Car Insurance Rates for a Medical Doctor or Dentist

Car insurance rates for a medical doctor or dentist tend to be higher than average. How much doctors and dentists pay for car insurance is, on average, $106.47/mo, though it can be higher since these occupations tend to have higher salaries and pricier cars. You can save by finding medical group discounts and comparing dentists and doctors auto insurance quotes online. Enter your ZIP code to start comparing affordable dentists and doctors car insurance rates now.

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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: Jan 22, 2021

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Here's what you need to know...

  • Doctors usually have varied schedules depending on if they work in private practice or a hospital
  • Dentists, on the other hand, work according to specific hours that are filled with patient’s appointments
  • Doctors and dentists are both considered high-income occupations, and that can mean higher rates

The last thing on a busy doctor’s or dentist’s mind is trying to find a great deal on car insurance. Can doctors get specialized auto insurance?

However, it is easy to compare car insurance rates for a medical doctor or dentist and find a policy with adequate coverage, that meets legal requirements, and is affordable, so why not?

How much is car insurance for a medical doctor or dentist?

The average annual cost for dentists and doctors car insurance is $1,277.63 across the best auto insurance companies.

Read on to review pros and cons of getting car insurance as a doctor or dentist and find out what doctors and dentist should look for in a policy.

If you’re looking to compare car insurance rates for a doctor or dentist, just enter your ZIP code in the FREE box and get great car insurance quotes from multiple insurers.

Medical Doctor and Dentist Car Insurance

If you’re wondering how your job affects car insurance, you’re not alone. The car insurance industry is especially interested in the driving habits of those in a variety of occupations. They use information gathered from conducting independent research to adjust car insurance rates and set occupation based rates.

Do doctors pay more on average for car insurance?

Medical doctors and dentists have an annual average car insurance rate that is slightly higher than those in other types of occupations.

The main reason that medical doctors and dentists have a slightly higher car insurance rate is because of the income bracket they fall into. A higher income bracket often means more expensive cars such as sports cars, or luxury cars.

How much more on average do doctors and dentists pay?

The table below shows sample quotes for car insurance for medical professionals and rates for physician insurance.

Average Geico Auto Insurance Rates for Various Healthcare Workers
Healthcare OccupationAverage Geico Monthly RatesAverage Geico Six-Month RatesAverage Geico Annual Rates
Psychiatrist$145.25$871.50$1,743.00
Dentist$151.00$906.00$1,812.00
Surgeon$152.80$916.80$1,833.60
Orthodontist$152.80$916.80$1,833.60
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Even though the rates for dentists and doctors car insurance may be elevated, the percentage of their income that goes toward coverage is much lower. You can see in the table below examples of that with the average physician salary for each state stacked against the average car insurance rates.

