Insurance for MMA Fighters – It’s Real and It’s Affordable

The most common question from the readership is: “What kind of insurance does a professional MMA fighter need?”

There are many types of insurance available for a professional athlete, but there are some things that all athletes must have. First, they must have medical coverage through their employer or union. Second, they must have life insurance policies that will cover them if something happens to them while performing their job duties. Third, they must have a car policy that covers them in case of injury or death. Lastly, they must have a home insurance policy that will pay for any damage caused to their house during fights.

In order to get these kinds of policies, it is necessary to go through an agent. Agents are usually paid per client and work with companies such as Nationwide Mutual Insurance Company (NMI) or American Family Life Insurance Company (AFLIC). These agents work with the insurance company to make sure that all of the requirements are met before a policy is issued. Once the policy is approved, it becomes effective immediately.

MMA Fighter Health Insurance

There are two main types of insurance that a professional MMA fighter needs: Medical and Home. Both types of insurance come at different prices depending on your location and what type of coverage you want. It is important that you shop around and talk to more than one company before making a final decision. Remember, the company that offers you the cheapest rate today may not be around tomorrow, so it is best to stay with a company that has been in business for a long period of time and have made it through many changes in the industry.

Medical Insurance

Medical insurance is a type of coverage that will help pay for any medical needs you may require in the future. These policies can cover almost anything from visits to the doctor, hospital stays, medication, surgery, and x-rays. Most basic medical insurance will cover up to $1 million in medical expenses with a $100,000 deductible (the amount of money you must pay before the insurance company pays anything). While these types of plans are great because they are so cheap, they usually do not cover any extreme medical issues and most people don’t end up using them.

There are other types of medical coverage that are much more expensive, but will cover almost any type of medical need. It is best to sit down and talk with a professional before purchasing a policy so you can find the one that fits your needs.

Homeowners Insurance

Homeowner’s insurance is very similar to the type of medical insurance mentioned above. The only difference is it covers the cost of repairs or rebuilding your house if it is damaged or destroyed. The cost of these policies depend on many different factors such as the size of your house, your location, and the amount of coverage you want. However, some of the less expensive policies only cover the house itself and don’t cover any of the belongings inside.

Coverage is broken down into two main types: structural and personal property. The first type covers any damage done to the structure of the building such as walls, floors, and ceilings. The second type covers any of your belongings such as TVs, furniture, or a lost check book. The most basic plans will cover both, but the more expensive ones will only cover one or the other.

The reason for this is that it is much cheaper to rebuild a house then it is to buy all new furniture and appliances.

Most policies also have a maximum amount they will pay out for certain things. For example, a very common maximum is $10,000 for structural repairs to the house. This means that no matter what the cost of repairing your house is, the most the insurance company will pay for it is $10,000. It is important to note that these companies won’t repair or rebuild your house; they will only pay you the money to do it yourself or hire someone else to do it.

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Lastly, most policies have a statute of limitations, meaning that you have a certain amount of time to file a claim after something happens. The most common is a year, but some will start from the day you purchase the policy. If you don’t file your claim within this time, the company will not honor it at a later date no matter what. It is very important that you save all documentation and contact the company as soon as possible if something happens that may be covered.

Homeowner’s insurance is a very good idea if you have a mortgage or any valuable property, but the price of the insurance can be expensive. It is important to check with several companies and compare prices before buying a policy. If you are renting, it may be better to invest the money that the insurance would cost you in a savings account. Most landlords require tenants to buy their own insurance if they have a mortgage so this will protect you in case of an emergency.

ATV, Car, and Other Vehicle Insurance

Like the name suggests, this type of insurance is for vehicles, but only larger ones. This includes things such as motorcycles, ATVs, golf carts, and any other vehicle that isn’t a car or truck. The price of this type of insurance is usually pretty cheap and it will pay to repair or replace your vehicle if it is stolen or damaged beyond repair in an accident.

