Car Insurance Discount for Nurses: Top Companies, Potential Savings, and More
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Written byMandy Sleight
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Mandy Sleight has over 15 years of insurance knowledge and expertise in auto, home, life, health, pet, supplemental benefits, and other insurance products. She’s a sought-after insurance expert, appearing in Bankrate.com, Moneygeek.com, U.S. News & World Report, Reviews.com, CNET, and other publications, and she's been writing for Compare.com since 2023.
Mandy uses her background and experience working for well-known insurance companies like State Farm and Nationwide Insurance to create engaging and easy-to-understand content that helps readers make smarter insurance choices that have a positive effect on their budgets and finances.
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Edited byNick Versaw
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Nick Versaw leads Compare.com's editorial department, where he and his team specialize in crafting helpful, easy-to-understand content about car insurance and other related topics. With nearly a decade of experience writing and editing insurance and personal finance articles, his work has helped readers discover substantial savings on necessary expenses, including insurance, transportation, health care, and more. As an award-winning writer, Nick has seen his work published in countless renowned publications, such as the Washington Post, Los Angeles Times, and U.S. News & World Report. He graduated with Latin honors from Virginia Commonwealth University, where he earned his Bachelor's Degree in Digital Journalism.
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Table of contents
Nursing is an occupation that often requires long hours, but it provides the satisfaction of helping save lives. Some insurance companies reward your dedication with a special car insurance discount for all sorts of healthcare workers, from neonatal nurses to travel nurses and every professional in between.
Depending on the company and where you live, you can save up to 22% on your car insurance premiums if you’re a nurse or healthcare worker. Liberty Mutual, Farmers, and Travelers are a few insurers offering a discount for healthcare professionals, but not all companies offer this discount.
Here’s where you can get a healthcare worker discount, how to apply it to your auto policy, and how nurses and medical professionals can save on car insurance.
Can Healthcare Workers Get Discounted Car Insurance?
Yes — some insurance companies offer a car insurance discount for nurses, but the savings vary by insurer and the state you live in. The largest discount we found is an average of 22% savings for Union Plus members who buy auto insurance through the Farmers Insurance Choice program.
But most companies don’t advertise the savings amount they offer. Nurses and healthcare workers looking for lower rates should consider getting quotes from several different companies to compare insurance premiums and see which insurer offers the best deal for their coverage needs.
Insurance Companies Offering Discounts for Nurses
Although it isn’t as common as other auto insurance discounts, several companies offer unique benefits, like a nurse discount, which helps healthcare professionals save a little money on their car insurance policies. But as we mentioned, discount amounts and availability vary widely across the insurance industry.
The following table highlights a few notable companies offering car insurance discounts for nurses as well as their advertised savings amounts.
Company  | Advertised Discount |
|---|---|
| Farmers | Average of 22% |
| Liberty Mutual | Up to $947 |
| GEICO | Up to 8% |
| Plymouth Rock | Varies |
| California Casualty | Varies |
| Travelers | Varies |
| AAA | Varies |
| Nationwide | Varies |
Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Farmers advertises the largest discount for healthcare workers — an average of 22% off, according to our research. But most companies don’t advertise specific amounts, so it’s best to shop around to find the company offering you the best rates.
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The Best Car Insurance for Healthcare Workers
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Many factors determine your car insurance rates, like your age, driving record, ZIP code, and auto insurance coverage choices. If you’re a nurse looking for a good deal with the lowest rates on the insurance coverage you need, consider getting a quote from these companies offering the best nurse car insurance discounts, according to our research.
Farmers
Advertised discount amount: Average of 22%
Average premium: $174 per month
Compare.com Rating: 4.98 out of 5
Farmers offers competitive rates and an affiliation discount for nurse members of organization partners like NursesUSA and Union Plus. You can save an average of 22% by clicking through the partner organization’s website to get a quote through the Farmers Insurance Choice program.
You must be an active, dues-paying member or retired member to qualify.
Liberty Mutual
Advertised discount amount: Up to $947
Average premium: $207 per month
Compare.com Rating: 4.62 out of 5
Healthcare professionals who are members of the American Association of Registered Nurses, American Nurses Association, and other organizations may save up to $947 on car insurance through Liberty Mutual, according to the company’s website.
You’ll need to log into your membership portal to get the unique link to apply for auto coverage and see how much you can save.
GEICO
Advertised discount amount: Up to 8%
Average premium: $86 per month
Compare.com Rating: 4.65 out of 5
GEICO is one of the top insurance companies, offering some of the cheapest auto insurance rates for drivers of all ages. And on top of that, members of the American Society of Registered Nurses (ASRN) can save up to 8% on GEICO car insurance.
