Updated: May 20, 2024
Advertising & Editorial Disclosure
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.
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.
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.
Company With Teacher Discount | Location | Description |
|---|---|---|
GEICO | Nationwide (All states, | GEICO offers affinity-based discounts. Teachers can |
Horace Mann | Nationwide | Horace Mann caters to teachers and educators by |
Liberty Mutual | Nationwide (All states, | Liberty Mutual offers discounts based on profession. |
Country Financial | 19 states, including | Country Financial offers an occupation discount to |
Farmers | 38 states, including | Farmers offers discounts for members of certain |
Mercury | 11 states, including | Mercury offers up to a 17% discount for teachers. |
Alfa | 3 states, including | Alfa insurance policyholders may qualify for a |
Educators Insurance Agency | MA | Educators Insurance Agency, a subsidiary of The |
Meemic | 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 |
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.
Discount | Best For |
|---|---|
Customer Loyalty Discount |
|
Accident-Free Good Driver Discount |
|
Driver's Education |
|
Vehicle and Safety Equipment Discount |
|
Pay-in-Full |
|
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.
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.
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.
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.
There are various occupation-based discounts specifically catering to teachers. There are other types of discounts teachers can also take advantage of, including those for:
Not all companies offer car insurance discounts for teachers. You can check with your insurance carrier to find out if discounts are available. Companies that offer teacher discounts are Country Financial, Farmers, GEICO, Liberty Mutual, Mercury, Alfa, Horace Mann, Meemic, Plymouth Rock Assurance and The Hanover.
About Mark Fitzpatrick
Mark Fitzpatrick has analyzed the property and casualty insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. Currently, he leads P&C insurance content production at MoneyGeek. Fitzpatrick has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.
