Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Mar 19, 2020

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The lowdown...

Doctors spend nearly a decade in college and medical school to earn their opportunity to complete their residency.

After all of the hard work and all of the time that’s spent focused entirely on your curriculum, you have to prove that you have what it takes to go from a medical student to a medical doctor by working long, odd hours in highly demanding environments.

One of the last things you worry about when you’re choosing your profession is how it will affect your car insurance rates.

Believe it or not, medical doctors pay a slightly higher rate than the average consumer because of their occupation.

Doctors may not see shopping for better auto insurance as a priority, but it’s worth it when you see how much you could save. Enter your zip code into our free comparison tool to find the right coverage at the right price.

How can being a doctor make you a riskier driver?


Your choice of occupation is one of the dozens of different factors that will be used to determine the price of your insurance.

According to insurers that use occupation as a rating factor, some professionals have more losses than others because of conditions that they drive in.

As a medical doctor, you’d think that you’d be classified as a responsible professional and a responsible driver.

Unfortunately, the statistics don’t work in your favor. According to claims data, doctors have one of the highest accident rates second to only teen drivers.

Out of all of the doctors surveyed, 27 percent had had at least one accident in the last three years.

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Common Reasons Doctors Have More Accidents

It’s easy to come to a conclusion when you see that teen drivers are the highest risk, but many people are perplexed by the fact that doctors are a close second.

Not all MDs have accidents, but those who do are exposed to more hazards on the roads for a few different reasons. Here are a few things that can contribute:

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How can your level of education help lower your rate?

While you do have a high-risk occupation in the eyes of standard insurers, that doesn’t mean that the time that you’ve spent studying in medical school was in vain. You can still enjoy insurance discounts for your educational attainment.

When you possess a degree, it shows that you’re driven and responsible. This is why degree holders receive more favorable rates than non-degree holders.

Does the type of car that you drive matter?


Occupation and level of education are factors that affect a doctor’s car insurance rates but another factor to consider is the type of car you drive.

Doctors are known to buy luxury vehicles and that’s any key contributor to the fact that doctors pay slightly more than the average driver for their insurance.

Your choice of vehicle is going to have an obvious effect on your insurance rates.

If you own a Mercedes, a Lexus, a BMW, or another luxury brand, you’re going to pay an expensive premium, partly because of what the car costs to replace and also because of how much luxury cars cost to repair.

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What is an ISO rating and what does it tell your insurer?

Not all expensive cars carry high premiums.

In fact, if you’re completing your fellowship and you have a cheaper compact car, you could pay more than a resident doctor with a brand new sports car because insurers use the vehicle’s ISO rating that’s calculated by independent companies like Verisk.

An ISO rating is an independent classification that’s given to each car based on its year, make, model, and trim level.

The company will pull up different claims data that will help carriers determine how much someone needs to pay for liability, medical payments, and physical damage coverage.

Here are some factors that influence an ISO rating:

  • Some cars are more attractive to thieves
  • Some cars are involved in more accidents than others
  • Some cars cost more to repair than others because of labor or parts
  • Some cars cause more injuries to third-parties and passengers than others

Do you go to one health facility or multiple sites?


Not only does your choice of the car have an effect, how you drive the car will as well.

One thing that’s unique with doctors is that they may work as a general practitioner, but they could also work in multiple health facilities in any given week. You’ll have to explain what your work week looks like to your agent.

If you’re a general practitioner and you go to and from the same medical office each day of the week, you’ll pay a commuter rate that’s based on the total distance of your commute.

Doctors that see patients at different offices and hospitals may have to pay a higher priced business rating.

Why is it so important to choose higher limits of liability?

When a doctor is buying car insurance, they must select higher limits of liability than what’s prescribed by the law. No one should really have minimum limits, but it especially puts a doctor at risk of losing everything in a litigious society.

Select higher limits of liability and even consider buying an options Personal Umbrella Policy to fill in the liability coverage gaps.

You may work 60 to 80 hours a week, but that doesn’t mean that you have to compromise when it comes to shopping for your auto insurance.

When you have a limited time to compare rates it’s best to use the Internet for quick quotes. Use our comparison tool and get to shopping around today.