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Best Car Insurance For Teachers

Last modified: Sep 29, 2022

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 

Liberty Mutual is one of the biggest national auto insurers that provide car insurance for teachers. The coverage includes:

All teachers can get a quote for car insurance from Liberty Mutual by using their online form or calling 800-290-6247. 

Horace Mann

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:

All teachers interested in these coverages can get auto insurance quotes from Horace Mann by using their online form or calling 800-999-1030.  

Meemic

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:

All teachers who want to get car insurance rates from Meemic can use their online form or call their local agent. 

California Casualty

California Casualty offers car insurance to affinity groups like paramedics, firefighters, nurses, police officers, or teachers. Teachers’ benefits include the following:

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:

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?
Liberty Mutual 

  • Teachers can save up to 12% on annual premiums

  • Waived deductible in case your car is vandalized on school property. It also applies if your vehicle is damaged during  different school-related events ($100 in PA)
  • Coverage that goes up to $2,500 per occurrence of damaged and stolen teaching materials on school property
  • Collision coverage while driving for business with $0 deductible ($100 in PA)

Contact Liberty Mutual representatives to check which discounts are available in your state. 
Horace Mann

  • Discount for Educators
  • School Administrator Association Member Discount 

Horace Mann offers Educator Advantage package, which contains:

  • $0 deductible for vandalism on your vehicle or collision that occurred on school property and during school events
  • Liability coverage for student transportation 
  • Personal property coverage for stolen teaching materials from the car (up to $1,000)

Contact Horace Mann representatives to check which discounts are available in your state. 
California Casualty 

  • National Education Association members can save approximately $423 per year

  • $0 deductible for collision or vandalized vehicles on school property
  • Coverage extends to other vehicles and drivers automatically
  • Zero deductible for collisions with an uninsured motorist. It also applies if you collide with another CC policyholder

All states, with the exception of Alaska, Massachusetts, Hawaii, New York, Wisconsin, and Michigan
Meemic

  • Policyholders can save up to 35%
  • Meemic offers certified teacher discount 

 

  • Zero deductible for a damaged vehicle, stolen materials, or collisions that occurred on school property
  • Liability coverage for student transportation

Georgia, Wisconsin, Michigan, and Illinois
GEICO

  • Different discounts for members of various educational organizations. Make sure to consult the GEICO representative to see if you are eligible. 

  • It depends 

All states
Farmers

  • Farmers offers an occupational discount for teachers

  • It depends

All states
Plymouth Rock

  • Teachers can get special quotes for insurance in New Jersey

  • Zero deductible for different accidents that occurred on school property
  • Coverage for school property stolen from your vehicle (up to $1,000)

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. 

Insurance Company

6-Month Premium

Allstate $1,011
Farmers $822
GEICO $601
Liberty Mutual $808
Nationwide $714
Progressive $763
State Farm $647
USAA $545

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. 

If you get more than one policy from the same insurance company, you can be eligible for a discount. 

Drivers who have had a clean driving record for several years can obtain big discounts on their policies. 

Teachers whose children have excellent grades listed on their policy can get discounts on their car insurance. 

You can earn a discount on your auto insurance premiums by taking a defensive driving course. 

If your car is equipped with safety features such as anti-lock brakes or airbags, your car insurance provider will reduce your premiums. 

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. 

If you don't drive long distances and have low mileage on your vehicle, you can avail a lower rate on your auto insurance. 

In Conclusion 

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.

FAQ

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. 

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