Car Insurance Rates for Healthcare Employees

The average rates of car insurance for a healthcare worker in the US are $101.06/mo on average. Compare quotes online to save up to 20% on your next policy.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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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®

UPDATED: May 12, 2020

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Here's what you need to know...

  • Your field of work is a factor that goes into determining your car insurance rates.
  • Looking into applicable discounts is a good way to save money on car insurance.
  • Make sure you have the appropriate insurance type. If you drive as part of your job, a standard policy may not be right for your situation.

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 a number of factors, which means that you may be paying more or less than what you see here.

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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.

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.

The Practice of Occupational Markers

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.

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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.

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 that works with people in their home or takes nursing supplies or medical supplies with you when you travel, then you should be paying for commercial or business insurance.

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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