Compare Doctor & Dentist Car Insurance Rates [2023]
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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Tracey L. Wells
Licensed Insurance Agent & Agency Owner
Tracey L. Wells is a licensed insurance agent and Farmers insurance agency owner with 23 years of experience. He is proud to be a local Farmers agent serving Grayson, Georgia and surrounding areas. With experience as both an underwriter and agent, he provides his customers with insight that others agents may not have. His agency offers all lines of insurance including home, life, auto, RV, busi...
Licensed Insurance Agent & Agency Owner
UPDATED: Nov 13, 2023
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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: Nov 13, 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
- 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.
| Healthcare Occupation | Average Geico Monthly Rates | Average Geico Six-Month Rates | Average 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 |
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.
| States | Average Annual Doctors Salaray | Average Annual Car Insurance Rates | Car Insurance Rate as a Percent of Income |
|---|---|---|---|
| Vermont | $128,258 | $2,358 | 1.84% |
| Hawaii | $135,199 | $2,556 | 1.89% |
| West Virginia | $123,600 | $2,595 | 2.10% |
| Massachusetts | $140,610 | $2,679 | 1.91% |
| Ohio | $120,954 | $2,710 | 2.24% |
| Maine | $118,373 | $2,953 | 2.49% |
| Illinois | $113,482 | $2,979 | 2.63% |
| Idaho | $129,399 | $2,981 | 2.30% |
| Washington | $139,675 | $3,059 | 2.19% |
| New Jersey | $123,535 | $3,152 | 2.55% |
| Wyoming | $129,399 | $3,200 | 2.47% |
| Montana | $129,399 | $3,221 | 2.49% |
| Virginia | $126,640 | $3,234 | 2.55% |
| Kansas | $118,853 | $3,280 | 2.76% |
| New Hampshire | $136,828 | $3,284 | 2.40% |
| Indiana | $119,348 | $3,305 | 2.77% |
| Mississippi | $112,072 | $3,329 | 2.97% |
| Nebraska | $128,329 | $3,393 | 2.64% |
| Iowa | $117,141 | $3,415 | 2.92% |
| Alabama | $113,472 | $3,422 | 3.02% |
| New York | $141,997 | $3,464 | 2.44% |
| Oregon | $121,486 | $3,468 | 2.85% |
| Alaska | $129,399 | $3,567 | 2.76% |
| Wisconsin | $120,557 | $3,606 | 2.99% |
| Utah | $119,980 | $3,612 | 3.01% |
| Tennessee | $121,673 | $3,661 | 3.01% |
| Missouri | $112,001 | $3,665 | 3.27% |
| California | $127,359 | $3,689 | 2.90% |
| Arkansas | $114,153 | $3,771 | 3.30% |
| South Carolina | $122,214 | $3,781 | 3.09% |
| Colorado | $121,516 | $3,876 | 3.19% |
| South Dakota | $123,806 | $3,982 | 3.22% |
| Pennsylvania | $122,751 | $4,035 | 3.29% |
| Texas | $114,533 | $4,043 | 3.53% |
| Arizona | $121,805 | $4,125 | 3.39% |
| Oklahoma | $119,204 | $4,142 | 3.47% |
| Nevada | $129,399 | $4,166 | 3.22% |
| North Dakota | $129,399 | $4,290 | 3.32% |
| Minnesota | $122,070 | $4,403 | 3.61% |
| Maryland | $130,353 | $4,583 | 3.52% |
| Connecticut | $130,206 | $4,619 | 3.55% |
| Florida | $109,362 | $4,680 | 4.28% |
| North Carolina | $104,313 | $4,862 | 4.66% |
| Georgia | $115,953 | $4,967 | 4.28% |
| Rhode Island | $127,832 | $5,003 | 3.91% |
| Kentucky | $123,861 | $5,195 | 4.19% |
| New Mexico | $114,398 | $5,515 | 4.82% |
| Louisiana | $118,480 | $5,711 | 4.82% |
| Delaware | $121,626 | $5,986 | 4.92% |
| Michigan | $113,669 | $10,499 | 9.24% |
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.
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.
| Companies | Average 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 |
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.
| Companies | Average Annual Rates with Good Credit | Average Annual Rates with Fair Credit | Average 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 |
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.
| Companies | Average Annual Rates with a Clean record | Average Annual Rates with 1 accident | Average Annual Rates with 1 DUI | Average 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 |
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.
Frequently Asked Questions
What is doctor and dentist car insurance?
Doctor and dentist car insurance is a specialized type of auto insurance designed for medical professionals in the healthcare field. It provides coverage for their vehicles while they are on duty, commuting to and from work, and for personal use.
Are there any specific benefits or discounts available for doctors and dentists with car insurance?
Some insurance providers offer specific benefits or discounts for doctors and dentists with car insurance. These may include lower rates based on the assumption that medical professionals tend to be more responsible drivers. Additionally, some insurers may offer benefits like flexible payment options or coverage for medical equipment transported in the vehicle. It’s recommended to inquire with insurance companies about any available benefits or discounts.
What coverage options should doctors and dentists consider for their car insurance?
Doctors and dentists should consider the following coverage options for their car insurance:
- Liability coverage: This coverage helps pay for injuries or damages you cause to others in an accident.
- Medical payments coverage: It provides coverage for medical expenses incurred by you and your passengers in an accident, regardless of who is at fault.
- Collision coverage: It covers damages to your vehicle resulting from a collision with another vehicle or object.
- Comprehensive coverage: This coverage protects against non-collision incidents, such as theft, vandalism, or natural disasters.
- Uninsured/underinsured motorist coverage: It provides protection if you are involved in an accident with a driver who lacks insurance or has insufficient coverage.
How can doctors and dentists find the best car insurance rates?
To find the best car insurance rates for doctors and dentists, consider the following tips:
- Shop around: Obtain quotes from multiple insurance providers to compare coverage options and premiums.
- Inquire about professional discounts: Some insurers may offer discounts specifically tailored for medical professionals. Ask about any available discounts for doctors and dentists.
- Bundle insurance policies: Consider bundling your car insurance with other insurance policies, such as home or umbrella insurance, to potentially receive multi-policy discounts.
- Maintain a clean driving record: A good driving record with no accidents or violations can help lower your insurance premiums.
Is it necessary to disclose the profession when obtaining car insurance?
When obtaining car insurance, it’s generally recommended to disclose your profession, including whether you are a doctor or dentist. Providing accurate information helps ensure that you receive appropriate coverage and potential discounts specific to your profession.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
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Tracey L. Wells
Licensed Insurance Agent & Agency Owner
Tracey L. Wells is a licensed insurance agent and Farmers insurance agency owner with 23 years of experience. He is proud to be a local Farmers agent serving Grayson, Georgia and surrounding areas. With experience as both an underwriter and agent, he provides his customers with insight that others agents may not have. His agency offers all lines of insurance including home, life, auto, RV, busi...
Licensed Insurance Agent & Agency Owner
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.