Cheap Car Insurance for Teachers in 2024 (Save Big With These 10 Companies!)

Liberty Mutual, Geico, and USAA are the top choices for cheap car insurance for teachers.

Teachers, did you know your occupation can impact your average car insurance rates? The companies with the cheapest auto insurance for teachers also offer many car insurance discounts for teachers.

Our Top 10 Company Picks: Cheap Car Insurance for Teachers

Read through our comprehensive guide to learn more about teacher car insurance discounts and for help understanding your car insurance policy. If you want car insurance quotes for teachers, enter your ZIP code into our online quote tool above to start comparing affordable car insurance for teachers.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

#1 – Liberty Mutual: Top Pick Overall

Pros

• Teacher Discounts: Liberty Mutual has discounts specifically for teachers.
• Accident Forgivness: Teachers can add accident forgiveness to their policies if they are safe drivers.
• Coverage Options: Teachers can fully protect their vehicles at Liberty Mutual. Learn more in our Liberty Mutual review.

Cons

• Customer Service: Liberty Mutual reviews left by customers are mixed.
• Claims Processing: Reportedly, it can be slower at Liberty Mutual.

#2 – Geico: Best for Affinity Discounts

Pros

• Affinity Discounts: Geico has affinity discounts for teachers, first responders, military, and more.
• Online Tools: User-friendly tools are available to customers. Learn more in our Geico review.
• Good Driver Discount: Geico has a good driver program that awards discounts after completion.

Cons

• Discount Availability: Some discounts, like Geico’s good driver discount, may be unavailable in some locations.
• Dependency on Online Service: Geico conducts most of its services online.

#3 – USAA: Best for Military Affiliation

Pros

• Military Affiliation: USAA is a great choice for teachers with a military affiliation. Learn more in our review of USAA.
• Company Ratings: Customer satisfaction and financial stability ratings are high.
• Coverage Options: Teachers have a range of teacher auto insurance coverages to choose from.

Cons

• Restrictions on Eligibility: Only teachers who have veterans or military affiliations can purchase insurance.
• Lack of Local Agents: In-person services are rarely available.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

#4 – Nationwide: Best for Vanishing Deductible

Pros

• Vanishing Deductible: Teachers can lower their deductibles if they don’t file claims.
• Flexible Payments: Teachers can change their payment frequency and method as needed.
• Bundling Discount: One of the best Nationwide car insurance discounts is a bundling discount.

Cons

• Claims Processing: Delays have been reported in some reviews.
• Customer Service: Reviews are a mix of positive and negative feedback.

#5 – Progressive: Best for Snapshot Program

Pros

• Snapshot Program: Teachers can save by joining the Snapshot good driver program.
• Budgeting Tool: The Name Your Price tool can help teachers pick out affordable teachers’ insurance policies.
• Coverage Selection: There are plenty of options for auto insurance for educators at Progressive. Learn more in our Progressive review.

Cons

• Snapshot Rate Increases: Teachers may see increased rates if they score poorly.
• Customer Service: There are some poor reviews about Progressive representatives.

#6 – State Farm: Best for Educator Support

Pros

• Educator Support: Teachers can get policy support directly from a local agent in their area.
• Coverage Options: State Farm has comprehensive plan options for teachers.
• Multi-Policy Discount: Teachers can save by purchasing more. Read our State Farm review to learn more.

Cons

• Financial Rating: A.M. Best rated financial management at State Farm as a B.
• Online Tools: State Farm has fewer management tools available online.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

#7 – Safeco: Best for Customizable Coverage

Pros

• Customizable Coverage: Teachers can customize teacher policies at Safeco. Learn how in our Safeco review.
• Accident Forgiveness: Qualified teacher policyholders can get accident forgiveness.
• Discount Options: There are several auto insurance discounts for teachers.

Cons

• Customer Service: Safeco support has mixed ratings.
• Claim Process: Delays in claims processing have been mentioned in customer reviews.

#8 – MetLife: Best for Payroll Deduction

Pros

• Payroll Deduction: Applicable if teachers are purchasing insurance coverage through an employer.
• Coverage Options: Teachers have several options to add to their teacher policy.
• Discount Options: Teachers have several MetLife car insurance discounts to choose from.

Cons

• Customer Service: Customer experiences and reviews vary.
• Digital Tools: Tools may not be as useful as at other companies.

#9 – Allstate: Best for Safe Driving

Pros

• Safe Driving: Teachers can save with good driver discounts for safe driving habits.
• Claim Guarantee: Unsatisfied customers may be given discounted rates at the next policy term.
• Coverage Options: Teachers can easily get full protection for their vehicles.

