Auto Insurance for Orthodontists (Rates & Discounts)

There are a few things to keep in mind when looking for affordable auto insurance for orthodontists. There could be better auto insurance rates for orthodontists and oral surgeons because of their profession. Get quotes from a number of different insurers, and always ask about discounts. GEICO, for example, has a discount for orthodontists. Use a quote comparison tool to compare rates from companies near you.

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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: Sep 16, 2021

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What You Should Know

  • People working in the medical professions are seen as desirable customers for auto insurance companies
  • Orthodontists and oral surgeons are eligible for auto insurance discounts
  • To check the best orthodontist auto insurance rates, it’s important to shop around for quotes

Your job could be one of the factors that help determine your auto insurance rate. Learn more about auto insurance for orthodontists and the discounts you may be eligible for.

Understanding the discounts available and the reasons insurers charge more or less according to occupation is an important part of understanding auto insurance

In this guide, you’ll learn how insurance companies calculate auto insurance rates, find out how to get the biggest discounts, and which insurance types are best for combining.

Enter your ZIP code into our free comparison tool now to find auto insurance quotes for orthodontists.

Auto Insurance for Orthodontists and Oral Surgeons

Auto insurance companies offer coverage for orthodontists and oral surgeons as a rule. Due to their job, insurers can offer discounts and special rates for people in this profession.

Other factors also influence how much orthodontists pay for auto insurance. These include their age, state they live in, credit history, and driving record.

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Orthodontists’ Insurance Plan Companies and Discounts

You may be wondering about affordable orthodontist auto insurance, and how much it costs. If you are an orthodontist you could get an auto insurance discount for your job.

GEICO, for example, offers discounts for certain professions, and orthodontists are on that list. Though this may make GEICO the best auto insurance company for orthodontists, check out this table to see how their rates compare.

GEICO Average Auto Insurance Rates for Surgeons and Other Medical Professionals
OccupationAverage Monthly Auto Insurance RateAverage Annual Auto Insurance Rate
Surgeon$152.80$1.833.60
Orthodontist$152.80$1.833.60
Nurse$157.98$1,895.80
Psychiatrist$145.25$1,743.00
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Read on to learn more about how a company comes up with rates for its insureds.

How do insurance companies calculate rates?

So how exactly do these factors relate to the rate you get?

Insurance is one area where getting older has an advantage. Older drivers with more experience pay less for their auto insurance. Higher or lower rates are also dependent on the kind of vehicle you have. Safer cars mean fewer accidents, so less risk for the insurance company.

Cheaper cars also cost less for an insurer to replace if there is an accident.

The risk of accidents is also a reason why female drivers have better rates. They have a lower likelihood of being involved in a crash.

A good credit rating is also linked to a better rate since statistically it’s been proven that drivers with good credit make fewer insurance claims. Your driving history is also a factor. It should come as no surprise that drivers with a good driving record pay less.

Finally, location is a factor that you may not have thought about, but it’s just as important as the others. Insurance companies will make you pay more if your area is known for heavy traffic. Likewise, if you live in an area with increased crime rates, your insurance premiums could go up.

Can I pay less if I combine insurance?

A simple and fairly common way to save money is by bundling home and auto with the same company. There are a lot of other advantages to bundling too, in addition to the fact that you could save up to 25% just by combining insurance types.

Firstly, if all your policies are in one place, managing them will be much easier. Second, if the company has one, you’ll manage both your home and vehicle policies through the same website.

Lastly, if you have a history of insurance claims or have got tickets in the past, having policies with the same provider reduces your chances of being dropped by your insurer.

Hopefully this guide has told you everything you need to know about auto insurance for orthodontists. If you’re ready to buy auto insurance for orthodontists, shop around to find the best company for you.

Now that you know your options, find the best auto insurance rates for orthodontists by entering your ZIP code into our free tool.

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