Best Car Insurance for Healthcare Workers in 2024 (Top 10 Companies)
Compare best companies for healthcare worker car insurance rates with State Farm, USAA, and Progressive stand out as top choices among insurers. Their competitive offerings underscore the potential advantages of having a college education.
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Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
UPDATED: Apr 25, 2024
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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: Apr 25, 2024
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
Company Facts
Average Monthly Rate For Good Drivers
A.M. Best Rating
Complaint Level
Pros & Cons
Company Facts
Average Monthly Rate For Good Drivers
A.M. Best Rating
Complaint Level
Company Facts
Average Monthly Rate For Good Drivers
A.M. Best Rating
Complaint Level
The average cost of the annual car insurance premiums for a healthcare worker in the United States is $1212.75 each year. This cost will vary between healthcare workers depending on several factors, which means that you may be paying more or less than what you see here.
Company | Rank | See Pros/Cons | Healthcare Worker Discount | Multi-Vehicle Discount | Best for |
---|---|---|---|---|---|
#1 | State Farm | Up To 10% | Up To 15% | Policy Options | |
#2 | USAA | Up To 12% | Up To 20% | Tailored Coverage | |
#3 | Progressive | Up To 15% | Up To 17% | Online Convenience | |
#4 | Allstate | Up To 13% | Up To 18% | Big Discounts | |
#5 | Liberty Mutual | Up To 8% | Up To 14% | 24/7 Support | |
#6 | Farmers | Up To 11% | Up To 16% | Vanishing Deductible | |
#7 | Nationwide | Up To 9% | Up To 13% | Accident Forgiveness | |
#8 | Esurance | Up To 10% | Up To 15% | Bundle Discounts | |
#9 | Travelers | Up To 7% | Up To 12% | Customer Service | |
#10 | American Family | Up To 11% | Up To 14% | Add-on Coverages |
One of the factors that will determine how much you pay for your auto insurance as a healthcare worker is whether you have a college education. Enter your ZIP code above to get your FREE online auto insurance quotes right now!
A healthcare worker is a very general term and includes anyone who works in the healthcare field outside of doctors and nurses. This could include:
- orderlies
- registration personnel
- healthcare billing personnel
These different roles might require different education levels. For example, an orderly doesn’t have any education requirements and only needs to have graduated from high school or acquired a GED.
Someone who works with insurance, however, may be required to have a college education.
Most insurance companies offer lower rates to those with college degrees, so while both careers may be in the healthcare category, this additional education will benefit healthcare workers in terms of insurance premiums.
#1 – State Farm: Policy Options
State Farm stands out as a top choice for healthcare workers with its balanced combination of affordability, comprehensive coverage, and customizable policy options
Brad Larson Licensed Insurance Agent
Pros
- Policy options: State Farm stands out as the best for offering a variety of policy options, allowing healthcare workers to tailor their coverage to their specific needs.
- Healthcare worker discount: State Farm provides a competitive healthcare worker discount of up to 10%, helping to reduce insurance costs for individuals in the healthcare profession.
- Multi-vehicle discount: With a multi-vehicle discount of up to 15%, State Farm offers additional savings for healthcare workers insuring more than one vehicle.
Cons
- Discount limitations: While State Farm offers a healthcare worker discount, it’s capped at 10%, which may be lower compared to some other providers.
- Online convenience: State Farm may not be the top choice for those seeking a seamless online experience, as its emphasis on in-person agents may limit online convenience.
Read more: State Farm Car Insurance Review
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#2 – USAA: Tailored Coverage
Pros
- Tailored coverage: USAA excels in providing tailored coverage, understanding the unique needs of healthcare workers and offering customized insurance solutions.
- Healthcare worker discount: With an impressive healthcare worker discount of up to 12%, USAA provides substantial savings for individuals in the healthcare field.
- Multi-vehicle discount: USAA offers a multi-vehicle discount of up to 20%, making it an attractive option for healthcare workers with more than one vehicle.
Cons
- Membership eligibility: USAA membership is limited to military members and their families, excluding a significant portion of the healthcare worker population.
