Cheap Auto Insurance for Teachers in 2023 (Save With These 8 Companies!)
You can buy cheap auto insurance for teachers from Geico, Farmers, and Progressive, starting at $70/mo. Car insurance discounts for teachers also help lower rates even more. Below, we'll help you find the cheapest teacher car insurance rates from the top providers to find the best coverage for your needs.
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Jeffrey Manola
Licensed Insurance Agent
Jeffrey Manola is an experienced insurance agent who founded TopQuoteLifeInsurance.com and NoMedicalExamQuotes.com. His mission when creating these sites was to provide online consumers searching for insurance with the most affordable rates available. Not only does he strive to provide consumers with the best prices for insurance coverage, but he also wants those on the market for insurance to ...
Licensed Insurance Agent
UPDATED: Nov 27, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Nov 27, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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You can get cheap auto insurance for teachers from Geico, Farmers, and Progressive. However, our top pick for the cheapest teachers car insurance is Geico, averaging $70/mo for minimum coverage.
- Geico is our top pick for the cheapest teacher auto insurance company
- Teachers can pay as low as $70/mo for minimum coverage
- Some companies also offer teachers car insurance discounts
Several different companies also offer discounts on auto insurance for teachers and educators. Still, there’s a chance you could also save more money through other ways.
| Rank | Company | Monthly Rates | Multi-Policy | Best For |
|---|---|---|---|---|
| #1 | Geico | $70 | Up to 25% | Cheap Rates |
| #2 | Farmers | $70 | 5% - 25% | Great Add-ons |
| #3 | Progressive | $75 | Up to 10% | Online Management |
| #4 | Nationwide | $80 | Up to 20% | Many Discounts |
| #5 | State Farm | $80 | Up to 17% | Student Savings |
| #6 | Allstate | $85 | Up to 25% | Customer Service |
| #7 | Liberty Mutual | $90 | Up to 25% | Teacher-Specific Coverages |
| #8 | Safeco | $100 | Up to 15% | Diminishing Deductible |
Before making your final decision on an auto insurance company, it’s best to explore all the discounts for which you qualify, which we’ll explain here.
#1 – Geico
Pros
- Cheap rates: Geico has the cheapest auto insurance for all teachers.
- Good discounts: Get discount car insurance for teachers with Geico’s affinity car insurance discount, which may include educators.
- Online tools: The company has user-friendly online resources for policy management and claims handling.
Cons
- Few local agents: Geico has limited local agents for teachers seeking face-to-face customer service.
- Limited coverages: Educators can’t get rideshare or gap insurance with Geico.
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#2 – Farmers
Pros
- Coverage options: Teachers can benefit from a $0 glass deductible, accident forgiveness, and other cost-saving programs.
- Teacher savings: Farmers has affinity, safe driver, and ePolicy discounts, alongside its Farmers Signal program.
- Good customer satisfaction: The company doesn’t have many customer complaints.
Cons
- Limited availability: Farmers isn’t available in every region.
- Few online resources: Busy teachers looking for a convenient, online interface for paying bills or managing their policy may be disappointed with Farmers, as the company lack online tools.
#3 – Progressive
Pros
- Pet coverage: Collision auto insurance policy includes pet injury coverage.
- Rideshare: Progressive sells rideshare auto insurance.
- Offers budgeting tool: Progressive’s Name Your Price Tool allows educators to tailor coverage options to their budget for cheap teacher auto insurance rates.
Cons
- Several complaints: Progressive has poor customer satisfaction, as it receives a high volume of complaints.
- Expensive accident rates: You may see higher rates after an accident with Progressive. (Read More: Auto Insurance for Drivers With Accidents)
#4 – Nationwide
Pros
- Great discounts: You can save on Nationwide car insurance for teachers with defensive driving, safe driver, Nationwide SmartRide, SmartMiles, accident-free, and multi-policy discounts.
- Vast coverage options: Nationwide’s coverage options allow teachers to find the best car insurance for them: roadside assistance, gap insurance, rental car expense, accident forgiveness, and a vanishing deductible.
- Good financial strength: Nationwide has strong financial ratings.
Cons
- Limited availability: Despite its name, you can’t get Nationwide coverage in every state.
- Claims handling: Nationwide has poor claims satisfaction.
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#5 – State Farm
Pros
- Many savings: The company offers excellent young driver programs for young teachers or teachers with children: State Farm Drive Safe and Save, Steer Clear, good student, and multi-car.
- Good customer service: State Farm receives all-around excellent customer service ratings.
- Local agents: State Farm offers an extensive agency network for educators who want in-person assistance.
Cons
- No gap insurance: Teachers can’t get gap insurance with State Farm.
- Discount availability varies: Availability and percentage amount of certain State Farm auto insurance discounts vary by location.
#6 – Allstate
Pros
- Teacher discounts: Allstate offers multiple discounts to achieve cheap car insurance for teachers: Drivewise, multiple policy, new car, and safe driving club discounts.
- Add-ons: You can get many auto insurance coverage options for teachers: accident forgiveness, rideshare, and roadside assistance.
- Claim satisfaction guarantee: Allstate gives its auto insurance policyholder a free claim satisfaction guarantee.
Cons
- Many complaints: Allstate has various customer complaints.
- Not the cheapest: Many other top providers offer cheaper rates and better financial ratings for teachers than Allstate.
#7 – Liberty Mutual
Pros
- Teacher-specific coverage: Liberty Mutual offers vandalism loss protection and personal property coverage to teachers on school property or at school-related events.
- $0 deductible for school business: You won’t pay a deductible if your car gets damaged in a collision while driving on school business.
- Customize your coverage: Liberty Mutual’s customizable policies could benefit teachers with certain coverage needs.
Cons
- Few local agents: You won’t find many local agents with Liberty Mutual.
- Varied customer reviews: Liberty Mutual has mixed claims handling and customer service ratings.
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#8 – Safeco
Pros
- Safe driving rewards: Safeco’s diminishing deductible lowers your auto insurance deductible for safe driving at each policy renewal.
- Usage-based program: Safeco RightTrack program offers usage-based component for teachers looking to save.
- Online policy management: The company’s user-friendly online and mobile tools allow educators to conveniently manage their policy.
Cons
- Low customer satisfaction: Safeco has poor claims satisfaction.
- Few discounts: Compared to competitors, Safeco doesn’t offer as many discount opportunities.
Learn More About These Cheap Car Insurance Companies for Educators:
- Geico Auto Insurance Review
- Farmers Auto Insurance Review
- Progressive Auto Insurance Review
- Nationwide Auto Insurance Review
- State Farm Auto Insurance Review
- Allstate Auto Insurance Review
- Liberty Mutual Auto Insurance Review
- Safeco Auto Insurance Review
Auto Insurance Companies With Teacher or Occupation-Based Discounts
Many of the top car insurance companies for teachers offer them discounts to help them lower their rates.
How to Get a Teacher Auto Insurance Discount
Certain conditions apply to qualify for a teacher or educator discount:
- You’re a teacher.
- You’re a staff member at a school or learning facility.
- You’re the child of a teacher and meet other age-based and living address criteria.
Many of the best auto insurance companies offer discounts for teachers. Check out the table below for a list of companies offering a teacher auto insurance discount:
Insurance Company Percentage Discount
Allstate 5% to 15%
American Family 4% to 12%
Farmers Up to 10%
Geico Up to 8%
Horace Mann Up to 5%
Liberty Mutual Up to 10%
Nationwide 6% to 16%
Progressive 7% to 17%
Safeco Up to 15%
State Farm Up to 12%
Travelers 8% to 18%
USAA 5% to 15%
Additionally, you’ll need to provide documentation regardless of the insurance company you do business with. Acceptable forms of ID include your school ID, security badge, or a letter from the school proving employment.
Your children may also qualify for discounts regardless of age if they’re under your policy and live at your address. However, once they leave, they may no longer qualify, and you can save more money by removing them from your policy.
Other Auto Insurance Discounts for Teachers
As a teacher, you already know the value of research. Therefore it’s important to look for other auto insurance discounts when choosing a policy. For instance, drivers receive discounts from insurers for various actions and characteristics.
Your children may also qualify for discounts regardless of age if they're under your policy and live at your address. However, once they leave, they may no longer qualify, and you can save more money by removing them from your policy.Daniel Walker Licensed Auto Insurance Agent
Here is a list of several other discounts for which you may qualify and save even more:
- Multi-policy: You can receive a discount if you purchase multiple policies from the same insurer. Bundling policies with a single insurance company allows it to customize your specific needs and leverage your risk profile to save you money.
- Safe driver: Motorists with a spotless record frequently receive discounts or cash back for safe driving.
- Good student: Discounts on auto insurance are available for teachers who have a student with good grades listed on their policy.
- Discount for defensive driving: Gain a premium discount by taking a defensive driving course.
- Safety or anti-theft devices: Insurance companies will lower your rates if your vehicle has anti-theft or safety-enhancing features like an alarm, air bags, or anti-lock brakes.
- Pay-in-full: Instead of choosing monthly payments, policyholders who purchase their entire annual policy upfront may qualify for a discount.
- Telematics monitoring: Share your driving information with your insurance provider. The safer you drive, the greater your discount.
In addition to industry-specific discounts, there are other ways for teachers to obtain inexpensive auto insurance. Scroll through the section below for helpful tips on how to find cheap car insurance for teachers.
Ways Teachers Can Get Cheaper Auto Insurance Rates
You don’t need an occupation-based discount to get cheap car insurance for teachers. Finding the best rates comes down to choosing the right coverage and comparing quotes from multiple companies to find the best one.
Check out the map below to see how much teachers might pay for minimum coverage by state:
However, there are other ways for teachers to get cheap car insurance, listed below.
Only Buy Coverages You Need
Only pay for what you need and weigh the benefits of lowering or raising your deductible when appropriate. A low deductible means you’ll be paying more per month. If you think you’ll run a very low risk of an accident or other vehicle damage, you might save money by raising your deductible.
Think About Your Claims
Sometimes it’s best just to pay for minor repairs out of pocket, especially if the long-term financial picture warrants it. Relying on your comprehensive coverage seems fair at first, but insurance companies are still likely to raise your rates during the renewal period by 5%-8% even when you’re not at fault.
If your total repair costs are less than your deductible, then you might consider taking care of the repairs yourself. You could end up paying more unnecessarily over the coming years, assuming that your annual rates went up by an average of 10% after a claim.
Shop Around for the Best Rates
When underwriting your insurance policy, many factors are considered, and not all companies are equally adept at pulling off the invariable win-win. Because you can find vastly different coverage rates from company to company, you really will have to shop around to get the best deal.
Also, because purchasing a car is an integral part of the entire process, it’s great to look for dealerships and car makers that honor teachers and educators with a discount, as this will equally affect your overall savings.
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How Teachers Can Buy Cheap Auto Insurance Coverage
Compare the cheapest auto insurance for teachers from Geico, Farmers, and Progressive, with rates as low as $70/mo for minimum coverage.
Get cheap auto insurance rates from these companies and others to find the best car insurance for teachers.
Frequently Asked Questions
Do teachers get discounts on auto insurance?
Many companies take into account a driver’s profession when determining their rates. Teachers may be eligible for discounts on auto insurance, depending on their insurance company. The best strategy for obtaining reasonable rates is to compare companies and request a discount.
Does Horace Mann insurance cover rental cars?
Vehicle rentals are covered by Horace Mann insurance. Owners of the policy can include rental reimbursement coverage, which will cover the cost of a rental vehicle while their own vehicle is being repaired.
What is the best insurance for teachers?
Certain insurance companies offer auto insurance specifically tailored to the needs of teachers. These companies include Liberty Mutual, Horace Mann, California Casualty, Meemic, and Plymouth Rock. However, different teachers have different coverage needs, and some may find their best rates with companies not included in this article. We recommend comparing rates from multiple insurers to get your best deal.
Do teachers qualify for any additional insurance discounts?
In addition to potential teacher-specific discounts, educators may be eligible for other general insurance discounts offered by insurance providers. These discounts can include safe driver discounts, multi-policy discounts (bundling auto insurance with other policies), good student discounts (for dependents), or discounts for certain professional affiliations. It’s recommended to inquire with insurance providers about available discounts for teachers.
Are teachers considered lower risk by insurance companies?
Insurance companies may consider teachers to be lower risk due to factors such as stable employment, responsible behavior, and typically having shorter commutes. Insurance providers typically take into account various risk factors when determining premiums, and stable employment and responsible behavior can be viewed as positive factors in assessing risk.
Can teachers get group insurance rates for auto insurance?
Some educational institutions or teacher associations offer group insurance plans that provide discounted rates for various types of insurance, including auto insurance. These group plans can often provide more affordable rates compared to individual policies. It’s recommended to check with your employer or professional organizations in the education field to see if group insurance options are available.
Can teachers get USAA insurance?
Teachers who served in the military or have an immediately family member who did can get USAA car insurance coverage.
Does USAA offer a teacher discount?
No, USAA doesn’t have specific car insurance discounts for teachers.
Are there any teacher-specific auto insurance companies?
Some insurance companies only do business with educators and teachers. Since their creation in 1945, Horace Mann has been an educator-only insurance company. It offers specific benefits like transporting students or pets, reduced rates for vandalism on school property, and multi-discount stacking.
Teachers Insurance Co., a division of Horace Mann, is specifically suited to helping teachers get the best insurance deal. They also offer the ability to bundle with life, health, and other insurance policies.
Can teachers use their personal auto insurance for work-related driving?
Personal auto insurance policies typically do not cover work-related driving activities, especially if they involve transporting students or using a vehicle owned by the educational institution. In such cases, the employer’s commercial auto insurance policy would generally be primary. Teachers should consult their employer’s policies and insurance guidelines to understand the coverage available for work-related driving.
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Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Jeffrey Manola
Licensed Insurance Agent
Jeffrey Manola is an experienced insurance agent who founded TopQuoteLifeInsurance.com and NoMedicalExamQuotes.com. His mission when creating these sites was to provide online consumers searching for insurance with the most affordable rates available. Not only does he strive to provide consumers with the best prices for insurance coverage, but he also wants those on the market for insurance to ...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
