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.
Auto Insurance
Best Car Insurance Discounts for Nurses
Updated: July 15, 2025
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Key Takeaways
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.
Major insurers like AAA, California Casualty, COUNTRY Financial, Farmers, Nationwide and Plymouth Rock offer occupation-based and affinity discounts to nurses.
Professional organizations like the American Nurses Association and American Society of Registered Nurses partner with insurers to provide exclusive member discounts.
Discount availability varies by nursing specialty. RNs, CNAs, LPNs and APRNs may qualify for different savings opportunities depending on the insurer.
Car Insurance Discounts for Nurses by Specialty
- 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
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
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
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.
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 |
Paperless Billing | 2% – 5% | Opt into digital policy statements and billing | Cuts clutter and makes admin easier |
Safety Equipment | 5% – 15% | Drive a vehicle with safety tech like AEB or anti-theft systems | Many nurses commute and benefit from safer vehicles |
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 | COUNTRY Financial offers occupation-based discounts of 5–10% for full-time firefighters, police officers, EMTs and paramedics. |
Farmers | 38 states, including | Farmers offers an affinity discount program for various professions, including nurses. Eligible policyholders can receive a 5% discount on car insurance. |
Plymouth Rock | Six states, including CT, MA, NH, NJ, NY, PA | In New Jersey, Plymouth Rock partners with the State Nurses Association to offer a special discount on auto insurance for members of the NJSNA. |
*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.
Car Insurance Calculator
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$192
High
$139
Average
$87
Low
Rates updated:
Jul 18, 2025
| Insurance Carrier | MoneyGeek ScoreMG Score | Average Monthly Payment | |
|---|---|---|---|
| 1 |  Capital Insurance Group | 94 /of 100 | $87 |
| 2 |  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 |
Although MoneyGeek partners with some of the companies we recommend, our content is written and reviewed by an independent team of writers, editors and licensed agents. Learn more about our editorial policies and expert editorial team.
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.
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?
GEICO and Progressive lead with the most concrete savings of $24 to 47 off six-month premiums for nurses. AAA covers the most states for nurse discounts, while California Casualty offers a unique workplace proximity benefit (reduced deductibles for parking lot damage).
Do different nursing specialties get different discounts?
Yes, RNs have the most options through professional organizations. CNAs and LPNs often get better deals with insurers like California Casualty, which understand facility-based work. APRNs can sometimes get education discounts on top of professional ones.
How do I prove I'm a nurse for insurance discounts?
Most insurers require your license number, hospital ID or employment letter. Verification usually happens online or over the phone in minutes.
Will working night shifts hurt my insurance rates?
Your nursing schedule won't affect standard discounts. The problem is telematics programs that penalize late-night driving. If you work nights regularly, skip programs like Allstate Drivewise. Progressive Snapshot and USAA SafePilot are more healthcare-schedule friendly.
Can I combine nurse discounts with other savings?
Yes, this is where nurses save money:
- Professional discount + safe driving record = up to 20% total
- Organization membership + home insurance bundle = up to 25%
- Student nurses can add good student discounts, similar to discounts available for college students
What's the difference between occupation-based and affinity discounts?
Occupation-based: You qualify for being a nurse. Affinity: You need organization membership. Affinity discounts are often better, but cost membership fees. If membership saves you $200+ annually on insurance, it's worth the dues.
Are nurse discounts available in all states?
No, and it varies. California, Texas and Florida have many options. Some states only offer discounts through professional organizations. Always check with insurers in your specific state.
Should I use telematics programs as a nurse?
Depends on your schedule and driving habits. Day shift + safe driving = potential 30 to 40% savings. Night shift workers should avoid time-based penalty programs. Those apps will cost you money if you're working 3 AM shifts regularly.
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
- American Society of Registered Nurses
- Association of Women's Health, Obstetric and Neonatal Nurses
- California Casualty
- COUNTRY Financial
- HOSA Future Health Professionals
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.
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About Mark Fitzpatrick
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.
sources
- American Society of Registered Nurses. "Membership Benefits." Accessed March 24, 2025.
- Association of Women’s Health, Obstetrics, and Neonatal Nurses. "Discounts & Special Offers." Accessed March 24, 2025.
- California Casualty. "Auto & Home Insurance Built for Nurses." Accessed March 24, 2025.
- COUNTRY Financial. "Car Insurance Discounts." Accessed March 24, 2025.
- Health Occupation Students of America. "GEICO + HOSA." Accessed March 24, 2025.
- Plymouth Rock. "New Jersey State Nurses Association." Accessed March 24, 2025.