GEICO has an extensive list of professional organization groups that receive discounts, so even if you don’t belong to ASRN, you may still qualify for the discount.
How to Get a Nurse Discount on Your Car Insurance
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Car insurance companies provide specific discounts, known as affinity discounts, through a large network of professional organization partnerships, including colleges, fraternities, sororities, and occupational memberships. Nurses belonging to a qualifying organization are eligible for an affinity discount through some insurers — a few of which may also offer additional perks.
For example, New Jersey State Nurses Association members can get a discount through Plymouth Rock Assurance. It also offers additional benefits, such as faster claims processing through its Crashbusters program, door-to-door valet claim service, and taxi services to get you home safely if you’ve had too much to drink.
California Casualty is another company that offers an affinity discount for nurses, as well as other benefits. You can get $500 in personal property coverage if you get into an accident or someone steals your vehicle and a lower deductible if your car is vandalized or hit while parked within 500 feet of the hospital or institution where you work.
Insurance companies offering affinity discounts typically have discount ranges that vary based on the type of organization. For instance, you might save more as a member of the ANA than as an alum of your nursing school.
It’s worth discussing your options with your insurance agent to find out which affiliation offers the largest discount and to provide proof you qualify.
Other Common Car Insurance Discounts
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In addition to the affiliation discounts mentioned above, nurses have several ways to avoid paying higher rates for auto insurance.
Here are some of the best car insurance discounts you can qualify for:
Bundle discount: To get a multi-policy discount, purchase at least two insurance products — such as car and renters, home, or life insurance — from the same company.
Good student discount: If you or another family member is a full-time student with good grades, you may qualify for a good student discount.
Usage-based discount: You can get an initial discount for participating in your insurer’s telematics program, with the potential to earn an even larger discount depending on your driving behavior.
Multi-car discount: Insure more than two vehicles with the same insurer to get a multi-car discount.
Automatic payment discount: Some companies waive additional costs for monthly billing if you set up automatic payments through your bank account.
Car Insurance Discounts for Nurses FAQs
Helping people is a nurse’s job, and some companies reward the profession with lower rates and an affinity discount. Below are the answers to common questions about the nurse car insurance discount.
Yes. GEICO offers a discount for professional organization membership, which can include medical professionals and nurses. You can save up to 8% on car insurance with GEICO, depending on which partner organization you belong to.
Yes. Members and supporters of NursesUSA and Union Plus can get special pricing on car and home insurance through Farmers Insurance Choice. Farmers also has an affinity discount for members of professional organizations and occupational groups, including nursing associations.
Union and other affiliation members eligible for Farmers Insurance Choice coverage save an average of 22% on car insurance, according to our research. But the exact amount you can save depends on your state, affiliation, and coverage choices.
You typically have to be a nurse or healthcare professional and a member of a qualifying professional organization to get a nurse discount for car insurance, but exact qualifications depend on the company. You may need to provide proof of membership to add the discount to your auto insurance policy.
No. Unless your insurance company offers an affiliation or affinity discount, it probably doesn’t provide a discount for nurses. Liberty Mutual, Farmers, GEICO, Travelers, and California Casualty are examples of car insurance companies offering a nurse discount.
Sources:
Union Plus, “Auto Insurance,” accessed November 14, 2024.
American Nurses Association, “Personal Benefits,” accessed November 14, 2024.
American Society of Registered Nurses, “Membership benefits,” accessed November 14, 2024.
NursesUSA, “Get the Most from Your NUSA Membership,” accessed November 14, 2024.
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Mandy SleightInsurance Writer
Mandy Sleight has over 15 years of insurance knowledge and expertise in auto, home, life, health, pet, supplemental benefits, and other insurance products. She’s a sought-after insurance expert, appearing in Bankrate.com, Moneygeek.com, U.S. News & World Report, Reviews.com, CNET, and other publications, and she's been writing for Compare.com since 2023.
Mandy uses her background and experience working for well-known insurance companies like State Farm and Nationwide Insurance to create engaging and easy-to-understand content that helps readers make smarter insurance choices that have a positive effect on their budgets and finances.
Nick Versaw leads Compare.com's editorial department, where he and his team specialize in crafting helpful, easy-to-understand content about car insurance and other related topics. With nearly a decade of experience writing and editing insurance and personal finance articles, his work has helped readers discover substantial savings on necessary expenses, including insurance, transportation, health care, and more. As an award-winning writer, Nick has seen his work published in countless renowned publications, such as the Washington Post, Los Angeles Times, and U.S. News & World Report. He graduated with Latin honors from Virginia Commonwealth University, where he earned his Bachelor's Degree in Digital Journalism.
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