Best Auto Insurance for Nannies in 2024 (Find the Top 10 Companies Here!)
State Farm, Geico, and Progressive offer the best auto insurance for nannies, with premiums starting as low as $39 per month. We aim to assist you in comparing quotes from these trusted insurers to help you secure the ideal coverage and benefit from tailored discounts for your vehicle.
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Brandon Frady
Licensed Insurance Agent
Brandon Frady has been a licensed insurance agent and insurance office manager since 2018. He has experience in ventures from retail to finance, working positions from cashier to management, but it wasn’t until Brandon started working in the insurance industry that he truly felt at home in his career. In his day-to-day interactions, he aims to live out his business philosophy in how he treats hi...
Licensed Insurance Agent
UPDATED: Jul 1, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Jul 1, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
19,116 reviewsCompany Facts
Full Coverage for Nannies
A.M. Best Rating
Complaint Level
19,116 reviews
13,127 reviewsCompany Facts
Full Coverage for Nannies
A.M. Best Rating
Complaint Level
13,127 reviews
State Farm stands out as the top choice for the best auto insurance for nannies, with competitive rates starting at just $39 per month for comprehensive coverage.
Partnering with Geico and Progressive, they offer affordable rates and a wide range of comprehensive coverage options tailored to meet your specific driving needs.
Company Rank Low Mileage Discount A.M. Best Best For Jump to Pros/Cons
#1 30% A++ Comprehensive Care State Farm
#2 25% A++ Low Premiums Geico
#3 20% A+ Customizable Plans Progressive
#4 15% A+ Customer Service Amica
#5 10% A+ Flexible Policies Nationwide
#6 30% A++ Military Families USAA
#7 20% A+ Usage-Based Allstate
#8 20% A++ Affordable Rates Travelers
#9 10% A Essential Workers Farmers
#10 15% A++ Personalized Service Auto-Owners
- State Farm features competitive rates starting at $39 per month
- Leading insurance companies provide plans for nannies
- Various discount opportunities are available for nannies and caretakers
#1 – State Farm: Top Overall Pick
Pros
- Wide Range of Coverage Options: State Farm offers numerous coverage options, allowing for highly customizable policies.
- Strong Financial Stability: Rated highly by A.M. Best for financial strength, ensuring reliability and prompt claims payment.
- Comprehensive Discounts: Offers a variety of discounts, including those for safe driving, multiple policies, and vehicle safety features.
Cons
- Higher Premiums: Often has higher premiums compared to some competitors. Find out more in our State Farm auto insurance review.
- Limited Online Services: Some services and policy management options are not as comprehensive online compared to other providers.
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#2 – Geico: Best for Affordable Rates
Pros
- Affordable Rates: Known for offering some of the lowest premiums in the industry.
- Excellent Mobile App: Highly rated app with extensive features for policy management and claims.
- Wide Availability: Offers coverage in all 50 states, ensuring broad accessibility. Read more in our Geico auto insurance review.
Cons
- Customer Service Variability: Customer service experiences can vary widely depending on the region.
- Limited Agent Network: Fewer local agents, which might be a downside for those preferring in-person assistance.
#3 – Progressive: Best for Customizable Plans
Pros
- Innovative Tools: Offers unique tools like the Name Your Price tool, helping customers find coverage within their budget.
- Snapshot Program: Usage-based insurance program can lead to significant discounts for safe drivers.
- Comprehensive Online Services: Robust online presence with extensive tools for quotes, policy management, and claims.
Cons
- Higher Rates for High-Risk Drivers: In our Progressive auto insurance review, they tends to charge higher premiums for drivers with less-than-perfect records.
- Mixed Customer Service Reviews: Customer service satisfaction can be inconsistent.
#4 – Amica: Best for Customer Service
Pros
- High Customer Satisfaction: Consistently receives high marks for customer satisfaction and claims handling.
- Dividend Policies: Offers policies that pay back dividends, potentially reducing overall costs. Read more through our Amica auto insurance review.
- Comprehensive Coverage Options: Provides a wide range of coverage options including unique add-ons.
Cons
- Limited Availability: Not available in all states, limiting access for some potential customers.
- Higher Initial Premiums: Initial premiums can be higher compared to some other insurers.
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#5 – Nationwide: Best for Flexible Policies
Pros
- Vanishing Deductible: Nationwide, as mentioned in our Nationwide insurance review, offers a vanishing deductible program, reducing out-of-pocket costs over time.
- Strong Financial Ratings: Highly rated for financial strength and stability.
- Comprehensive Range of Services: Provides a broad array of insurance products beyond auto, facilitating multi-policy discounts.
Cons
- Higher Premiums: Premiums can be on the higher side, especially for new customers.
- Discount Limitations: Fewer discounts available compared to some other major insurers.
#6 – USAA: Best for Military Families
Pros
- Excellent Customer Service: Known for exceptional customer service and claims satisfaction. For further insights, read our USAA auto insurance review.
- Competitive Rates for Members: Offers highly competitive rates for military members and their families.
- Comprehensive Coverage: Wide range of coverage options and add-ons tailored to military families.
Cons
- Membership Restrictions: Only available to military members, veterans, and their families, limiting accessibility.
