The type of vehicle you are buying coverage for is one of the biggest factors when comparison shopping for the cheapest coverage for nurses. Vehicles with lower performance, a plethora of safety features, or a low likelihood of having liability claims will cost much less to insure than adrenaline junky models.
The data below shows insurance costs for some of the cheapest automobiles to buy coverage for.
| Insured Vehicle | Estimated Cost for Full Coverage |
|---|---|
| Jeep Wrangler Sport 4WD 2-Dr | $2,117 |
| Honda CR-V LX 4WD | $2,243 |
| Honda Accord EX 4-Dr Sedan | $2,314 |
| Ford Escape XLT 4WD | $2,375 |
| Ford Focus SE 4-Dr Sedan | $2,378 |
| Chevrolet Impala LT | $2,427 |
| Toyota RAV4 2WD | $2,432 |
| Ford Explorer XLT 4WD | $2,511 |
| Toyota Tacoma 4WD | $2,519 |
| Toyota Prius | $2,565 |
| Nissan Altima Hybrid 4-Dr Sedan | $2,604 |
| Ford Fusion SEL 4-Dr Sedan | $2,611 |
| Chevrolet Malibu LTZ | $2,604 |
| Dodge Ram Crew Cab TRX 2WD | $2,643 |
| Ford F-150 FX2 2WD | $2,707 |
| Dodge Grand Caravan Crew | $2,717 |
| Volkswagen Jetta S 4-Dr Sedan | $2,736 |
| Chevrolet Equinox LS 2WD | $2,745 |
| Hyundai Elantra Blue 4-Dr Sedan | $2,749 |
| Toyota Camry Hybrid | $2,775 |
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Cost estimates assume single male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, multi-vehicle, and safe-driver. Premium costs do not factor in the specific area where the vehicle is garaged which can lower or raise premium rates significantly.
Based upon the table data, you can infer that vehicles like the Jeep Wrangler, Honda CR-V, Honda Accord, Ford Escape, and Ford Focus are likely to be some of the less-costly vehicles to insure for health professionals.
One of the many components that are used to help calculate the amount you pay each year for auto insurance is your zip code in Los Angeles. Regions with larger populations or more claims tend to have more expensive car insurance rates, whereas areas with lower vehicle theft rates and fewer weather claims benefit from lower rates.
The information below ranks the priciest cities in California for nurses to purchase a policy in. Los Angeles is ranked at #1 with a yearly cost of $2,168 on average, which is around $181 each month.
| Rank | City | Average Per Year |
|---|---|---|
| 1 | Los Angeles | $2,168 |
| 2 | Glendale | $2,079 |
| 3 | San Francisco | $1,763 |
| 4 | Oakland | $1,687 |
| 5 | Sacramento | $1,669 |
| 6 | Long Beach | $1,626 |
| 7 | San Bernardino | $1,596 |
| 8 | Santa Clarita | $1,595 |
| 9 | Stockton | $1,588 |
| 10 | Fontana | $1,581 |
| 11 | Moreno Valley | $1,536 |
| 12 | Garden Grove | $1,508 |
| 13 | Riverside | $1,497 |
| 14 | Modesto | $1,487 |
| 15 | Fresno | $1,472 |
| 16 | Santa Ana | $1,453 |
| 17 | Anaheim | $1,444 |
| 18 | Huntington Beach | $1,416 |
| 19 | Fremont | $1,403 |
| 20 | Bakersfield | $1,394 |
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Table data uses estimated as the specific Los Angeles residence address can affect auto insurance rates greatly.
Determining which companies have the best insurance rates for nurses calls for a little more work than just comparing rates from one or two companies. Every insurance company has a unique formula to determine rates, so let’s examine the overall cheapest insurance companies in Los Angeles.
It’s important that readers know that California insurance rates are influenced by many factors which can substantially change the cost of having a policy. Improving your credit score, buying a different home, or getting caught speeding can trigger changes in premium that can now make some companies much cheaper than others.
Best Auto Insurance Prices for Health Occupations
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| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,121 |
| 2 | CSAA | $1,186 |
| 3 | Century National | $1,190 |
| 4 | Wawanesa | $1,192 |
| 5 | Nationwide | $1,250 |
| 6 | 21st Century | $1,366 |
| 7 | Grange | $1,433 |
| 8 | Allstate | $1,497 |
| 9 | GEICO | $1,513 |
| 10 | Mercury | $1,533 |
| 11 | Allied | $1,556 |
| 12 | Progressive | $1,558 |
| 13 | MetLife | $1,590 |
| 14 | The Hartford | $1,591 |
| 15 | State Farm | $1,682 |
| 16 | Esurance | $1,688 |
| 17 | Unitrin | $1,750 |
| 18 | Travelers | $1,842 |
| 19 | Bristol West | $1,849 |
| 20 | Farmers | $2,006 |
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USAA quotes some of the cheapest car insurance rates in Los Angeles at around $1,121 annually. CSAA, Century National, Wawanesa, and Nationwide also make the cut as some of the best Los Angeles, CA insurance companies.
As shown in the table above, if you are insured with Wawanesa and switched to USAA, you could realize a yearly savings of in the neighborhood of $71. Drivers with Nationwide could save as much as $129 a year, and 21st Century customers might lower prices by $245 a year.
To find cheaper insurance rates for your vehicle, click here to start your custom quote or quote rates from the companies below.
These premiums are averages across all types of drivers and the different vehicles they drive and do not factor in an exact location for nurses. So the company that can offer you the lowest price may not even be in the top 24 companies in the list above. That point stresses why you need to compare as many prices as possible using your own driver information and specific vehicle type.
Does full coverage make sense?
Saving on insurance is the goal of the majority of people, and one easy way to buy cheap insurance for nurses is to buy only liability coverage. The information below illustrates the difference between insurance premiums with full coverage and liability only. The costs are based on no claims, a clean driving record, $100 deductibles, drivers are single, and no discounts are factored in.
Averaged for all ages 20 through 70, comp and collision coverage costs $2,525 per year more than carrying just liability coverage. That amount may make you wonder if buying full coverage is worth the expense. There is no definitive rule for dropping full coverage, but there is a general guideline you can use. If the annual cost of having full coverage is about 10% or more of any settlement you would receive from your insurance company, then you might consider buying liability only.
For example, let’s pretend your vehicle’s claim settlement value is $8,000 and you have $1,000 physical damage deductibles. If your vehicle is damaged in an accident, the most you would receive is $7,000 after the deductible is paid. If you are currently paying more than $700 annually for comprehensive and collision coverage, then it might be time to buy liability only.
There are a few situations where only buying liability is not a good plan. If you haven’t paid off your loan, you have to keep full coverage to protect the lienholder’s interest. Also, if you don’t have enough money to buy a different vehicle if your current one is totaled, you should keep full coverage on your policy.
Get discounts on Los Angeles insurance
Insurance providers that offer cheap quotes for nurses may provide rate discounts that can lower rates by as much as 35% or more if you are eligible for them. A few of the larger companies and some of the discounts can be found below.
- GEICO policyholders can earn discounts including five-year accident-free, defensive driver, air bags, membership and employees, and military active duty.
- MetLife discounts include claim-free, accident-free, good driver, good student, multi-policy, defensive driver
- Progressive offers discounts for continuous coverage, online signing, multi-policy, multi-vehicle, homeowner, good student, and online quote discount.
- Travelers may include discounts for save driver, IntelliDrive, hybrid/electric vehicle, multi-policy, and continuous insurance.
- SAFECO has discounts for multi-car, teen safe driver, safe driver, anti-lock brakes, and bundle discounts.
- AAA offers discounts including AAA membership discount, multi-policy, anti-theft, good driver, multi-car, and pay-in-full.
The information below illustrates the comparison of premium costs with and without discounts applied to the rates. The data is based on a female driver, no claims or violations, California state minimum liability limits, full coverage, and $250 deductibles.
The first bar for each age group shows the average rate with no discounts. The second shows the rates with safe-driver, claim-free, marriage, accident-free, anti-theft, and homeowner discounts applied. When taking advantage of discounts, the average savings per year on insurance for nurses is 28% or $670.
Low rates can quickly become overpriced
Los Angeles, CA insurance rates are impacted by many things that control the price of coverage. Simply improving your credit, adding a teenager to your policy, or getting a couple of tickets may prompt premium changes that can make some companies cheaper than others. Not only may things change on your end, but companies amend premium rates every year to help ensure profitability. Higher than normal claims may result in price increases, while lower claim levels may produce lower-cost Los Angeles car insurance rates.
For instance, the graph below shows which companies have the cheapest car insurance in Los Angeles, CA for a 40-year-old male driver with no prior claims, no tickets, and solid credit. If we estimate prices based on his current risk factors, USAA offers the best car insurance rates in Los Angeles at $1,808 a year. This is $157 more than the average rate paid by California drivers of $1,651. Wawanesa, CSAA, Nationwide, and Century National are also included in the most affordable Los Angeles, CA auto insurance companies.
In this next rate comparison, we will give the driver in the first chart a claim or two, poor credit, and a speeding citation. Since each company has a different process to establish rates, analyzing rates may result in a different set of companies as shown below.
Grange now has the best price in Los Angeles, CA with Mercury, Allstate, GEICO, and Progressive also having competitive pricing. This illustrates why it is crucial to compare rates when trying to get the most affordable insurance quotes for nurses. Insurance prices can be determined by many risk factors and change frequently, so the cheapest company a year ago may now be one of the more expensive options.
How to find budget-friendly insurance for nurses
Lowering your rates is not difficult, and here are some penny-pinching solutions that can help California drivers buy cheaper coverage.
- Good credit can mean cheaper rates
- Buy a safer vehicle
- Do not get traffic citations
- On older vehicles, drop full coverage
- Increase deductibles to save money
- Having at-fault accidents will increase rates
- Compare rates regularly and switch companies to save money
The last tip is incredibly vital, as we emphasized in this article. Prices in Los Angeles fluctuate considerably, so don’t hesitate to buy from a new company if a more affordable price is available. Many drivers have brand loyalty and that’s fine, but we do not recommend it if that loyalty ends up costing a small fortune. It only take a few minutes to compare prices and find cheaper auto insurance for nurses.