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Cheap car insurance for teachers

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If you’re a teacher, you can find discounts at stores, restaurants and parks. But did you know you can find discounts on your insurance?

Many car insurance providers give you discounts for working at public or private schools. Find out whether these discounts are available where you are, and compare options for the best rates and coverage.

How do car insurance discounts work?

Depending on the insurance company, if you’re a teacher, you could get more monthly discounts than the average policyholder. You might even get a lower deductible.

But this is usually a trade: Low deductible can mean high monthly payments and vice versa. If you have money set aside for emergencies, lower monthly payments with high deductible might work better.

Because most insurance providers aren’t uniform in their coverage across the country, your policy options and discounts will vary depending on things like where you live, your age and driving record.

Special job titles discounts

Discounts can be offered for different occupations, including:

  • Educators
  • Active US military or veterans
  • Medical professionals
  • Government employees

Whether or not you can get a discount for your job title depends on your insurance provider, as well as coverage availability and regulations in your state.

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How does being a teacher help you save on auto insurance?

If you’re a teacher, you belong to a demographic that makes statistically fewer claims than the average driver, and present a lower risk to an insurer. That means car insurance for teachers could be cheaper than for other professions. Certain insurance providers are known for their teacher-specific discounts or discounts for being a member of an educational organization.

A provider that lets you bundle your life, home and car insurance could potentially save you money with not only a bundling discount, but your teacher’s discount too. Look into your current insurers, and find out if there’s a bundle deal geared toward educators. You should still compare rates and shop around with other providers, but this could save you time.

What’s the best auto insurance provider for educators?

Here’s a brief list of the best options out there for people working in education — and other public service jobs. Many of these providers don’t go into specifics about what discounts they offer, so contact an agent or get a quote to see if you meet the conditions.

As always, insurance companies consider your unique background, location, credit score and other factors to determine your cost and coverage options.

  • Liberty Mutual. For school employees, this company offers a $0 deductible if your car is vandalized or broken into on school grounds. In every state except Pennsylvania, you can get a $0 deductible if you’re in an accident while attending or en route to a school-related event. Better yet, if any of your teaching supplies or materials are damaged in a crash or stolen from your vehicle, Liberty Mutual will cover them up to $2,500. According to the provider website, you can also receive some exclusive educator discounts on your home and auto insurance.
  • Horace Mann. This provider, which is specially geared to take care of teachers, gives the same kinds of discounts for incidents that happen on school property or while driving to or from school-related events. The teacher-specific Educator Advantage policy comes at no extra cost, and adds liability coverage for any of your students riding in your vehicle. If you’re an educator, you can also get a discount on rates for life and home insurance through this company with multi-line and multi-policy discounts.
  • Esurance. You’re eligible for special discounts if you or your spouse holds a degree or is employed in education, mathematics, engineering or natural science.
  • Farmers. With affinity-based discounts, your membership to an organization or work field can earn you discounts on premiums as well as lower deductibles.
  • Geico. You can get rate breaks with this provider for belonging to just about any educational organization — and there are a lot of them. Geico’s website shows more than 200 possible affiliations that will earn you a discount, so when you approach this provider for a quote, go prepared with proof of your membership and see how it lowers your premiums and deductibles.
  • California Casualty. Despite the name, California Casualty (CC) offers coverage in 44 states and Washington, D.C. — Alaska, Hawaii, Massachusetts, New York, Michigan and Wisconsin are the exclusions. This company offers coverage exclusively to teachers, firefighters, law enforcement officers and health care professionals. Offering customizable policy plans, CC provides extra coverage for damaged or lost teaching materials, as well as an option for no payments during the summer months to make life easier for educators who aren’t working through June, July and August.

