Best Car Insurance for Teachers

Teachers provide such a wonderful and important benefit for many people — and they should enjoy a few benefits in return! Many auto insurance companies offer cheaper auto insurance just for being an educator or someone who supports educators. In fact, some car insurance policies offer teacher-related benefits specifically tailored to their needs.

Auto Insurance Discounts for Teachers

Teachers are among those eligible for the numerous discounts and perks insurance companies normally offer, but they are also qualified for discounts aimed at teachers and their lifestyles. Teachers interested in car insurance discounts may want to take a look at the following companies for special rates:

  • Farmers: Farmers offers up to 4% off in car insurance discounts for teachers and members of certain organizations; discounts vary by state.

  • Horace Mann: Horace Mann Insurance is founded by educators for educators and offers multiple services and programs for teachers. Members can enjoy discounts, education-related savings and teacher resources (such as their Teacher's Lounge).

  • Liberty Mutual: Liberty Mutual offers special car insurance benefits for educators, which can vary by state. Members can see up to 12% savings on yearly car insurance rates and a waived deductible if their car is damaged while on school property or while driving for school business. You can also get coverage up to $2,500 if school materials are stolen or damaged from your car.

  • Meemic: Meemic car and home insurance are exclusively for anyone employed or retired as a teacher or member of the school staff. They offer car insurance discounts for teachers and staff living in Georgia, Illinois, Michigan and Wisconsin. Teacher-related discounts include an extra discount for the first seven years after a new-teacher certificate and more.

  • Alfa: Alfa offers specially discounted auto insurance for full-time teachers and professors living in Alabama and Mississippi.

  • Plymouth Rock Assurance: Available only to New Jersey teachers or retired educators and staff, members can enjoy reduced car rates.

  • Educators Insurance Agency: Educators Insurance Agency provides reduced rates to members of the Massachusetts Teachers Association.

  • California Casualty: Teachers can qualify for car and home insurance created specifically for them. For example, they can skip payments in the summer and get coverage for lost school supplies.

Many insurance providers are ready to offer teachers cheaper car insurance rates

Cheapest Insurance Providers for Teachers

We've summarized popular car insurance providers with a list of 6-month auto rates for teachers.

Insurance Company

6-month premium

USAA

$545

State Farm

$647

Nationwide

$714

Liberty Mutual

$808

Farmers

$822

Allstate

$1,011

Find Affordable Auto Insurance for Teachers

Best Car Insurance Coverage for Teachers

Some insurance providers offer special coverage and discounts for educators, including:

  • Horace Mann

  • California Casualty

  • Meemic

  • Liberty Mutual

  • Teachers Insurance Plan of New Jersey

Horace Mann

Educators and school staff can qualify for their Educator Advantage package at no added cost, plus they can qualify for a discounted car insurance rate. Teachers can enjoy special benefits like reduced or waived deductibles if their property is vandalized or stolen while on school property or during school events. Other benefits include:

  • $35 in transport fees to get you home safely

  • New car replacement coverage

  • $0 deductible for collision or vandalism on school property or during a school event

  • Emergency roadside assistance

  • Liability coverage when transporting students

  • $1,000 in coverage for any personal items stolen from your car

  • $1,000 in pet injury coverage

California Casualty

California Casualty customizes its auto insurance for teachers to make their lives easier — inside the classroom and out. You can also group different types of insurance policies like home, condo, renters, motorcycle insurance and more.

  • $0 deductible if your vehicle is hit or vandalized while on school property

  • Free identity theft resolution

  • Broad Policy Protection to anyone who borrows your car

  • Waived rental car deductible

  • $0 deductible for windshield repairs

  • $500 personal property coverage

  • Pet injury coverage

  • Towing and Roadside Assistance

  • Up to $2,000 to replace custom parts

Ensure that you have the best auto insurance rates by comparing quotes from other carriers.

Meemic

Meemic offers insurance to teachers in Michigan, Illinois, Georgia and Wisconsin. Educators can get the following benefits from Meemic:

  • Special teacher rate: discounts vary by state

  • 35% off insurance

  • $0 deductible for vandalism that occurred on school property or at school events

  • Collision coverage when driving students for school-related activities

  • Accident forgiveness if you have been accident-free with an active policy for five years

Liberty Mutual

Liberty Mutual is the sixth-largest property and personal liability insurer that also offers insurance coverage for teachers, which includes:

  • $0 deductible for any covered collision that happened while driving on school business

  • $0 deductible for Vandalism Loss Protection: any vandalism that happened on school property or during school events

  • Teacher's Auto Insurance options are available for teachers at no cost in certain states

  • Personal Property Coverage: $2,500 coverage per occurrence for any teaching materials or school-owned items that are stolen or damaged from your vehicle

Teachers Insurance Plan of New Jersey

Teachers Insurance Plan of New Jersey offers cheap premiums and the following benefits:

  • $0 deductible for damage to your car on school property

  • Free roadside assistance

  • $0 deductible for collisions that happen on school property

  • Door-to-door appraisal services

Tips for Cheaper Car Insurance for Teachers

Being an educator is a special and important job, and many insurance providers are ready to recognize that with cheaper car insurance rates to help you save money. Here are a few tips for getting the most cost-effective insurance policy:

Let Your Insurance Agent Know

Insurance companies love being there for educators and educational administrators, so it's a good idea to mention it when shopping around for insurance rates. If you already have a policy, give your provider a call and ask if they offer special teacher discounts or cheaper rates than you're already paying.

Check Your Union

Unions represent different groups of workers to ensure great benefits and pay. Some offer special coverage to Association of Teacher Educators members. California Casualty works closely with National Education Association members. If you're part of a teacher's union, it's not a bad idea to check with them first to see where you can find cheaper insurance.

Bundle Your Insurance Policies

Many insurance companies also offer renters or homeowners insurance, and teachers can stack benefits and discounts by bundling their insurance policies. This is a great way for most people to save on their monthly premiums, whether they teach or not. It's always a great idea to get more than one policy from the same insurer!

Be a Safe Driver

Some insurance carriers offer Accident Forgiveness if you have not had an accident in five years with the same company. Maintaining a clean record is a good way to score cheap rates and discounts.

Defensive Driving Classes

Many teachers can earn additional discounts by taking a defensive driving class.

Shop Around for Car Insurance

The best way to ensure that you have the best auto insurance rates possible is to compare quotes from other carriers. However, it does take a little leg work and effort to do the appropriate research.

Teachers can stack benefits and discounts by bundling home and home/renters insurance.

FAQs

Why do insurance companies give discounts for teachers?

Insurance companies give teachers discounts since they are considered less risky and as a professional courtesy. Teachers do a lot for our children, and many companies like to offer them discounts and cheaper rates.

Do all teachers get discounts on auto insurance?

Most major insurance carriers such as USAA, Farmers, Allstate and more provide auto insurance discounts for teachers. However, coverage can vary by state and company, so it's important to check with your provider first.

What is the best car insurance for teachers?

According to our list, USAA is the cheapest vehicle insurance for teachers at a cost of $90 per month; however, it is only available to service members and their families. Horace Mann and Meemic have special teacher rates but so do many other providers like Allstate and Liberty Mutual. Compare rates to see which is cheapest for you.

Shop Around for the Best Car Insurance for Teachers

Many insurance companies offer special discounts for teachers and school support staff. Shopping around with educator-friendly carriers can help you save money. Just like grading papers, hunting around for the perfect rate can be time-consuming. SmartFinancial can help you quickly find the best car insurance rates in your area. Simply enter your zip code below and answer a few questions to get the cheapest quotes in your area for free.

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