Best Car Insurance Rates and Discounts for Teachers (2025)
If you’re a teacher, you might qualify for exclusive discounts on your car insurance coverage.
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Written byJess Ullrich
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Más de 10 años escribiendo sobre seguros y finanzas personales
Ex editora asociada de finanzas de Investopedia
Jess es experta en seguros, banca y otros temas de finanzas personales. Sus artículos han aparecido en numerosos medios de comunicación web, como Investopedia.
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Edited byKatie Powers
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Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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Reviewed byDaniel Roccato
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30+ years in financial services
Clinical Professor of Finance, University of San Diego
Dan is a well-recognized and widely quoted financial services expert, regularly appearing in a variety of national and local media as a subject matter expert.
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Data reviewed byKonstantin Halachev
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7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
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Table of contents
Table of contents
Many insurance companies offer discounts that can help lower your premiums. Some companies offer special discounts or deductible waivers for teachers at the K–12 level or for college and university professors.
On average, U.S. teachers pay around $199 per month for full-coverage car insurance, which is less than the national average of $210. Educators also pay lower rates for liability-only insurance, at around $98 per month compared to the national average of $103.
Here’s what you need to know about finding cheap car insurance as a teacher, including available discounts, how to compare quotes, and more.
Quick Facts
Examples of special teacher discounts include discounts between 10% and 50% and $0 deductibles for qualifying covered events. Specifics and availability vary by company.
COUNTRY Financial, Auto-Owners, and USAA have the cheapest liability insurance in the U.S., on average.
Maintaining a clean driving record, bundling your coverage, and increasing your deductible can help you lower your insurance rates.
Cheapest car insurance for teachers
If you’re an educator searching for cheap car insurance, the following companies offer some of the cheapest car insurance for U.S. drivers. Compare average liability-only insurance rates below.
The below rates are estimated rates current as of: Thursday, June 5 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Average Quote: Liability Only |
|---|---|
| COUNTRY Financial | $18 |
| Auto-Owners | $34 |
| USAA | $48 |
| State Farm | $55 |
| NJM | $56 |
| Mile Auto | $62 |
| Allstate | $63 |
| American Family | $71 |
| Erie | $78 |
| Root | $85 |
| CSAA | $86 |
| Nationwide | $87 |
| Safeco | $91 |
| Mercury | $91 |
| Travelers | $93 |
| Commonwealth Casualty | $98 |
| Dairyland | $99 |
| National General | $100 |
| Direct Auto | $100 |
| The General | $103 |
| Progressive | $104 |
| Farmers | $108 |
| Bristol West | $109 |
| State Auto | $112 |
| 21st Century | $115 |
| Chubb | $116 |
| GAINSCO | $122 |
| GEICO | $127 |
| Elephant | $129 |
| Clearcover | $132 |
| AssuranceAmerica | $142 |
| The Hartford | $153 |
| Shelter | $155 |
| Infinity | $160 |
| Liberty Mutual | $177 |
| Hugo | $207 |
| Amica | $266 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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Companies with car insurance discounts for teachers
While the above insurers offer affordable liability-only coverage, some companies also provide teacher-specific discounts. Keep in mind that the best company for you will offer the coverage you need at a price you can afford.
Even if a company has a professional discount, you might be able to find cheaper coverage elsewhere. That’s why it’s essential to get quotes from different car insurance companies to find a budget-friendly auto insurance policy.
To help you compare your options, here are some of the top auto insurance companies offering educator discounts.
| User Reviews | 3.6 |
|---|---|
| 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. | 8.8 /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. | $18/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. | $39/mo |
3.6
A solid optionBased on 48 verified guest reviews and ratings
How drivers feel about Country Financial
Customers appreciate the prompt claims service and personal touch but are frustrated by the constant rate increases and lack of discounts.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Good claims process
High customer satisfaction
How drivers feel about Country Financial
Customers appreciate the prompt claims service and personal touch but are frustrated by the constant rate increases and lack of discounts.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Good claims process
High customer satisfaction
Reviews (30)
Nan
March 30, 2025
Verified Review
Good
I would like my representative to return my calls. My coverage has been average.
Donna
March 12, 2025
Verified Review
Ok
The policy is good, but it's too pricey.
