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.
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 DiscountLocationDescription
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, CTAAA 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, WICountry 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, WIFarmers 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
Assurance6 states, including
CT, MA, NH, NJ, NY, PAPlymouth 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.
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
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.
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
- DiscountBest 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
- For policyholders who have been buying insurance
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
- For drivers who have remained accident-free for a
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
- For drivers who have completed a state-approved
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
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.
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.
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.
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.
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.
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sources
- 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.