Updated: March 24, 2025
Advertising & Editorial Disclosure
Car insurance companies like AAA, California Casualty, COUNTRY Financial, Farmers and Plymouth Rock offer occupation-based and affinity discounts to nurses.
Nursing organizations like the American Nurses Association and the American Society of Registered Nurses partner with insurers to provide exclusive discounts.
Discounts for nurses vary by insurer, with some offering reduced deductibles or special rates if your vehicle is damaged near your workplace.
Nurses looking to save on car insurance can explore discounts from insurance companies. Many insurers offer occupational discounts tailored to nurses. Also, checking for discounts linked to professional organizations or affiliations can help. Below are top companies offering nurse-specific discounts and those recognizing organizational memberships for additional savings.
Nurses can reduce car insurance expenses by applying for occupational discounts. The table below shows the top companies that provide discounts for nurses.
Company With Nurse Discount | Location | Description |
|---|---|---|
AAA | 21 states, including WA, OR, CA, AK, AZ, NV, ID, MT, WY, CO, SD, KS, OK, IN, KY, OH, WV, VA, PA, NY, NJ, CT | AAA offers affiliation-based discounts depending on your location. Partnerships with organizations like the American Society of Registered Nurses may make you eligible for savings. |
California Casualty | Nationwide (including the District of Columbia) | Nurses can benefit from California Casualty's unique discounts, such as reduced deductibles if their vehicle is damaged or vandalized within 500 feet of their workplace. |
COUNTRY Financial | 19 states, including | COUNTRY Financial offers occupation-based discounts of 5–10% for full-time firefighters, police officers, EMTs and paramedics. |
Farmers | 38 states, including | Farmers offers an affinity discount program for various professions, including nurses. Eligible policyholders can receive a 5% discount on car insurance. |
Plymouth Rock | Six states, including CT, MA, NH, NJ, NY, PA | In New Jersey, Plymouth Rock partners with the State Nurses Association to offer a special discount on auto insurance for members of the NJSNA. |
*Note: Organization-based car insurance discounts are common for nurses. Check with your insurance provider to see if it offers special discounts for your profession.
Nurses can save on car insurance through discounts offered by major insurance companies, often tied to organizational affiliations. Here are some commonly recognized nurses' organizations for affiliation discounts:
Organization | Description |
|---|---|
American Nurses Association (ANA) | Represents registered nurses nationwide. ANA collaborates with insurers to offer auto insurance discounts, helping members save on premiums while maintaining necessary coverage. |
American Society of Registered Nurses | A nonprofit association that partners with insurance providers to offer exclusive benefits to its members. Members can save on auto insurance by securing a policy through AAA. GEICO also offers up to an 8% discount on auto insurance for members. |
Association of Women’s Health, Obstetrics, and Neonatal Nurses (AWHONN) | Works with various partners to provide exclusive savings for its members, including auto insurance discounts. AWHONN members can access discounted rates on GEICO car insurance. |
Health Occupation Students of America (HOSA) | An international organization supporting members pursuing health careers. HOSA has partnered with GEICO to offer its alumni, advisors and members a special discount on auto insurance, helping them save on coverage. |
New Jersey State Nurses Association (NJSNA) | Has partnered with Plymouth Rock to provide members with a special auto insurance discount. NJSNA represents over 110,000 registered and advanced practice nurses in New Jersey. |
Nurses can also take advantage of other car insurance discounts beyond occupation-based savings, including behavior-based, loyalty-based and telematics-based discounts. MoneyGeek lists car insurance discounts you can consider below.
Available to policyholders who have been buying insurance from the same company for a certain number of years
Suits drivers who have remained accident-free for a certain number of consecutive years
Offered to drivers who complete a state-approved driver’s education course, with some insurers applying age restrictions. This option benefits nurses who are new or inexperienced drivers or those seeking savings on their child’s auto insurance.
For drivers whose car has certain safety features, such as airbags, anti-lock brakes, anti-theft systems, daytime running lights, VIN etching and other advanced safety systems
For drivers who can pay car insurance premiums in a lump sum, as annual or six-month payments are usually cheaper than monthly installments.
Offered to active-duty military, reserves, retired, honorably discharged veterans and first responders
Nurses who don’t qualify for profession-based or professional affiliation discounts or have unique needs can explore these other ways to save on car insurance:
Shopping around for quotes can help you find the cheapest car insurance. Use MoneyGeek’s quote comparison tool to get started.
Consider bundling if you need multiple types of insurance. Buying auto and home insurance from the same company often reduces premiums.
Choosing a higher deductible can help lower your insurance premiums. A deductible is the amount you pay out of pocket when filing a claim.
Nurses who drive less than 12,000 miles annually may save with usage-based or pay-per-mile insurance, which bases premiums on driving habits and mileage.
Experts recommend dropping comprehensive coverage if premiums exceed 10% of your vehicle's cash value. Evaluate how much car insurance you need to avoid being underinsured.
Companies calculate rates differently. If you're looking for the best and most affordable policy, comparing quotes from multiple providers can help. Use MoneyGeek's calculator below to get accurate estimates.
MoneyGeek's car insurance calculator will give you a customized estimate of your auto insurance cost. It's free to use, requires no personal information and we won't send you any spam.
Rates updated:
Mar 25, 2025
| Insurance Carrier | MoneyGeek Score | Average Monthly Payment | ||
|---|---|---|---|---|
| 1 |  Capital Insurance Group | 94 /of 100 | $87 | |
| 2 |  GEICO | 82 /of 100 | $109 | |
| 3 | 83 /of 100 | $118 | ||
| 4 | 83 /of 100 | $129 | ||
| 5 | 79 /of 100 | $133 | ||
| 6 | 77 /of 100 | $151 |
Although MoneyGeek partners with some of the companies we recommend, our content is written and reviewed by an independent team of writers, editors and licensed agents. Learn more about our editorial policies and expert editorial team.
This page highlights ways nurses can save on car insurance through discounts from providers like AAA, Farmers and Nationwide, as well as affiliations with organizations such as the American Nurses Association. Options include occupational discounts, loyalty programs and behavior-based savings, offering various ways to reduce premiums.
MoneyGeek addresses common questions about car insurance discounts for nurses, providing tips on how to save money.
Some major companies, including AAA, California Casualty, COUNTRY Financial, Farmers, Nationwide and Plymouth Rock, offer car insurance discounts for nurses. In many cases, these are based on professional affiliations.
Insurers offering car insurance discounts for nurses typically partner with organizations such as the American Nurses Association, American Society of Registered Nurses, Association of Women’s Health, Obstetrics, Neonatal Nurses and New Jersey State Nurses Association.
Nurses may also qualify for other types of car insurance discounts. Their availability depends on the company.
Other ways nurses can save on premiums include shopping around for quotes, bundling, increasing deductibles, getting pay-per-mile insurance or dropping unnecessary coverage.
Why Trust MoneyGeek?
We rely on reputable sources, such as the American Society of Registered Nurses, and reviews discounts offered by top car insurance companies to identify savings specific to nurses and other opportunities to lower premiums.
Overview
MoneyGeek strives to provide accurate, trustworthy and up-to-date financial information. Our expert team uses research-backed data studies and reliable sources to create valuable guides. We aim to help readers make informed financial decisions with updated information and comprehensive guidelines.
Sources Used
Editorial Policy and Team
MoneyGeek collaborates with experienced writers, editors, reviewers and industry experts to create content that adheres to strict editorial standards. Experts from renowned institutions provide valuable advice, but MoneyGeek independently verifies all information through fact-checkers to ensure accuracy.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
