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Updated
Many car insurance companies offer discounts for teachers. Some insurers offer dedicated discounts of up to 15%, while others advertise deductible waivers or other special perks.
On average, U.S. teachers pay around $96 per month for liability insurance and $180 for full coverage, according to Insurify data. These rates are slightly below the national monthly averages of $98 for liability coverage and $186 for full coverage, respectively.
Here’s what you should know about the best car insurers for teachers, who qualifies for teacher auto policies, and how to find affordable rates.
COUNTRY Financial offers the lowest car insurance rates for teachers, at $65 per month for liability coverage.
COUNTRY Financial offers the most generous teacher discount of 15%.
If someone vandalizes your car on school property or during a school-related event, some insurers, like Liberty Mutual, will waive your deductible.
Teachers can secure a discount and save on car insurance coverage. That’s because many insurers offer discounts specifically for teachers and educators to show their appreciation. But discounts aren’t automatic, and eligibility varies by car insurance company.
Agent Tip: Is switching insurers worth it just for the teacher discount?
“Some insurers, like COUNTRY Financial, offer a considerable discount to teachers. That said, you shouldn’t switch insurers just for the discount. Review your auto insurance coverage at least once per year, and compare quotes from three to five insurers, or more. As you do, compare more than just the price and discounts. Does the policy meet your goals? Choosing the right policy is about finding the best coverage for your needs at the most affordable rate.”
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Average monthly car insurance costs for teachers in the U.S. are $96 for minimum insurance and $180 for full-coverage policies, according to Insurify data. But being a teacher plays a relatively small role in your overall cost, and premiums and rates vary widely by state, age, credit history, and driving record.
Here’s a look at car insurance costs for teachers compared to national average rates.
Coverage Type | Average Monthly Rate for Teachers | National Average Monthly Rate |
|---|---|---|
| Liability only | $96 | $98 |
| Full coverage | $180 | $186 |
Compare rates from the nation’s leading insurance companies
Fortunately, many auto insurance companies serve teachers and educators. But each one comes with its own pros and cons that are important to consider.
Here, you’ll find some of the best insurers for teachers, based on factors like discounts or benefits, average rates, and customer satisfaction.
Below, you’ll find more information on five of our top picks: Horace Mann, Liberty Mutual, COUNTRY Financial, GEICO, and California Casualty.
Insurance Company | Best For | Average Monthly Liability Rate |
|---|---|---|
| Horace Mann | Built-in teacher perks | N/A |
| Liberty Mutual | Deductible waivers | $128 |
| COUNTRY Financial | Teacher-specific discounts | $42 |
| GEICO | Members of educational or professional organizations | $79 |
| California Casualty | Teachers with customized vehicles | N/A |
| User Reviews | NR |
|---|
Based in Illinois, Horace Mann provides financial products, like car insurance, to educators and their families. The Educator Advantage package comes with every auto policy and offers a variety of perks at no extra cost.
For example, you’ll pay no deductible for vandalism losses or collision claims on or near school property or at a school-sponsored event. Other benefits include up to $2,500 in personal property coverage and up to $2,500 for vet bills if your pet gets injured in an accident.
Online quotes available
Offers an educator discount
Local insurance agents for in-person service
Limited add-ons
Not available in every state
Not rated in J.D. Power customer satisfaction study
| User Reviews | 3.5 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.4 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $128/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $206/mo |
Liberty Mutual's score | Industry average | |
|---|---|---|
| Coverage options | 3.6 | 3.2 |
| Customer service | 3.5 | 3.6 |
| Discounts | 3.3 | 2.9 |
| Policy transparency | 3.4 | 3.1 |
| Value | 3.0 | 2.9 |
Drivers appreciate the ease of making payments and the company’s helpful customer service. But they dislike the frequent and unexplained rate increases, and some report difficulties in communication and claim handling.
Liberty Mutual offers customized auto insurance policies for teachers. The insurer will waive your deductible if someone vandalizes your vehicle on school property or during school-related events.
If someone steals your books or other work-related property, or damages them, the insurer may reimburse you up to $2,500. Additionally, you won’t owe a deductible after an accident that occurs while you’re driving to school.
RightTrack telematics program offers savings
Variety of optional auto insurance coverages
Above-average J.D. Power customer satisfaction rating[1]
Teacher auto insurance isn’t available in every state
Pennsylvania teachers may pay a higher deductible in some cases
No rideshare coverage for teachers seeking secondary income
| User Reviews | 4.0 |
|---|---|
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $42/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $88/mo |
Country Financial's score | Industry average | |
|---|---|---|
| Coverage options | 3.9 | 3.2 |
| Customer service | 3.4 | 3.6 |
| Discounts | 3.5 | 2.9 |
| Policy transparency | 3.8 | 3.1 |
| Value | 3.2 | 2.9 |
Customers appreciate the prompt claims service and personal touch but are frustrated by the constant rate increases and lack of discounts.
COUNTRY Financial advertises a 15% car insurance discount for teachers. You can further your savings as an educator with other discount opportunities, such as a multi-policy discount, defensive driver discount, and legacy discount.
Plus, you may sign up for the company’s DriverIQ safe driver rewards program and score up to 25% off for driving safely.