- Availability constraints: USAA may not be available to everyone, as eligibility is restricted, potentially limiting choices for healthcare workers who don’t meet membership criteria.
Read more: USAA Car Insurance Review
#3 – Progressive: Online Convenience
Pros
- Online convenience: Progressive is recognized for its online convenience, making it easy for healthcare workers to manage their policies, file claims, and access information from anywhere.
- Healthcare worker discount: Offering a healthcare worker discount of up to 15%, Progressive provides substantial savings for individuals in the healthcare profession.
- Multi-vehicle discount: With a multi-vehicle discount of up to 17%, Progressive caters to healthcare workers with multiple vehicles, ensuring cost-effective coverage.
Cons
- Coverage limitations: While Progressive excels in online convenience, some healthcare workers may find that it lacks certain policy options or coverage depth compared to other providers.
- Customer service: Progressive’s customer service may not be as highly rated as some competitors, potentially leading to a less satisfactory experience for healthcare workers seeking excellent support.
Read more: Progressive Car Insurance Review
#4 – Allstate: Big Discounts
Pros
- Big discounts: Allstate is recognized for offering substantial discounts, with healthcare workers benefiting from up to 13% off, making it an attractive option for cost-conscious individuals.
- Multi-vehicle discount: Allstate provides a significant multi-vehicle discount of up to 18%, appealing to healthcare workers with more than one vehicle and offering additional savings.
- Coverage options: Allstate is known for providing a wide range of coverage options, allowing healthcare workers to customize their policies to meet specific needs.
Cons
- Healthcare worker discount limit: While Allstate offers a healthcare worker discount, it may not be as high as some competitors, potentially limiting the extent of savings for healthcare professionals.
- Customer service: Some customers have reported less-than-optimal experiences with Allstate’s customer service, which may be a consideration for healthcare workers seeking excellent support.
Read more: Allstate Car Insurance Review
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#5 – Liberty Mutual: 24/7 Support
Pros
- 24/7 support: Liberty Mutual stands out for its commitment to customer support, providing 24/7 assistance, which can be valuable for healthcare workers with non-traditional work hours.
- Multi-vehicle discount: With a multi-vehicle discount of up to 14%, Liberty Mutual offers additional savings for healthcare workers insuring more than one vehicle.
- Coverage options: Liberty Mutual provides a variety of coverage options, allowing healthcare workers to tailor their insurance policies to their unique needs.
Cons
- Healthcare worker discount: The healthcare worker discount offered by Liberty Mutual is up to 8%, which may be comparatively lower than some competitors.
- Online experience: Liberty Mutual’s online experience may not be as user-friendly or seamless as some other providers, potentially impacting the convenience for tech-savvy healthcare workers.
Read more: Liberty Mutual Car Insurance Review
#6 – Farmers: Vanishing Deductible
Pros
- Vanishing deductible: Farmers Insurance offers a vanishing deductible program, allowing healthcare workers to lower their deductible over time with safe driving habits.
- Healthcare worker discount: With a healthcare worker discount of up to 11%, Farmers provides a competitive option for professionals in the healthcare industry.
- Multi-vehicle discount: Farmers offers a multi-vehicle discount of up to 16%, making it an attractive choice for healthcare workers with multiple vehicles.
Cons
- Limited online presence: Farmers may not have as strong an online presence as some competitors, potentially impacting the convenience for healthcare workers who prefer online interactions.
- Coverage options: While Farmers offers a range of coverage options, some healthcare workers may find that it lacks certain specialized coverage options offered by other providers.
Read more: Farmers Car Insurance Review
#7 – Nationwide: Accident Forgiveness
Pros
- Accident forgiveness: Nationwide stands out for offering accident forgiveness, providing a valuable benefit for healthcare workers concerned about potential increases in premiums after an accident.
- Healthcare worker discount: Nationwide provides a healthcare worker discount of up to 9%, contributing to potential savings for professionals in the healthcare industry.
- Multi-vehicle discount: With a multi-vehicle discount of up to 13%, Nationwide offers additional savings for healthcare workers insuring more than one vehicle.
