Car Insurance Discounts for Nurses

If you are a nurse, you may be able to lower your auto insurance costs with discounts based on your profession. Some major insurance companies offer car insurance discounts for nurses through organizational affiliation. You may also find general insurance deals that aren’t specifically for nurses.

Advertising & Editorial Disclosure
Last Updated: 8/11/2022
Written By     |  

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.

Table of Contents

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
    Location
    Description
  • AAA

    21 States, including
    WA, OR, CA, AK, AZ,
    NV, ID, MT, WY, CO,
    SD, KS, OK, IN, KY, OH,
    WV, VA, PA, NY, NJ, CT

    AAA offers auto insurance in 21 states. Depending
    on your location, you may qualify for one of the
    affiliation-based discounts through AAA. The
    company partners with several organizations,
    including the American Society of Registered
    Nurses.

  • California Casualty

    Nationwide (including the
    District of Columbia)

    California Casualty offers auto insurance in all
    states and the District of Columbia. It provides
    discounts for nurses, including reduced
    deductibles if the insured vehicle is hit or
    vandalized within 500 feet of the facility where
    the policyholder works.

  • Country Financial

    19 states, including
    AL, AK, AZ, CO, GA,
    ID, IL, IN, IA, KS, MN,
    MO, NV, ND, OK, OR,
    TN, WA, WI

    Country Financial has an occupation-based discount
    that covers full-time firefighters, police
    officers, EMTs and paramedics. Discounts can range
    from 5%–10%.

  • Farmers

    38 states, including
    AL, AZ, AR, CA, CO,
    CT, FL, GA, ID, KS,
    KY, LA, MD, MA, MI,
    MN, MS, MO, NE, NV,
    NJ, NM, NY, NC, ND,
    OH, OK, OR, PA, SC,
    SD, TN, TX, UT, VA,
    WA, WI

    Farmers has an affinity discount program for
    various professions. Nurses qualify for this
    program. Eligible policyholders can get a 5%
    discount on their car insurance.

  • Plymouth Rock
    Assurance

    6 states, including
    CT, MA, NH, NJ, NY, PA

    Plymouth Rock Assurance offers auto insurance in
    six states. In New Jersey, it has partnered with
    the State Nurses Association to offer a special
    discount on auto insurance to members of the
    NJSNA.

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.

1

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.

2

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.

3

Association of Women’s Health, Obstetrics, and Neonatal Nurses

The Association of Women’s Health, Obstetrics, and Neonatal Nurses works with a number of partners to offer exclusive saving opportunities to AWHONN members, including discounts on auto insurance. AWHONN members can get a discount on GEICO car insurance.

4

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.

5

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
  • Discount
    Best For
  • Customer Loyalty
    Discount

    • For policyholders who have been buying insurance
      from the same company for a certain number of years
    • Best for nurses who have been loyal to one insurance
      company
  • Accident-Free Good
    Driver Discount

    • For drivers who have remained accident-free for a
      certain number of consecutive years
    • Best for nurses who have a clean driving record
  • Driver's Education

    • For drivers who have completed a state-approved
      driver’s education course or training
    • Age requirements may apply
    • Best for nurses who are new or inexperienced drivers
      or for those looking to save money on their child’s auto
      insurance
  • Vehicle and Safety
    Equipment Discount

    • For drivers with cars that have certain safety features
    • Vehicle equipment discounts typically include airbags,
      anti-lock brakes, anti-theft systems, daytime running
      lights, VIN etching and other advanced safety systems
    • Best for nurses who have installed safety equipment in
      their cars
  • Pay in Full

    • For drivers making annual or six-month payments
    • Best for nurses who can pay premiums in a lump sum
  • Military Discount

    • Applies to active-duty military, reserves, retired,
      honorably discharged veterans and first responders
    • Best for nurses who also serve or have served in the
      military

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:

  • This is an icon

    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.

  • This is an icon

    Bundling

    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.

  • This is an icon

    Increase Deductibles

    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.

  • This is an icon

    Pay-Per-Mile Insurance

    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.

  • This is an icon

    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 the Author


expert-profile

Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.


sources