Compare top providers with driver discounts

Name Product Roadside assistance New car protection Available states
Allstate
Included free
Yes, cars under 2 years old
All 50 states
Enjoy having your own dedicated agent to help you get the best discounts and coverage.
Liberty Mutual
Optional
Yes, cars under 1 year old & 15,000 miles
All 50 states
Car insurance through Liberty Mutual will give coverage options for almost any situation.
Root
Optional
No
AZ, AR, DE, IL, IN, IA, KY, LA, MD, MI, MS, MT, NM, ND, OH, OK, OR, PA, TX, UT
Root offers simple, affordable insurance that’s ideal for good drivers. Try the Root app for 2 weeks and see how much you could save. Available in 20 states.
Esurance
Optional
Yes, cars under 1 year old & 15,000 miles
All states except AK, DE, HI, MT, NH, VT, WY
Esurance offers a modern online and mobile experience that helps you take your insurance on the go. Available in 42 states.
Metromile
Optional
Yes, cars under 1 year old & 15,000 miles
CA, IL, NJ, OR, PA, VA, WA
Drive less than 30 miles a day? Save on the coverage you need with pay-per-mile insurance from Metromile. Get a low monthly rate then pay just a few cents per mile. Available in CA, IL, NJ, OR, PA, VA and WA.
USAA
Optional
No
All 50 states
USAA offers affordable car insurance with highly rated customer service to millions of military members and their families. Only available to military members, veterans and affiliated military members.

Compare up to 4 providers

How teachers can save money on car insurance

Even if you qualify for an educator discount through your provider, other factors like your credit score, driving record or the type of car you drive could be keeping your rates higher than they need to be.

  • Bump up your credit score. In most states, insurance providers use your credit score to assess your risk. Multiple independent studies have linked having a great credit score and being a low-risk policyholder. Increasing your credit score might only mean marginal gains, but when you’re talking about an expensive recurring payment, every dollar counts.
  • Clean up your driving record. When you have points on your license or an at-fault crash in your recent history, your insurance rates are going to be higher than if you were squeaky-clean on paper. Even if you were in a crash that wasn’t your fault, some insurers will raise your rates simply for having to file a report or claim. The good news: By enrolling in a defensive driving course or taking other measures to demonstrate that you’re a safe driver, you can negotiate with your provider to bring the monthly rates back down.
  • Use age to your advantage. If you’re a young driver, getting insurance on your own can be incredibly expensive. This is because the provider doesn’t know how to assess your risk or see that you have good driving habits, and younger drivers are known to be involved in more accidents. To help avoid paying super-high premiums, most young drivers add themselves onto the policies of older, more experienced drivers, like their parents.
  • Pay a lump sum. By paying your six- or 12-month policy in full at the beginning, you’ll save money over the monthly or bi-monthly option. This is because the insurer knows everything is paid up and no one has to worry about whether you’ll be able to pay later. Paying this way can also save you from a midterm rate hike if you make a claim, although you may be asked to pay more at the beginning of the next policy cycle following an accident or claim.
  • Trim the fat. Does your current policy include stuff you’ll never use, like coverage for driving abroad or liability insurance for others driving your vehicle? Every extra feature on an insurance plan costs you money, and if you really think you’ll never use one area of coverage, most insurers will allow you to cut that feature and reduce a plan’s overall cost. Keep track of other non-insurance coverage you might have. A membership with AAA or AARP could offer benefits that overlap with your insurance policy, possibly allowing you to eliminate one or the other.
  • Shop around and compare options. Nothing eliminates your chances of saving money like making a last-minute decision. By taking your time and comparing rates and coverage, you’ll be able to find or negotiate better pricing, and you might find better discounts from certain providers over others.

Bottom line

While there are several car insurance providers that offer a break for educators, you’ll have to check into their availability where you live, as well as what conditions you may or may not meet. As always, stay in the know about your own provider and what else is out there in the wide world of auto insurance.

To learn more about car insurance in general, from special rates and discounts to state laws and requirements, check out our comprehensive guide to car insurance.

Find the cheapest rates

Compare the best car insurance companies near you.

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Andy Frakes

Andy's background in journalism and experiences with endurance sports have left him hungry for challenges, and he finds plenty to conquer with the finder team. When he isn't writing the best car insurance articles on the Internet, he's probably out shooting photos, hunting for bargains in SoHo or eating breakfast food (yes, for the third time today).

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