For nurses, saving on auto insurance premiums is possible through occupational discounts offered by some insurers. Car insurance discounts for nurses may not be available in some locations or through certain companies. If you are a member of a professional nursing organization, you may qualify for an affiliation discount through some insurance companies. MoneyGeek breaks down different ways to reduce your car insurance costs.
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Companies That Offer Car Insurance Discounts for Nurses
Nurses looking for a way to lower their car insurance costs can apply for occupational discounts. Some companies offering discounts for nurses include AAA, California Casualty, Country Financial, Farmers, Nationwide and Plymouth Rock Assurance.
Special car insurance discounts for nurses are frequently organization-based. You can ask your insurance carrier if they have a special discount available for you.
Nurses’ Auto Insurance Discounts
Company With Nurse Discount
21 States, including
AAA offers auto insurance in 21 states. Depending
Nationwide (including the
California Casualty offers auto insurance in all
19 states, including
Country Financial has an occupation-based discount
38 states, including
Farmers has an affinity discount program for
6 states, including
Plymouth Rock Assurance offers auto insurance in
Organizational Affiliations With Car Insurance Discounts for Nurses
Nurses can save money through car insurance discounts for nurses. Many nurse discounts, especially those offered by major insurance companies, are based on organizational affiliations. These organizations include the American Nurses Association, American Society of Registered Nurses, Association of Women’s Health, Obstetrics and Neonatal Nurses and New Jersey State Nurses Association.
American Nurses Association
The American Nurses Association (ANA) is an organization of registered nurses across the nation. To help its members, the ANA partnered with various insurers to provide auto insurance discounts.
American Society of Registered Nurses
The American Society of Registered Nurses, a nonprofit association, has partnered with different insurance companies to offer unique benefits to its members. As a result, members can save money on auto insurance by getting a policy through AAA. Those who opt to get an auto insurance policy through GEICO also benefit: they can get up to 8% off their insurance prices.
Association of Women’s Health, Obstetrics, and Neonatal Nurses
Health Occupation Students of America
The HOSA, which was formerly called the Health Occupation Students of America, is an international organization that aims to help members pursue health careers. To help its alumni, advisors and members, the company has partnered with GEICO. You can save with the HOSA special discount when buying auto insurance from GEICO.
New Jersey State Nurses Association
Plymouth Rock Assurance has partnered with the New Jersey State Nurses Association (NJSNA) to offer the members of the association a special discount when they buy auto insurance. NJSNA represents more than 110,000 registered nurses and advanced practice nurses in New Jersey.
Other Auto Insurance Discounts Nurses Can Use
Occupation-based discounts are not the only available auto insurance discount options for nurses. Other types of discounts include behavior-based, loyalty-based and telematics-based discounts. MoneyGeek lists some car insurance discounts you can consider.
Other Discounts For Nurses
Vehicle and Safety
Pay in Full
Other Ways to Save on Car Insurance Premiums as a Nurse
Getting a discount based on profession or professional affiliation is one way of lowering insurance premiums. Nurses who do not qualify for these discounts or who have different needs can try the following to save money on car insurance:
Shopping Around for Quotes
Shopping around for quotes can help you find the cheapest car insurance. You can use MoneyGeek’s quote comparison tool to get started.
If you plan on having different types of insurance, consider bundling. For instance, bundling auto and home insurance policies by buying from the same insurance company can help you save on premiums.
Choosing to have a higher deductible can help lower your insurance premiums. A deductible is the amount of money you pay out of pocket when filing a claim.
Nurses who do not drive frequently may consider usage-based or pay-per-mile insurance. This option can be cheaper for those who drive less than 12,000 miles a year.
Drop Unnecessary Coverage
Experts say it is more practical to drop comprehensive coverage if your premiums are worth more than 10% of the cash value of your vehicle. Be sure to evaluate how much car insurance you need to prevent being underinsured.
Frequently Asked Questions About Car Insurance Discounts for Nurses
The best way to lower car insurance premiums depends on your needs and circumstances. MoneyGeek answers some frequently asked questions about car insurance discounts for nurses to help you find out how to save money.
About Mark Fitzpatrick
- American Society of Registered Nurses. "Membership Benefits." Accessed April 28, 2022.
- Association of Women’s Health, Obstetrics, and Neonatal Nurses. "Discounts & Special Offers." Accessed April 28, 2022.
- California Casualty. "Auto & Home Insurance Built for Nurses." Accessed April 28, 2022.
- Country Financial. "Car Insurance Discounts." Accessed April 27, 2022.
- Health Occupation Students of America. "GEICO + HOSA." Accessed April 28, 2022.
- Plymouth Rock Assurance. "New Jersey State Nurses Association." Accessed April 28, 2022.