Car Insurance Discounts for Teachers

If you are a teacher, you may qualify for a discount for auto insurance through some companies. You can contact your insurer to determine if the company offers this type of discount. Depending on the insurance company, you may get significant savings on accidents. Some offer coverage for school property if it is stolen from your vehicle.

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Last Updated: 11/8/2022
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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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Methodology

Why Trust MoneyGeek? MoneyGeek examined several major companies that provide auto insurance discounts for teachers to help them find the best deals around. Our study also contains information from insurers that do not currently provide specific discounts in order to provide other means for teachers to save money on premiums. Furthermore, to ensure the accuracy and usefulness of the information we provide, this guide was written by a subject matter expert and went through a multi-step process of writing, fact-checking and editorial review.

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
    Location
    Description
  • GEICO

    Nationwide (All states,
    including Washington D.C.)

    GEICO offers affinity-based discounts. Teachers can
    find out if they qualify for a discount based on
    affiliation to one of the company’s partner
    organizations.

  • Horace Mann

    Nationwide

    Horace Mann caters to teachers and educators by
    offering significant discounts. Members of some
    education-related associations may also qualify

  • Liberty Mutual

    Nationwide (All states,
    including Washington D.C.)

    Liberty Mutual offers discounts based on profession.
    Teachers may qualify for the company’s exclusive
    savings opportunity.

  • Country Financial

    19 states, including
    AL, AK, AZ, CO, GA,
    ID, IL, IN, IA, KN, MN,
    MO, NV, ND, OK, OR,
    TN, WA, WI

    Country Financial offers an occupation discount to
    eligible policyholders. Teachers qualify if they
    are full-time K–12 teachers.

  • Farmers

    38 states, including
    AL, AZ, AR, CA, CO, CN,
    FL, GA, ID, KS, KY, LA, MD,
    MA, MI, MN, MS, MO, MT,
    NE, NV, NJ, NM, NY, NC, ND
    OH, OK, OR, PA, SC, SD, TN
    TX, UT, VA, WA, WI

    Farmers offers discounts for members of certain
    teacher professional groups or occupations.

  • Mercury

    11 states, including
    AZ, CA, FL, GA, IL, NV,
    NJ, NY, OK, TX, VA

    Mercury offers up to a 17% discount for teachers.
    This is available to any educator. There’s no
    requirement to be a member of certain professional
    organizations or work for certain schools.

  • Alfa

    3 states, including
    AL, GA, MS

    Alfa insurance policyholders may qualify for a
    teacher car insurance discount if they are
    full-time teachers or professors employed by a
    college, university or a public, private or
    vocational school.

  • Educators Insurance Agency

    MA

    Educators Insurance Agency, a subsidiary of The
    Hanover, partnered with the Massachusetts Teachers
    Association (MTA) to offer an exclusive insurance
    discount of up to 10% to MTA members and their
    families.

  • Meemic

    4 states, including
    GA, IL, MI, WI

    Meemic offers career-specific discounts that allow
    teachers to save up to 35%. The newly-certified
    teacher discount is available to teachers for the
    first seven years after certification.

  • Plymouth Rock Assurance

    6 States, including
    CT, MA, NH, NJ, NY, PA

    The company focuses on insurance for members of the
    educational community in New Jersey, and offers
    auto insurance in five other states. The Teachers’
    Insurance Plan
    covers early childhood education to high
    school teachers.

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
  • Discount
    Best For
  • Customer Loyalty Discount

    • Discounts for policyholders who have been insured by the same company for a certain number of years
    • Best for teachers who have been insured continually by a company that offers this option
  • Accident-Free Good Driver Discount

    • Companies reward drivers who have remained accident-free for a certain number of years
    • Driver should have no accidents, violations or major comprehensive claims
    • Best for teachers who maintain a clean driving record and practice safe driving
  • Driver's Education

    • Saving opportunity for drivers who have completed a state-approved driver’s education course
    • Companies may have an age requirement, which is typically 21 years old or younger
    • Best for teachers who are looking to save money on their children’s auto insurance rates
  • Vehicle and Safety Equipment Discount

    • Certain types of vehicle equipment can help you get a discount
    • Typically includes airbags, anti-lock brakes, anti-theft systems, daytime running lights, VIN etching and other advanced safety systems
    • Best for teachers who have safety equipment installed in their vehicles
  • Pay-in-Full

    • Pay bills in full instead of monthly to get a discount
    • Often applied to policyholders paying in lump sum (annually or every six months)
    • Best for teachers who can settle premiums for six months or a year

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.

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    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.

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    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.

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    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.

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    Pay-Per-Mile Insurance

    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.

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    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 the Author


expert-profile

Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.


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