Auto Insurance for Physical Therapists (Rates & Discounts)

Auto insurance for physical therapists costs an average of $151/mo. Companies like GEICO use occupation (and other factors) to adjust auto insurance rates, and medical professionals may be considered a higher risk because of job stress and other variables. Thus, physical therapy auto insurance coverage may be higher than for other occupations. To find the most affordable insurance for physical therapy, ask about discounts and compare multiple auto insurance quotes for physical therapists.

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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

  • Companies use factors like age, driving record, and occupation to adjust auto insurance rates
  • Average GEICO rates for auto insurance for physical therapists are $151 per month
  • Shopping around for coverage and asking about discounts for education level and membership in professional associations are ways to save on auto insurance rates for physical therapists

Looking for ways to save on auto insurance for physical therapists? We’ve got the information you need. Understanding auto insurance and how occupation can affect your rates will ensure you’re able to find the coverage you need at the best price.

Read now to find out what you need to know about auto insurance for physical therapy.

Ready to shop for affordable auto insurance for physical therapists? Enter your ZIP code in the tool on this page to get your first free quote right now.

How much does auto insurance for physical therapists cost?

Car insurance companies adjust rates based on the perceived risk of drivers. This is done by looking at factors like driving record, age, marital status, and in some cases, occupation. Take a look at this table to see average GEICO rates for physical therapists.

Average GEICO Auto Insurance Rates for Physical Therapists
OccupationAverage Monthly Auto Insurance RateAverage Six-Month Auto Insurance RateAverage Annual Auto Insurance Rate
Physical Therapist$151.00$906.00$1,812.00
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Physical therapists often pay higher rates for insurance than for individuals in some other occupations. Most medical professions pay higher-than-average insurance rates, which may result from the stress of the job.

How can you save on auto insurance for physical therapists?

Even though physical therapist salaries average $91,010 per year according to the Bureau of Labor Statistics, you’re probably still looking for ways to save on your coverage.

Asking your insurance company about discounts is a great way to save. For physical therapists, discounts like those offered for higher education and membership in professional organizations are options to consider.

For example, companies like GEICO offer special car insurance rates to physical therapists who are registered members of the American Physical Therapy Association.

Another option is to compare quotes from at least three companies to find the best insurance for physical therapy at the best price.

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What are the auto insurance requirements for physical therapists?

There aren’t any auto insurance requirements specific to physical therapists. However, like all drivers, physical therapists are required to comply with state laws regarding meeting at least the minimum auto liability insurance requirements to drive legally.

You’ll find you can buy auto insurance for physical therapists from most (if not all) major insurance companies. Physical therapy insurance coverage averages $151 per month from companies like GEICO, which use occupation as a factor in adjusting rates.

Ways you can save include asking about discounts and shopping around for coverage.

Ready to start comparing auto insurance quotes for physical therapists? Enter your ZIP code in our tool to get your first free quote today.

Frequently Asked Questions: Auto Insurance for Physical Therapists

If you want to learn more about car insurance for physical therapists, take a moment to read through these frequently asked questions.

#1 – Does auto insurance cover physical therapy?

If physical therapy is medically necessary after an accident, auto insurance may cover the expense (though not always). In some cases, health insurance can also cover physical therapy after an accident. Physical therapy clinics can provide services while the claim is still being settled.

#2 – Whose auto insurance should cover physical therapy after an accident?

Legally, the at-fault driver’s auto insurance should pay for any physical therapy claims that result from an accident.

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