Where To Get Car Insurance Discounts for Nurses
Liberty Mutual works with several nursing organizations, including the American Nurses Association (ANA) and the American Association of Registered Nurses (AARN), to help nurses get cheap car insurance.
Find Cheap Car Insurance Quotes in Your Area
You might also get a discount from companies such as Geico, Direct Auto and Farmers for being a nurse. Even if companies don't advertise discounts for nurses, it's worth letting an agent know what you do for a living. Sometimes you can get savings that the company doesn't list on its website.
On this page
Discount car insurance for nurses through nursing groups
The most reliable way to get cheap car insurance as a nurse is through a professional organization, such as the American Nurses Association (ANA).
These organizations often partner with insurance companies as a perk for their members. The American Nurses Association says that members can possibly save up to $947 per year through their partnership with Liberty Mutual.
Nursing organizations that partner with insurance companies
Nursing organization | Insurance company partner |
|---|---|
| American Association of Registered Nurses (AARN) | Liberty Mutual |
| American Nurses Association (ANA) | Liberty Mutual |
| American Society of Registered Nurses (ASRN) | Geico |
| ANA Michigan | Liberty Mutual |
| ANA Ohio | Liberty Mutual |
Find Cheap Car Insurance Quotes in Your Area
- However, you can only get these insurance rates if you join a professional nursing organization. That includes paying yearly membership dues. Those can range between $50 to about $300 per year, depending on the organization.
- You'll usually get access to other perks with your membership, such as fitness perks and travel discounts.
- If you're only joining an organization for the insurance perks, it might not be worth it. Be sure to compare rates from different companies to see if they're cheaper than the rate you could get through your organization.
Insurance companies with car insurance discounts for nurses
Some insurance companies give you a discount if you're a nurse.
Company |
ValuePenguin score
| |
|---|---|---|
| Farmers | ||
| Liberty Mutual | ||
| Geico | ||
| Direct Auto | ||
- As you're getting quotes, mention that you're a nurse. Companies may not advertise their job-based discounts but could still offer them.
- As you're comparing companies, look at more than just price. Make sure a company has good coverage options, too. Buying a cheap policy that doesn't have the coverage you need can cost you more in the long run.
- It's also important to consider customer service. Choosing a company that has good service likely means you'll have an easier time if you have to file a claim.
If you get a nursing discount on your car insurance, you probably have to prove that you're a nurse within 30 days.
Otherwise, the insurance company may remove the discount. You can probably use your ID badge or nursing license, but you might also need to show paperwork that you're a part of a nursing organization. Some companies might require a letter from your employer.
How to save on car insurance for nurses
Nurses could save on car insurance by shopping around, comparing quotes and asking about extra discounts.
Shopping around lets you see rates from multiple different insurance companies. Even if you can get discounted insurance through a nursing organization, it's a good idea to shop around and compare your options. The rate through your organization might not be the cheapest or best option for you.
In addition to nursing-specific discounts, many nurses may qualify for other car insurance savings.
Bundling
Bundling policies means buying more than one type of insurance from the same company. Usually, this is your car and home, condo or renters insurance. Bundling discounts are also called multi-policy discounts and they're some of the biggest savings that insurance companies offer.
Safe driving
If you don't have any accidents or tickets on your record within three to five years, you might be able to get a safe driving discount.
Defensive driving
Defensive driving discounts help you save when you've taken an approved driving course. Before you sign up for a class, make sure it's approved by your insurance company first. Otherwise, it won't count.
Vehicle safety features
Most insurance companies charge lower rates for cars with safety features such as side curtain air bags, forward collision warning, automatic braking, anti-lock brakes, anti-theft systems and lane departure warning.
Paid in full
You'll usually pay a lower rate for car insurance if you pay the full six-month or annual bill in full. You could also save if you sign up for automatic payments.
Good student
You might get a good student discount if you insure a teenager or college student who gets a B or better average.
Telematics could save you money, but nurses should ask extra questions before signing up.
Telematics programs, also called usage-based insurance, track your driving habits through a smartphone app or plug-in device in your car. You get a personalized discount based on your actual driving patterns. For many people, these programs are a great way to save money.
But nurses who work early-morning or late-night shifts might not save with telematics programs. Usage-based insurance often tracks the time of day you drive. Driving later at night — often between 11 or midnight and 5 or 6 in the morning — is linked to a higher risk of accidents, which affects your discount.
Most insurance companies don't charge you extra based on the data they receive, but you will lose your participation discount if you aren't seen as a good driver. But some companies will charge you higher rates if you're a risky driver. Frequently driving late at night could be enough to push up your rates, especially if you regularly work the night shift or get to work early in the morning.
Frequently asked questions
Can nurses get a discount on car insurance?
Yes, nurses can often get discounts on their car insurance. You may be able to get a discount simply by telling your insurance company that you're a nurse. Or you might get discount rates if you're part of a nursing organization that offers insurance perks.
Which car insurance companies offer discounts for nurses?
Farmers, Liberty Mutual, Geico and Direct Auto all advertise that they offer discounts for certain professions, which could include nurses and other healthcare professionals. Liberty Mutual also works with the American Nurses Association (ANA) to provide discount car insurance for members.
What proof do insurers require for a nurse discount?
To get a nursing discount, you may need to show your nursing license, your work badge, a paystub with your name and role on it, or proof of your membership in a nursing organization. Each insurance company has different requirements, so be sure to ask what kind of supporting documents your company needs.
Methodology
ValuePenguin ranks insurance companies by reviewing average rates, discounts, coverage offerings, customer service and unique features. Customer service info comes from the National Association of Insurance Companies (NAIC) complaint index as well as J.D. Power studies.
About the Author
Senior Writer
Cate Deventer is a Senior Writer who specializes in health insurance, Medicare, auto and home insurance. She's been a licensed insurance agent since 2011.
She started her insurance career working as a customer service agent for State Farm. She later moved to an independent agency, where she worked with several insurance companies and hundreds of clients. She quoted policies, filed claims and answered insurance questions. In 2021, she pivoted her career and began writing about insurance for Bankrate. She moved to ValuePenguin in 2023 and began writing about health insurance and Medicare.
Cate has a passion for helping readers choose insurance to fit their needs. She enjoys knowing that her research and knowledge help people choose insurance products that make a positive difference in their lives.
How insurance helped Cate
Cate used her health insurance knowledge to navigate a surgery in 2023. Understanding how her policy worked let her focus on recovery instead of worrying about bills.
Expertise
- Health insurance
- Medicare & Medicaid
- Auto insurance
- Home insurance
- Life insurance
Credentials
- Licensed Life, Accident & Health Insurance Agent
- Licensed Property & Casualty Insurance Agent
Referenced by
- CBS
- NBC
- Wall Street Journal
Education
- BA, Theatre, Purdue University
- BA, English, Indiana University
Editorial Note: The content of this article is based on the author's opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.
