Educating young minds is of the utmost importance, and it requires hard work and dedication that should be rewarded. Teachers deserve more than apples on their desks as a thank you. That’s why some car insurance companies offer special discounts on premiums for teachers. It’s a way for insurance providers to recognize teachers for their efforts in the community. 

Certain professions are known to employ safer drivers, and the field of education is one of them. As such, many car insurance providers consider teachers to be a lower risk to cover than the average driver. Different insurance companies weigh risk differently, so some will have better incentives for teachers than others. 

That’s why it’s important to compare personalized rates for auto insurance. With Insurify, you’ll be able to see which discounts are available to you from different companies based on your occupation and other factors. 

You’ll just need to enter some information about yourself, your vehicle, and your driving history to get started. From there, you’ll be able to compare auto insurance policies, so you can get the coverage you need at the cheapest possible rate.

Car Insurance Companies That Give Discounts to Teachers

Teachers’ Auto Insurance Teacher Discounts Perks for Teachers States Available
Liberty Mutual
  • Up to 12 percent savings on annual premiums
  • $0 deductible if your vehicle is vandalized on school property or during school-related events ($100 in PA).
  • Coverage of up to $2,500 per occurrence of stolen or damaged teaching materials or school property.
  • $0 deductible for collision coverage when driving for business ($100 in PA)
All
Horace Mann
  • Educator discount
  • School Administrator Association Member discount
Educator Advantage package at no additional cost, which includes:

  • $0 deductible for vandalism and collision claims on school property or during school events, and for collision claims with another vehicle insured by Horace Mann.
  • Liability coverage when transporting students.
  • Up to $1,000 in personal property coverage for teaching materials damaged or stolen from your car.
Contact an agent for details in your state
California Casualty
  • NEA members save an average of $423 per year
  • $0 deductible if your car is hit or vandalized while on school property or at an administrative or education association office.
  • Coverage automatically extends to other drivers and other vehicles.
  • $0 deductible for collisions with an uninsured motorist or another vehicle covered by California Casualty.
  • $500 personal property coverage.
All (except Alaska, Hawaii, Massachusetts, Michigan, New York, and Wisconsin)
Meemic
  • Savings of up to 35 percent
  • Newly certified teacher discount
  • $0 deductible for comprehensive covered losses occurring on school property.
  • Liability coverage for transporting students.
Illinois, Michigan, Wisconsin, and Georgia
Geico
  • Discounts for members of certain educational organizations
  • Varies
All
Farmers
  • 4 percent discount, where available
  • Varies
All
Plymouth Rock
  • Special quotes for teacher insurance in New Jersey
  • $0 deductible for accidents on school property.
  • Up to $1,000 coverage for school property damaged or stolen from your vehicle.
New Jersey

Note that the availability of discounts can vary from state to state, and your auto insurance rates will depend on a number of factors. While your occupation can help you snag some great discounts, other factors could negatively impact your rates, such as your credit score and driving history. You also might qualify for additional discounts that could save you even more than the average teacher. 

To find the best car insurance for you, use Insurify to compare personalized car insurance quotes

Cheapest Car Insurance Quotes for Teachers 

The easiest way for teachers to find the best auto insurance discounts is to compare car insurance rates from different providers. But this process is easier than it sounds. 

With Insurify, you can view the details and rates for multiple insurance plans in one place, rather than spending hours submitting your information to individual insurers. We’ll ask you to provide some information (including your profession) to get started. Next, we’ll compile free quotes from multiple auto insurance companies, so you can make an informed decision. 

Other Ways to Save

Besides being a teacher, there are other ways you can get lower rates from many car insurance companies. You can stack up the savings with as many discounts as you qualify for. Here are some common ways to save:

  • Bundle your auto insurance with another policy, like your homeowners insurance (some homeowners policies provide discounts for teachers as well)
  • Practice safe driving habits. A clean record can go a long way in reducing your premium. Some companies even use technology to monitor your driving habits and give you discounts if you meet certain standards. 
  • Drive less. If you’re able to cut down on your mileage, you may qualify for a lower rate. This may require a mileage tracking device. 

Take advantage of payment discounts. Some insurance companies will offer you a small discount if you pay upfront, make automatic payments, or choose to go paperless. 

There may be other discounts available for factors you can’t readily control, like your marital status and age. Using a comparison tool like Insurify will help you narrow down your options based on which companies offer you the most savings.

Car Insurance for Teachers: Frequently Asked Questions

What car insurance companies give teachers discounts?

Auto insurance providers that have a teacher discount include: Alfa, California Casualty, GEICO, Farmers, Horace Mann, Liberty Mutual, Meemic, Plymouth Rock

Who is eligible for teachers’ insurance?

That depends on the company. For some insurers, only full-time teachers are eligible. For others, school administrators, support staff, and substitute teachers qualify for discounts.

How can teachers find the cheapest car insurance?

The best way for teachers to find the cheapest car insurance is to compare rates across multiple insurance providers. It’s fast and free to see customized quotes with Insurify. Enter your information just once, and you’ll have access to rates from multiple insurers, so you can find the perfect match for you.

Updated June 30, 2020

Lindsay Frankel is a Denver-based personal finance writer for Insurify. Her work has been featured in publications such as LendingTree and FinanceBuzz. When she's not writing, you can find her enjoying the great outdoors with her rescue pup, playing music, or listening to audiobooks.