Liability Insurance

Most people have some form of this insurance. It is required by law in most places and is the most common. It covers things such as other people who are injured in your car or their property when you are driving. Also, if you accidentally injure someone, this insurance will pay for their medical expenses and any lost wages while they recover.

Another type of liability insurance is homeowners or renters insurance. This is very similar to the first one, but instead of paying for other people’s injuries, it pays to repair or replace your property if you or someone living with you damages it.

Medical Insurance

This type of insurance is required by law for most jobs and it covers the cost of medical treatment for you or your dependents. It usually comes in two forms: private and government. The private options will pay for most of your medical care and will only require you to pay a small amount “out of pocket.” The government options are cheaper but have very strict guidelines on what they will pay for.

They usually only pay for check-ups and preventative care, but don’t cover things such as surgeries or pharmaceutical medication.

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Most people have this type of insurance through their jobs. It doesn’t cost that much and it is required by law for most jobs. If you don’t have a job, then you can buy this insurance on your own. Some of the private options offer discounts if you are a good student and have no criminal record.

Automobile Insurance

This is similar to the regular vehicle insurance but the price is much higher, sometimes even more than the price of the car itself! The reason why it is called “full coverage” is because it covers just about everything that could go wrong with your vehicle. Most people choose this type over the regular type because it is much cheaper to insure a car. Usually students can get this insurance for free through their parents until they are around 25 years of age.

Once they reach this age, they have to start paying for themselves.

Homeowner’s Insurance

This is a special type of insurance that is required if you have a mortgage or own your home outright. The price of this insurance depends on the size and location of your home but it can be very expensive. Homeowner’s insurance covers things such as fire and theft, but most of the time it doesn’t cover wind damage or flooding. Most people take out separate policies on their belongings inside the home.

It is usually a good idea to check if your existing car insurance policy covers your valuables inside the home.

Flood and Windstorm Coverage

These two types of insurance are only necessary in certain locations that are prone to these types of disasters. Coastal areas, especially those in the deep south of the US, need flood coverage because of the risk of hurricanes and tropical storms that can cause floods. Valuables can be covered under a regular homeowner’s policy for a few hundred dollars.

Other types of insurance such as life, vision and dental are available to MMA athletes but most of them are unnecessary for the average athlete. These types of policies usually only pay out a small amount of the total cost and it is usually better to save the money in the long run.

You shouldn’t have to pay more than $150 per month for medical and car insurance combined. Anything more than this is too much and you should consider other options.

If you are a homeowner, then flood and windstorm coverage can be added to your existing policy for an extra $200 per year.

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Car insurance through your parents is the cheapest and most reliable option.

Once you become an adult (usually at the age of 25) you will have to pay for your own car and medical insurance so shop around before committing to one provider.

If you are an average risk, the cheapest car insurance can be found through your previous provider (Most likely your parents).

The minimum coverage required in most states is usually liability. This covers damage that you may cause to another person’s property (Car, building, etc.) up to a certain value. Most states mandate that this coverage be purchased before allowing you to take a driver’s test.

Other types of coverage are collision which covers the cost of repairing your vehicle after an accident. Comprehensive which covers events such as theft and vandalism. Federal law requires that you have a minimum amount of liability insurance in order to register your car. The amount is usually set at $500,000.

Your insurance provider can give you more information on this subject.

Other types of auto insurance policies can be purchased through your insurance company or through an independent insurance agent.

Expect to pay higher premiums the older you get, especially once you reach the age of 25.

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The average cost of car insurance for different age groups is as follows:

16-20 – $900/yr 21-24 – $1,200/yr 25-59 – $700/yr 60+ – $600/yr

The best place to get cheap health insurance if you are a student is your parents’ plan. If this is unavailable to you for some reason, your next best bet would be the health plans offered by colleges and universities. These plans are usually significantly cheaper than those offered by private insurance companies.

Once you are out of college and working full-time, you will need to get your own plan. The cheapest plans are offered through private insurance companies. Shop around before committing to one plan for at least five years.

