Car Insurance For Nurses

The average rates for car insurance for nurses are $114.19/month. Nurses drive during early and late hours of the day and job-related stress are factors that can raise your car insurance rates.

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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®

UPDATED: Oct 1, 2020

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Here's what you should know...

  • Car insurance rates are affected by occupation
  • Nursing is a career that often requires odd driving hours due to different shifts
  • The average car insurance cost for a nurse is $1370.39 annually
  • Nuses who work late hours or after long shifts may be charged more in car insurance due to an increased risk of accident

Insurers analyze many factors when determining what to charge you. One of these factors is what you do for a living. You can click the link to learn how your job affects car insurance rates.

One of the most admirable professions would be nursing. Nurses are among some of the most dedicated people. Caring for the sick and those in need takes a special type of person. Nurses also work 24 hours a day, seven days a week, 365 days a year.

You might be wondering how much is liability insurance for nurses. Well, different shifts mean driving at odd times, which can raise your rates, so having the right car insurance is important. The annual car insurance rates for nurses are around $1,370.39.

Comparing quotes on the best car insurance for nurses to find your best deal is a great way to save money. Enter your ZIP code in the FREE box now to compare rates and quotes for nurses from top companies!

Nursing Opportunities

In the nursing field, there are many different types of opportunities available. Many people think of nurses as only working at a hospital, which is one option, but there are many other options available as well.

Nurses can work for a physician in a clinic, out of hospital facility, or for a private practice doctor.

Nurses can also work at special facilities such as schools, universities, nursing homes, assisted living centers, sporting centers, with professional sports teams, or at large corporations.

The desire for home health care has increased greatly over the past few years and there are always openings for nurses in this area.

However, this would include extra traveling for nurses, which would also impact car insurance quotes for nurses and their policy rates.

Just as with doctors, nurses can choose a specialty to focus on, and this specialty can help determine where they work.

Any additional training is usually on the job training or is covered financially by the hospital. Having specialized training usually comes with a pay increase. The longer you work with one facility, the more flexibility you can have.

As with other occupations, seniority usually means you get to pick the schedule you want.

Let’s take a look at a video showing rates not just for nurses, but also for other positions in the medical field.

Average Geico Car Insurance Rates for Medical Professionals
OccupationGeico Six-Month
Occupational Therapist$947.90
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The Next Step in a Nursing Career

If you want to take the next step in a nursing career, one option is to become a nursing instructor. Nursing instructors are employed at the college or university level or by the hospital to further train incoming nurses.

Being a nursing instructor requires a masters degree at the least and a doctorate at the most.

In addition to the degree requirements, nursing instructors must have practical experience in a variety of areas of medicine.

Practical and intellectual knowledge in the areas of customer service, medicine, dentistry, biology, therapy and more are helpful and sometimes required of a nursing instructor.

Another career step in the nursing field is to become a nurse manager. You can click the link to learn about manager-director car insurance rates. A nurse manager oversees all the nurses during a shift. They are in charge of scheduling, completing paperwork, handling complaints, and are part of the hiring and firing process.

Nurse managers no longer work one on one with patients but instead work one on one with the nurses they supervise.

Nurses can also become nursing consultants once additional education is complete. Nursing consultants can work for a company or be self-employed as an independent consultant.

Nursing consultants are called upon by hospitals, clinics, and schools to give advice on managing, care options, and how to retain a content nursing staff.

Consulting can be anywhere from a phone call to an intense hands-on evaluation.

How Car Insurance Rates Are Determined

The new trend in nursing is working three 12 hour shifts and then having a few days off. This has shifted in the last 10 years from traditional 8-hour shifts.

These types of shifts mean something to those who conduct car insurance research. They use this and other information to track the typical life of a nurse.

Nurses working 12 hours shifts will be driving while they are tired. They will be driving in both daylight and night time hours. They will have days off when those who have more traditional hours are at work.

All of these factors contribute to driving at times when accidents are more likely. Assessing insurance rates is all about risk. Learn more about just what are the proper car accident car insurance procedures by clicking the link.

If certain occupations, such as nursing, are found to lead to driving at accident-prone times, rates will be higher.

Driving when you are tired and having a different schedule from day to day can lead to more accidents, so the annual car insurance rate for a nurse is set in the higher range when compared to other occupations.

If we haven’t answered all of your questions today, fear not, because we’re going to be wrapping up with an FAQ section.

Enter your ZIP code in the FREE box below to compare rates and quotes to buy car insurance for nurses from top companies in your area.

Frequently Asked Questions: Car Insurance for Nurses

#1– Are there car insurance deals or discounts for nurses?

Yes, most of the large insurers offer discounts to nurses provided they are involved with certain organizations.

#2– Does Geico offer discounts for nurses?

Geico offers nurse discounts to those who are members of the Association of Women’s Health, Obstetric and Neonatal Nurses, and other organizations.

#3– How much do insurance company nurses make?

The median salary for nurses in insurance is a little over $80,000.

#4– What is the cheapest insurance company?

USAA is seen as the cheapest car insurance company.

#5– What is the cheapest car insurance per month?

Nationwide offers some policies for $1,227 per year. It all depends on your needs.

#6– What discounts can you get for car insurance?

You can get discounts for paying in advance, driving infrequently, being a student, and bundling policies, amongst many others.

#7– Are nurses considered a first responder?

Yes, within their field nurses are considered first responders.

#8– Do nurses get discounts at Disney World?

Yes, and you can call 1-888-828-8850 to learn more.

#9– Is Verizon giving a discount to nurses?

Yes, but it depends on how many phones are attached to your account.

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