Best Cheap Car Insurance Rates & Discounts for Doctors

Although occupation doesn’t affect a car insurance premium much, some insurance carriers offer discounts for occupational and organizational affiliations, such as being a doctor, medical professional or healthcare worker.

When comparing coverage and rates, the cheapest full coverage car insurance rate is often the best option for a doctor’s car insurance. If you’re unsure if your insurance company offers a discount, ask your agent. When comparing coverage and rates, the cheapest full coverage car insurance rate is often the best option for a doctor’s car insurance.

Rather than trying to find an insurance policy that is specifically for doctors, you are better off searching for the cheapest full coverage car insurance. Not only can you get coverage faster, but you can also potentially save even more with additional discounts like safe driving and bundling home and auto insurance. Most carriers allow stacking discounts, which can help you maximize savings when comparing quotes for car insurance for doctors and other professions.

• Cheapest Car Insurance Companies for Doctors
• How Doctors Can Save on Car Insurance
• How Much Is the Average Doctor’s Car Insurance
• Do Doctors Get Car Insurance Discounts?
• Frequently Asked Questions

We set out to find the cheapest car insurance companies for doctors. Our sample quotes were based on a 40-year-old man with no claims history and a clean driving record. We found the cheapest doctors’ car insurance is from State Farm. Since occupation only has a minimal effect on an auto insurance premium, it’s best to find the cheapest car insurance companies offering the coverage you need rather than a company offering a car insurance discount for doctors.

So, how much is insurance for doctors? Not much different than for other professions because being a doctor may only make a small difference in how much you pay for car insurance. The average cost of car insurance for a 40-year-old male with no claims, tickets, or at-fault accident is $987 based on PBI National Coverage Baseline annual average.

Although car insurance for healthcare workers may be cheaper with an occupation or affiliation discount, depending on what state you live in and how car insurance rates are calculated, your credit score may negate that discount. A good FICO credit score is 670-790. If you have a poor credit score (FICO score of 300-579), you could end up paying more for coverage, even with a car insurance discount for doctors on your policy.

Driving history can have a major effect on auto insurance for healthcare workers and any other professional. For instance, if you have a DUI, an at-fault accident or just a speeding ticket on your driving record, it could mean the difference between paying a cheap rate for doctors’ car insurance or a high premium.

Yes, some companies offer a car insurance discount for doctors and other healthcare workers. These discounts are occupational discounts, like the car insurance discount for nurses. When getting auto insurance as a doctor or other medical professional, ask the insurance company about these types of discounts. If an occupational discount isn’t available for doctors, consider an organization affiliation discount, like being a member of the American Medical Association (AMA).

Finding the best, cheap doctors’ car insurance doesn’t have to be hard, especially if you consider discounts. Here are answers to some common questions about auto insurance for medical professionals.