Each state has its own health insurance provider that offers the cheapest plans to its respective citizens. Before committing to a plan, make sure it is offered in your state. If you move to another state, you will not be able to use this insurance.

The cheapest provider for your area can be found at the following links:

Driving without car insurance is illegal in most states. If you are caught driving without car insurance, you can be given a hefty fine. If you get into an accident without car insurance, you will be personally responsible for all damages and this can cripple your finances.

The minimum amount of auto liability insurance required in most states is:

Bodily Injury (per person) – $15,000.00

Bodily Injury (per accident) – $30,000.00 Property Damage (per accident) – $15,000.00

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This is the minimum amount of coverage you need to drive.

Having collision and comprehensive coverage greatly increases your premium, but it is recommended if you can afford it. If you are in an accident, this type of insurance will allow you to repair or replace your car. Having this type of insurance will also allow you to recover your losses if someone else is at fault for the accident. Without it, you will not be able to recover any loss.

Personal Injury Protection (PIP) is a type of coverage that is required in some states. It covers the policy holder and passengers for medical expenses (past their deductible) and loss of income due to injury when an accident is not the policy holder’s fault. This type of insurance has no effect on who is at fault for an accident since it will pay out regardless of who caused the accident. This type of insurance is required in some states and optional in others.

Most states require that your car be insured for a minimum amount of coverage. In states where this is required, failure to maintain this level of insurance can result in your vehicle being impounded and fines up to $2,500 for every year you are lacking the minimum coverage.

The minimum amount of car insurance required in most states is:

Bodily Injury (per person) – $15,000.00

Bodily Injury (per accident) – $30,000.00 Property Damage (per accident) – $15,000.00

This is the bare minimum that you need to drive legally. If you cannot afford this amount of insurance, you should move into a state that does not require it.


These plans cover you for accident related damage to your vehicle. They typically pay for damages up to the value of your vehicle. This is important if you need to have your car repaired or replaced. Without this type of insurance, you would have to pay for these expenses yourself.

You are required to have collision coverage if you have borrowed money to buy your vehicle.


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These plans cover your vehicle from any non-accident related harm. If you have this type of insurance and your car is broken into and the stereo is stolen, this type of insurance will cover the loss. This plan is optional in most states.

Uninsured Motorist

This plan covers you and any passengers if you are in a collision with an uninsured driver. It also covers you and your passengers if you are affected by an hit-and-run driver.

Even if you follow all the rules and have a legitimate reason for not buying insurance, you may be denied service at an accident scene or lose time at work due to injuries sustained in an accident. If you do not have this type of insurance, you put yourself at risk.

This is similar to uninsured motorist coverage but it covers any driver or passengers, not just you or your family. It also covers accidents that are not your fault and any vehicle that you drive.

This plan pays for legal representation for you any family members in an accident related court case. This type of insurance can save you hundreds or thousands of dollars in legal fees if you get into an accident related court case.

The cost of this coverage varies depending on many factors such as:

Your driving record. One or more tickets within the last 5 years increases your premium. Moving violations also increase your premium. Your age.

The older you get, the more you pay. Where you live. Urban areas are more dangerous so they cost more to insure in than rural or suburban areas.

Your credit history. If you have a poor credit history, your rates will be higher.

The cost of this coverage varies from state to state but some guidelines are:

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Coverage Cost Liability $100/300/50 $15,000/$50,000/$5,000 Uninsured Motorist (Coverage B) $1,000,000 Personal Injury Protection (Coverage C) Varies by state Collision (Comprehensive) Varies by value of vehicle Theft Varies by value of vehicle

Your car insurance premium rate is based on many factors. Some of these factors, such as your age, are fixed. Other factors, such as the car you drive and your driving record are not fixed but can be changed to improve your premium.

The main factors that increase your premium (other than those that are fixed) are:

Driving record. Tickets or traffic violations such as speeding, drunk driving or leaving the scene of an accident will increase your premium rate. At-fault accidents will increase your rates even more. Number of claims.

Each accident or claim that you file increases your premium. Deductibles. The higher the deductible, the lower your premium rate. Age and Gender. Older drivers often have lower premiums while young drivers often have higher ones. A male driver will typically have a slightly higher premium than a female driver of the same age Driving Experience. Drivers with experience driving large vehicles such as buses or 18-wheelers typically have a slightly higher premium than those with experience driving standard vehicles. Type of vehicle. Vehicles that are considered more dangerous such as Motorcycles, 18-wheelers and Transports typically have a slightly higher rate than standard passenger vehicles. Area of residence. Drivers who live in urban areas typically pay slightly more for insurance than drivers who live in more suburban or rural areas.

Time versus Money

If you have the money to pay for your car insurance now, then go ahead and do that.

Why bother with trading time for money when you can just trade money for money?

But if you don’t have the money to pay for your insurance, then you may have to resort to the time for money strategy. Your time is worth the most, but putting that time towards car insurance seems like a waste.

On average, you should be able to cut your car insurance bill by $200-$500 per year by spending that extra time finding a better rate. For some people, that $200-$500 could be worth more than the time it takes to earn it so they would rather pay the full rate and avoid the hassle. That’s up to you to decide.

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Regardless of whether you pay your insurance bill or cut it by spending time, make sure you always stay on top of your car insurance payments. Get into the habit of paying them on time every time. Your credit history will thank you for it!

^$200-$500 per year

You’ve done it! You’ve finished my guide to car insurance. Now you’re ready to…

Try to find a company that offers the lowest price for your situation.

Which companies offer the best prices?

That’s something only you can figure out, but don’t fret, there are plenty of resources available to help you do that. Most insurance companies will offer an online quote through their website. For example, if you Google “insurance” and the name of your state, the first few results that come up will be websites where you can get online car insurance quotes.

The prices will vary quite a bit for companies and policies, so just find one that works for you. If you want to go to even further lengths to save money, there are other strategies you can use. One way is to call your local insurance agent or agency and ask them if they have any special offers or discounts you can take advantage of. They get money when you buy from them, so they will often be willing to offer you a deal to try and persuade you to choose them.

Another way is to have more than one car on the policy. Most of the time insurance companies will give you a discount for adding a car to your plan. It doesn’t matter if the car is driven by someone else; they still consider it to be added protection on your part and will reward you with a discount.

And remember, if you are still under your parents’ car insurance plan, you can drop yourself from it anytime you want and they won’t get a bill for you. Just make sure your car is parked in a legal spot while you’re at school and don’t drive it much at all (take the bus instead) and you’ll avoid getting into trouble.

But what if your parents are making you get car insurance because of something you did?

That’s a different story altogether and one you’ll have to fix if you want to get out of paying for car insurance. You can always try apologizing, though sometimes that doesn’t help. Maybe asking for one more chance or offering to do something for them will help them see that they should wait before throwing the book at you. If not, then maybe there are a few loopholes you can try to wiggle through…

But you’ll have to figure that out on your own. I wish you the best of luck!


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Well, there you have it. I’ve told you everything I know about car insurance and how to save money on it. Just remember to pick a plan that works best for you and your situation.

Above all else, make sure to stay safe and follow the advice given to you by your parents or others who have more experience than you when it comes to driving. It will save you a lot of time, money, and most importantly, it could save your life.

Happy (and safe) driving!

Sources & references used in this article:

Reframing the ‘violence’of mixed martial arts: The ‘art’of the fight by G Brett – Poetics, 2017 – Elsevier

It hurts so it is real: Sensing the seduction of mixed martial arts by K Green – Social & Cultural Geography, 2011 – Taylor & Francis

Is violence used to promote Mixed Martial Arts? by TC Greenwell, D Thorn… – International Journal of …, 2015 –

Doing More With Less: A Conversation With Kerry Weems: A former CMS administrator describes the agency’s struggle with resource and staffing constraints—and … by JK Iglehart – Health affairs, 2009 –

Perspectives on health care reform and the Affordable Care Act by E Burgin – 2015 – JSTOR