehicle value unless you add this coverage.
When it comes to auto insurance as a home-care provider, you should consider purchasing collision, comprehensive, and liability coverages. If you drive a lot for your job, a roadside assistance option could be an excellent idea for you as well.
Many home-care professionals value personal injury protection (PIP) insurance and medical payments (MedPay). Both offer added protection for you and anyone you may be transporting in your vehicle.
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How much does car insurance for home-care workers cost?
Home health insurance rates vary for several reasons.
All insurance companies consider several factors when developing rates for their clients. Because of this, some care workers may be considered high risk because of the stress their job can cause, when and where they drive, or how often they drive at night.
There are additional factors that impact most people’s car insurance rates. Some of these factors include:
- Coverage types
- Age
- Driving history
- Vehicle
- Claims history
- ZIP code
- Occupation
- Gender
- Marital status
- Annual mileage
The average amount home health workers pay for auto insurance per month is around $172. However, this number fluctuates as some home-care employees pay nearly $250 a month for coverage while others pay less than $100.
How can home-care providers get cheaper auto insurance?
One of the best ways to find cheap car insurance coverage is to ask about specific car insurance discounts. Depending on how long you’ve been with your insurance company, the type of car you drive, and more, you may be able to find discounts that help you save a great deal on coverage.
Some of the most common auto insurance discounts available include:
- Bundling and multi-policy
- Loyalty
- Paid-in-full
- Automatic draft
- Paperless
- Good driving
- Defensive driving
- Low-mileage
- Good student
- Military
- Safety devices
If you believe one or more of these discounts apply to you, speak to your current auto insurance provider and ask whether you’re eligible. Some companies also provide occupational discounts. You will have to contact your provider to see if they have an occupational discount that applies to you. Unfortunately, your current provider may not offer much in terms of discount options. In that case, you may want to consider switching providers.
What are the best insurance companies for home-care workers?
Companies vary in how they handle auto insurance policies. As a result, the best car insurance company for one individual in the home health care profession may not be the best company for someone else in the same industry.
However, some companies tend to offer the best deals on coverage for home-care workers. These companies include:
- Metromile
- Farmers
- Kemper
- Travelers
- Progressive
- Safeco
- AssuranceAmerica
- Safe Auto
- Nationwide
- Liberty Mutual
If any of the companies above interests you, you can call and ask a representative for more information or visit the company website to get a quote. Depending on what you’re looking for, car insurance quotes from different companies could be a great way to decide on your next insurance provider.
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How can home-care providers find auto insurance coverage?
Before purchasing an auto insurance policy as a home health care professional, find and compare car insurance quotes from several companies near you.
When comparing auto insurance quotes, you can find the companies in your area with the coverage types you want and prices that work for you.
You can also call and speak to a representative with any company you consider. Ask about discounts that could work for you, and ensure the quoted price won’t change with hidden fees.
When you consider purchasing an auto insurance policy, it can take a while to find the best option. Don’t worry if you feel like you’re spending a lot of time hunting for the perfect policy. You’ll be happy you did when you find the best car insurance for home health care workers.
Auto Insurance for Home-Care Workers: The Bottom Line
Taking care of another person is an enormous responsibility. As a home health care provider, you may find that your career is a bit stressful, and the last thing you want is to add more stress when it comes to car insurance.
You can purchase a full coverage policy as a home-care worker to ensure you’re safe and protected in virtually every circumstance. In addition, you may want to consider PIP and MedPay options, primarily if you regularly transport patients or clients.
Though you may have low rates with your current car insurance company, the only way to know is to shop around and compare quotes from other providers. In the end, your best option is the company that works with you to provide helpful coverage at a price you can afford.
Frequently Asked Questions
What types of car insurance coverages should home-care workers consider?
Home-care workers should consider collision, comprehensive, liability, personal injury protection (PIP), and medical payments (MedPay) coverages.
How much does car insurance for home-care workers cost?
On average, home-care workers pay around $172 per month for car insurance, but costs can vary from under $100 to nearly $250 per month.
How can home-care providers get cheaper auto insurance?
Home-care providers can get cheaper auto insurance by taking advantage of available discounts, such as safe driver discounts, multi-policy discounts, and occupational discounts.
What are the best insurance companies for home-care workers?
Some insurance companies known for offering competitive rates for home-care workers include GEICO, Progressive, and State Farm.
How can home-care providers find auto insurance coverage?
Home-care providers can find auto insurance coverage by comparing quotes from multiple insurance companies, considering coverage options, and asking about discounts.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
Secured with SHA-256 Encryption
Joel Ohman
Founder & CFP®
Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...
Founder & CFP®
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.