Best Car Insurance Discounts for Nurses


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Key Takeaways

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Nurses and other health professionals can save 3 to 15% on car insurance through occupation-based discounts, with some insurers like GEICO offering $24 off six-month premiums for nurses.

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Major insurers like AAA, California Casualty, COUNTRY Financial, Farmers, Nationwide and Plymouth Rock offer occupation-based and affinity discounts to nurses.

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Professional organizations like the American Nurses Association and American Society of Registered Nurses partner with insurers to provide exclusive member discounts.

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Discount availability varies by nursing specialty. RNs, CNAs, LPNs and APRNs may qualify for different savings opportunities depending on the insurer.

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Car Insurance Discounts for Nurses by Specialty

Your nursing specialty affects which discounts you'll find. Here's how to maximize savings by finding the best car insurance based on your credentials and location.

  1. 1

    Registered Nurses (RNs)

    You've got the most options as an RN. Insurance companies recognize your professional training, and nursing organizations offer extensive partnerships.

    • Best savings opportunities: AAA, GEICO, Nationwide and Progressive
    • What you'll save: 5 to 10% off your premium
    • Bonus perks: Nearly every professional organization has partnerships available
    • What they'll need: Just your RN license number
    • Where RNs save the most: GEICO and Progressive both offer professional discounts for nurses. AAA and Nationwide offer the most partnership options if you're in multiple organizations.
  2. 2

    Certified Nursing Assistants (CNAs)

    Working directly with patients in facilities? Some insurers offer extra perks if your car gets damaged in the hospital parking lot.

    • Best savings opportunities: California Casualty, COUNTRY Financial and Farmers
    • What you'll save: 3 to 8% off premiums
    • Bonus perks: California Casualty cuts your deductible if someone hits your car within 500 feet of work
    • What they'll need: CNA certification plus employment verification
    • Where CNAs save the most: California Casualty understands facility work, they'll even reduce your deductible for parking lot incidents. COUNTRY Financial and Farmers also recognize CNA roles.
  3. 3

    Licensed Practical Nurses (LPNs)

    Most insurers treat LPNs the same as RNs when it comes to discounts.

    • Best savings opportunities: Nationwide, Plymouth Rock, plus regional insurers in your area
    • What you'll save: 4 to 9% savings
    • Bonus perks: You often qualify for the same professional rates as RNs
    • What they'll need: LPN license and current employment
    • Where LPNs save the most: Nationwide and Plymouth Rock often give you the same rates as RNs. Regional insurers in your area might have even better deals.
  4. 4

    Advanced Practice Registered Nurses (APRNs)

    Your advanced degree can help you get discounts. Some insurers offer education-based savings on top of professional rates.

    • Best savings opportunities: AAA, Liberty Mutual and professional liability insurers
    • What you'll save: 5 to 12% (sometimes higher with education bonuses)
    • Bonus perks: Professional nursing discount PLUS graduate degree discount
    • What they'll need: APRN certification and degree verification
    • Where APRNs save the most: Liberty Mutual and AAA often stack education discounts with professional ones. If you carry professional liability insurance, ask about bundling deals.
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STACK THOSE SAVINGS

Here's where nurses get discounts:

  • Professional + safe driving record: Can reach 20% total savings
  • Organization membership + bundling home insurance: Stack up to 25%

Still in school? Nursing students maintaining 3.0+ GPA can add another 10 to 20%. Explore cheap car insurance options for young adults if you're just starting your nursing career.

Organizations Offering Discounts for Nurses

Consider these as your professional perks. Membership fees often pay for themselves through insurance savings alone.

Organization
Insurance Partners
What You'll Save

American Nurses Association (ANA)

Liberty Mutual, Nationwide

Up to $947 on bundled home and auto through Liberty Mutual

American Society of Registered Nurses

AAA, GEICO

AAA deals in Southern California; GEICO offers up to 8% for members

Association of Women's Health, Obstetrics, and Neonatal Nurses (AWHONN)

GEICO

Exclusive member rates

New Jersey State Nurses Association

Plymouth Rock

State-specific discounts

Health Occupations Students of America (HOSA)

GEICO

Student nurse discounts

How to Claim Nurse Insurance Discounts

Claiming your nurse discount is simple. Most insurers just need basic proof, like your nursing license, hospital ID or a letter from your employer. The process is fast, since insurance companies make it easy for healthcare professionals to qualify.

How Much Can Nurses Save on Car Insurance? 

Nurses can typically save between 3% and 15% on car insurance just for working in healthcare, and in some cases, even more. The actual discount depends on your insurer, state and whether you're a member of a professional organization.

Nurse Discount Breakdown by Insurer
Insurer
Type of Discount
Savings Range

Occupation-based

3% – 15% off premiums

Professional discount

3% – 15% off premiums

State-specific nurse discount

Up to 10% in select states

Organization-based

5% – 8% via ANA or ASRN

WHY INSURERS LOVE NURSES

Data shows that healthcare workers file fewer claims and drive more carefully than other professions.

Stackable Auto Insurance Discount Options for Nurses

Nurse-specific discounts are just the beginning. Most insurers allow you to stack standard car insurance discounts on top of your occupation-based savings, giving you even more ways to cut costs. Whether you’re a seasoned RN or a nursing student balancing clinicals, these extra discounts reward safe driving, smart budgeting and low-mileage habits common among healthcare workers..