Long list of coverage options
Local auto insurance agents
AM Best financial strength rating of A+ (Superior)
Available in only 19 states
Fewer additional coverages available
No teacher-specific coverages
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.2 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $79/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $146/mo |
GEICO's score | Industry average | |
|---|---|---|
| Coverage options | 4.0 | 3.2 |
| Customer service | 4.1 | 3.6 |
| Discounts | 3.9 | 2.9 |
| Policy transparency | 4.0 | 3.1 |
| Value | 3.8 | 2.9 |
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
While GEICO doesn’t offer a specific car insurance discount for teachers, you may qualify for one if you join certain educational or professional organizations. For example, if you’re a member of the California Association for the Education of Young Children or your college alumni association, a discount may be available.
You can also take advantage of a variety of other discounts, like a new vehicle or clean driving record discount.
Local agents in all 50 states
High J.D. Power rating for digital auto insurance experience[2]
A+ rating with the Better Business Bureau (BBB)
Fewer add-ons than other insurers
1.4 out of 5 stars on Trustpilot
No teacher-specific coverages
| User Reviews | NR |
|---|
Founded in 1914, California Casualty offers specialized car insurance products to groups that serve communities, like law, healthcare professionals, and educators. If someone hits or vandalizes your car while parked at school or damages your windshield, the company will waive your deductible.
You’ll also get $500 in personal property damage coverage, up to $1,000 in pet injury coverage with no deductible, and up to $2,000 in custom equipment coverage.
Variety of car insurance discounts
Optional towing and roadside assistance
Guaranteed repair network for quality repairs
Available in only 7 states
Not rated by J.D. Power
Limited add-ons
COUNTRY Financial offers the cheapest car insurance rates for teachers, according to Insurify data. But your rates may vary based on where you live, the type of car you drive, your driving history, and more. That’s why it’s always important to compare quotes from at least three to five insurers before choosing your next policy.
Here, you can see the average liability rates for teachers from many of the nation’s leading insurance companies.
Insurance Company | Average Monthly Quote for Teachers |
|---|---|
| COUNTRY Financial | $65 |
| USAA | $75 |
| State Farm | $78 |
| Allstate | $107 |
| GEICO | $110 |
| American Family | $116 |
| National General | $125 |
| Nationwide | $136 |
| Root | $139 |
| Travelers | $140 |
| The General | $144 |
| Bristol West | $150 |
| Farmers | $154 |
| Liberty Mutual | $163 |
Each car insurance company outlines who qualifies for its teacher discounts and benefits.
In most cases, you’ll be eligible if you’re a:
K–12-level teacher
K–12 administrator
K–12 support staff member
Professor at a public or private university, college, or vocational school
Documentation requirements vary, but most insurers will likely ask you to prove your occupational status with a school ID, pay stub, National Education Association (NEA)/state union membership card, or teaching certificate.
Even if you don’t qualify for a teacher discount, you can still find affordable car insurance as a teacher or educator. Here are several tips to help you lock in the lowest premiums:[3]
Shop around. Get insurance quotes from at least three to five different car insurance companies so you can zero in on the best deal.
Bundle coverage. You may save money and land special rates on your insurance premiums if you bundle your auto policy with your home insurance or renters insurance, for example.
Look for other discounts. Car insurance companies usually offer a variety of discounts in addition to teacher-specific discounts. These discounts could include bundling, new car, defensive driver, multi-car, and more. Discounts for NEA members might be available, too.
Maintain a clean record. If you practice safe driving and avoid traffic violations like speeding tickets and at-fault accidents, you can land cheaper rates and qualify for more available discounts than someone who has an incident on their driving record.
Check quotes from 120+ top insurance companies
Follow these steps to take advantage of a teacher auto insurance discount:
Make sure you qualify. Once you find a teacher discount, check the car insurance company’s website to make sure you’re eligible. You can also contact an insurance agent or the insurer directly to check.
Gather documentation. Most insurers will ask you to prove you’re a teacher or related professional. That’s why it’s a good idea to have your pay stub, teacher ID, or other proof of employment handy.
Ask for the discount. Since teacher discounts aren’t usually automatic, let the auto insurance company or agent know that you want to claim a discount. They can inform you of any additional steps.
If you’re a teacher or educator who wants a more affordable auto policy, the following information can help answer your remaining questions about teacher discounts.
No. Not all car insurers provide teacher discounts. But some insurers, like Liberty Mutual, Horace Mann, and COUNTRY Financial, offer discounts for teachers. If you’re unsure of whether a company offers a teacher discount, check their website or reach out to them directly.
Car insurance savings opportunities for teachers vary by insurance company and location. COUNTRY Financial, for example, offers a teacher discount of up to 15%, but it’s only available in some states.
Yes. Substitute teachers may be eligible for car insurance discounts. If you’re a substitute teacher, you might need to show your school ID or pay stub to prove your profession and claim a discount.
Documentation requirements for teacher discounts vary by insurer, but most companies will ask for proof of employment. You can usually show your school ID, pay stub, or teaching certificate.
It depends. Some insurers offer car insurance discounts for K–12 teachers and professors. If you’re a professor, you’ll need to do some research to find an insurer with relevant discount opportunities, such as Alfa Insurance.
It’s possible. It might make sense to switch car insurance companies to get a teacher discount. Horace Mann says educators who take advantage of its auto coverage could save $877 per year on their policy.
The best car insurance for teachers varies and depends on factors like your state and personal preferences. If you prefer a dedicated teacher discount, COUNTRY Financial might be a good fit. But if you’d be better off with deductible waivers, you might want to consider Horace Mann or Liberty Mutual.
Insurify data scientists analyzed more than 250 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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4+ years writing insurance and personal finance content
MBA from Roosevelt University
Featured in
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Featured in
30+ years in financial services
Clinical Professor of Finance, University of San Diego
7+ years experience in data analysis
Ph.D. in Computational Biology
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
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