Best Car Insurance for Teachers - Quotes and Discounts (2023)

Many factors affect how much you’ll end up paying for your car insurance premium. One factor that may not be as obvious is your occupation. Some occupations, like teaching, for example, may qualify for special discounts offered by insurers.

Car insurance company Horace Mann claims its research shows that educators are better drivers, while Liberty Mutual offers teachers discounts as a way to support the community. Insurify’s research found that the monthly cost of insurance for teachers is $107 to $303, with an average of $186. Here’s what you need to know about the best car insurance for teachers.

Best cheap auto insurance for teachers

The car insurance rates teachers qualify for can vary based on state, driving history, gender, and credit score. Not all insurers provide occupational discounts for teachers on car insurance, but many of them do.

“​​When it comes to car insurance, teachers may be able to get better deals than other drivers. A driver’s profession is considered by certain insurance companies, while others provide special savings to teachers,” says Jennifer Croslin, a car insurance broker in Littleton, Colorado, and owner of Starlight Insurance Agency. “Insurers have been responding to the unique demands of [educators] by doing things like eliminating deductibles for damage that occurs on school premises, along with some other useful benefits.”

We’ve compiled data from various auto insurance companies on the average monthly cost of liability insurance for teachers. Liability coverage is typically the state-required minimum coverage and helps cover costs for the other party in the event of an accident.

Among the top cheapest car insurance companies for teachers, Travelers offers the lowest-cost insurance, at $107 a month on average. Other cheap car insurance coverage for teachers includes policies from Safeco at $108 a month on average, National General at $121 a month on average, and Clearcover at $128 a month on average. Hallmark ranks the highest, at $303 per month.

These average rates are based on liability coverage, which has limited benefits. Comprehensive and collision coverage offer additional protections for drivers and generally come with higher premiums.

Read More: Cheap Car Insurance for 2022

Cheapest car insurance for teachers by state

Aside from driving history, the state where you live can also affect your car insurance rates. Car insurance prices are about assessing the level of risk to which drivers are exposed. Certain states and cities may have a higher population density, which could increase the likelihood of an accident.^[1] Additionally, weather patterns in the state could affect risk levels as well. So while teachers may receive car insurance discounts, other factors will determine their overall rate.

In the chart below, we’ve compiled data on the most affordable liability insurance policies for teachers by state.

These monthly liability costs run as low as $51 on average in New Hampshire and go up to $651 on average in Michigan. Michigan is a no-fault state, and its average cost for teachers car insurance is 71% higher than the $186 average.

Best car insurance providers for teachers

Although every state has its own minimum insurance requirements, you may want more protection. Drivers can get full coverage, which refers to having comprehensive and collision coverage as well as liability coverage. In other words, drivers are protected in more situations.

Mile Auto offers the cheapest full-coverage car insurance, with a $133 monthly average. Other cheap car insurance companies for teachers include Anchor and Travelers, which offer $154 and $158 monthly averages, respectively.

Check Out: The 10 Best Car Insurance Companies (2022)

Which companies offer car insurance discounts for teachers?

You may be able to get discounted car insurance for teachers baked into the quote you get from an insurance provider. But some auto insurance companies have specific teacher discounts. Here are three companies that offer car insurance discounts for teachers:

1. Liberty Mutual

Liberty Mutual advertises teachers’ auto insurance that includes discounts and extra perks.

These benefits include vandalism loss protection if something happens to a teacher’s vehicle while on school premises or during school activities. In this case, teachers get a $0 deductible.

Teachers also get a $0 deductible if they get into a collision while performing school-related business. Plus, educators get up to $2,500 in coverage for personal property if any teaching materials are damaged in or stolen from the car.

2. Horace Mann

Auto insurance company Horace Mann is unique in that it was created by educators and serves educators, according to its website. The company claims it has found that teachers tend to make safer and better drivers, so it offers car insurance for teachers at competitive rates and includes discounts for teachers. These include:

• An educator discount so you can score a lower rate for being a teacher

• Multiline discount, which offers discounts for consumers who also have other insurance products with Horace Mann, including life insurance or property insurance

• Multicar discount, where you may be eligible for discount car insurance by insuring multiple vehicles with the company

• Association member discount, which is available to eligible members of education or school administration associations

• Payroll discount, which is available to educators who sign up for premium deductions that come out of their paycheck

• New customer discount, which is available to brand-new customers who make the switch

• HMDrive® Premium Credit, which is available to certain drivers in some states for using the company’s safe driving mobile app

• Other discounts as available, such as safe driving

3. GEICO

Teachers who are part of certain education-based membership organizations may be eligible for a discount on an auto insurance policy with GEICO. Here’s a sample of some membership organizations that may qualify for discounted car insurance for teachers:

• American Association of Community Colleges

• American Association of School Administrators

• Association of American Educators

• Association of Teacher Educators

• National Council of Teachers of English

• National Council of Teachers of Mathematics

With all the discounts above, drivers in some states may not qualify, and the rate you get considers many different factors.

“Note that the availability of discounts may differ from state to state. Calling the insurer or contacting a local agent is your best bet for confirming the coverage,” says Croslin.

See Also: Car Insurance Information: Guides, Insights, and Tips

How teachers can save on auto insurance

Not all insurers provide special car insurance for teachers or specific teacher discounts. But you can reduce costs on a car insurance policy in a number of ways:

1. See if you qualify for other discounts. Even if your insurer doesn’t offer teacher discounts available, you may qualify for other discounts. It doesn’t hurt to ask and see what’s available.

2. Bundle insurance products. You may be eligible for a bundling discount if you secure multiple insurance products through a single provider.

3. Keep safe driving practices in mind. A key way to keep rates low is to be a safe driver. This means wearing your seat belt, driving within posted speed limits, avoiding distractions like your cell phone, minding your surroundings, and more.

4. Improve your credit score. Not every state uses your credit rating as part of your car insurance rate, but most states do. Making bill payments on time and using less than 30% of your available credit may help improve your credit rating.^[2]

5. Review multiple insurance providers. When looking for car insurance policies, review multiple quotes from different companies to see prospective rates and savings.

Car insurance for teachers FAQs

Here are answers to some commonly asked questions about car insurance for teachers.