How much is car insurance for doctors?
The average cost of cheap car insurance for doctors is $2,297 annually, but cheaper rates are available. Grange Insurance has the cheapest rates for doctors at $1,429. Your occupation may affect car insurance costs, with low rates or additional discounts. Since insurance rates vary significantly by state and company, doctors can find cheap car insurance by comparing rates from multiple companies.
| Average annual premium | Average monthly premium |
|---|---|
| $2,297 | $192 |
Average car insurance cost for doctors by company
Grange Insurance offers the cheapest car insurance rates for doctors at $1,429 per year, and Safeway Insurance has the most expensive rates at $3,321 per year. Car insurance rates for doctors vary between companies. Each insurer has its own formula for calculating risk, so rates can vary significantly.
This table shows the average car insurance rates for doctors by insurer.
| Providers | Average base rate | Average rate for doctors | Dollar difference | Percentage difference |
|---|---|---|---|---|
| Auto Club Group (AAA) | $1,834 | $1,787 | $47 | 3% |
| Country Financial | $2,298 | $2,103 | $195 | 9% |
| Farmers | $3,207 | $3,184 | $23 | 1% |
| GEICO | $2,159 | $1,971 | $188 | 9% |
| Grange Insurance | $1,512 | $1,429 | $83 | 5% |
| Mercury Insurance | $3,107 | $3,013 | $94 | 3% |
| Progressive | $2,569 | $2,197 | $372 | 14% |
| Safeway Insurance | $3,843 | $3,321 | $522 | 14% |
| Western National Insurance | $2,928 | $2,826 | $102 | 3% |
Car insurance cost for doctors by state
Car insurance for doctors ranges from an average of $1,500 per year in Vermont to $3,621 in Louisiana; rates vary significantly by state due to different insurance requirements and weather-related factors. So, while car insurance for doctors may be less expensive in one state, rates may be higher in another.
The table below shows the average cost of car insurance for doctors by state.
| State | Average base rate | Average rate for doctors | Dollar difference | Percentage difference |
|---|---|---|---|---|
| Alaska | $2,167 | $1,875 | $292 | 13% |
| Alabama | $2,116 | $1,941 | $175 | 8% |
| Arkansas | $2,942 | $2,654 | $288 | 10% |
| Arizona | $2,420 | $2,258 | $162 | 7% |
| Colorado | $3,181 | $2,642 | $539 | 17% |
| Connecticut | $2,742 | $2,377 | $365 | 13% |
| Washington, D.C. | $3,465 | $3,215 | $250 | 7% |
| Delaware | $3,157 | $2,829 | $328 | 10% |
| Florida | $3,916 | $3,407 | $509 | 13% |
| Georgia | $2,503 | $2,376 | $127 | 5% |
| Hawaii | $1,757 | $1,744 | $13 | 1% |
| Iowa | $2,460 | $2,165 | $295 | 12% |
| Idaho | $1,901 | $1,720 | $181 | 10% |
| Illinois | $1,938 | $1,785 | $153 | 8% |
| Indiana | $1,894 | $1,681 | $213 | 11% |
| Kansas | $2,496 | $2,038 | $458 | 18% |
| Kentucky | $2,624 | $2,379 | $245 | 9% |
| Louisiana | $3,999 | $3,621 | $378 | 9% |
| Maryland | $1,999 | $1,819 | $180 | 9% |
| Maine | $1,808 | $1,570 | $238 | 13% |
| Minnesota | $2,591 | $2,400 | $191 | 7% |
| Mississippi | $2,397 | $1,987 | $410 | 17% |
| Montana | $2,476 | $2,213 | $263 | 11% |
| North Carolina | $2,638 | $2,397 | $241 | 9% |
| North Dakota | $2,439 | $2,057 | $382 | 16% |
| Nebraska | $2,095 | $1,839 | $256 | 12% |
| New Hampshire | $1,689 | $1,530 | $159 | 9% |
| New Jersey | $3,122 | $2,684 | $438 | 14% |
| New Mexico | $2,577 | $2,367 | $210 | 8% |
| Nevada | $3,963 | $3,368 | $595 | 15% |
| New York | $2,596 | $2,347 | $249 | 10% |
| Ohio | $1,783 | $1,685 | $98 | 5% |
| Oklahoma | $2,993 | $2,895 | $98 | 3% |
| Oregon | $2,048 | $1,864 | $184 | 9% |
| Pennsylvania | $2,327 | $2,007 | $320 | 14% |
| Rhode Island | $2,878 | $2,366 | $512 | 18% |
| South Carolina | $2,417 | $2,029 | $388 | 16% |
| South Dakota | $2,575 | $2,326 | $249 | 10% |
| Tennessee | $2,235 | $1,790 | $445 | 20% |
| Texas | $3,106 | $2,655 | $451 | 15% |
| Utah | $2,356 | $2,139 | $217 | 9% |
| Virginia | $1,835 | $1,582 | $253 | 14% |
| Vermont | $1,660 | $1,500 | $160 | 10% |
| West Virginia | $2,415 | $2,224 | $191 | 8% |
*Some state rates will vary based on the addition of a hurricane deductibleThe deductible is the amount you pay out of pocket for a covered loss when you file a claim. and may be much higher when included.
Car insurance discounts for doctors
On average, you can save 11% on car insurance with a teacher discount. However, the amount of savings may vary by insurer.
Some carriers offer car insurance discounts based on a driver’s occupation. Because each car insurance company offers different discounts, finding savings based on your profession may be challenging.
| Premium before discount | Premium after discount | Dollar savings | Percentage savings |
|---|---|---|---|
| $2,578 | $2,297 | $281 | 11% |
How to get cheap car insurance as a doctor
Doctors looking for cheaper car insurance should compare quotes from multiple insurers, check occupation-based and other available discounts, and review their coverage limits and deductibles. A clean driving record, membership in eligible professional organizations, and paying the premium in full also offer opportunities to save.
“Educators and the military are the most common, but you can find a company that discounts for almost any field, but it doesn't mean that it'll add up to a meaningful amount,” says Zack Pope, agency manager at David Pope Insurance in Union, Missouri. “Some states also do not allow for rating on job fields because of ethics. We have several companies that just ask if the person is employed or not.”
Fortunately, there are other ways to save on car insurance besides lower rates and discounts for your profession.
First, check for other car insurance discounts you may be eligible for. For example, you may qualify for savings such as safe driver, multi-policy, and paying your premium. Most insurers allow you to stack discounts for the most significant savings.
Next, consider joining a professional organization. Some insurers, such as GEICO, offer discounts to drivers who are members of specific organizations.
Additionally, your personal factors affect car insurance rates. Consider adjusting coverage limits and deductibles to lower rates. Maintaining a clean driving record and a high credit score can also help you save on car insurance.
Finally, compare rates from multiple companies to find the cheapest car insurance for doctors. Consider rates, discounts, and coverage to find the best insurer for your needs.
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