Cons

• Higher Rates: Without plenty of car insurance discounts for teachers, rates are expensive. Learn more in our Allstate review.
• Claim Complaints: Various negative reviews about claims have been posted.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

#10 – Travelers: Best for Financial Stability

Pros

• Financial Stability: A.M. Best gave Travelers the highest possible rating.
• 24/7 Support: Teachers can always access as a representative from Travelers. Learn more in our review of Travelers.
• Multi-Policy Discount: Teachers can get teacher discount car insurance by bundling.

Cons

• Customer Reviews: Support qualify varies, according to consumers.
• Claims Processing: Som customers report slow processing times at Travelers.

Teacher’s Car Insurance Explained

Do teachers need car insurance? Yes, car insurance coverage is legally required in 49 states, and teachers must meet those requirements just like everybody else. For most states, the minimum coverage requirements consist of liability coverage only (bodily injury liability coverage and property damage liability coverage).

Take a look at the average rates at the top companies for teachers for liability minimum coverage and full coverage.

Teacher Car Insurance Monthly Rates by Coverage Level & Provider

However, some states also require medical payment coverage, personal injury protection, or uninsured/underinsured motorist coverage. You will need to check the laws in your state to know exactly what is required for your auto insurance policy.

Learn more: Minimum Car Insurance Requirements by State

Liability insurance only covers another party’s damages and injuries after an accident that you cause. If you want to have your own damages covered after an accident or other incident involving your car, you will need to add collision coverage and comprehensive coverage to your policy.

On average, teachers pay $151 per month for full coverage car insurance, which amounts to about $1,812 per year.

However, many variables are used to determine your car insurance rates.

To evaluate how risky of a driver you are, companies take into consideration your individual demographics. Depending on what state you live in, your age, gender, driving record, ZIP code, credit history, commute length, and even the type of car you drive could all affect your annual premium.

According to DataUSA, there are more middle school and elementary school teachers across the country than any other kind. However, educators can also work in early childhood development, post-secondary education, or special education.

Take a look at some national educator statistics in the table below.

Key Teacher Occupational Facts

Using the data as our guide, the average American educator is a 42-year-old female whose annual salary is around $50,000. If you’re a teacher who fits this description, expect to receive some of the best average car insurance rates.

Women tend to receive lower car insurance quotes than men, although some states have banned using gender as a means for calculating rates.

Similarly, divers over the age of 35 also receive more affordable quotes. Car insurance companies are aware of the fact that with age comes experience.

More experienced drivers tend to be safer, cause fewer accidents, and file fewer claims than younger drivers. If you are not a female teacher in her 40s, don’t worry. There are still plenty of discounts you can use to help keep your rates just as low. Keep reading to learn more.

Teacher Car Insurance Discounts

What teacher-only discounts are available from auto insurance companies? Yes, you certainly can receive specific teacher-only discounts from different car insurance companies. But be prepared to ask an agent directly about the discount details.

Not all discounts and specials are listed on company websites.

Both local and larger insurance providers sometimes offer specific insurance discounts for teachers as a way to give back to the community and show support for our public and private school educators. To qualify for these discounts, you usually have to submit proof of employment, such as a photocopy of your teacher ID card.

Read more: 16 Ways to Lower the Cost of Your Insurance

Remember, these specific discounted policies vary by state and even sometimes by insurance company branch. Therefore, when shopping for car insurance, it’s important to ask about occupational discounts upfront.

Take a look at the table below to see what companies offer teacher discounts.

Car Insurance Discounts for Teachers by Provider & Savings Amount

Great news. If you’re an American educator, you can potentially save up to 15 percent on car insurance just because of your job.

Educators can also receive discounted car insurance rates from car insurance companies that specialize in reduced rates specifically for teachers. Just like USAA is a military-specific insurance company that helps active and retired military personnel and their families, some groups do the same thing but for teachers and educators.

The two main companies that offer discounted car insurance rates for educators in any school system are Teachers Insurance Co. and Horace Mann Insurance.

Horace Mann is actually the parent company of Teachers Insurance Co.

Similarly, teachers who are also members of the National Education Agency, or NEA, may also receive discounted car insurance as a benefit of membership in the organization. You might also receive additional discounts for travel, car purchases, and store memberships, like Costco.

Our expert advice when it comes to teachers’ car insurance? Educators should always compare quotes from several different insurance providers like Liberty Mutual or USAA before choosing one to purchase. Comparison shopping makes finding cheap car insurance for teachers much easier and faster.

