Auto Insurance for Surgeons (Rates & Discounts)

The average auto insurance rate for surgeons is $152/mo. Companies like GEICO use occupation as a factor in estimating perceived risk when adjusting insurance rates. Factors like the urgency and high-stress levels of the role can mean surgeons may be considered high risk. Thus, auto insurance for surgeons costs more than for some lower-risk occupations. Car insurance discounts for healthcare workers and comparing quotes for auto insurance for surgeons are both ways to save.

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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 9, 2021

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What You Should Know

  • Companies like GEICO sometimes use occupation as a way to help adjust auto insurance rates
  • Auto insurance for surgeons costs an average of $152 per month from companies like GEICO
  • Car insurance physician discounts like those for education level and professional associations can help you save

You’re probably aware that several factors can affect auto insurance rates, and in some cases, this can include your occupation. So if you’re a surgeon, can you expect a change in your rates? Understanding auto insurance is a great place to start, and you’ve come to the right place.

What is the best auto insurance company for surgeons? Are there car insurance discounts for physicians? Read this article for more.

Ready to start shopping for affordable auto insurance for surgeons? Enter your ZIP code in the tool on this page to get your first free quote today.

What are the auto insurance requirements for surgeons?

Surgeons, like other drivers on the road, must purchase at least auto liability insurance coverage that meets the requirements in their state of residence to drive legally.

While there are no other auto insurance requirements for surgeons, collision and comprehensive coverage are also recommended. Keep reading for average auto insurance rates for surgeons.

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How much does auto insurance for surgeons cost?

Auto insurance companies use various factors to assess driver risk (i.e., the likelihood the driver will cost the company in claims).

GEICO was one of the first companies to include occupation in this risk equation. Take a look at this table to see how rates for surgeons compare to rates for other medical professionals.

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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Insurance companies consider a few factors when looking at occupation. The higher education necessary to be a surgeon can be extrapolated to mean increased responsibility while behind the wheel.

However, surgeons can be considered high-risk because of the long working hours, odd times on the road, and urgency associated with their role. All of these factors contribute to auto insurance rates for surgeons.

Other factors that can affect auto insurance rates for surgeons include driving record, credit score, age, marital status, and more. However, these effects may vary based on state law.

One occupation-related factor that doesn’t affect rates is annual salary. Even though surgeons make a higher than average wage ($200,890 per year, according to the Bureau of Labor Statistics), this is not taken into consideration when determining rates.

One way to save on auto insurance as a surgeon is to ask about car insurance discounts for healthcare workers.

The most common discounts for medical professionals include discounts for memberships in professional organizations, alumni discounts, and discounts for higher education.

You can also find out if you qualify for discounts based on your driving record, credit score, and more. Another way to save is to compare quotes from multiple companies to ensure you’re getting the best rate for your coverage.

Auto Insurance for Surgeons: The Bottom Line

You can buy auto insurance for surgeons from most major companies. All surgeons are required to carry is minimum liability coverage.

Companies like GEICO use occupation as a factor in adjusting rates, and by some measures, being a surgeon is considered higher risk. Discounts and comparing rates are the best ways to save.

Before you go, use your ZIP code in our rate comparison tool to get auto insurance quotes for surgeons.

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