Car Insurance for Medical Professionals

Use our guide to find car insurance discounts based on your profession.

What's the best car insurance for medical professionals?

If you’re a medical professional, the last thing you really want to do is spend time searching for auto insurance. Well, we’ve done the hard part of the work for you. Insurance companies see medical professionals (i.e., nurses, doctors, and pharmacists) as ideal candidates based on their statistically less risky driving behaviors. So, if you’re looking for cheap car insurance as a medical professional, here are some avenues for you.

Let’s break it down by type:


We see nurses as the unsung heroes of the medical professions, and car insurance companies see them as unlikely claim recipients. Because of this, some insurance companies offer discounts to nurses because on their nursing education or membership affiliation. This discount is dependent on state law and can range from 3-10%.


Insurance companies offer doctors a discounted premiums based on their view of doctors as ideal candidates based on their safe driving habits, monitored over years of insurance claim data. To them, individuals with more education, like a doctor, are more likely to drive carefully. So, the auto insurance companies reward them with a discount. Just like with nurses, this discount is dependent on state participation.


Insurances companies give discounts to pharmacists for the same reason as nurses and doctors; they feel they’re less risky drivers. Pharmacists, specifically pharmacists with a PharmD or who are members of certain pharmaceutical organizations (like the American Pharmacists Association), can expect this discounts with the following companies:

What to expect with profession-based discounts:

If you’re looking for this discount to completely cut your car insurance premium in half, you're going to have to look elsewhere. Profession-based discounts usually hover between 3-5% and aren’t very common across all companies and states. If you’re really looking to save on auto insurance, you should look at as many companies as possible, regardless of the occupational discount. Only with The Zebra can you shop over 200 companies at once. Get started today and see how much you could be saving.

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Recent Questions:

Car Insurance for Medical Professionals

Why do certain jobs pay less for car insurance?

Apr 01, 2018
Cedar Park, Texas

A friend of mine who has Farmers insurance said she gets a discount because she’s a teacher. She just had ...