Cons
- Coverage options: Some healthcare workers may find that Nationwide’s coverage options are not as extensive or customizable as those offered by other providers.
- Online experience: Nationwide’s online experience may not be as advanced or user-friendly as some competitors, potentially affecting the convenience for healthcare workers who prefer online interactions.
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#8 – Esurance: Bundle Discounts
Pros
- Bundle discounts: Esurance is known for offering bundle discounts, allowing healthcare workers to combine multiple insurance policies for additional savings.
- Healthcare worker discount: With a healthcare worker discount of up to 10%, Esurance provides a competitive option for professionals in the healthcare industry.
- Multi-vehicle discount: Esurance offers a multi-vehicle discount of up to 15%, making it an appealing choice for healthcare workers with multiple vehicles.
Cons
- Customer service: Some customers have reported less-than-optimal experiences with Esurance’s customer service, which may be a consideration for healthcare workers seeking excellent support.
- Add-on coverages: While Esurance offers various add-on coverages, some healthcare workers may find that it lacks certain specialized coverage options offered by other providers.
#9 – Travelers: Customer Service
Pros
- Customer service: Travelers Insurance is recognized for its strong emphasis on customer service, providing a positive experience for healthcare workers seeking reliable support.
- Healthcare worker discount: Travelers offers a healthcare worker discount of up to 7%, contributing to potential savings for professionals in the healthcare industry.
- Multi-vehicle discount: With a multi-vehicle discount of up to 12%, Travelers caters to healthcare workers with multiple vehicles, ensuring cost-effective coverage.
Cons
- Limited online presence: Travelers may not have as strong an online presence as some competitors, potentially impacting the convenience for healthcare workers who prefer online interactions.
- Coverage options: While Travelers offers a range of coverage options, some healthcare workers may find that it lacks certain specialized coverage options offered by other providers.
Read more: Travelers Car Insurance Review
#10 – American Family: Add-on Coverages
Pros
- Add-on Coverages: American Family Insurance excels in providing various add-on coverages, allowing healthcare workers to tailor their policies with additional protections.
- Healthcare worker discount: With a healthcare worker discount of up to 11%, American Family provides a competitive option for professionals in the healthcare industry.
- Multi-vehicle Discount: American Family offers a multi-vehicle discount of up to 14%, making it an appealing choice for healthcare workers with multiple vehicles.
Cons
- Customer service: American Family’s customer service may not be as highly rated as some competitors, potentially leading to a less satisfactory experience for healthcare workers seeking excellent support.
- Online experience: American Family’s online experience may not be as advanced or user-friendly as some competitors, potentially affecting the convenience for healthcare workers who prefer online interactions.
Read more: American Family Car Insurance Review
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The Practice of Occupational Markers
responsibilities associated with the profession influence premiums. Delving into the average monthly rates for various providers reveals key insights.
Insurance Company | Full Coverage | Minimum Coverage |
---|---|---|
State Farm | $86 | $33 |
USAA | $59 | $22 |
Progressive | $105 | $39 |
Allstate | $160 | $61 |
Liberty Mutual | $174 | $68 |
Farmers | $139 | $44 |
Nationwide | $115 | $44 |
Esurance | $114 | $46 |
Travelers | $99 | $37 |
American Family | $117 | $44 |
USAA emerges as a cost-efficient option, boasting the lowest average monthly rates for both full and minimum coverage at $59 and $22, respectively. State Farm strikes a balance between affordability and comprehensive coverage, offering competitive rates of $86 for full coverage and $33 for minimum coverage. Liberty Mutual reflects a higher cost with rates of $174 for full coverage and $68 for minimum coverage.
For healthcare professionals seeking budget-friendly options without compromising coverage, USAA and State Farm stand out as top choices, while Liberty Mutual emphasizes the importance of exploring different providers for potential savings. Ultimately, these insights empower healthcare workers to make informed decisions based on their unique preferences, coverage requirements, and budget constraints.
Risk factors are determined by groups, not by individuals; that is because there are far too many people on the road these days for the insurance companies to risk providing a clean slate, so to speak, for every driver.
What this means is that your risk factors are based on what other drivers in your situation do while they are on the road.
It is becoming more common for insurance companies to use your occupation as a factor in determining your auto insurance rates.
As a healthcare worker, your job is considered, by the insurance companies, to be one that causes you enough stress that you will not be the safest driver on the road.
Read more: Compare Doctor & Dentist Car Insurance Rates
No Dividing Factors
There is a major downside to this practice by auto insurance companies and that is the fact that your job may not be stressful as someone’s who works in the same field that you do.
Sure, you can qualify for some discounts to help save you money, but your job, in itself, cannot be changed — unless your career changes.
It is for this reason that it is very important that you find all of the discounts that you can so that you can negate some of the costs associated with your career.
Case Study One – State Farm: Tailoring Coverage for Healthcare Professionals
Meet Emily, a dedicated nurse with a busy schedule. Seeking the right car insurance, Emily explored various options and found State Farm to be a standout choice. With an average monthly rate of $86 for full coverage and $33 for minimum coverage, State Farm offered a balance of affordability and comprehensive protection. Emily appreciated State Farm’s policy options, allowing her to tailor coverage to her unique needs as a healthcare professional.
Case Study two – USAA: Budget-Friendly Coverage for Military Healthcare Worker
David, a military healthcare worker, faced the challenge of finding budget-friendly yet comprehensive car insurance. Turning to USAA, he discovered the lowest average monthly rates—$59 for full coverage and $22 for minimum coverage. USAA’s tailored coverage options and a healthcare worker discount of up to 12% provided David with the financial flexibility and specialized protection he needed.
Case Study Three – Liberty Mutual: Comprehensive Coverage at a Premium
Sarah, a healthcare administrator, prioritized comprehensive coverage and 24/7 support. Despite Liberty Mutual reflecting higher costs with rates of $174 for full coverage and $68 for minimum coverage, Sarah valued the insurer’s commitment to customer support. Liberty Mutual’s emphasis on thorough coverage and constant assistance aligned with Sarah’s priorities, showcasing the trade-off between premium costs and extensive protection.
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Buying the Right Car Insurance Policy
There is something else that will affect the rates of a healthcare worker and that is the type of insurance that you purchase. Many healthcare workers will purchase personal auto insurance that includes only liability insurance.
Sometimes that isn’t the right type of auto insurance for your occupation.
You see, if you are a healthcare worker who works with people in their homes or takes nursing supplies or medical supplies with you when you travel, then you should be paying for commercial or business insurance. (For more information, read our “Compare Home-Care Worker Car Insurance Rates”).
For example, if you are in an accident and you have an oxygen tank in the back of your car and it is destroyed in the accident unless you are carrying the right kind of insurance, your insurance company isn’t going to pay for the damage.
What’s more, if you are on the clock for work, your insurance company will have the right to refuse to pay for any damages at all.
Unfortunately, if you do purchase commercial or business insurance for your vehicle, then you will pay more for your auto insurance than if you were paying for personal auto insurance.
Business insurance is more expensive because it covers the property in your vehicle as well as your vehicle itself.
Furthermore, your cost is going to be affected by the fact that you travel a lot, which will greatly increase your risk of having an auto accident.
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Frequently Asked Questions
What are the average car insurance rates for healthcare workers in the US?
The average monthly car insurance rate for a healthcare worker in the US is $101.06, totaling $1,212.75 per year.
Can I save on car insurance as a healthcare worker?
Yes, comparing quotes online can help you save up to 20% on your car insurance policy.
Does having a college education affect car insurance rates for healthcare workers?
Yes, having a college degree may lead to lower insurance rates for healthcare workers.
How does my occupation impact car insurance rates as a healthcare worker?
Insurance companies may view healthcare workers as having higher stress levels, which can influence auto insurance rates.
What type of car insurance policy should healthcare workers consider?
Healthcare workers who transport medical supplies or work in patients’ homes should consider commercial or business insurance.
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Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
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.