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...

  • Licensed pharmacists can qualify for insurance through a specialty company that insures only pharmacists
  • Since you must complete college to get your license, you can qualify for an educational attainment discount
  • Insurance companies will use occupation class to assess risk and set your personal car insurance rates
  • Some professionals pay significantly less than others, because drivers in their profession tend to drive safe
  • Statistically speaking, pharmacists work in calm environments, so they fall into a low-risk occupation class

If you’re a licensed pharmacist, it’s time to review your insurance and risk management portfolio. Everyone buys various types of insurance to mitigate the adverse effect that a loss will have on their financial future.

With the right type of insurance in place, just one loss would have a huge financial impact on your life. Since you’ve worked hard to acquire what you have now, planning is necessary.

Auto insurance is one of the risk management products that you not only need but that you’re required by law to carry regardless of your occupation. You might have known that auto insurance is mandatory, but many pharmacists don’t know that their profession could impact both their insurance needs and their rates.

Let’s discuss what you need to know about buying personal car insurance as a pharmacist.

If you are a pharmacist in need of better auto insurance, compare at least three to four auto insurance rates today! Enter your ZIP code above to find the best prices for you!

Buying Auto Insurance While You’re In College


If you’re already a pharmacist, you know how much effort you have to put into your studies. Depending on the path that you take, you could wind up in school studying for your general degree and your Pharm.D. for between six and eight years.

Those figures assume that you’ll be studying as a full-time student.

Paying for basic living expenses can be difficult for students who are enrolled in a Pharm.D. program. Add in the cost of car insurance, and it’s even more challenging. Some expenses can be cut out, but others are mandatory.

If you want to get to and from school in your car as opposed to taking a bus, you’ll have to have insurance. Fortunately, college students can get some financial relief with different discounts.

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Auto Insurance Discounts for College Students

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Pharmacists earn a sizable income, but they also spend a significant amount of money to get their Doctor of Pharmacy Degree.

Not only can you accrue student loans to earn your Bachelor’s, you’ll spend between $14,000 to $82,000 to complete the four-year pharmacy program.

The costs are even higher if you decide to attend a private school.

It’s tough to pay for your housing, your food, and your books when you’re balancing a full-time student schedule and also possibly a part-time job. You may get scholarships while you’re an undergrad student, but there’s little aid available for doctorate students.

Saving money on your auto insurance is a good way to cut costs. Here are some of the discounts you may qualify for:

  • Good Student Discount – available for students 25 and younger who earn good grades
  • Driver Training Discount – for youthful operators who complete voluntary training
  • Experienced Driver – for drivers with more than nine years of licensing experience
  • Low-Mileage Discount – if you drive less than 5,000 miles per year
  • Student Away At School – if you’re still insured under your parents’ policy and you’re studying 100 or more miles away from home

Once you graduate school and study for your license through the Board of Pharmacy in your state, you’ll need to update your insurance.

As soon as you hold a license, you’re a professional pharmacist, and you need to be classified that way. Your occupation will influence your personal car insurance rates and so will your new driving habits.

Why does your occupation affect your rates?


If you’re not driving your vehicle for business, it’s hard to understand why your choice of profession would influence your car insurance rates. You might not be driving your personal car for business purposes, but data shows that occupation and risk are closely related.

A driver’s profession can affect how they drive, when they drive, and what area they drive to.

If you work in a highly stressful environment, the stressors at work can affect your driving abilities and how you react to hazards. If fellow colleagues in your field tend to work in bustling areas, they may be exposed to more accidents.

These are prime reasons why your occupational class matters.

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How are pharmacists classified?

If someone were to ask you if you’re a safe driver, you’re more than likely going to answer yes. You’re biased when you classify yourself.

Insurance companies aren’t biased, but they do use a pool of statistical information to classify you when it comes to your profession.

Lucky for you, pharmacists as a whole tend to be safe drivers, and therefore tend to have a favorable occupational class on their auto insurance policy.

Out of all of the occupations, professionals who work as pharmacists are some of the lower-risk drivers on the road because they don’t work under stress and they are typically more experienced drivers than other professionals.

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Getting Credit For Completing School

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Pharmacists don’t only get lower rates because of their profession, but they also save money on their insurance when they reside in states where educational attainment is used as a rating factor.

According to insurance actuaries, the higher the level of education that a driver completes, the lower the likelihood they will file a claim.

Since you have a doctorate, you’ll get the higher possible credit.

Some Companies Sell Insurance Specifically to Pharmacists


If you’re part of a professional association for pharmacists, you may be able to qualify for coverage through a Property and Casualty carrier like Pharmacists Mutual.

Specialty providers offer low rates, discounts, and coverage options specific to suit your needs, which is a great option if you’re eligible for coverage.

Before you choose any carrier, it’s best for you to shop around for a good deal. You’ll be surprised to see which carriers have the most competitive rates for drivers like you.

You can instantly get price quotes by visiting a comparison website and entering your information in the tool. Once you’ve filled out the quote form, navigate through all of the quotes and see which policy is best.

Start comparison shopping today for better auto insurance rates by entering your ZIP code below!