Auto Insurance for Teachers (Rates & Discounts)

Auto insurance for teachers is eligible for discounts of up to 30 percent off your rates. Many insurance companies offer cheap teachers insurance, and some of the best auto insurance companies for teachers are USAA, State Farm, and Progressive. Comparison shop with us to get quotes from multiple companies before you buy. Enter your ZIP code below to get free auto insurance quotes online.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Jul 18, 2021

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What You Should Know...

  • Teachers make an average of $59,420/yr and spend $126/mo on auto insurance
  • Teachers may benefit from occupation, organizational affiliation, and education level discounts on auto insurance
  • Some providers, like Plymouth Rock teachers insurance, offer exclusive car insurance for teachers plans and not just discounts

One way teachers can reap the benefits of their careers is through educator discounts. Many businesses offer discounts for teachers, including teacher car insurance discounts of up to 30 percent off monthly premiums.

Finding auto insurance quotes online has never been easier. Teachers are known to be cautious, patient, and often live close to their job, which makes for great drivers, and is why car insurance for teachers is less expensive.

Learn how to qualify for auto insurance discounts for teachers and educators, including why teachers are eligible for discounts, special insurance discounts for driving on school-related business, which insurance companies offer teacher car discounts, and how to save money on auto insurance as a teacher.

Looking for teachers’ auto insurance companies in New Jersey or other states? Enter your ZIP code above. Affordable auto insurance for teachers from local companies in your state is just a click away.

What’s the best auto insurance for teachers?

According to the United States Department of Labor, teachers make an average of $59,420 per year. The best auto insurance for teachers would cost no more than ten percent of that, or $60/mo. 

Unfortunately, average car insurance rates for teachers are double that at $126 per month.

Auto insurance rates for teachers can vary drastically based on individual factors, like where you live, how old you are, and what kind of car you drive.

The best auto insurance for educators is pretty subjective, and you’ll have to comparison shop online to find the best car insurance rates for a teacher.

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The good news is that teachers are cheap to insure. The risk and liability you pose to the insurer determines your car insurance rate, and teachers are simply less likely to file a claim or be involved in a collision.

You’ll find that teachers’ auto insurance claims are handled the same way as any other drivers’ claims when it comes to determining fault, but you may be entitled to specific discounts and personal property coverage for teachers that other drivers do not get. 

Finding the best car insurance rate for teachers is as easy as asking an agent how you can get auto insurance discounts from your job.

Call the toll-free number above to speak with a local agent today for free and learn how teachers can qualify for occupational discounts on auto insurance and how much you can save with their auto policy.

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What are the cheapest insurance providers for teachers?

Auto insurance for educators is available from most insurance companies, including specialty insurance providers. Some larger companies, like Esurance, offer teacher car insurance discounts, while other companies exclusively offer coverage to certain occupations.

The five cheapest auto insurance companies for teachers are:

  1. USAA
  2. State Farm
  3. Progressive
  4. Nationwide
  5. Liberty Mutual

Cheap providers aren’t always the best, and you want to make sure you have enough coverage to protect you in an accident. Invest a little time in comparison shopping online to find the cheapest auto insurance companies for teachers that also offer the best coverage.

What kind of auto insurance coverage do teachers need?

Teachers need to carry at least the minimum liability coverage required by their home state. Additional coverage, like collision and comprehensive policies, isn’t required by law and costs more per month. 

Despite the extra cost, we recommend that all drivers, including teachers, carry full coverage.

Full coverage auto insurance includes the minimum liability policy on top of comprehensive and collision coverage. It’s the only way to ensure you are fully protected while you drive. 

Fortunately, teachers qualify for auto insurance discounts and deductible forgiveness programs based on their occupation to reduce these rates. 

Scroll through the next section for more information on car insurance discounts for teachers and what types of special insurance discounts teachers can qualify for based on certain occupational-based circumstances. 

Do teachers get auto insurance discounts?

When you’re looking for cheap auto insurance for educators, discounts are a great place to start.

Asking about teacher-specific insurance companies in your region is the quickest way to determine which educator discounts are available.

You’ll find that every company calls its teacher discount program something slightly different.

