Some companies offer car insurance discounts for teachers. This type of discount can include a percentage off of your annual premium. Some companies include coverage for school property in your car.
Not all teachers may find a discount option through their insurers. There are other ways to lower insurance costs, like asking about discount options for behavior like safe driving or bundling insurance types like home and auto through the same insurer.
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Companies That Offer Auto Insurance Discounts for Teachers
Teachers looking for a way to lower insurance rates can sometimes qualify for occupational discounts specifically for educators. Not all companies offer this type of discount. Among those that do are Country Financial, Farmers, GEICO, Liberty Mutual and Mercury. You can also ask your insurance carrier if they have a special discount for you.
Teachers’ Auto Insurance Discounts
Company With Teacher Discount
Nationwide (All states,
GEICO offers affinity-based discounts. Teachers can
Horace Mann caters to teachers and educators by
Nationwide (All states,
Liberty Mutual offers discounts based on profession.
19 states, including
Country Financial offers an occupation discount to
38 states, including
Farmers offers discounts for members of certain
11 states, including
Mercury offers up to a 17% discount for teachers.
3 states, including
Alfa insurance policyholders may qualify for a
Educators Insurance Agency
Educators Insurance Agency, a subsidiary of The
4 states, including
Meemic offers career-specific discounts that allow
Plymouth Rock Assurance
6 States, including
The company focuses on insurance for members of the
Other Car Insurance Discounts Teachers Can Use
Aside from occupation-specific discounts, teachers can use other available offers to lower their insurance premiums. Some other car insurance discounts include behavior-based, loyalty-based or even telematics-based offers.
Other Discounts For Teachers
Customer Loyalty Discount
Accident-Free Good Driver Discount
Vehicle and Safety Equipment Discount
Other Ways to Get Cheaper Car Insurance Premiums as a Teacher
Car insurance deals for teachers are among a variety of options to get more affordable car insurance rates. You can also find great deals by taking the following actions.
Shopping Around for Quotes
Comparing prices from different insurers can help you find the cheapest car insurance and the right coverage. You can use MoneyGeek’s quote tool to get started.
Bundle Your Policies
Consider bundling different insurance policies. For instance, you can bundle your auto and home insurance by getting them from the same insurance company.
Increase Your Deductible
Your deductible refers to the money you pay out-of-pocket when filing a claim. A higher deductible can lower your insurance premiums, but you may pay more after a collision.
If you drive infrequently, consider pay-per-mile car insurance. You only pay insurance premiums based on your car usage with this insurance type. This option is good if you drive less than 12,000 miles per year.
Drop Unnecessary Coverage
According to experts, it is practical to drop comprehensive coverage if your premiums are worth more than 10% of your vehicle’s value. It’s smart to calculate how much car insurance you need to prevent being underinsured.
Frequently Asked Questions
MoneyGeek answers some of the most common questions about car insurance deals for teachers to help you better understand your options and find ways ways to save money on auto insurance.
About Mark Fitzpatrick
- Country Financial. "Car Insurance Discounts." Accessed April 27, 2022.
- MTA Benefits. "Educators Insurance Agency." Accessed May 9, 2023.
- Farmers. "Discounts FAQ." Accessed April 27, 2022.
- GEICO. "Car Insurance Discounts." Accessed April 27, 2022.
- Horace Mann. "Auto Insurance." Accessed April 27, 2022.
- Liberty Mutual Insurance. "Car Insurance Discounts." Accessed April 27, 2022.
- Meemic. "Auto Insurance – Educator Benefits." Accessed April 27, 2022.
- Plymouth Rock Assurance. "Teachers Car Insurance Discounts." Accessed April 27, 2022.