- Limited Physical Locations: Few branch locations, which may be inconvenient for those preferring in-person service.
#7 – Allstate: Best for Usage-Based
Pros
- Strong Agent Network: Extensive network of agents for personalized service. Use our Allstate auto insurance review as your guide.
- Comprehensive Coverage Options: Offers a variety of coverage options and add-ons.
- Reward Programs: Features programs like Drivewise, which can lead to significant discounts for safe driving.
Cons
- Higher Premiums: Can be more expensive than other providers, particularly for new policyholders.
- Mixed Claims Satisfaction: Some customers report dissatisfaction with the claims process.
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#8 – Travelers: Best for Affordable Rates
Pros
- Extensive Discounts: Offers a wide range of discounts, including for hybrid/electric vehicles and multi-policy bundling.
- Flexible Coverage Options: Provides many optional coverages for tailoring policies to individual needs.
- Strong Financial Stability: Well-rated for financial strength and stability. Read more through our Travelers auto insurance review.
Cons
- Average Customer Service: Customer service and claims handling receive mixed reviews.
- Higher Rates for Some Drivers: Premiums can be higher for certain demographics and driving histories.
#9 – Farmers: Best for Essential Workers
Pros
- Comprehensive Coverage Options: Farmers, as mentioned in our Farmers auto insurance review, offers extensive coverage options and policy add-ons.
- Strong Agent Network: Large network of local agents for personalized service.
- Claims Forgiveness: Provides accident forgiveness programs to prevent rate hikes after a first accident.
Cons
- Higher Premiums: Generally has higher premiums compared to some competitors.
- Mixed Customer Service Reviews: Customer service quality can vary by location and agent.
#10 – Auto-Owners: Best for Personalized Service
Pros
- High Customer Satisfaction: Known for excellent customer service and claims satisfaction.
- Comprehensive Coverage Options: Offers a variety of coverage options and policy customizations.
- Strong Agent Network: Extensive network of local agents for personalized service.
Cons
- Availability: Not available in all states, limiting its reach. Read more through our Auto-Owners auto insurance review.
- Limited Online Tools: Fewer online tools and services compared to larger insurers.
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Insuring My Nanny for Driving a Family Car
Nanny and Caretaker Auto Insurance: The Bottom Line
Auto Insurance for Nannies and Caretakers
When do you need to add a nanny to car insurance? You aren’t required to include a caretaker in your insurance, but if your nanny gets hurt in an accident it may be easier to deal with under your own policy. Enter your ZIP code to begin.
Frequently Asked Questions
Can nanny and caretaker auto insurance coverage be obtained for part-time workers?
Yes, nanny and caretaker auto insurance coverage can be obtained for part-time workers. Insurance companies typically consider factors such as frequency of car usage and the nature of work when determining coverage options and premiums.
Is it necessary to inform the insurance company if the nanny or caretaker changes vehicles?
Yes, it is necessary to inform the insurance company if the nanny or caretaker changes vehicles. Keeping the insurance company informed about any changes in the vehicle being used helps ensure that the coverage is accurate and up to date. Enter your ZIP code now.
Can I add a nanny or caretaker to my insurance policy even if they have their own car insurance?
What factors should I consider when selecting auto insurance for a nanny or caretaker?
When selecting auto insurance for a nanny or caretaker, consider factors such as liability coverage limits, comprehensive and collision coverage, deductible amounts, and the reputation and customer service of the insurance company.
How often should I review and update my auto insurance policy when employing a nanny or caretaker?
It is recommended to review and update your auto insurance policy when employing a nanny or caretaker at least once a year or whenever there are significant changes in your situation. This ensures that you have appropriate coverage based on your current needs. Enter your ZIP code now to compare.
Can a nanny or caretaker be covered by insurance while driving their personal vehicle for work-related tasks?
What are some of the best auto insurance companies for nannies mentioned?
The article mentions State Farm, Geico, Progressive, Amica, Nationwide, USAA, Allstate, Travelers, Farmers, and Auto-Owners as some of the best auto insurance companies for nannies.
What factors should you consider when selecting auto insurance for a nanny or caretaker?
When selecting auto insurance for a nanny or caretaker, consider factors such as liability coverage limits, comprehensive and collision coverage, deductible amounts, and the reputation and customer service of the insurance company. Enter your ZIP code now to start.
How can a nanny be added to an existing insurance policy even if they have their own car insurance?
What steps should you take to ensure your nanny is properly covered while using your vehicle for work-related tasks?
To ensure your nanny is properly covered while using your vehicle for work-related tasks, inform your insurance provider about the nanny’s use of the vehicle, consider adjusting your policy to include business use coverage if necessary, and regularly review and update your insurance policy to reflect any changes in vehicle use or employment status.
Compare over 200 auto insurance companies at once!
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Brandon Frady
Licensed Insurance Agent
Brandon Frady has been a licensed insurance agent and insurance office manager since 2018. He has experience in ventures from retail to finance, working positions from cashier to management, but it wasn’t until Brandon started working in the insurance industry that he truly felt at home in his career. In his day-to-day interactions, he aims to live out his business philosophy in how he treats hi...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