Average Annual Car Insurance Rates as a Percentage of Doctor's Average Annual Income
StatesAverage Annual Doctors SalarayAverage Annual Car Insurance RatesCar Insurance Rate as a Percent of Income
Vermont$128,258$2,3581.84%
Hawaii$135,199$2,5561.89%
West Virginia$123,600$2,5952.10%
Massachusetts$140,610$2,6791.91%
Ohio$120,954$2,7102.24%
Maine$118,373$2,9532.49%
Illinois$113,482$2,9792.63%
Idaho$129,399$2,9812.30%
Washington$139,675$3,0592.19%
New Jersey$123,535$3,1522.55%
Wyoming$129,399$3,2002.47%
Montana$129,399$3,2212.49%
Virginia$126,640$3,2342.55%
Kansas$118,853$3,2802.76%
New Hampshire$136,828$3,2842.40%
Indiana$119,348$3,3052.77%
Mississippi$112,072$3,3292.97%
Nebraska$128,329$3,3932.64%
Iowa$117,141$3,4152.92%
Alabama$113,472$3,4223.02%
New York$141,997$3,4642.44%
Oregon$121,486$3,4682.85%
Alaska$129,399$3,5672.76%
Wisconsin$120,557$3,6062.99%
Utah$119,980$3,6123.01%
Tennessee$121,673$3,6613.01%
Missouri$112,001$3,6653.27%
California$127,359$3,6892.90%
Arkansas$114,153$3,7713.30%
South Carolina$122,214$3,7813.09%
Colorado$121,516$3,8763.19%
South Dakota$123,806$3,9823.22%
Pennsylvania$122,751$4,0353.29%
Texas$114,533$4,0433.53%
Arizona$121,805$4,1253.39%
Oklahoma$119,204$4,1423.47%
Nevada$129,399$4,1663.22%
North Dakota$129,399$4,2903.32%
Minnesota$122,070$4,4033.61%
Maryland$130,353$4,5833.52%
Connecticut$130,206$4,6193.55%
Florida$109,362$4,6804.28%
North Carolina$104,313$4,8624.66%
Georgia$115,953$4,9674.28%
Rhode Island$127,832$5,0033.91%
Kentucky$123,861$5,1954.19%
New Mexico$114,398$5,5154.82%
Louisiana$118,480$5,7114.82%
Delaware$121,626$5,9864.92%
Michigan$113,669$10,4999.24%
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The Bureau of Labor Statistics reports that the average physician wage is $203,450 and the average dentist salary is $178,260. But, there’s so much variety within the medical field that you could end up making much less or far greater. Higher salaries generally mean more expensive cars, but if you have an older vehicle that percentage will be much lower.

Car insurance is required for all drivers in every state. Some individuals are not interested in searching around for a good deal while others want to save money however they can. Shopping around and comparing rates is one of the best ways to save money on car insurance rates.

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How Your Commute Affects Car Insurance Rates

Whether you work in a hospital or a private practice, the distance you drive will affect your rates. Though it’s by no means the biggest factor in determining your rates, a long commute will add a few percentage points to how much you pay versus if you live close to work.

Average Annual Car Insurance Rates by Commute Length
CompaniesAverage Annual Rates for a
10 Miles Commute
6,000 Annual Mileage
Average Annual Rates for a
25 Miles Commute
12,000 Annual Mileage
USAA$2,482.69$2,591.91
Geico$3,162.64$3,267.37
State Farm$3,175.98$3,344.01
American Family$3,401.30$3,484.88
Nationwide$3,437.33$3,462.67
Progressive$4,030.02$4,041.01
Farmers$4,179.32$4,209.22
Travelers$4,399.85$4,469.96
Allstate$4,841.71$4,934.20
Liberty Mutual$5,995.27$6,151.63
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Commute length may not be the biggest factor, but it does make a dent. The two biggest factors that determine how much you’ll pay are: credit score and driving record.

How Your Credit Score Affects Car Insurance Rates

Dentists and doctors tend to be more responsible and driven than some other occupations. That usually translates to a higher credit score, and that’s also good news for your car insurance rates.

See the table below to see how a poor credit score compares to a good one.

Average Annual Car Insurance Rates by Credit Score
CompaniesAverage Annual Rates with Good CreditAverage Annual Rates with Fair CreditAverage Annual Rates with Poor Credit
USAA$1,821.20$2,219.83$3,690.73
State Farm$2,174.26$2,853.00$4,951.20
Geico$2,434.82$2,986.79$4,259.50
American Family$2,691.74$3,169.53$4,467.98
Nationwide$2,925.94$3,254.83$4,083.29
Progressive$3,628.85$3,956.31$4,737.64
Farmers$3,677.12$3,899.41$4,864.14
Allstate$3,859.66$4,581.16$6,490.65
Travelers$4,058.97$4,344.10$5,160.22
Liberty Mutual$4,388.18$5,604.24$8,802.22
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Experian reports that the average credit score in the U.S. is 703, and most dentists and doctors are higher than that. That can’t be applied to everyone but after years of credit history with student loans, it’s true for a lot of practitioners.

How Your Driving Record Affects Car Insurance Rates

This is the biggest one. If you have an at-fault accident, speeding ticket, or DUI, your rates could more than double. Check out the table below for some examples from the major insurers.

Average Annual Car Insurance Rates by Driving Record
CompaniesAverage Annual Rates with a Clean recordAverage Annual Rates with 1 accidentAverage Annual Rates with 1 DUIAverage Annual Rates with 1 speeding violation
USAA$1,933.68$2,516.24$3,506.03$2,193.25
Geico$2,145.96$3,192.77$4,875.87$2,645.43
American Family$2,693.61$3,722.75$4,330.24$3,025.74
Nationwide$2,746.18$3,396.95$4,543.20$3,113.68
State Farm$2,821.18$3,396.01$3,636.80$3,186.01
Progressive$3,393.09$4,777.04$3,969.65$4,002.28
Travelers$3,447.69$4,289.74$5,741.40$4,260.80
Farmers$3,460.60$4,518.73$4,718.75$4,079.01
Allstate$3,819.90$4,987.68$6,260.73$4,483.51
Liberty Mutual$4,774.30$6,204.78$7,613.48$5,701.26
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These can raise your rates excessively.

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A Typical Schedule for a Medical Doctor

Becoming a medical doctor takes years of dedication, hard work, and education. Once someone officially becomes a doctor, he has the ability to have a slightly more regulated schedule, although some irregularity is expected when on call.

Medical doctors have different schedules depending on whether they work at a hospital, have their own practice, or work at a private practice. Most doctors who work at a private practice start their day early with patients who have scheduled appointments. They will diagnose, treat, and run tests for patients throughout the day.

Sometime during the day, they will have to review charts and make treatment plans for ill patients. If they have patients who have been admitted to the hospital, they will have check with the hospital regarding their admitted patients.

Returning phone calls and meeting with pharmaceutical reps is also part of the weekly routine of private practice doctors.

Hospital physicians may work a variety of hours and shifts depending on what department they work in at the hospital. When their shift begins, they have to check on patients which is called doing rounds. They will also check charts, discuss issues with patients, and call for any additional testing or medication that is necessary.

They are also responsible for deciding when patients need to be admitted and discharged.

A Typical Schedule for a Dentist

Becoming a dentist is just as demanding as becoming a medical doctor. Study.com notes that you must earn a bachelor’s degree. Then, you have the option of a Doctor of Dental Surgery (DDS) or Doctor of Medicine in Dentistry/Doctor of Dental Medicine (DMD) degree.

There is undergraduate work, post-graduate work, and doctoral work that needs to be done. There are also internship requirements, practicums, and state licensing requirements that have to be fulfilled.

A dentist can maintain a pretty regulated schedule once a client base is established. Most dentists work at a private practice, although oral surgeons have a connection to a specific hospital where they can be on call to perform surgery.

Dentists can choose to specialize in pediatrics, geriatrics, or other specifics fields of study.

Routine cleanings are done by a dental hygienist that works for a dentist. However, a dentist has to do all work and recommend treatment plans for those who have dental problems that need to be addressed. When working with older individuals, dentists often have to build bridges, partials, dentures, and other dental apparatus.

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Frequently Asked Questions: Car Insurance Rates for Medical Doctors and Dentists

We’ve added some more FAQs below.

Are there special car deals for physicians?

With the COVID-19 pandemic, there has been a renewed appreciation in most circles for healthcare workers. Many places are offering special discounts. Places like CNN have compiled these deals that include car deals from GMC and Honda.

Can you get medical student car insurance discounts?

Is there such a thing as a medical school car insurance discount?

Good students are eligible for all kinds of discounts, and some association like the Amerian Medical Student Association provides more discounts on Geico insurance and other major insurers provide discounts like USAA car insurance. AMA auto insurance works with Liberty Mutual to provide discounts as well.

The Association of American Medical Colleges reports that the average age of a matriculating medical student for the 2019- 2020 school year was 24 years old. Why is that relevant?

Teens have the highest rates of any age group, but around age 25 is when rates drop considerably. That means medical students can get that major discount just by keeping a safe driving record.

There are many discounts that anybody can take advantage of, regardless of their occupation. This video from Shine Insurance touches on some of the more common ones.

For an occupation that deals with problems of health, insurance for doctors are eligible for many discounts. It’s only fair.

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