Horace Mann Car Insurance Review for 2024 [Comprehensive Overview]

Our Horace Mann car insurance review highlights its top benefits for educators, including a 20% discount and the Educator Advantage program, which reduces or waives deductibles for on-campus incidents.

While Horace Mann offers cheap car insurance for teachers with clean driving records, young drivers and those with DUIs may face higher premiums. The company provides basic coverage options but lacks gap insurance.

Horace Mann Car Insurance Rating

Rating Criteria
Overall Score	4.1
Business Reviews	4.0
Claim Processing	3.3
Company Reputation	4.0
Coverage Availability	5.0
Coverage Value	3.8
Customer Satisfaction	3.6
Digital Experience	4.0
Discounts Available	5.0
Insurance Cost	4.1
Plan Personalization	4.0
Policy Options	3.8
Savings Potential	4.4

With discounts for good students and safe drivers, Horace Mann Educators Corporation is ideal for educators looking for car insurance savings.

However, it may not be the best choice for high-risk drivers. Always compare quotes to ensure you get the best rate.

Cost of Horace Mann Car Insurance

Your car insurance rates at Horace Mann will be calculated based on several risk factors, including age. You will receive higher rates if you are younger or a new driver.

Horace Mann Car Insurance Monthly Rates by Coverage Level, Age, & Gender

In addition to calculating average car insurance rates by age and gender, Horace Mann will also consider your driving record. Drivers with a clean driving record will have the lowest rates.

Horace Mann will raise rates slightly for drivers with a traffic ticket, such as a speeding ticket. Rates are increased substantially for drivers with a DUI or at-fault accident.

Since every company will raise rates for drivers with tickets, DUIs, or accidents on their record, it’s crucial to compare Horace Mann’s rates to other companies. Read on for more rate analysis.

Compare Horace Mann Car Insurance Rates to Top Providers

Horace Mann is one of the pricier companies for young drivers, so teenagers may wish to shop at cheaper companies unless they are joining their parent’s Horace Mann policy.

Horace Mann Monthly Rates Compared to Other Providers by Age and Gender

Insurance Company	Age: 17 Female	Age: 17 Male	Age: 25 Female	Age: 25 Male	Age: 35 Female	Age: 35 Male	Age: 60 Female	Age: 60 Male
	$370	$410	$120	$127	$105	$115	$96	$100
	$325	$370	$115	$120	$95	$100	$87	$90
	$300	$340	$110	$115	$95	$100	$88	$90
	$381	$420	$119	$125	$103	$110	$94	$98
	$400	$440	$125	$130	$110	$120	$98	$102
	$360	$400	$118	$123	$102	$110	$94	$97
	$275	$310	$108	$110	$90	$94	$85	$87
	$350	$390	$115	$120	$100	$105	$92	$95
	$290	$320	$109	$112	$92	$97	$89	$91
	$310	$350	$113	$118	$98	$103	$90	$93

Horace Mann is also a more expensive option for DUI drivers, so it is best for drivers with clean driving records or only one minor infraction.

For example, if you compare Horace Mann Insurance vs. State Farm rates for DUI drivers, State Farm is $83 cheaper monthly (Learn More: Cheap Car Insurance After a DUI).

Horace Mann Monthly Rates Compared to Other Providers by Driving Record

Insurance Company	Clean Record	One Ticket	One Accident	One DUI
	$160	$188	$225	$270
	$58	$70	$82	$107
	$80	$106	$132	$216
	$125	$135	$155	$195
	$174	$212	$234	$313
	$115	$137	$161	$237
	$105	$140	$186	$140
	$86	$96	$102	$112
	$99	$134	$139	$206
	$59	$67	$78	$108

While young drivers and DUI drivers will find Horace Mann expensive, Horace Mann’s rates are in the middle for all other drivers, making it an affordable option for most.

Car Insurance Coverage Options at Horace Mann

A few different Horace Mann auto insurance coverage options are available to purchase. Horace Mann’s full coverage list is as follows:

Horace Mann Car Insurance Coverages

While Horace Mann offers extras like roadside assistance and rental reimbursement, it is missing gap insurance for new vehicles.

If you need add-on coverage like gap added to your policy, you may want to shop elsewhere for a company offering more coverage (Read More: Compare Car Insurance by Coverage Type).

Horace Mann Car Insurance Discounts

Horace Mann Educators Corporation offers discounts to help educators save on their auto insurance, with the most significant discount being 20%.

Horace Mann Car Insurance Discounts and Percentage Saved

Other great discounts include bundling discounts, good driver discounts, and good student discounts. How much do school grades affect car insurance rates? Customers can reduce rates substantially by applying for Horace Mann discounts.

Customer Reviews of Horace Mann Car Insurance

Customer insights can help you avoid a company with poor customer service and other issues. Reviews of Horace Mann Insurance on Reddit are mixed, with positive reviews stating helpful customer service and affordable rates for teachers.

Do car insurance rates increase every year with Horace Mann? Negative customer reviews do mention rate increases despite zero changes in driving history due to inflation.

A few disgruntled customers also talked about poor customer service, although other customers mentioned helpful assistance from local agents.

Horace Mann Car Insurance Business Ratings

Customer reviews are just one part of the picture. Business ratings of Horace Mann are also essential to review, as they give insight into financial strength, Horace Mann complaints, and more.

Horace Mann Car Insurance Business Ratings & Consumer Reviews

Agency
	Score: 820 / 1,000 Avg. Satisfaction
	Score: A Good Business Practices
	Score: 74/100 Good Customer Feedback
	Score: 0.95 Avg. Complaints
	Score: A Excellent Financial Strength

Horace Mann insurance reviews on BBB resulted in an A rating for good business practices. It also has average complaints on NAIC and average customer satisfaction ratings on J.D. Power (Read More: Car Insurance Companies With the Worst Customer Satisfaction).

So, while Horace Mann doesn’t have the highest ratings possible from businesses, its ratings are still good and show that Horace Mann is one of the better companies on the market.

Horace Mann Car Insurance Pros and Cons

Horace Mann is a solid choice for educators looking for affordable auto insurance. Some of the perks you’ll get when signing up with Horace Mann include:

• Educator Benefits: Horace Mann caters especially to teachers, offering benefits like Educator Advantage, where deductibles are waived or reduced for on-campus incidents.
• Discount Opportunities: Horace Mann discounts offer savings for good students, safe driving, and much more.
• Good Business Ratings: Customers will find that Horace Mann has good ratings from NAIC, BBB, J.D. Power, and more.

For the most part, Horace Mann is a solid choice of company. However, there are some downsides to choosing Horace Mann Insurance Company.

• High-Risk Driver Rates: Horace Mann is a less affordable choice for teenage drivers and DUI drivers.
• Add-On Coverage Options: Horace Mann has a decent selection of coverages, but it lacks gap coverage (Learn More: Do you need gap insurance on a used car?).

If you are a high-risk driver, we recommend getting a quote from Horace Mann to compare it to other companies’ quotes.

Comparing Horace Mann’s auto insurance rates to other companies will help you determine if Horace Mann offers the best deal.

Deciding if Horace Mann Car Insurance is the Right Fit for You

Our Horace Mann car insurance review found that its discounted rates for educators and students are a major pro. Horace Mann stands out with its “Educator Advantage” program, offering car insurance deductible reductions for on-campus incidents.

This makes it ideal for teachers, but high-risk drivers may want to explore other options, as higher rates for young and DUI drivers are a notable con.

With varying rates based on factors like age and driving history, it’s important to compare multiple quotes to find the best policy for your needs. Search for affordable car insurance today with our free quote tool.