Best Car Insurance for Teachers
Educating young minds and grooming the country’s future leaders requires dedication and hard work, which should be rewarded. That’s why most insurance companies offer special discounts on insurance premiums for teachers. Some insurers also provide exclusive car insurance policies for educators and the school staff. It’s one of the ways the auto insurance companies recognize the efforts of teachers in the community.
This guide will look at the cheapest car insurance policies and some of the best car insurance discounts for teachers in the market. Continue reading to learn more about them.
Do Teachers Get Cheaper Insurance?
Some professions qualify for insurance discounts, and teachers are one of them. In addition, most car insurance companies consider teaching a low-risk occupation. Therefore, educators are offered cheaper car insurance rates. Every insurer weighs risk differently, which is why some insurance providers will offer better incentives than others. Car insurance is sometimes very expensive with various factors determining the pricing.
If you are employed as a teacher, you may earn a discount of nearly $17 per six-month policy compared to the average driver in America. The average six-month auto insurance rate for teachers comes to around $757, or nearly $126 a month.
We’ll outline some of the cheapest car insurance companies for teachers below, along with the best ways to save on insurance premiums.
Cheapest Car Insurance for Teachers
Most car insurance companies will consider the occupation of the driver before they set their policy rates. Your education level may also impact your rates, which benefits teachers who have graduate and advanced degrees.
When we looked at the Progressive and GEICO auto insurance rates, we learned that teachers pay 6% less for auto insurance compared to service workers. In addition, teachers paid $63 less per year compared to service workers with an auto insurance policy from Progressive, while teachers with GEICO insurance paid $114 less per year.
However, not every auto insurance company will ask you for your profession when you’re comparing car insurance rates online. If you’re a teacher, you should speak with an agent to learn if you can avail any discounts.
Best Car Insurance Coverage for Teachers
Apart from the regular car insurance discounts, some providers offer coverages explicitly tailored to meet teachers’ needs. Therefore, if you’re a teacher concerned about protecting your personal property and car while at school, we recommend the following car insurance companies to you.
Liberty Mutual is one of the biggest national auto insurers that provide car insurance for teachers. The coverage includes:
- No deductibles for a collision that happens when you’re driving your car on school business
- No deductibles if your car gets damaged due to vandalism at school events or on school grounds
- A $2,500 coverage per occurrence for school property or teaching materials in your vehicle that get damaged or stolen
All teachers can get a quote for car insurance from Liberty Mutual by using their online form or calling 800-290-6247.
Teachers who buy their car insurance from Horace Mann automatically get an Educator Advantage package free of cost. The package comes with various helpful features for teachers, which include the following:
- New car replacement coverage, which will cover the cost of replacing your car if it’s totaled
- Up to $35 in transportation if you can’t drive your car home safely
- Additional coverage for emergency road service
- No deductible for a collision or vandalism at a school event or on school property
- Up to $1,000 coverage for personal property you are using as a teacher that gets stolen from your car
- Liability coverage when you’re transporting students in a vehicle insured by Horace Mann
- Up to $1,000 coverage for pet injuries
All teachers interested in these coverages can get auto insurance quotes from Horace Mann by using their online form or calling 800-999-1030.
Educators in Georgia, Michigan, Illinois, and Wisconsin can get auto insurance from Meemic insurance. Apart from the 35% discount on their insurance, teachers can avail the following benefits:
- No comprehensive deductible if your loss happens on school property
- Repairs completed with original manufacturer equipment parts
- Liability coverage when you drive students to and from school events
- Accident forgiveness for Meemic policyholders who have been with the company for five years and have never been in an accident
All teachers who want to get car insurance rates from Meemic can use their online form or call their local agent.
California Casualty offers car insurance to affinity groups like paramedics, firefighters, nurses, police officers, or teachers. Teachers’ benefits include the following:
- No comprehensive deductible if your vehicle is vandalized on school property
- No collision deductible if your car is hit on school property
- No collision deductible if an uninsured driver or a California Casualty policyholder hits you
- No deductible if you’re driving a rental car
- Identity theft protection
- No deductible for windshield repairs
- $500 in personal property coverage for any nonelectric items stolen from your car
- No deductible and up to $1,000 in coverage for pet injuries
- Coverage for school supplies stolen from your car
- Towing and roadside assistance
- Payment plans that let teachers skip payments during summer holidays
California Casualty has also partnered with the National Education Association (NEA) and the California Teachers Association to provide Auto and Home Insurance programs. NEA members receive similar car insurance benefits to the ones described above. The home/renters benefits include a $3,000 coverage for personal property you use for teaching, with no deductible.
All teachers interested in obtaining car insurance quotes from California Casualty can use their online form or call 866-680-5143.
Teachers Insurance Plan of New Jersey
Plymouth Rock offers incredibly low rates and several helpful coverages through their Teachers Insurance Plan of New Jersey, including the following:
- Free roadside assistance (other policyholders must purchase the coverage)
- No comprehensive deductible for damage that occurs on school property
- No collision deductible for damage that occurs on school property
- Crashbuster appraisal service or door-to-door valet claim service
All teachers who want to obtain car insurance rates from the Teachers Insurance Plan of New Jersey can use their online form or call 855-993-4470.
Car Insurance Discounts for Teachers
Some car insurance companies offer sweeter deals for teachers compared to the rest. We have created a table below, highlighting car insurance companies that provide discounts to teachers.
|Teachers’ Car Insurance||Discounts for Teachers||Special Offers for Teachers||Where Is It Available?|
||Contact Liberty Mutual representatives to check which discounts are available in your state.|
||Horace Mann offers Educator Advantage package, which contains:
||Contact Horace Mann representatives to check which discounts are available in your state.|
||All states, with the exception of Alaska, Massachusetts, Hawaii, New York, Wisconsin, and Michigan|
||Georgia, Wisconsin, Michigan, and Illinois|
||Available in New Jersey exclusively|
It should be noted that the availability of any discounts varies between states, and car insurance rates depend on several factors.
Even though your occupation as a teacher may help you benefit from some impressive discounts, other factors can impact your rates, like your driving history and credit score. You may even qualify for additional discounts that may help you save more money.
Cost of Car Insurance for Teachers
As teachers in the United States are eligible for special discounts from auto insurance companies, they generally pay less than other groups. We’ll share a table below that accurately states how much a teacher pays on average for a six-month policy from the major car insurance providers in the United States.
If you’re looking for the cheapest teachers’ car insurance policy, consider USAA, as it offers a six-month policy for only $545, which comes down to only $90 a month. If you don’t qualify for an auto insurance policy from USAA, then choose GEICO as the next best option. At only $601 for its six-month policy, you will only be paying $10 more per month compared to the policy from USAA for teachers.
Alternatives to Car Insurance Discounts
There are some alternatives that teachers can use to get lower car insurance rates apart from the standard discounts reserved for teachers by auto insurance providers. Let’s look at some of them below.
- Multipolicy discount
If you get more than one policy from the same insurance company, you can be eligible for a discount.
- Safe driving
Drivers who have had a clean driving record for several years can obtain big discounts on their policies.
- Good student discount
Teachers whose children have excellent grades listed on their policy can get discounts on their car insurance.
- Defensive driving discount
You can earn a discount on your auto insurance premiums by taking a defensive driving course.
- Safety features
If your car is equipped with safety features such as anti-lock brakes or airbags, your car insurance provider will reduce your premiums.
- Pay in full
People who purchase their auto insurance policy for the entire year upfront instead of paying it in monthly installments can be eligible for a discount.
You can share your driving data with the insurance company, and the safer you drive, the bigger your discount will be.
- Drive less
If you don’t drive long distances and have low mileage on your vehicle, you can avail a lower rate on your auto insurance.
Teachers are responsible for educating the future generation and, as such, are respected individuals of any community. They should be encouraged and supported for their efforts, and that’s why most auto insurance companies offer excellent discounts for teachers on car insurance policies.
This guide has covered the auto insurance companies that provide the best car insurance rates and discounts for teachers. We hope that now you have a decent idea about the best car insurance for teachers available in the United States today.
Do I Need Business Car Insurance as a Teacher?
No, as a teacher, you don’t need to acquire business car insurance. All teachers are free to arrange their car insurance with any insurance company they like.
Who Is Eligible for Teacher's Insurance?
All educators, school staff, and people teaching for a living can qualify for teachers’ insurance from any major auto insurance provider in the country.
Does Progressive Offer Discounts for Teachers?
All major insurance companies such as Allstate, GEICO, Farm, and Progressive provide car insurance discounts for teachers. So, yes, you can get auto insurance discounts for teachers from Progressive.
Is Meemic Insurance Only for Teachers?
Meemic insurance was founded in 1950 by a group of teachers who wanted to offer affordable auto insurance to their colleagues. Besides maintaining its focus on teachers, it also offers great insurance to other educational employees, such as counselors, custodians, school nurses, library employees, bus drivers, superintendents, etc.