Discount Type
Savings Range
How to Qualify
Why It's Great for Nurses

Safe Driver

10% – 25%

3 to 5 years with no accidents, claims or violations

Nurses tend to drive carefully after seeing real-world trauma

12% – 25%

Bundle auto with renters or homeowners insurance

Most nurses need renters/home insurance for liability anyway

5% – 15%

Complete a state-approved online or in-person course

Easy to fit into a busy schedule; often available online

Good Student

10% – 20%

Maintain a 3.0+ GPA (nursing students only)

A great bonus for student nurses juggling school and clinicals

Pay in Full

3% – 8%

Pay your premium annually instead of monthly

Perfect if you're using a shift differential or bonus

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WHEN TO FILE VS. PAY OUT-OF-POCKET INSURANCE

If damage is under $750, especially from minor incidents like a parking lot scrape, paying out of pocket is often cheaper. Filing a claim could raise your premiums 20 to 30% for up to three years. For repairs over $3,000, file a claim and consider companies offering accident forgiveness. 

For damages between $750 to $2,000, weigh your deductible against potential rate hikes. Nurses, who often drive tired after long shifts, may benefit from accident forgiveness programs from Allstate, GEICO, Liberty Mutual and Progressive.

Best Car Insurance Companies Offering Discounts for Nurses

Nurses can reduce car insurance expenses by applying for occupational discounts. The table below shows the top companies that provide discounts for nurses.

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 affiliation-based discounts depending on your location. Partnerships with organizations like the American Society of Registered Nurses may make you eligible for savings.

California Casualty

Nationwide (including the District of Columbia)

Nurses can benefit from California Casualty's unique discounts, such as reduced deductibles if their vehicle is damaged or vandalized within 500 feet of their workplace.

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 offers occupation-based discounts of 5–10% for full-time firefighters, police officers, EMTs and paramedics.

*Note: Organization-based car insurance discounts are common for nurses. Check with your insurance provider to see if it offers special discounts for your profession.

Car Insurance Discount for Nurses by State

Location matters. Some states have multiple options for nurse discounts, while others offer limited choices.

States Where Nurses Have Multiple Options

California: AAA Southern California partnerships plus California Casualty statewide coverage
Texas: Nearly every major insurer offers nurse discounts
Florida: Wide availability across most companies
New York: AAA, GEICO and Progressive all offer professional discounts
Pennsylvania: AAA, Nationwide and regional options

Limited Options (But Still Worth Checking)

Nevada: Stay with AAA and major national insurers
Utah: Mainly Nationwide and Farmers
Vermont: Professional organization partnerships are your best bet

Regional Strategies

Northeast: AAA partnerships strongest, Plymouth Rock for tri-state area
Southeast: Nationwide and Farmers most available
West Coast: California Casualty and AAA dominate
Midwest: COUNTRY Financial competitive in their service area

If your state has limited direct discounts, professional organization memberships become even more valuable.

Compare Car Insurance Discounts for Nurses

Companies calculate rates differently. If you're looking for the best and most affordable policy, comparing quotes from multiple providers can help. Use MoneyGeek's calculator below to get accurate estimates.

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$192
High
$139
Average
$87
Low

Rates updated:

Jul 18, 2025

Insurance Carrier
MoneyGeek Score
Average Monthly
Payment
1
Capital Insurance Group

Capital Insurance Group

94
/of 100
$87
2
GEICO

GEICO

82
/of 100
$109
3
83
/of 100
$118
4
83
/of 100
$129
5
79
/of 100
$133
6
77
/of 100
$151
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Best Auto Insurance Discounts for Nurses: Bottom Line

Healthcare professionals can save 3 to 15% through occupation-based discounts, with major insurers like GEICO and Progressive offering professional discounts specifically for nurses. Professional organization memberships and discount stacking can provide additional premium reductions, with total savings reaching 25% or more for nurses who combine multiple discount opportunities.

Get quotes from multiple insurers offering nurse-specific discounts and learn additional ways to lower your car insurance rates and switch car insurance companies if you find better rates.

Compare Auto Insurance Rates

Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.

Why do we need ZIP code?

Auto Insurance Discounts for Nurses: FAQ

MoneyGeek addresses common questions about car insurance discounts for nurses, providing tips on how to save money.

What companies offer the best nurse discounts?

Do different nursing specialties get different discounts?

How do I prove I'm a nurse for insurance discounts?

Will working night shifts hurt my insurance rates?

Can I combine nurse discounts with other savings?

What's the difference between occupation-based and affinity discounts?

Are nurse discounts available in all states?

Should I use telematics programs as a nurse?

Best Car Insurance Companies for Nurses: Our Review Methodology

We designed our research to reflect the challenges nurses face: irregular schedules that affect driving patterns, potential employer discounts and the need for reliable coverage that won't break the bank on a healthcare salary.

Our Sample and Coverage Analysis

We focused on five major insurers known for offering nurse-specific discounts or competitive rates for healthcare professionals. Our analysis included both minimum coverage (meeting state requirements) and full coverage (liability plus comprehensive and collision) to help nurses at different career stages find appropriate protection.

We examined coverage options particularly relevant to nurses, including:

  • Employer group discounts through healthcare systems
  • Professional association discounts for nursing organizations
  • Good driver discounts for nurses who work long shifts but drive infrequently
  • Multi-policy discounts for combining auto and renters insurance

Why This Methodology Works for Nurses

Healthcare professionals often qualify for discounts through their employers or professional associations, but these savings aren't always obvious during online quoting. We contacted insurers directly to verify which discounts apply to nurses and how to access them.

We also considered that many nurses work non-traditional schedules, which can affect accident risk and potentially lower rates with some insurers. Our research included insurers that factor in annual mileage and driving patterns rather than just demographics.

Sources and Verification

We verified all discount information through multiple sources to ensure nurses can access the recommended savings. Rate comparisons reflect what a nurse would actually pay, including applicable professional discounts, not just standard rates.

Car Insurance for Nurses: Related Articles

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.

Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!

Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.


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