Ida-Marie F
December 16, 2024
Verified Review
Good Company
They are honorable and pay our claims promptly.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
868NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.44A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A+Why we picked this company
Discount: Up to 10%
COUNTRY Financial is clear about how much you can save if you’re a teacher. Full-time K–12 educators can earn up to 10% off their car insurance premiums.
This discount can help you keep more money in your pocket, though availability may vary by state. Teachers in Alaska, Georgia, and Tennessee aren’t eligible for a discount from COUNTRY Financial.[1]
Pros
Generally positive customer reviews
Unique discounts available
Often has lowest available rates
Cons
Not available in every state
Doesn’t offer rideshare insurance
Doesn’t offer online quotes
| 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 /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. | $127/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. | $155/mo |
4.0
Best choiceBased on 11,939 verified guest reviews and ratings
How drivers feel about GEICO
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.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
How drivers feel about GEICO
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.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
Reviews (6,421)
William
June 10, 2025
Verified Review
There was no problem. If I had a problem or a question, it was rectified. Howard, who was our service representative, was helpful. My son is the reason I don't have it now.
There was no problem. If I had a problem or a question, it was rectified. Howard, who was our service representative, was helpful. My son is the reason I don't have it now.
Peter
June 8, 2025
Verified Review
Average Insurance. Constant Price Hikes.
Beware of the constant price hikes despite having no accidents or tickets for 40 years.
Philip
June 5, 2025
Verified Review
High Price for Full Coverage
They are good but offer no rate deductions.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
835NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.59A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
Discount: Not disclosed
GEICO offers discounts to professionals affiliated with certain groups, some of which are for educators at the K–12 and university levels. For example, GEICO offers a special discount for Howard University alumni association members, faculty, and staff.
If you know you belong to a school-related organization or professional education group, you can search for it on GEICO’s Membership Discounts page.[2]
Pros
Good rates for good drivers, seniors, and young drivers
Accident forgiveness available
A+ (Superior) financial strength rating from AM Best
Cons
High rates for drivers with certain violations, like DUIs
No rideshare or new car replacement coverage available
Lower customer satisfaction scores from J.D. Power
| User Reviews | 3.6 |
|---|---|
| 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. | 7.7 /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. | $177/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. | $247/mo |
3.6
A solid optionBased on 3,007 verified guest reviews and ratings
How drivers feel about Liberty Mutual
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.
AI-generated from the text of verified reviews collected by Insurify
Best For
Numerous discounts
New and financed vehicles
Accident forgiveness
How drivers feel about Liberty Mutual
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.
AI-generated from the text of verified reviews collected by Insurify
Best For
Numerous discounts
New and financed vehicles
Accident forgiveness
Reviews (1,729)
Barbara
June 6, 2025
Verified Review
Great
Very good, easy to get answers, and got the best price available.
Edward
June 3, 2025
Verified Review
Expensive Liberty Mutual
I haven’t had any direct experience with them, though the premium I am paying is too high.
Samuel
May 30, 2025
Verified Review
Dump Liberty
They increased my rates and overcharged me.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
819NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
4.28A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
AWhy we picked this company
Discount: $0 deductible for certain covered incidents
Liberty Mutual doesn’t offer a percentage-based discount on car insurance for teachers. Instead, it has exclusive teacher auto insurance coverage with built-in savings and perks.[3] This coverage can include vandalism loss protection with a $0 deductible that covers your vehicle while on school property.
The company also offers collision coverage with a $0 deductible for collision damage while driving on school business. You can also get up to $2,500 in personal property coverage per occurrence for damaged or stolen teaching materials or school-owned property you stored in your car.
Liberty Mutual offers auto insurance in all 50 states, but its website indicates that teacher auto insurance isn’t available in all areas.
Pros
Wide range of available discounts
Accident forgiveness available
Available in all 50 states and D.C.
Cons
Many negative reviews and customer complaints
Premiums are relatively high compared to industry average
Low customer satisfaction scores from J.D. Power
Horace Mann
Discount: Not disclosed
Horace Mann, a financial services company dedicated to helping educators, offers a professional discount for teachers and administrators who want to reduce their auto insurance costs. The insurer doesn’t provide information about discount specifics or amounts.
