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 DiscountLocationDescription
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
Horace Mann caters to teachers and educators by
offering significant discounts. Members of some
education-related associations may also qualify
Nationwide (All states,
including Washington D.C.)
Liberty Mutual offers discounts based on profession.
Teachers may qualify for the company’s exclusive
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.
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.
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
- DiscountBest 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
- 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 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.
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.
- Educators Insurance Agency. "MTA Benefits." Accessed April 27, 2022.
- 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.