If you serve as an educator, you should shop around for teachers’ insurance rates online. Doing so will ensure that your hard-earned money as a teacher is going towards the best policy for you and your needs.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

Other Insurance Discounts for Teachers

What other discounts do teachers get on car insurance? Beyond teacher-specific discounts, there are other ways teachers can save on car insurance rates. Car insurance companies realize that offering car insurance discounts is an excellent way to keep policyholders they already have from leaving and to also encourage people who are unhappy to switch companies.

In addition to a teacher’s car insurance discount, there are many other discounts that you should check to see if you qualify for. From your level of education to your driving distance, let’s explore various discount options in more detail.

Education Discount

In some states, if you’ve earned a higher level of education, you can also receive discounted insurance rates. Insurance companies believe that having a degree proves a person is very responsible.

Responsible people not only tend to drive safer but also usually make payments on time.

As a teacher, you have to earn a degree before entering the workforce. Some teachers have bachelor’s degrees or master’s degrees. Others may have even higher levels of education.

Low Mileage Driver Discount

Another discount that is common among teachers is a discount for low-mileage driving. However, in order to qualify for a low mileage car insurance discount, you have to drive much less than average, and every company has different requirements.

When you compare rates, do not hesitate to reach out to specific agents from companies you are interested in to find out more details.

This type of discount is great for teachers who are transitioning to distance learning or who are working remotely. It is also great for teachers who live close to school, who carpool to work, or who use public transportation daily. If you drive less than average, you can receive a car insurance discount of up to 10 percent.

Home Ownership Discount 

Many teachers are also homeowners. If you own your home, you can get a discount for that as well. Not only do statistics suggest that homeowners are safer drivers, but companies love when customers bundle policies.

If you choose to purchase your homeowner’s insurance and car insurance as a bundle through the same company, you can receive some hefty discounts. Do you have more than one vehicle? That will help even more.

Bundling different policies through one company gives that company a lot of extra business. As a reward, your overall rates will be lower.

Marriage Discount

Teachers who are married can qualify for an additional discount as well. There is no limit on how long you have to be married, so newlyweds and educators celebrating their 50th wedding anniversary will qualify for the same discount.

 

View this post on Instagram

 

A post shared by CarInsuranceComparison (@carinsurancecomparison)

Being married also sets you up to combine your policy or policies with your spouse. If you and your spouse drive multiple vehicles, you can qualify for a multi-car insurance discount.

We’ve already discussed how beneficial bundling policies can be for your wallet. Be sure to take advantage of those savings.

Safe Driver Discount 

How is your driving record? Teachers tend to be very responsible drivers. If you rarely ever file insurance claims and have a clean driving record, you are eligible for some great savings.

What is a safe driver discount? Basically, the longer you go without an accident or a claim, the cheaper your car insurance will be. By keeping your driving record clean, you’ll be able to maintain this discount.

Car Make and Model Discount 

Finally, the type of car you drive will have an impact on your discount options as well. If you drive an economically smart vehicle with great safety ratings and crash test ratings, your rates will be lower.

Don’t forget, if you add any additional safety features to your vehicles, such as an alarm system and anti-lock brakes, you become eligible for even more discounts, like an anti-lock brake insurance discount.

It is important to note that not every company will offer the same types of discounts. Larger companies usually have more options than smaller, local companies. However, local companies are sometimes able to offer more specific discounts for community members like teachers.

When you get a quote for car insurance, some of the more common discounts might already be applied to your quote. However, there may be more that you qualify for that were not included. Therefore, you should never be afraid to ask insurance agents questions about the services they offer.

Our expert tip? Make a list of the discounts you believe you are eligible for and ask about each one before signing your name on the dotted line.

Factors That Affect Teacher Car Insurance 

What affects car insurance rates for teachers? Insurance companies calculate your insurance rates based on how risky a driver you are to insure. This is why younger drivers, like teenagers, receive higher than average rates. Not only are they statistically responsible for causing more accidents, but they also lack driving experience.

Fortunately, teachers are not only integral and important members of the community, but insurance companies also assume that teachers are going to be more responsible drivers. However, being a teacher is not enough to garner you low insurance rates. You will still have to meet the other requirements of the insurance company to qualify for lower rates.

For example, if you are a terrible driver and have a lot of claims on your driving record, or if you live and drive in an area that has a high rate of accidents, you could see an increase in your overall rates even as a teacher.

Customarily, insurance companies will consider your commute length, driving record, ZIP code, and even your age when determining your rates. However, the type of car you drive, who else drives your vehicle, and even how often you’ve changed insurance companies can all affect your quotes as well.

