10+ years writing insurance and personal finance topics
Former associate finance editor for Investopedia
Jess is a subject matter expert in insurance, banking, and other personal finance topics. Her byline has appeared in numerous top web media, including Investopedia.
3+ years experience in insurance and personal finance editing
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
Konstantin HalachevVP of Engineering & Data Science
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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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, NJM, and Auto-Owners 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: Monday, July 1 at 12:00 PM PDT.
Konstantin HalachevVP of Engineering & Data Science
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.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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.
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.
$19/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.
$41/mo
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]
The rate was increased to $950 every three months. I called twice about getting a lower rate and was told they would call me back. They never did.
Linda - July 15, 2024
Verified
Great Customer Service
I have loved Country Financial, but my rates keep going up. I can get better prices elsewhere.
Brian - July 15, 2024
Verified
Great until complications arose...
Country's coverage was initially satisfactory, but they made it a full-time job to account for what I was covered for. I understand they needed a list of my losses after a home fire. I took 3 days off work to provide them with a list, which totaled over 50k. Then, they required receipts to replace those losses! I had to start buying replacements for the things I lost out of my own pocket. I only managed to purchase 18.6k worth of items and provide the receipts from my own resources. Then I was told, 'Oh, you need to match those receipts to our itemized list of your losses that you paid for?' I don't own a computer anymore and where I'm living now has no internet. How am I supposed to do this? I gave Country a 3-day report of my losses and they had me spending my OWN money to replace my losses! They initially covered me well, which is what I thought I paid for, but this deteriorated from there. Now, I'm not only dealing with over 50k in losses, but I'm also caught up in their replacement receipt scheme for over 15.6k out of my own pocket! Something is wrong and needs to be corrected!
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.
9.0/10
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.
$56/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.
$122/mo
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
Cons
High rates for drivers with certain violations, like DUIs
No rideshare or new car replacement coverage available
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.
$112/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.
$231/mo
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
Cons
Many negative reviews and customer complaints
Premiums are relatively high compared to industry average
Should Have Looked Harder Before Choosing Liberty Mutual
I wouldn't recommend Liberty Mutual to any of my friends. I've been with this company for almost three years, with no accidents or traffic violations since I got my car in April 2019. However, my rates keep going up, despite being 59 years old. I've been researching for better rates and when I find them, I plan to switch immediately.
Terry - July 22, 2024
Verified
Time for a Change
They increased the rate for no apparent reason, which is unacceptable.
Debra - July 22, 2024
Verified
Excellent
They are excellent, just checking options.
…
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 using Insurify have found quotes as cheap as $19/mo for liability only and $41/mo for full coverage.
*Quotes generated for Insurify users within the last 10 days. Last updated on July 25, 2024
Rates shown are real-time Insurify user quotes from 100+ 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 July 25, 2024. 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 July 25, 2024
Rates shown are real-time Insurify user quotes from 100+ 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 July 25, 2024. 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, car make and model, 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 50+ 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
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
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.
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.
Edited byKatie PowersAuto and Life Insurance Editor
Katie PowersAuto and Life Insurance Editor
Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
Konstantin HalachevVP of Engineering & Data Science
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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