Car Insurance for Home-CareWorkers

How home-care workers can find auto insurance at a reasonable price. It’s good to take your time when shopping for insurance coverage to make the best decision for your unique situation as a home-care worker.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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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...

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Reviewed by Joel Ohman
Founder & CFP® Joel Ohman

UPDATED: May 19, 2022

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Here's what you need to know...

  • On average, home-care workers pay around $172 a month for auto insurance
  • Home health care workers may find that some insurers consider their occupation high-risk for several reasons
  • Home-care workers may be eligible for auto insurance discounts

If you are a home nurse, personal care provider, or another home-care worker, you know how stressful the job can be.

The last thing you may be thinking about as a home-care worker is how to find cheap car insurance coverage. However, home-care providers have a lot to consider when it comes to car insurance, especially concerning cost and coverage options.

Compare car insurance quotes today to make sure you’re not overpaying for coverage!

What kind of car insurance do home-care workers need?

Regardless of where you live, you must carry a certain amount of liability coverage to drive legally. As a home-care worker, it’s good to consider purchasing additional coverages for your vehicle, especially if you drive a lot or transport clients.

The table below shows different coverage options available to home-care providers with several companies.

Car Insurance Coverage Options
Coverage TypeCoverage 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.
CollisionIf 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.
ComprehensiveLike 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 ProtectionNearly 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 ReimbursementIf 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 AssistanceThis 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 InsuranceIf 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 InsuranceIf 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 CoverageIf 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 CoverageThe changes you make to modify your vehicle won't be considered in your vehicle value unless you add this coverage.
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In most cases, you’ll want to consider getting collision and comprehensive coverage. A roadside assistance plan may also be suitable for added protection if you drive a great deal for work — especially at night.

Additionally, personal injury protection and medical payments coverage are essential if you regularly transport clients from their homes to a doctor’s office or other appointments.

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How much is car insurance for home-care workers?

Care worker insurance rates can vary for several reasons. Insurance companies take several factors into account when developing rates for potential policyholders. For example, some care workers may be considered high risk because of the time of day they work, the stress of their job, and how much they drive.

Other factors that can potentially impact car insurance rates for home-care providers include:

  • Age
  • Driving history
  • Credit score
  • ZIP code
  • Gender
  • Annual mileage
  • Marital status
  • Claims history
  • Vehicle
  • Coverage level

On average, home health providers pay around $172 per month for auto insurance coverage. However, in some cases, you could pay close to $235 per month if you have a poor driving history, low credit, or if the nature of your job as a home-care worker is high risk.

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 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
  • Occupation
  • 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. Your current provider may not offer much in terms of discount options. In that case, you may want to consider switching providers.

Shopping for the Best Car Insurance for Home Health Care Workers

If you’re new to purchasing car insurance or considering changing your current insurance provider, the best thing to do is find and compare auto insurance quotes from multiple companies in your area.

Comparing quotes allows you to determine which companies offer the coverage types you want at a price that fits your budget. 

Once you find an insurance provider you think might work, you can call the company directly to speak with an agent. Ask about any discounts you may qualify for, and ensure the quoted price is the most you’ll pay for monthly or annual coverage.

Don’t get discouraged if it takes a while to find a company you like. It’s good to take your time when shopping for insurance coverage to make the best decision for your unique situation as a home-care worker.

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Auto Insurance for Home-Care Workers: The Bottom Line

As a home-care worker, you deal with a lot. Taking care of someone else is a big responsibility, and your job may cause stress. The last thing you want to do is stress about your car insurance coverage too.

To trust that you have the safety and protection you need, consider purchasing a full coverage policy that includes collision and comprehensive coverage. In addition, you may want to consider adding personal injury protection and medical payments coverage to your policy for added protection.

If you find that your auto insurance rates as a home-care provider are higher than they should be, ask your current insurance company about discount options, and don’t be afraid to shop around for coverage with another provider.

Purchasing the best car insurance for home health care providers doesn’t have to be complicated. You may be pleasantly surprised by the options you find. 

Use our online rate quote tool and find affordable home care worker insurance today.

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