While not all of these things are within your control, The good news is that you have the capability to change some of these factors so you can best take advantage of cheaper rates.

To complicate matters further, every company uses a different equation to calculate your rates. Some companies might give you a bigger break for having a short commute, while others might charge you more for being under the age of 40.

This is why it is so important to get multiple quotes from various companies before you make your final purchase.

You can obtain free quotes from car insurance providers that specialize in insurance for teachers and generic national companies as well. Let’s take a closer look at what specifically can cause your car insurance rates to increase or decrease based on how companies calculate your premium.

Commute Length and Teacher Car Insurance Rates

If the length of your commute is longer than average, it can sometimes cause your insurance rates to increase. The average American drives 14,132 miles annually. Nationally, the average commute length is around 26 minutes.

Don’t worry; not every insurance company will factor in commute length when determining your rates.

If your drive to your school is extra-long, be sure to get quotes from companies who leave driving distances off of their calculations.

Driving Record and Teacher Car Insurance Rates

Your driving record can drastically impact your overall car insurance rates. Teacher or not, committing a traffic violation will almost always cause your rates to increase. Even a single speeding ticket can cause your premium to go up by over $100 annually.

If you do have a messy driving history, consider looking into accident forgiveness programs.

Some companies will dismiss minor violations from your record to help keep your rates lower.

However, if you commit too many infractions, some companies might refuse to insure you altogether. You will then need to seek out high-risk car insurance, which will be much pricier.

ZIP Code and Teacher Car Insurance Rates

As a teacher, your average insurance rates will change depending on where in the country you live. Every state has different car insurance laws and requirements, which means the rates you pay for your auto policy will vary by state as well.

If you live in a major city with a higher population density, your car insurance will probably cost more than if you live in a rural, smaller town.

The cheapest insurance costs are found in areas with very low crime rates, very low accident rates, and fewer cars on the road.

Age and Teacher Car Insurance Rates

To insurance companies, age translates to driving experience. Older drivers are usually more experienced and are therefore safer on the roads.

Teenage drivers have the highest average car insurance rates. When you turn 25, you usually see a substantial decrease in your rates.

The average teacher in America is close to the age of 43. If you are close to that age, you can expect to receive some of the most affordable car insurance quotes.

Car Make and Model and Teacher Car Insurance Rates

The type of car you drive as a teacher will also change what you pay for insurance. If you drive a luxury vehicle, for example, your rates will be higher than if you drive a budget-friendly economy sedan.

The logic is pretty easy to follow. Cars that are more expensive to replace or fix receive higher insurance premiums. Vehicles that are older and are cheaper to replace have lower premiums.

However, newer cars tend to have safer security systems and better crash test ratings, which can help mitigate those extra costs.

What to Consider When Shopping at the Best Teacher Companies

What are the best car insurance companies for teachers? You’ve compiled your list of car insurance companies that you’re interested in and sought out quotes. Once you had all of your quotes in hand, you asked about the educator discounts offered by each company and then compared the rates to see which one offered the best possible discount and deal for your car insurance.

Learn more: How do you get competitive quotes for car insurance?

However, the cheapest car insurance policy is not necessarily the best policy. So, how do you pick the right one?

The answer is simple, just do some research.

Even though a car insurance company may offer great rates and discounts for educators, you also want to make sure that the company you choose has great customer service reviews and an easy claims process.

You’ll not only see real customer reviews, but also where your selected car insurance companies rank in the national data.

To research the financial health and stability of car insurance companies on your list, check sites such as A.M. Best, S&P Global, or Fitch Ratings.

You can also check your state’s regulatory agency to determine the market share in your state for each of your selected companies. The most important thing a teacher can do to save money on their car insurance is to research several car insurance companies before deciding on one.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

Finding Cheap Car Insurance for Teachers

Educators will get the best car insurance rates and car insurance discounts by shopping around and comparing car insurance carriers. Using a web-based car insurance comparison tool makes the task of shopping around and comparing car insurance companies quick and easy to accomplish.

Spending an hour or so using a comparison tool to perform side by side comparisons of different companies and rates will enable you to get the best possible deal on your car insurance rates.

Look closely at the insurance products offered by each company you consider, as well as their rates, discounts, financial strength, and customer service ratings. If you have questions about coverage options, call an agent to discuss your needs.

Spending some time researching car insurance providers will allow you to find the educator discount you deserve so you can receive the most affordable auto insurance for your needs. Compare rates now with our free tool to find the best teacher insurance company in your area.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption