Best Car Insurance for Teachers - Quotes and Discounts (2023)

Teachers may be eligible for various car insurance discounts. But not all car insurance providers offer this, and discounts and savings may vary based on several factors.

Updated December 21, 2022

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Many factors affect how much you’ll end up paying for your car insurance premium. One factor that may not be as obvious is your occupation. Some occupations, like teaching, for example, may qualify for special discounts offered by insurers.

Car insurance company Horace Mann claims its research shows that educators are better drivers, while Liberty Mutual offers teachers discounts as a way to support the community. Insurify’s research found that the monthly cost of insurance for teachers is $107 to $303, with an average of $186. Here’s what you need to know about the best car insurance for teachers.

Best cheap auto insurance for teachers

The car insurance rates teachers qualify for can vary based on state, driving history, gender, and credit score. Not all insurers provide occupational discounts for teachers on car insurance, but many of them do.

“​​When it comes to car insurance, teachers may be able to get better deals than other drivers. A driver’s profession is considered by certain insurance companies, while others provide special savings to teachers,” says Jennifer Croslin, a car insurance broker in Littleton, Colorado, and owner of Starlight Insurance Agency. “Insurers have been responding to the unique demands of [educators] by doing things like eliminating deductibles for damage that occurs on school premises, along with some other useful benefits.”

We’ve compiled data from various auto insurance companies on the average monthly cost of liability insurance for teachers. Liability coverage is typically the state-required minimum coverage and helps cover costs for the other party in the event of an accident.

Among the top cheapest car insurance companies for teachers, Travelers offers the lowest-cost insurance, at $107 a month on average. Other cheap car insurance coverage for teachers includes policies from Safeco at $108 a month on average, National General at $121 a month on average, and Clearcover at $128 a month on average. Hallmark ranks the highest, at $303 per month.

These average rates are based on liability coverage, which has limited benefits. Comprehensive and collision coverage offer additional protections for drivers and generally come with higher premiums.

Insurance CompanyAverage Monthly Cost
National General$121
Kemper Specialty$150
Midvale Home & Auto$168
Liberty Mutual$201
Freedom National$202
Bristol West$206
Direct Auto$209
The General$275
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Read More: Cheap Car Insurance for 2022

Cheapest car insurance for teachers by state

Aside from driving history, the state where you live can also affect your car insurance rates. Car insurance prices are about assessing the level of risk to which drivers are exposed. Certain states and cities may have a higher population density, which could increase the likelihood of an accident.[1] Additionally, weather patterns in the state could affect risk levels as well. So while teachers may receive car insurance discounts, other factors will determine their overall rate.

In the chart below, we’ve compiled data on the most affordable liability insurance policies for teachers by state.

These monthly liability costs run as low as $51 on average in New Hampshire and go up to $651 on average in Michigan. Michigan is a no-fault state, and its average cost for teachers car insurance is 71% higher than the $186 average.

StateAverage Cost for Liability
Washington, D.C.$269
North Carolina$115
New Hampshire$51
New Jersey$262
New Mexico$124
New York$355
Rhode Island$554
South Carolina$232
South Dakota$225
West Virginia$213
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Best car insurance providers for teachers

Although every state has its own minimum insurance requirements, you may want more protection. Drivers can get full coverage, which refers to having comprehensive and collision coverage as well as liability coverage. In other words, drivers are protected in more situations.

Mile Auto offers the cheapest full-coverage car insurance, with a $133 monthly average. Other cheap car insurance companies for teachers include Anchor and Travelers, which offer $154 and $158 monthly averages, respectively.

Insurance CompanyAverage Full-Coverage Cost
Mile Auto$133
National General$179
Plymouth Rock$183
Direct Auto$196
State Auto$201
Midvale Home & Auto$237
Kemper Specialty$237
Liberty Mutual$252
Bristol West$267
Commonwealth Casualty$323
The General$336
Freedom National$400
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Check Out: The 10 Best Car Insurance Companies (2022)

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Which companies offer car insurance discounts for teachers?

You may be able to get discounted car insurance for teachers baked into the quote you get from an insurance provider. But some auto insurance companies have specific teacher discounts. Here are three companies that offer car insurance discounts for teachers:

1. Liberty Mutual

Liberty Mutual advertises teachers’ auto insurance that includes discounts and extra perks.

These benefits include vandalism loss protection if something happens to a teacher’s vehicle while on school premises or during school activities. In this case, teachers get a $0 deductible.

Teachers also get a $0 deductible if they get into a collision while performing school-related business. Plus, educators get up to $2,500 in coverage for personal property if any teaching materials are damaged in or stolen from the car.

2. Horace Mann

Auto insurance company Horace Mann is unique in that it was created by educators and serves educators, according to its website. The company claims it has found that teachers tend to make safer and better drivers, so it offers car insurance for teachers at competitive rates and includes discounts for teachers. These include:

  • An educator discount so you can score a lower rate for being a teacher

  • Multiline discount, which offers discounts for consumers who also have other insurance products with Horace Mann, including life insurance or property insurance

  • Multicar discount, where you may be eligible for discount car insurance by insuring multiple vehicles with the company

  • Association member discount, which is available to eligible members of education or school administration associations

  • Payroll discount, which is available to educators who sign up for premium deductions that come out of their paycheck

  • New customer discount, which is available to brand-new customers who make the switch

  • HMDrive® Premium Credit, which is available to certain drivers in some states for using the company’s safe driving mobile app

  • Other discounts as available, such as safe driving


Teachers who are part of certain education-based membership organizations may be eligible for a discount on an auto insurance policy with GEICO. Here’s a sample of some membership organizations that may qualify for discounted car insurance for teachers:

  • American Association of Community Colleges

  • American Association of School Administrators

  • Association of American Educators

  • Association of Teacher Educators

  • National Council of Teachers of English

  • National Council of Teachers of Mathematics

With all the discounts above, drivers in some states may not qualify, and the rate you get considers many different factors.

“Note that the availability of discounts may differ from state to state. Calling the insurer or contacting a local agent is your best bet for confirming the coverage,” says Croslin.

See Also: Car Insurance Information: Guides, Insights, and Tips

How teachers can save on auto insurance

Not all insurers provide special car insurance for teachers or specific teacher discounts. But you can reduce costs on a car insurance policy in a number of ways:

  1. See if you qualify for other discounts. Even if your insurer doesn’t offer teacher discounts available, you may qualify for other discounts. It doesn’t hurt to ask and see what’s available.

  2. Bundle insurance products. You may be eligible for a bundling discount if you secure multiple insurance products through a single provider.

  3. Keep safe driving practices in mind. A key way to keep rates low is to be a safe driver. This means wearing your seat belt, driving within posted speed limits, avoiding distractions like your cell phone, minding your surroundings, and more.

  4. Improve your credit score. Not every state uses your credit rating as part of your car insurance rate, but most states do. Making bill payments on time and using less than 30% of your available credit may help improve your credit rating.[2]

  5. Review multiple insurance providers. When looking for car insurance policies, review multiple quotes from different companies to see prospective rates and savings.

Car insurance for teachers FAQs

Here are answers to some commonly asked questions about car insurance for teachers.

  • The average car insurance for a teacher per month can vary based on many different factors. Insurify’s research found that the average monthly cost for liability insurance for teachers is $186.

  • Horace Mann is one of the top car insurance providers for teachers, as it offers various types of educator discounts. These options can help teachers maximize their discounts and minimize costs.

  • Liberty Mutual, Horace Mann, and GEICO are three of the leading car insurance companies that offer discounts for teachers. You may qualify by simply being an educator or based on membership with education organizations.

  • Teachers can get affordable car insurance by looking at providers that offer discounts for educators. To get cheap car insurance, teachers can compare multiple options, continue to drive safely, and monitor their credit. Online comparison tools offer an easy way to compare options, which can help save you time in the process.

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  • Data scientists at Insurify analyzed more than 40 million real-time auto insurance rates from our partner providers 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. Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Service's database of auto insurance rates. With these insights, Insurify is able to offer drivers insight into how companies price their car insurance premiums.


  1. Insurance Information Institute. "Facts + Statistics: Auto insurance." Accessed December 12, 2022
  2. Experian. "What Affects Your Credit Scores?." Accessed December 12, 2022
Melanie Lockert
Melanie Lockert

Melanie Lockert is the founder of the blog and author of the book, "Dear Debt." Through her blog, she chronicled her journey out of $81,000 in student loan debt. Her work has appeared on Allure, Business Insider, Credit Karma, Fortune, and more. She is also the co-founder of the Lola Retreat and host of the Mental Health and Wealth show podcast. She lives in Los Angeles and enjoys jazz music, traveling, coffee, and spending time with her two cats and partner.