Cheap Auto Insurance for Home Care Workers in 2024 (Save With These 10 Companies!)

If you’re looking for cheap auto insurance companies for home care workers, Progressive, Geico, and State Farm stand out as top choices starting at $61 per month. 

With the demanding nature of their profession, home care workers prioritize reliability and affordability in their insurance choices, making these three companies highly appealing options.

Our Top 10 Company Picks: Cheap Auto Insurance for Home Care Workers

Progressive is the cheapest, but Geico and State Farm offer similar discounts and coverage options. The ten companies in the table above have the best car insurance for care workers.

To find cheap auto insurance for nurses and other home healthcare workers, enter your ZIP code above and compare care rates now.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

#1 – Progressive: Top Overall Pick

Pros

• Name Your Price Tool: Progressive’s Name Your Price tool allows customers to input their desired budget for auto insurance. Read our Progressive auto insurance review for more.
• Progressive Snapshot: The Progressive Snapshot tool is a usage-based program that allows policyholders to potentially lower their auto insurance premiums based on their driving habits.
• Range of Discounts: Progressive offers various discounts that home care workers may qualify for, such as safe driver discounts, multi-policy discounts, and discounts for bundling insurance policies. 

Cons

• Limited Coverage Options: While Progressive offers customized coverage for home care workers, its options may still be limited compared to other insurers.
• Customer Service Concerns: While Progressive generally receives positive reviews for its customer service, some customers may encounter issues or delays when filing claims or seeking assistance. 

#2 – Geico: Best for Affordability Focus

Pros

• Competitive Pricing: Geico’s ability to provide budget-friendly rates while still offering a range of features and benefits contributes to its popularity. Home caregivers should read our Geico auto insurance review. 
• Geico DriveEasy: Geico’s DriveEasy program is a usage-based insurance option that uses a mobile app to track driving behavior. Customers can earn discounts based on safe driving habits.
• Financial Stability: Geico is backed by the financial strength of Berkshire Hathaway, providing policyholders with confidence in the company’s ability to fulfill its obligations. 

Cons

• Limited Local Agents: Geico primarily operates through its online platform and call centers, which may not be suitable for home care workers who prefer face-to-face interactions.
• Coverage Options: While Geico offers standard auto insurance coverage, some home care workers may find that it lacks certain specialized options tailored to their profession. 

#3 – State Farm: Best for Service Excellence

Pros

• Extensive Agent Network: State Farm is renowned for its personalized customer service, with a vast network of local agents available to assist policyholders. Read our expert State Farm review for more.
• State Farm Drive Safe & Save: State Farm’s Drive Safe & Save program is a usage-based insurance option that uses telematics technology to monitor safe driving habits. 
• Premier Service Program: State Farm offers a Premier Service Program for auto repair claims, providing customers with access to a network of pre-screened repair shops.

Cons

• Higher Premiums: While State Farm’s customer service and coverage options are praised, some home care workers may find that its premiums are higher compared to other insurers. 
• Limited Online Presence: State Farm’s emphasis on local agents may result in a less robust online experience for policyholders who prefer managing their insurance affairs digitally.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

#4 – Allstate: Best for Custom Discounts

Pros

• Accident Forgiveness: Allstate offers accident forgiveness as a feature of some of its auto insurance policies. Learn more from our Allstate auto insurance review.
• Deductible Rewards: Allstate’s Deductible Rewards program allows policyholders to earn monetary credits toward their deductible for every year they remain accident-free.
• Enhanced Claims Experience: Allstate provides a streamlined claims process through its QuickFoto Claim® feature, allowing home care workers to submit photos of vehicle damage.

Cons

• Mixed Customer Reviews: While Allstate strives to provide satisfactory customer service, reviews regarding its customer service can be mixed.
• Potentially High Premiums: Some Allstate customers complain of higher rates compares to other insurers.

#5 – Farmers: Best for Occupation Rewards

Pros

• Farmers Smart Plan Auto Program: This program provides a range of options, including additional liability protection, coverage for medical payments, and enhanced roadside assistance.
• Rideshare Coverage: This specialized coverage fills gaps that may exist between personal auto insurance and the insurance provided by ridesharing companies.
• Farmers Claims Service Advantage: With 24/7 claims assistance, Farmers ensures prompt and efficient claims processing. Read more of our expert Farmers Insurance review.

Cons

• Potentially Higher Rates: Despite the customizable coverage options and dedicated claims service, home care workers may find that Farmers’ premiums are higher compared to other insurers.
• Limited Digital Resources: Farmers’ online platform may offer fewer tools and resources compared to competitors, limiting the ability of home care workers to manage policies, file claims, or access educational materials online.

#6 – Nationwide: Best for Policy Adaptability

Pros

• Vanishing Deductible: Nationwide offers a Vanishing Deductible program, where policyholders can earn a reduction in their deductible amount for every year of safe driving.
• On Your Side Review: Nationwide’s On Your Side Review is a complimentary insurance review service offered to policyholders. Read more about what customers say in this Nationwide review.
• SmartRide Program: Nationwide’s SmartRide program is a usage-based insurance option that uses telematics technology to monitor driving behavior.

Cons

• Limited Availability: Nationwide offers coverage in 46 states. Nationwide does not offer car insurance in Alaska, Hawaii, Louisiana, and Massachusetts.
• Sparse Discounts: Allstate has less discounts available to policyholders than other providers.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

#7 – Liberty Mutual: Best for Broad Coverage

Pros

• Better Car Replacement: This coverage provides coverage for a new car of the same make and model if the insured vehicle is totaled in an accident and is less than one year old or has less than 15,000 miles.
• 24-Hour Roadside Assistance:  This service offers peace of mind to home care workers, ensuring they have assistance available in case of breakdowns, flat tires, lockouts, or other roadside emergencies.
• Deductible Fund: Liberty Mutual policyholders can contribute to a fund that reduces their deductible amount in the event of a covered loss. Learn more in this Liberty Mutual review.

Cons

• Limited Discounts: While Liberty Mutual offers some discount programs, such as Better Car Replacement and 24-hour roadside assistance, its range of available discounts may be more limited compared to other insurers.
• Delayed Claims Processing: Some home care workers may find Liberty Mutual’s claims process to be more complex or time-consuming compared to other insurers

#8 – Erie: Best for Tailored Rates

Pros

• Rate Lock Feature: Erie offers a Rate Lock feature, which allows policyholders to lock in their auto insurance rates indefinitely, as long as they have an Erie auto policy. Read our expert Erie Insurance review.
• Erie Auto Plus Endorsement: This endorsement includes features such as increased limits for rental car coverage, locksmith services, and coverage for transportation expenses if a vehicle is stolen.
• Erie Rate Shield: This feature guarantees that policyholders’ auto insurance rates will only change if they add or remove a vehicle or driver from their policy, or if they change the policy’s coverage limits.

Cons

• Limited Availability: Erie Insurance operates in a limited number of states, primarily in the Mid-Atlantic and Great Lakes regions.  
• Fewer Digital Tools: Home care workers who prefer managing their insurance affairs online or through mobile apps may find Erie’s digital capabilities to be less robust.

#9 – Travelers: Best for Professional Discounts

Pros

• IntelliDrive Program: Home care workers can enroll in this program to potentially earn discounts based on safe driving habits. Learn everything you need to know at our Travelers insurance review.
• Premier Roadside Assistance: This offers comprehensive coverage for roadside emergencies such as towing, battery jump-starts, flat tire changes, and locksmith services.
• New Car Replacement: Travelers offers New Car Replacement coverage, which provides reimbursement for the cost of a brand-new vehicle if the insured car is totaled within the first five years of ownership.

