Best Car Insurance for Teachers (2022)

Charlie Mitchell
Written by
Charlie Mitchell
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Written by
Charlie Mitchell
Insurance Writer
Charlie Mitchell is a journalist, researcher, and writer specializing in personal finance subjects. He holds a degree from Middlebury College. His work can be found in Vox, Mother Jones, The New Republic, and other publications. Charlie uses his expertise in home, renters, and auto insurance subjects to help inform people to make better financial decisions. Connect with Charlie on LinkedIn.
Jackie Cohen
Edited by
Jackie Cohen
Photo of an Insurify author
Edited by
Jackie Cohen
Editorial Manager
Jackie Cohen is an editorial manager at Insurify specializing in property & casualty insurance educational content. She has years of experience analyzing insurance trends and helping consumers better understand their insurance coverage to make informed decisions about their finances.Jackie's work has been cited in USA Today, The Balance, and The Washington Times.
Amber Benka
Reviewed by
Amber Benka
Icon of a woman
Reviewed by
Amber Benka
Licensed Insurance Agent
Amber Benka is a licensed insurance agent specializing in auto, home, commercial, life, and health insurance.

Updated June 15, 2022

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Why you can trust Insurify

Insurify is America's highest-rated insurance comparison platform. We partner with the nation's top insurance companies and are licensed as an agent in all 50 states. However, the insurance experts writing our content operate independently of our partners, and you can learn more about how we make money by viewing our advertising disclosures. Also check out reviews from over 3,000 satisfied customers, our data methodology, and our editorial standards.

Teachers are always told they’re special and important—but how can they reap the benefits of all this gratitude? Well, in some states and with certain companies, they can get cheap auto insurance just for being teachers! It doesn’t come close to a big enough thank you, but it’s a start.

But like making your way through a stack of papers to grade, hunting for insurance quotes and auto insurance discounts can feel stressful and time-consuming. That’s why we made Insurify, to compare auto insurance rates that are tailored to you. We’ll find you special teacher discounts, too!

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Quick Facts

  • The average monthly car insurance premium for teachers is $195.

  • The cheapest insurer we found for teachers on average is Metromile, with average rates of $74 per month.

  • Teachers can often save on car insurance through membership-based discounts.

Cheapest Car Insurance Companies for Teachers

When you’re paying fewer than $100 per month for a car insurance policy, you know you’re getting cheap auto insurance. Metromile and Farmers have those super-low insurance rates, and that’s just the beginning:

Insurance CompanyCheapest Monthly Quote
Metromile$74
Farmers$97
Kemper$126
Amigo USA$140
Travelers$150
Elephant$153
Clearcover$155
National General$161
AssuranceAmerica$177
Nationwide$178
Bristol West$214
Liberty Mutual$228
Dairyland$244
The General$293
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

See More: Car Insurance Quotes

How much does car insurance cost for teachers?

How much do teachers pay for car insurance?

The average rate for car insurance for teachers across all 50 states is $195 per month. However, costs are highly variable from state to state, and it’s always a good idea for teachers to check if their insurance provider offers a teacher discount.

Lots of insurance companies offer special discounts to teachers. But in general, educators also happen to be a group of safe drivers with clean driving records. So even without a special discount, you’re likely to be offered solid car insurance quotes and shouldn’t settle for anything less than the best car insurance!

Car insurance premiums for teachers vary highly by state. According to Insurify’s proprietary database, teachers were quoted an average of $195 per month across all 50 states. Some companies offer special perks for teachers, like roadside assistance and reduced or waived deductibles. That’s nice and all, but it’s best to find a company that provides teacher discounts.

See More: Best Car Insurance Companies

Best Car Insurance Discounts for Teachers

For cheap car insurance coverage, check out these special discounts just for educators from insurance companies large and small. If you’re driving to or from school-related events or on school property and you’re involved in an accident, lots of companies will waive your collision deductible. And if teaching materials get damaged or stolen, you can be better protected.

Liberty Mutual

Liberty Mutual offers a variety of discounts and perks such as:

  • $0 deductible for collision coverage on school business and vandalism protection on school property

  • Personal property coverage for materials damaged or stolen on school property

  • Discounts in some states

Liberty Mutual is available in all states, however, discounts for teachers may vary from state to state.

Farmers

Farmers is a great option for teachers as they offer a discounted rate on insurance premiums for teachers. Farmers is available in all states, although discounted rates for teachers may vary from state to state.

California Casualty

California Casualty offers many perks for teachers and can be a great option for teachers who want to save on their car insurance premiums. California Casualty offers:

  • $0 deductible for collision coverage on school property or an education association office

  • $0 deductible for collision with uninsured motorists

  • Coverage automatically includes other drivers and vehicles in your household

California Casualty is available for drivers in all states except for Alaska, Hawaii, Massachusetts, Michigan, New York, and Wisconsin.

Horace Mann Insurance

Horace Mann Insurance offers special teacher-specific insurance (Educator Advantage) with lots of benefits and special discounts. You can call an insurance agent to find out if you qualify in your state.

