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Car Insurance for Nurses

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The lowdown...
  • If you’re a nursing student and you get good grades, you will get a Good Student Discount on your insurance
  • After graduation, you’ll lose your Good Student Discount but can receive an occupational discount for being a nurse
  • Insurers will give nursing professionals and degree holders discounts for being statistically more responsible drivers
  • If you’re a part of a professional nursing association, see if you can get an auto insurance affiliation discount
  • Your commute to and from the facility that you work in can have a direct effect on your insurance premiums

Nurses spend a lot of time studying anatomy, biology, physiology, and nutrition so that they are prepared to work with patients in a variety of healthcare settings.

As high as the demand is for nursing professionals, not everyone possesses the qualities that every nurse needs to succeed in the field. If you’re an empathetic communicator who can keep calm in stressful situations, you may be the perfect fit.

Nurses may not work in the most glamorous settings, but there’s a real payoff. Not only is the work rewarding and fulfilling, it could qualify you for discounts when you’re buying auto insurance.

Get the best rate for the insurance coverage you need by entering your zip code into our free comparison tool above.

Nurses tend to pay less for insurance than the average professional. Here’s what you should know about car insurance for nurses:

Being a Nursing Student Can Save You Money

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The average nursing student will spend anywhere from $40,000 to $200,000 to earn their Bachelor of Science in Nursing at a public or private institution.

Since nursing curriculum is very demanding, students earn little to no income while they are studying. This inability to make money is why so many students take out loans while they are completing their studies.

You may rack up student loans to survive as a nursing student, but there are some benefits.

While you’re a full-time student, you could be eligible for special discounts on your auto insurance. One of these discounts is called a Good Student Discount.

Who is eligible for a Good Student Discount?

Maintaining good grades while you’re in nursing school can be challenging, but it’s a must if you want to earn a scholarship that helps you pay for tuition or supplies.

Getting good grades won’t just land you on the Dean’s List, it will also ensure that you’re eligible for a Good Student Discount (GSD).

You must be enrolled in school and taking a minimum amount of credits for the insurer to offer you a GSD. Most carriers want proof that you’re taking no less than 12 credits per semester.

You also can’t receive the discount if you’re a graduate student or if you’re over the age of 25. Grade requirements vary, but most companies require a B average or a 3.0 GPA.

How much will you save as a nursing student?

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If you’ve provided proof that you’ve earned the minimum GPA that the carrier requires, you can give your transcripts to your agent and you’ll see your rate drop for as long as you’re in school.

The actual savings will be dependent on the company, but some GSD’s are as high as 25 percent off of the total premium.

When you go from student to professional nurse, will you save money?

Being a student can pay off, but if you’re studying nursing while you’re still young and inexperienced your rates might be higher than you’d think. As you gain years of driving experience, your rates will drop.

By the time you graduate, you should have at least four to six years of driving experience, which will help you save.

What will also help you save is going from student to professional.

You’ll lose the GSD right when you earn your degree, but when you change your occupation to nursing professional you’ll receive a favorable occupational rating. If you don’t update your occupation, you won’t get the rating.

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Why do nurses get an occupation discount?

Your profession can say a lot about your potential of filing a claim. As unrelated as you might think the two subjects are, actuaries have determined that some professionals are better drivers than others.

This correlation is why the occupation classification can directly impact your premiums.

Nurses have a stressful job but trends in claims data show that the stress doesn’t equate to poor driving.

In fact, since nurses in many environments see trauma regularly, they are more apt to be responsible drivers who obey the rules of the road and who wear their seat belt.

These are a few reasons why nurses can save just because of their profession.

What is an affiliation discount?

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Pretty much all of the standard and preferred providers offer some type of occupation discount for professionals like insurance agents, pilots, medics, and nurses.

Not all insurers offer their clients an affiliation discount. That’s something you’ll have to shop around for.

An affiliation discount is one that’s offered to members of specific professional associations that the carrier partners with.

Some of the larger carriers who want to build a large clientele of nurses will offer special rates to professional members of the American Nurses Association (ANA).

There may be other associations that have partnered with carriers to offer their members a special group rate for personal insurance.

How does your commute affect your rates?

Getting occupation discounts and affiliation discounts is nice, but your work can have indirect effects on your rates.

It doesn’t matter if you work in a clinic, a hospital, or a doctor’s office, if you’re driving to any of these healthcare settings on a daily basis, you’ll have to pay a commuter rate.

Insurance companies assign usage classifications to each car that’s on a policy. The car will be classified as a commuting car, a pleasure vehicle, or a business vehicle.

Most nurses who drive to work pay a commuter rate based on how far away the facility is from their home. If you work with several different providers, you might pay a business rate instead of a commuter rate. Business classes cost more.

You Can Save if You Skip the Commute

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If you decide that it’s best that you take public transportation to work, you can save money on your insurance. All cars that aren’t used during a commute or during trips to office sites will receive a pleasure usage rating.

Pleasure vehicles come with the lowest rates. If you carpool on and off, you could receive a partial discount.

Are you eligible for a low-mileage discount?

Your mileage is another factor that could affect your personalized premiums. When you skip the commute or you live very close to where you work you can maintain a low annual mileage amount.

You have to do the math and estimate how much you’ll be driving to and from work and then how much you anticipate you’ll drive for personal use. Nurses who drive less than 10,000 could save money.

The highest low-mileage discounts are applied to cars that are driven less than 5000 miles total every year.

Moving For Work Could Affect Your Rates

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If you take a job and decide to move from one neighborhood to another, the move could lead to a different rate. As long as it’s an in-state move, you don’t have to change your insurance policy.

You do, however, have to update your garaging and mailing address with your agent.

Updating just your mailing address isn’t going to change your insurance bill. It’s when your garaging address changes and you live in a new zip code that you’ll possibly have a new insurance bill.

If you’re looking for a new home in or around the city where you’ll be working, you should see what the rates look like in surrounding zip codes.

Why does the zip code that you live in matter?

Your territory has a dramatic affect on your rates because it’s where your car is physically parked a majority of the time.

Not only is there potential for the car to be vandalized or stolen, the zip code where the car is parked is where you start off whenever you hit the road.

If there’s a high rate of claims based on the population in the area, you’re going to pay a higher premium because of the risk.

You could look at crime rates and motor vehicle crash data by zip code, but it’s easier to just get quotes for insurance in various zip codes where you’d like to live to see if the move will cost you or save you.

What happens when you move out-of-state to take a nursing job?

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Many states offer licensed nursing professionals special incentives to move because they have a shortage of qualified professionals.

Not only do these nurses have a guaranteed job with decent pay, they can write off their moving expenses on their taxes.

There are a lot of advantages for nurses to move out of the state to take open positions, but it can pose problems when it comes to transferring your registration and insurance.

If you do become a resident of the state, you’ll need to register the car in the new state. Then, since the car will have new plates, you’ll have to change your insurance policy so that it’s written under new state laws.

Can you just change the address on your insurance?

You can’t just change the mailing address on your policy and call it a day when you surrender your plates and apply for plates in your new state.

If you don’t notify your insurance company, you would be violating the new state’s insurance laws which could lead to trouble and it will definitely cost you money in penalties and fees.

Instead of just changing your mailing address you have to contact your insurer and initiate the process of transferring your coverage.

Transferring a policy to an out-of-state agent isn’t too hard if the carrier operates in both states.

Unfortunately, not all carriers operate in all states. You’ll have to see if there are different coverage requirements and limit restrictions so that you know what to expect.

What type of coverage can you add to your personal car insurance?

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You don’t want your nursing salary to be garnished because you don’t have sufficient insurance on your personal car.

Not only could you be court-ordered to live off of a limited income if you have a loss, you could also be forced to have your assets liquidated. Here’s how common coverage options provide protection:

  • Bodily Injury Liability – will protect your assets when you’re liable for injuring one or multiple people in a car accident
  • Property Damage Liability – will protect your assets when you’re liable for damaging property in a car accident
  • Medical Payments – will pay for your medical expenses if you need emergency treatment after a collision
  • Uninsured Motorist – will protect your finances by paying for medical bills incurred when someone with no insurance injures you in an accident
  • Comprehensive – will pay to fix your car or replace it after it’s damaged by perils like fire, theft, vandalism, hail, and flooding
  • Collision – will pay to fix your car after an accident if you collide with another object (usually pays when you’re at fault)

If you’re looking for car insurance that’s specifically for nursing professionals, the best start is to get insurance quotes. You don’t need to contact all of the insurers that your nursing friends have directly to find a good rate.

Instead, you can just go online, enter your information, and get all the car insurance quotes that you need at once in a matter of minutes. Enter your zip code below to begin.

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