Still, it could be worth considering a Horace Mann auto policy if you’re a teacher in one of the 45 states where this insurer does business. Educators in Hawaii, Kentucky, Mississippi, New Jersey, and New York will need to look elsewhere.
Meemic
Discount: Up to 50%
Meemic Insurance Company — an AAA-affiliated company — exclusively provides home and auto coverage for educators and other school employees in Illinois, Michigan, Wisconsin, and Georgia.
The company has a newly certified teacher discount for the first seven years following your initial certification. And the company says retired teachers can earn up to 50% off on vehicle coverage. Specifics may vary by state.
Cheapest recent rates
Drivers have found policies from State Farm, Mile Auto, Safety Insurance, and more, for rates as low as $36/mo. through Insurify
*Quotes generated for Insurify users within the last 10 days. Last updated on June 11, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from June 11, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users within the last 10 days. Last updated on June 11, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from June 11, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Tips for teachers to get cheaper car insurance rates
Even if you don’t qualify for a dedicated teacher discount or deductible waiver, you can find cheap car insurance rates. Here are some helpful strategies for getting the best rates:
Compare rates. The best way to find cheap coverage is to compare rates from different companies. This process could save you hundreds in car insurance costs annually. Many insurance companies offer online quotes, making it easy to get insight into your rates. Or, you can use an insurance-comparison site to compare multiple quotes at once.
Look for other auto insurance discounts. Many auto insurers offer several discounts. You can get discounts for bundling multiple insurance products, maintaining a good driving record, insuring multiple cars, owning a home, and more. Explore other discounts for additional savings.
Focus on maintaining a clean record. Your driving record can affect your insurance rates significantly. People with a clean record typically get lower rates, while drivers with a history of at-fault accidents, speeding tickets, or other incidents have higher insurance rates. Abide by the rules of the road and be alert when you’re behind the wheel to keep your insurance prices low.
Increase your deductible. Opting for a higher car insurance deductible could result in lower monthly premiums. If you’re comfortable with paying more in the event of a covered claim, ask your insurance company if you can increase your deductible.[4]
Car insurance for teachers FAQs
If you’re an educator who wants more affordable auto insurance, the following information can help answer your remaining questions about coverage and discount options.
Do teachers get cheaper insurance?
It’s possible you could get cheaper car insurance if you’re a teacher. Many auto insurers offer special benefits and discounts for educators, though your insurance rates will depend on several factors unrelated to your profession.
Insurers will consider your location, driving history, vehicle type, annual mileage, gender, and age when determining the cost of your coverage.
Does GEICO have a teacher discount?
Not specifically. GEICO doesn’t offer a general teacher discount, but it may offer one if you belong to a certain educational organization. For instance, members of the California Association for the Education of Young Children and Howard University alumni association members, faculty, and staff are eligible for a discount.
Does Progressive have a teacher discount?
No. Progressive doesn’t offer a teacher discount for car insurance. The company does offer several other discounts, including multi-policy, good driver, homeowner, and multi-car discounts.
What is the cheapest car insurance for teachers?
State Farm, GEICO, and Allstate all offer affordable car insurance coverage for teachers. But your insurance costs will vary depending on several things, including your driving history, age, location, the type of car you drive, and your gender.
Seeking out insurers that offer special discounts for teachers or other easy-to-get discounts can help you get cheaper coverage.
Methodology
Insurify data scientists analyzed more than 90 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:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
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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Sources
- COUNTRY Financial. "Car Insurance Discounts for Teachers."
- GEICO. "GEICO Membership Discounts."
- Liberty Mutual. "Teachers' Auto Insurance."
- Insurance Information Institute. "How to save money on car insurance."
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Jess UllrichInsurance Writer
Jess is a personal finance writer who's been creating financial and business content for over a decade. Her work is published on Investopedia, MoneyWise, NextAdvisor, The HuffPost, and more. Prior to freelancing full-time, Jess was an editor at Investopedia, The Balance, and FinanceBuzz. Connect with her on LinkedIn.
Jess has been a contributor at Insurify since September 2022.
Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
Featured in
30+ years in financial services
Clinical Professor of Finance, University of San Diego
Dan is a well-recognized and widely quoted financial services expert, regularly appearing in a variety of national and local media as a subject matter expert.
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.