Cons

• Limited Local Agents: Travelers may have fewer local agents compared to some other insurers, which could result in limited availability of in-person support and assistance for home care workers.
• Coverage Limitations: Home care workers may find that certain specialized coverage options or endorsements relevant to their profession, such as coverage for transporting clients or medical equipment, are not readily available or may require additional customization.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

#10 – American Family: Best for Work Usage

Pros

• KnowYourDrive Program: American Family offers the KnowYourDrive program, a usage-based insurance option that uses telematics technology to monitor driving behavior.
• 24/7 Roadside Assistance: This service ensures that home care workers have access to reliable assistance whenever they encounter vehicle-related issues while on the job.
• Diminishing Deductible: American Family policyholders can earn a reduction in their deductible amount for every year of claims-free driving. Find out more with this American Family review.

Cons

• Higher Rates: Customers complain that American Family insurance rates are too high.
• Limited Availability: American Family insurance is only available in 19 states.

Why You Need Home Care Worker Car Insurance

Your job as a home care worker involves driving for a number of different purposes. The biggest driving requirement for this type of work is simply getting from one client’s home to another. In addition to driving from one work location to another, as a home care worker, you might sometimes use your own car to pick up supplies from your agency.

For instance, your employer may provide you with a certain amount of basic personal hygiene or safety supplies like latex gloves or disinfecting wipes. You may also have to drive to the office once a week to pick up or drop off time sheets or logs of your work.

Finally, like many home care workers, you probably use your car to do specific tasks for your clients. These can include picking up prescriptions or grocery shopping. You might sometimes drive your client somewhere, such as to a doctor’s office or senior center.

If your client doesn’t own a car or their auto insurance restricts who can drive it, you may have to use your own vehicle. All of these examples represent a business commercial use of your car, and you must notify your auto insurance company that you use your car this way.

Best Car Insurance for Home Care Workers: Considering Risks

Home health nurses take on a number of risks when driving for their job. First and foremost is always the risk of personal injury if an accident occurs. Such an injury could lead to an extended absence from work.

Although it can be painful to consider, there is always the potential that you may injure or even kill another motorist or passenger in an accident.

Many different elements can increase these risks, but a few of the most common are the following:

• Distraction: Driving while doing other activities is dangerous and irresponsible.
• Fatigue: Operating a vehicle while you are too tired to react quickly makes it harder to avoid an accident.
• Poor Visibility: Driving at night or in poor weather increases the risk of a collision.
• Speeding: This includes both breaking the posted limit and driving faster than is safe under current conditions.

Some of these risky situations could happen when you’re a very busy homecare worker. Even if you do everything right, however, you can’t guarantee that some other motorist’s behavior won’t affect you. The more your job puts you on the road, the more likely you will experience a motor vehicle accident.

If you only have personal auto insurance, your driving risks turn into financial risks. This is because your auto insurance company can refuse or limit payments for accidents that happen while you are working, especially if you didn’t tell your insurer that you use your car for work. Read more here to find a list of the best auto insurance companies according to our experts. 

In order to minimize the risks of driving for your job, you need to be as responsible about getting insurance as you are about driving.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Employer’s Requirements for Home Care Auto Insurance

Talk to your employer before you make any changes to your auto insurance. Your company might require you to have specific amounts of auto coverage on your personal car if you use it for work. The reason for such a requirement is that the company can be liable for costs associated with an accident that you cause if you don’t have enough insurance.

Auto Insurance for Home Care Workers: Monthly Rates by Coverage Level & Provider

 

If your employer does have requirements for your auto insurance, they might be higher than your state’s car insurance coverage requirements. If so, you need this information before you start shopping for additional coverage.

Some home care company owners, especially those of smaller agencies, are not aware of their potential auto liability risks. When discussing this issue with your employer, you might want to advise them to talk with their insurance company about the need for non-owned auto coverage. This is a type of additional insurance coverage that protects a company when its business involves using a car that belongs to someone else. In the meantime, proceed with obtaining commercial coverage for your car to protect yourself.

Factors Influencing Commercial Auto Insurance for Carers

Several factors determine what rates you will pay when you buy commercial auto insurance. Many of these factors are the same as those that affect personal auto rates. Of course, your driving record and history of accidents will play a big role.