For example, GEICO calls their teacher discounts “Educational Organization Membership Discounts,” while Esurance calls it the “Auto Insurance Discount for Certified Educators, Engineers, & Scientists.”

Remember: Car insurance companies won’t just take your word for it. You’ll need to prove your employment with a pay stub or a letter of proof of employment from your school to get your teacher discount.

How to get auto insurance discounts for teachers?

If you already have coverage, ask your current provider about what types of auto insurance discounts they offer teachers. Most teachers have advanced college degrees and can qualify for discounts that way, too.

Which companies offer auto insurance discounts for teachers?

As a result of the trust insurance companies place on teachers, insurance companies are more than willing to extend discounts their way. Large insurance companies like GEICO, State Farm, Allstate, and Progressive all offer auto insurance discounts for teachers.

Farmer’s Insurance also offers an educator discount of four percent off premiums.

Some smaller insurance companies offer discounted insurance plans exclusively to educators. California Casualty, for example, offers car insurance in 45 states, but policies are only available for teachers, firefighters, police officers, and nurses.

Not every provider will offer car insurance discount for educators.

Take a look at the table below to see the insurance companies that give teacher insurance discounts, the ones that don’t, and which companies provide more discounts for advanced degrees and group memberships:

Auto Insurance Companies That Give Discounts to Teachers
DiscountsFurther EducationMembership/GroupOccupation
21st CenturyNoNoNo
AAANoYesNo
AllstateNoNoYes
American FamilyNoNoNo
AmeripriseYesYesNo
AmicaNoNoNo
Country FinancialYesNoYes
EsuranceYesYesYes
FarmersNoNoYes
GeicoYesYesYes
Liberty MutualYesYesYes
MetLifeNoYesYes
NationwideYesYesYes
ProgressiveNoNoNo
Safe AutoNoNoNo
SafecoYesYesYes
State FarmNoNoNo
The GeneralNoNoNo
The HanoverYesYesYes
The HartfordNoYesYes
TravelersYesYesYes
USAANoNoNo
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While it’s becoming less common for companies to consider education level when adjusting rates (for example, it’s prohibited in New York), that doesn’t mean companies will stop offering discounts. 

Companies like Horace Mann Insurance are explicitly designed with teachers in mind. Horace Mann was created by two high school teachers, giving them a great perspective on the unique needs of teacher drivers. 

And if you’re looking for teachers insurance in New Jersey, for example, Plymouth Rock offers a special Teachers Insurance Plan with lower rates for educators and better coverage.

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There are many ways to find companies with cheap auto insurance for teachers in California, Michigan, Texas, and other states across the country by comparison shopping online.

Use our free online quote comparison tool above to find local companies with auto insurance discounts for teachers.

Do teachers get special insurance discounts when using their vehicles for school-related business?

Teachers enjoy a number of unique advantages when parked on school property.

You can get a discount on your overall car insurance premiums as a teacher and discounts on deductibles and other insurance-related expenses—especially when incidents occur on school property.

These are some of the most common special auto insurance discounts for teachers:

  • Vandalism Loss Protection: Many auto insurance companies offer special vandalism loss protection insurance for teachers. If your vehicle is vandalized on school property or while attending a school-related event, you’ll pay a $0 deductible.
  • Personal Property Coverage: Many insurance companies offer bonus personal property coverage for teachers to protect materials or school-owned property that are stolen or damaged while in your vehicle.
  • Additional Liability Coverage When Transporting Students: Many insurance companies offer additional liability coverage to students when traveling in a teacher’s vehicle.
  • Collision Coverage: Some insurance companies offer a general educator discount to teachers who get involved in accidents while driving for work. For example, you may pay a $0 deductible in a collision while driving on school business.

These discounts are available through multiple insurance companies across all states, and they’re surprisingly common for teachers across the country.

Where do I get the cheapest auto insurance quotes for teachers?

The easiest way to get the cheapest auto insurance quotes for teachers is to comparison shop online.

There’s no need to leave your house or step into an insurance office. Online quote comparison tools search across multiple providers and bring you a number of quotes so you can compare policies. 

Shop and compare auto insurance quotes for teachers every six months so you can always get the best rate possible. 

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To get free auto insurance quotes online, gather the following:

  • Full name and address of all drivers
  • Drivers’ license numbers and dates of birth for each driver
  • Make, model, and VIN of your vehicle
  • Estimated annual mileage

Many different factors affect your auto insurance costs, including where you live and the kind of car you drive, so make sure this information is as accurate as possible before shopping for insurance quotes online. 

Because so many different things influence teachers’ insurance rates, it’s more important than ever to get auto insurance quotes before you buy.

Save money on auto insurance for teachers today with our free quote comparison tool below. Enter your ZIP code to get started.

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How to Save on Auto Insurance as a Teacher

Get free car insurance quotes from top auto insurance companies that offer teacher discounts in your city.

No matter which auto insurance provider you choose, the fact remains: teachers can save a lot of money on car insurance, and getting these teacher discounts is as easy as pointing and clicking.

The best way to find cheap auto insurance for teachers, regardless of where you live, is to shop around, speak to licensed agents, and make sure you qualify for discounts, which can potentially save you up to 30 percent off your rates.

Have a few more questions about auto insurance for teachers? Unsure which car insurance company for teachers is best for you? Check out some common questions below.

Frequently Asked Questions: Auto Insurance for Teachers

Still have questions about car insurance for educators? Read these frequently asked questions to learn more.

#1 – Who actually has the cheapest auto insurance?

If you’re wondering who actually has the cheapest auto insurance, it ultimately depends on where you live, your age, whether you have a clean driving record or not, and your credit score. Take a look at this table for average auto insurance rates from major insurance companies across the country.

Average Annual Auto Insurance Companies by Company and State
StateAverage by StateAnnual Average Allstate PremiumAnnual Average American Family PremiumAnnual Average Farmers PremiumAnnual Average Geico PremiumAnnual Average Liberty Mutual PremiumAnnual Average Nationwide PremiumAnnual Average Progressive PremiumAnnual Average State Farm PremiumAnnual Average Travelers PremiumAnnual Average USAA Premium
Alaska$3,421.51$3,145.31$4,153.07Data Not Available$2,879.96$5,295.55Data Not Available$3,062.85$2,228.12Data Not Available$2,454.21
Alabama$3,566.96$3,311.52Data Not Available$4,185.80$2,866.60$4,005.48$2,662.66$4,450.52$4,798.15$3,697.80$2,124.09
Arkansas$4,124.98$5,150.03Data Not Available$4,257.87$3,484.63Data Not Available$3,861.79$5,312.09$2,789.03$5,973.33$2,171.06
Arizona$3,770.97$4,904.10Data Not Available$5,000.08$2,264.71Data Not Available$3,496.08$3,577.50$4,756.25$3,084.74$3,084.29
California$3,688.93$4,532.96Data Not Available$4,998.78$2,885.65$3,034.42$4,653.19$2,849.67$4,202.28$3,349.54$2,693.87
Colorado$3,876.39$5,537.17$3,733.02$5,290.24$3,091.69$2,797.74$3,739.47$4,231.92$3,270.77Data Not Available$3,338.87
Connecticut$4,618.92$5,831.60Data Not AvailableData Not Available$3,073.66$7,282.87$3,672.34$4,920.35$2,976.24$6,004.29$3,190.00
District of Columbia$4,439.24$6,468.92Data Not AvailableData Not Available$3,692.81Data Not Available$4,848.98$4,970.26$4,074.05Data Not Available$2,580.44
Delaware$5,986.32$6,316.06Data Not AvailableData Not Available$3,727.29$18,360.02$4,330.21$4,181.83$4,466.85$4,182.36$2,325.98
Florida$4,680.46$7,440.46Data Not AvailableData Not Available$3,783.63$5,368.15$4,339.60$5,583.30$3,397.67Data Not Available$2,850.41
Georgia$4,966.83$4,210.70Data Not AvailableData Not Available$2,977.20$10,053.44$6,484.90$4,499.22$3,384.88Data Not Available$3,157.46
Hawaii$2,555.64$2,173.49Data Not Available$4,763.82$3,358.86$3,189.55$2,551.83$2,177.93$1,040.28Data Not Available$1,189.35
Iowa$2,981.28$2,965.86$3,021.81$2,435.72$2,296.16$4,415.28$2,735.44$2,395.50$2,224.51$5,429.38$1,852.57
Idaho$2,979.09$4,088.76$3,728.79$3,168.28$2,770.68$2,301.51$3,032.19Data Not Available$1,867.96$3,226.29$1,877.61
Illinois$3,305.48$5,204.41$3,815.31$4,605.20$2,779.16$2,277.65$2,711.81$3,536.65$2,344.88$2,499.76$2,770.21
Indiana$3,414.97$3,978.81$3,679.68$3,437.55$2,261.07$5,781.35Data Not Available$3,898.00$2,408.94$3,393.75$1,630.86
Kansas$3,279.62$4,010.23$2,146.40$3,703.77$3,220.65$4,784.42$2,475.59$4,144.38$2,720.00$4,341.43$2,382.61
Kentucky$5,195.40$7,143.92Data Not AvailableData Not Available$4,633.59$5,930.97$5,503.23$5,547.63$3,354.32$6,551.68$2,897.89
Louisiana$5,711.34$5,998.79Data Not AvailableData Not Available$6,154.60Data Not AvailableData Not Available$7,471.10$4,579.12Data Not Available$4,353.12
Maine$2,953.28$3,675.59Data Not Available$2,770.15$2,823.05$4,331.39Data Not Available$3,643.59$2,198.68$2,252.97$1,930.79
Maryland$4,582.70$5,233.17Data Not AvailableData Not Available$3,832.63$9,297.55$2,915.69$4,094.86$3,960.87Data Not Available$2,744.14
Massachusetts$2,678.85$2,708.53Data Not AvailableData Not Available$1,510.17$4,339.35Data Not Available$3,835.11$1,361.86$3,537.94$1,458.99
Michigan$10,498.64$22,902.59Data Not Available$8,503.60$6,430.11$20,000.04$6,327.38$5,364.55$12,565.52$8,773.97$3,620.00
Minnesota$4,403.25$4,532.01$3,521.29$3,137.45$3,498.54$13,563.61$2,926.49Data Not Available$2,066.99Data Not Available$2,861.60
Missouri$3,328.93$4,096.15$3,286.90$4,312.19$2,885.33$4,518.67$2,265.35$3,419.14$2,692.91Data Not Available$2,525.78
Mississippi$3,664.57$4,942.11Data Not AvailableData Not Available$4,087.21$4,455.94$2,756.53$4,308.85$2,980.48$3,729.32$2,056.13
Montana$3,220.84$4,672.10Data Not Available$3,907.55$3,602.35$1,326.11$3,478.26$4,330.76$2,417.74Data Not Available$2,031.89
North Carolina$3,393.11$7,190.43Data Not AvailableData Not Available$2,936.69$2,182.71$2,848.03$2,382.61$3,078.65$3,132.66Data Not Available
North Dakota$4,165.84$4,669.31$3,812.40$3,092.49$2,668.24$12,852.83$2,560.35$3,623.06$2,560.53Data Not Available$2,006.80
Nebraska$3,283.68$3,198.83$2,215.13$3,997.29$3,837.49$6,241.52$2,603.94$3,758.01$2,438.71Data Not Available$2,330.78
New Hampshire$3,151.77$2,725.01Data Not AvailableData Not Available$1,615.02$8,444.41$2,491.10$2,694.45$2,185.46Data Not Available$1,906.96
New Jersey$5,515.21$5,713.58Data Not Available$7,617.00$2,754.94$6,766.62Data Not Available$3,972.72$7,527.16$4,254.49Data Not Available
New Mexico$3,463.64$4,200.65Data Not Available$4,315.53$4,458.30Data Not Available$3,514.38$3,119.18$2,340.66Data Not Available$2,296.77
Nevada$4,861.70$5,371.62$5,441.18$5,595.56$3,662.09$6,201.55$3,477.14$4,062.57$5,796.34$5,360.41$3,069.07
New York$4,289.88$4,740.97Data Not AvailableData Not Available$2,428.24$6,540.73$4,012.93$3,771.15$4,484.58$4,578.79$3,761.69
Ohio$2,709.71$3,197.22$1,515.17$3,423.01$1,867.19$4,429.74$3,300.89$3,436.96$2,507.88$3,135.16$1,478.46
Oklahoma$4,142.33$3,718.62Data Not Available$4,142.40$3,437.34$6,874.62Data Not Available$4,832.35$2,816.80Data Not Available$3,174.15
Oregon$3,467.77$4,765.95$3,527.28$3,753.52$3,220.12$4,334.55$3,176.83$3,629.13$2,731.48$2,892.19$2,587.15
Pennsylvania$4,034.50$3,984.12Data Not AvailableData Not Available$2,605.22$6,055.20$2,800.37$4,451.00$2,744.23$7,842.47$1,793.37
Rhode Island$5,003.36$4,959.45Data Not AvailableData Not Available$5,602.63$6,184.12$4,409.63$5,231.09$2,406.51$6,909.45$4,323.98
South Carolina$3,781.14$3,903.43Data Not Available$4,691.85$3,178.01Data Not Available$3,625.49$4,573.08$3,071.34Data Not Available$3,424.77
South Dakota$3,982.27$4,723.72$4,047.47$3,768.80$2,940.29$7,515.99$2,737.66$3,752.81$2,306.23Data Not AvailableData Not Available
Tennessee$3,660.89$4,828.85Data Not Available$3,430.07$3,283.42$6,206.69$3,424.96$3,656.91$2,639.30$2,738.52$2,739.28
Texas$4,043.28$5,485.44$4,848.72Data Not Available$3,263.28Data Not Available$3,867.55$4,664.69$2,879.94Data Not Available$2,487.89
Utah$3,611.89$3,566.42$3,698.77$3,907.99$2,965.57$4,327.76$2,986.57$3,830.10$4,645.83Data Not Available$2,491.10
Virginia$2,357.87$3,386.80Data Not AvailableData Not Available$2,061.53Data Not Available$2,073.00$2,498.58$2,268.95Data Not Available$1,858.38
Vermont$3,234.13$3,190.38Data Not AvailableData Not Available$2,195.71$3,621.08$2,128.21$5,217.14$4,382.84Data Not Available$1,903.55
Washington$3,059.32$3,540.52$3,713.02$2,962.00$2,568.65$3,994.73$2,129.84$3,209.52$2,499.78Data Not Available$2,262.16
West Virginia$2,595.36$3,820.68Data Not AvailableData Not Available$2,120.80$2,924.39Data Not AvailableData Not Available$2,126.32Data Not Available$1,984.62
Wisconsin$3,606.06$4,854.41$1,513.27$3,777.49$3,926.20$6,758.85$5,224.99$3,128.91$2,387.53Data Not Available$2,975.74
Wyoming$3,200.08$4,373.93Data Not Available$3,069.35$3,496.56$1,989.36$3,187.20$4,401.17$2,303.55Data Not Available$2,779.53
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As you can see, USAA and GEICO have the cheapest auto insurance rates, but you’ll need to shop around and compare quotes to find the cheapest auto insurance for your needs.

#2 – Does GEICO offer discounts for teachers?

No, there is currently no GEICO insurance teacher discount. However, the company offers discounts of up to eight percent for people who are members of various organizations.

If a teacher is a member of a participating organization, they may qualify for a discount.

Additionally, the car insurance company may automatically offer lower rates to teachers than if you work in another field. Take a look at this table to see what we mean.

Geico Average Rates by Occupation
OccupationGeico Monthly RateGeico 6-Month RateGeico Annual Rate
Teacher/Dean/Education Degree$151.00$906.00$1,812.00
Farm Manager, Owner$157.98$947.90$1,895.80
Student$157.98$947.90$1,895.80
Actor$165.33$992.00$1,984.00
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As you can see, GEICO offers lower rates to a Psychiatrist, for example, than to a teacher, but teachers will receive more affordable rates than farmers, students, actors, etc.

#3 – Where can I find cheap home insurance for teachers?

Like auto insurance, your best bet for finding cheap home insurance is to shop around. Home insurance teacher discounts may be available from some insurance companies, so make sure to speak with a licensed agent to find out what they offer.

#4– Where can I find affordable vehicles for teachers?

Car offers for teachers vary by company, but some vehicle manufacturers, like GM, actually offer discounts to teachers looking to purchase affordable vehicles.

Ready to buy auto insurance for teachers? Get a free quote on car insurance for teachers with your ZIP code right now.

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