If you're a nurse, you may be able to save a small amount off your auto insurance premiums with special discounts from companies like GEICO, Liberty Mutual, Farmers, and Nationwide.
It’s easier to get discounts if you’re a part of a professional nursing organization group, but some companies offer discounts just for being a nurse. Most car insurance discounts for nurses lower the cost of a policy by less than 10%, but the amount you’ll save varies by company.
Not every company offers car insurance discounts for nurses, but many major insurance companies do, including GEICO, Liberty Mutual, and more.
To qualify for these discounts, nurses often have to belong to a group that partners with their insurer, such as the Association of Women's Health, Obstetric and Neonatal Nurses, or the American Nurses Association.
The amount of money nurses can save with these discounts depends on location and on the company, but savings are usually less than 10% of the total premium.
In order to compare car insurance discounts for nurses, Policygenius retrieved quotes from GEICO and Liberty Mutual for two 30-year-old nurses living in Philadelphia. (According to the Bureau of Labor Statistics, Philadelphia has the highest number of nurses per 1,000 jobs of any metropolitan area in the country.)
We then compared the cost of car insurance for nurses with rates for a driver without a nursing job. Both drove a 2017 Toyota Camry LE. This vehicle was insured for the following limits:
- Bodily injury liability: $50,00 per person, $100,000 per accident
- Property damage liability: $50,000 per accident
- Uninsured/underinsured motorist: $50,000 per person, $100,000 per accident
- Comprehensive: $500 deductible
- Collision: $500 deductible
Companies with car insurance discounts for nurses
Nurses can save on their auto insurance at some of the largest insurers in the country (although not every car insurance company offers discounts for nurses). These discounts are usually available to members of specific groups that partner with insurance providers.
If you're a nurse and a part of an affinity group or professional organization, your membership may earn you a discount from any of these auto insurance companies:
GEICO: There are nearly two dozen medical-related professional groups that partner with GEICO, including the Association of Women's Health, Obstetric and Neonatal Nurses (AWHONN).
Liberty Mutual: If you're a member of the American Association of Registered Nurses, you may get a discount when you apply for car insurance with Liberty Mutual.
Farmers: While Farmers doesn't provide a comprehensive list of partnering groups, nurses are one of many types of workers who may qualify for a discount on their car insurance rates.
Nationwide: Members of the American Nurses Association and the American Association of Nurse Anesthetists, along with other professional groups, could get discounted coverage from Nationwide.
Travelers: Like Farmers, Travelers offers affinity discounts to a wide variety of professional nursing organizations, though it doesn't list all of its partners online.
Car insurance discounts for nurses aren’t as common as other discounts. Since they’re only offered at some companies, we recommend reading about the discounts offered by the best companies in your area.
→ Read more about the factors insurers use to determine your rates
How much do nurses save on car insurance?
To estimate how discounts for nurses can save on car insurance, we compared rates at GEICO and Liberty Mutual for a 30-year-old nurse living in Philadelphia. We found that on average, nurses saved 4% on a full coverage policy versus someone who’s not a nurse.
We found that at Liberty Mutual, nurses saved 6% or $144 per year on car insurance.
Auto insurance discounts for nurses depend on your insurance provider and location. You may also have to speak directly with an agent to get a discount for nurses, which was the case at Farmers, Nationwide, and Travelers.
How to get discounts on auto insurance for nurses
Car insurance discounts for nurses are pretty minor compared to the other car insurance discounts available from most major companies. As a nurse who’s a part of an affinity group, the amount you save will probably be less than 10%.
If you’re a nurse (or studying to be a nurse), here are some ways to see if you're eligible for savings:
As a member of a professional organization for nurses, check with any nursing group you're a part of to see whether your membership benefits include a discount with a specific insurance carrier.
If you're a current or former student, see if your nursing program is affiliated with an insurance company. It's common for insurers to partner with colleges and universities across the country to offer discounts on car insurance.
If you're not a member of a professional nurse’s group or a nursing student, some companies still offer generic discounts to nurses. Nurses, like people in the armed forces and teachers, can get a small discount for their job. Insurance experts, like the ones at Policygenius, may be able to help you find the best deals for nurses.
If your organization partners with an auto insurance company to offer discounts for nurses, they can usually refer you straight to the company so you can apply for discounted coverage.
You won’t have to get referred by a professional nurses group if your auto insurance company offers generic discounts just for being a nurse.
Other ways nurses can lower their insurance premiums
You may be able to save a little money with car insurance discounts for nurses, but it’s important to take advantage of other ways to save.
If you’re paying too much for car insurance, make sure you’re doing everything you can to bring down your costs.
One of the most reliable ways to save on car insurance is by shopping around for coverage. Always compare quotes from different insurance companies to find the lowest rates in your area, and re-shop every time your policy is up for renewal, to make sure you’re not overpaying.
Here are some other reliable ways to make sure your car insurance stays affordable:
Bundle your home and auto insurance: If you don’t already get your home or condo insurance from the same company as your car insurance, you could save money by bundling the policies together. You can also save money by insuring multiple cars under the same policy.
Take advantage of discounts: Most car insurance companies offer a wide range of discounts. Some discounts that are much easier to qualify for than others, like discounts for switching to paperless billing, taking a defensive driving class, and shopping for coverage online.
Increase your deductible: Raising your insurance deductible (the amount of money you have to pay out of pocket for a claim) means lower rates — just remember it means you may have to pay more if your car is ever damaged.
Get usage-based insurance: Most companies have usage-based discount programs that track your driving for a few weeks and award lower rates for safe habits behind the wheel.
Frequently Asked Questions
Can nurses get discounts for car insurance?
Yes, a few different companies offer discounts for nurses. Usually, if you want a discount you have to be a member of a progressional organization for nurses, like the American Nurses Association. Some companies don’t require you to have a membership, though, and offer discounts just for being a nurse.
Who has the best discounted car insurance for nurses?
We found that Liberty Mutual offers the best discount to nurses. The cost of coverage with Liberty Mutual went down by 6% for a nurse compared to a driver with another job. Companies often require nurses to speak to a representative directly before receiving a discount, so it’s possible better discounts exist.
What other ways can nurses get discounts on car insurance?
If your car insurance is still too expensive even after getting a discount for nurses, you should consider bundling your home and auto insurance, seeking out other discounts, and increasing your deductible for lower rates. You could also consider getting usage-based insurance if you’re a good driver.