Meemic

Although Meemic is only available in Georgia, Illinois, Michigan, and Wisconsin, it is a great option for those working in education because it offers a special rate to teachers. Note that with Meemic, that exact special rate will vary between available states.

GEICO

GEICO will offer discounts for some educational professional associations and is available in all states, although discounts may vary between states.

See More: Cheap Car Insurance

Tips for Cheaper Car Insurance for Teachers

When you have the special status of an educator, insurance companies are ready to offer you insurance products and rates to help you save money. Here’s how to save money that you deserve to spend on your summers and weekends.

Always Mention You’re a Teacher

Insurance providers love to hear that you’re an educator when setting your auto insurance rates. It helps convince them you’re safe, and you never know what discounts and special car insurance rates might be waiting for you. They’re not always well advertised. Unlike other jobs, being a teacher can help reduce your car insurance rates.

Ask Your Union If There’s a Deal for You

Unions that represent groups of educators sometimes have partnerships that help their members secure very low car insurance rates. California Casualty is one such insurance provider that offers special coverage to NEA (National Education Association) members.

Combine with Home Insurance

If they have homeowners or renters insurance, lots of educators can stack up discounts by bundling their policies up with a teacher-friendly insurance company. This is a great way to save on all your insurance policies, whether or not you’re an educator.

Shop Around for Car Insurance

By far, the most important step to take to find affordable car insurance is to do the work of getting quotes from as many insurance companies as you can. But what a pain! Enter Insurify. We’ll take your educator status into account and find you free auto insurance quotes from all the important insurance companies in your area.

See More: Best and Worst Sites to Compare Car Insurance

Cheapest States for Car Insurance for Teachers

We compiled this table to let you know where teachers pay the cheapest insurance premiums so you know what to expect.

StateCheapest Monthly Quote for Teachers
Hawaii$102
Vermont$108
Idaho$117
New Hampshire$119
Maine$126
North Carolina$127
Ohio$134
Indiana$137
Illinois$142
Montana$144
New Mexico$145
Iowa$146
Minnesota$147
Wisconsin$151
Massachusetts$154
Tennessee$156
Kansas$158
South Dakota$162
Utah$162
Virginia$163
Wyoming$166
Oregon$168
Oklahoma$173
Pennsylvania$174
Alaska$176
Arizona$183
Nebraska$183
California$190
Arkansas$196
Mississippi$196
Washington$199
West Virginia$204
Colorado$211
Missouri$222
Connecticut$227
Texas$228
Kentucky$230
New Jersey$234
Washington, D.C.$241
Florida$251
Maryland$258
South Carolina$258
Delaware$270
Georgia$295
Louisiana$299
Rhode Island$305
Nevada$308
New York$308
Michigan$400
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

The Best Way to Compare and Get Cheaper Car Insurance

Whatever you do for work, you need auto insurance to drive in the United States—and that can cost some serious money. Finding auto insurance discounts can change your monthly budget—it just takes some shopping around. Head to Insurify, and you can get free insurance quotes, personalized to you, in just a few minutes. You could save money—a lot of it.

Frequently Asked Questions

  • The cheapest car insurance policies for teachers come in under $100 per month. If you have a good credit score and clean driving record, you’re in for some of the cheapest rates on the auto insurance market. Average rates across 50 states came in at $195 per month, according to Insurify.

  • Liability coverage is necessary for all drivers, but the car insurance rates you end up paying can vary highly. Teachers have the chance to enjoy cheap car insurance just by being teachers, which auto insurance companies consider to be a reliable and safe group of drivers. There are also many discounts and special partnerships for educators—make sure you look around.

  • Teachers work too hard for too little. They deserve the best and cheapest car insurance quotes out there! Here’s how you get that: go to Insurify and enter your information—tell us you’re an educator for your occupation—and in just a few minutes you’ll have a solid list of free quotes. You’ll be on your way to that perfect policy.

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  • Data scientists at Insurify analyzed over 40 million auto insurance rates across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. With these insights, Insurify is able to offer drivers insight into how their car insurance premiums are priced by companies.

Charlie Mitchell
Written by
Charlie Mitchell
Linkedin

Insurance Writer

Charlie Mitchell is a journalist, researcher, and writer specializing in personal finance subjects. He holds a degree from Middlebury College. His work can be found in Vox, Mother Jones, The New Republic, and other publications. Charlie uses his expertise in home, renters, and auto insurance subjects to help inform people to make better financial decisions. Connect with Charlie on LinkedIn.

Learn More
Jackie Cohen
Edited by
Jackie Cohen
Linkedin

Editorial Manager

Photo of an Insurify author
Edited by
Jackie Cohen
Editorial Manager
Jackie Cohen is an editorial manager at Insurify specializing in property & casualty insurance educational content. She has years of experience analyzing insurance trends and helping consumers better understand their insurance coverage to make informed decisions about their finances.Jackie's work has been cited in USA Today, The Balance, and The Washington Times.
Amber Benka
Reviewed by
Amber Benka

Licensed Insurance Agent

Icon of a woman
Reviewed by
Amber Benka
Licensed Insurance Agent
Amber Benka is a licensed insurance agent specializing in auto, home, commercial, life, and health insurance.