Cheapest Car Insurance for Nurses (Discounts and Providers)

Every year, nurses spend around $40 less on car insurance premiums. It’s not a huge saving, but every cent counts, especially when those savings are combined with other car insurance discounts and offers. 

In this guide to car insurance for nurses, we’ll discuss the available savings, offers, and options, helping you find the best policies.

How Much is Car Insurance for Nurses?

When you apply for car insurance, an underwriter will consider a host of factors to determine your risk. These include:

  • Age: Younger drivers are more likely to drive recklessly and to exceed the speed limit. Statistically speaking, they are more likely to abuse drugs and alcohol and to climb behind the wheel when intoxicated. All of this, in combination with the inexperience of youth, means young drivers are charged much more than older adults.
  • Car: The car you drive has a big impact on your premiums. You will pay much more if you drive an old vehicle without the basic safety features commonly found in more modern cars, for instance.
  • Driving Record: Insurers prefer drivers with a clean record. The more claims you have, the higher your premiums will be. A single speeding ticket could add hundreds of dollars to your premiums and a DUI could make them double.
  • Status: Homeowners pay less than renters, and married policyholders pay less than single ones. It’s not something you would expect to impact your insurance quotes, but it all comes down to risk. Statistically, married homeowners claim less than single renters.

Your occupation will also be factored into the equation and could have a substantial impact on your premiums. The underwriters will look at your commute, earnings, and other risk factors. Where nurses are concerned, the risks are relatively low. They don’t earn as much as doctors and surgeons, but they generally don’t have very long commutes.

More importantly, they tend to drive safely. After all, they spend their days surrounded by death, injury, and disease. As a result, if they see the chaos caused by road traffic accidents, they’ll be less inclined to put their foot down.

As such, a nurse should pay significantly less than a bartender, although as noted above, it’s not the only component they will consider.

Car Insurance Discounts for Nurses

While nurses can secure cheaper car insurance rates, there are no specific nationwide or state-wide discounts. Furthermore, any savings you do make could be offset by a recent at-fault accident or speeding ticket. If you have an infraction such as a DUI, you will still pay a huge sum of money for your car insurance.

Most discounts won’t be available to you right away. If you already have a car, it’s not practical to buy another one just to save a few bucks on your car insurance. Also, even though it’s important to drive safely so you can reap the benefits in the future, it won’t have an immediate impact.

However, there are a few things you can do for an instant saving, including:

  • Improve Your Credit Score: Even relatively small improvements can make a massive difference to your insurance rates, as well as other aspects of your life.
  • Paperless: Choose paperless billing to shave a few dollars off your premiums.
  • Pay Upfront: Although it’s not always an easy option, paying upfront helps reduce the costs.
  • Defensive Driving: By completing a defensive driving course, you’ll prove your worth as a safe driver and could save money as a result.

The Best Providers for Nurses

If you qualify for USAA, which is offered to current and former members of the military and their family members, you should get a quote. It’s usually one of the cheapest providers and ranks at the top of the list of cheapest car insurance.

If you don’t qualify for USAA, look into national providers like Geico, Nationwide, State Farm, and Progressive, and don’t neglect local insurance companies. Get multiple quotes, give them as much information as you can, and look into the discounts mentioned above.