Insurance companies will also consider the type of vehicle and the number of miles you expect to drive. These two considerations can make commercial auto insurance more expensive because cars used for work are often more expensive types of vehicles and their drivers will likely accumulate many miles for work purposes.

The type of business that you use your vehicle for can impact your auto insurance rates. If driving is your main job activity, this would naturally incur the highest rates. Here is a look at the average rates you will pay based on the type of vehicle you drive if you choose a commercial policy.

However, a home care aide’s driving is only incidental to their job, not the main activity. That may mean that your rates for auto insurance will be lower than for other commercial auto uses. Keep in mind that your rates will still probably be higher than those for personal auto insurance. How much coverage you need will be one of the biggest elements in determining how much you will pay for your insurance.

Remember that your employer or your state may have specific requirements for this. That means you can’t skimp on coverage to trim costs, as you risk your job as well as your financial security if you are underinsured.

Even at the risk of increased costs, it’s wiser to have more coverage than less. The deductible amount you select will also affect your rates, with a lower deductible meaning higher rates and vice versa.

How Much Auto Insurance Home Care Workers Need

One of the most important choices you will make when buying auto insurance is how much coverage you choose. You probably already have personal auto insurance that meets auto insurance that meets state minimums, but you will want to make sure your state doesn’t require even higher coverage for the business use of your car.

Higher state limits are uncommon for small personal vehicles that are also used for work, but it’s always good to be sure rather than making an assumption that costs you later.

While getting the minimum coverage required in your state will allow you to stay legally covered, it might not guarantee full financial protection. Remember that your employer may be on the hook for claims that go over the amount of coverage you have.

Progressive offers all of the coverage you need to make sure you are completely covered.

In a worst-case scenario, any valuable property or savings you have could be put at risk if an accident leads to a big lawsuit. That is why getting the best coverage you can afford is usually smarter than settling for the minimum. 

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Auto Insurance for Self-Employed Home Care Workers

A small percentage of home care workers work independently instead of through a home care agency. If you are one of them, you have a few extra issues to consider. First, it is even more essential that you get adequate auto coverage if you are self-employed and using your personal vehicle for work.

You do not have an employer’s insurance coverage as a backup, which means if you cause a serious accident, you will likely face a lawsuit that could cost you dearly. If you are self-employed, you can talk to an agent about adding non-owner auto insurance coverage for yourself.

You also should make sure you understand how your commercial auto policy deals with situations where you are driving a client’s car. You may not do this very often, and the client’s auto insurance policy might cover you, depending on the circumstances.  

However, you don’t want to wait to find out whether you’re covered until it’s too late. Non-owner auto insurance can give you additional peace of mind about your liability for an accident, no matter how it happened or what vehicle you were driving.

Best Car Insurance for a Home Health Nurses

In the healthcare field, nurses are vital, requiring dependable transportation to serve their patients effectively. That’s where cheap car insurance for nurses comes in, offering affordable coverage tailored to their needs, ensuring they can focus on providing exceptional care without worrying about high insurance costs.

Just as with personal auto insurance, you may be eligible for special discounts to reduce your commercial auto rates. Ask your agent if you can get a break on your commercial rates for taking a defensive driving course or having advanced safety features on your car. Read more about the best auto insurance for nurses.

In addition to cheap car insurance for nurses, it’s crucial for home health aides to secure liability insurance for home health aides. This coverage provides essential protection against potential risks and liabilities that may arise while providing care in clients’ homes. 

Furthermore, for those aides who transport clients as part of their duties, having comprehensive car insurance for transporting clients is imperative. This specialized insurance ensures both the safety of the aide and the client during transit.

Driving is one of many obligations that your care work entails, and you owe it to yourself to have the right auto insurance for home care workers. Careful planning will help you master the task of getting that protection, matching the right coverage with rates you can handle. Enter your ZIP code now to compare rates in your area.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption