Auto Insurance for Optometrists (Rates & Discounts)

You can buy auto insurance for optometrists for an average of $151/mo. Optometrist insurance plans for your vehicles can be expensive, possibly because of the risk inherent in the medical profession. If you’re looking for affordable car insurance as an optometrist, you can ask about discounts and compare auto insurance quotes for optometrists from multiple companies.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Jul 19, 2021

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What You Should Know

  • Some companies use occupation as a factor when determining auto insurance rates
  • Auto insurance for optometrists costs an average of $151 per month
  • Ask about auto insurance discounts for education level and professional associations to save money on car insurance for optometrists

Wondering how your occupation as an optometrist may affect your auto insurance rates? Understanding auto insurance is the first step, and you’ve come to the right place.

How much are average auto insurance rates for optometrists? Are there specific optometrist insurance plans? Read now to learn everything you need to know about auto insurance for optometrists.

Ready to buy auto insurance for optometrists? Enter your ZIP code in the tool on this page to start comparing free auto insurance quotes right now.

How much does auto insurance for optometrists cost?

Insurance companies use several factors to assess driver risk and adjust rates higher or lower accordingly. Typical factors include driving record, credit score, age, marital status, gender (if state law permits), and more.

Companies like GEICO also include occupation in this assessment. Take a look at this table for average GEICO rates for optometrists.

Average GEICO Auto Insurance Rates for Optometrists
OccupationAverage Monthly Auto Insurance RateAverage Six-Month Auto Insurance RateAverage Annual Auto Insurance Rate
Optometrist$151.00$906.00$1,812.00
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Rates for optometrists are on the higher end, which is typical for medical professionals.

This may result from a few variables, including the high-stress nature of the job, the possibility of being on the road often and at unusual times (particularly in the event of an emergency), and more.

How can you save on auto insurance for optometrists?

The Bureau of Labor Statistics reports the average salary for optometrists is $118,050 per year. While this is an above-average salary, you should always be looking for ways to save on auto insurance.

Asking about discounts is the easiest way to reduce car insurance rates for optometrists. While there typically aren’t discounts specifically for optometrists, there are discounts available for education level and membership in professional organizations, both of which are great options for medical professionals.

You can also ask about bundling discounts if you purchase your home, renters, or condo insurance from the same provider.

Comparing multiple car insurance quotes for optometrists is another great way to save on your rates and find affordable car insurance.

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What are the auto insurance requirements for optometrists?

Auto liability insurance that at least meets the minimum coverage requirements set in your state is required for all drivers to get behind the wheel legally, regardless of occupation.

As an optometrist, you’ll be able to purchase auto insurance from most major insurance companies. You’ll need at least minimum liability coverage to drive legally.

GEICO and other companies use occupation as a measure of driver risk, and in some cases, may consider optometrists to be higher risk. You can ask your insurance company about discounts and compare rates from at least three companies to save.

Want to start shopping for affordable auto insurance for optometrists? Use your ZIP code in our tool to get your first free quote today.

Frequently Asked Questions: Auto Insurance for Optometrists

Are you still looking for information on auto insurance for optometrists? Read through these frequently asked questions to learn more.

#1 – Is there a specific kind of business insurance optometrists need?

If you own your optometry practice, you’ll need to consider a basic general liability policy, as well as professional liability insurance, workers’ compensation insurance, and cyber liability insurance.

#2 – Why do optometrists need insurance?

Like all medical professionals, optometrists are at risk for malpractice lawsuits. Having the right business insurance is essential to ensure you’re protected.

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