Affordable Auto Insurance Quotes for Teachers (2023)
Auto insurance for teachers is eligible for discounts of up to 30 percent off your rates. Comparison shop with us to get quotes on car insurance with teacher discounts from multiple companies before you buy. Enter your ZIP code below to get free auto insurance quotes online.
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Tim Bain
Licensed Insurance Agent
Tim Bain is a licensed insurance agent with 23 years of experience helping people protect their families and businesses with the best insurance coverage to meet their needs. His insurance expertise has been featured in several publications, including Investopedia and eFinancial. He also does digital marking and analysis for KPS/3, a communications and marking firm located in Nevada.
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 insurance industry 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 insurance industry 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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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 teacher discount car insurance for 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 Bureau of Labor Statistics, 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. In fact, the question, “Is it cheaper to insure a new car or an old car?” is relevant for all drivers, teachers included.
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, can you get an auto insurance discount 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 providers for auto insurance 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:
- USAA
- State Farm
- Progressive
- Nationwide
- 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 auto insurance for low-income individuals
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.
What is full coverage auto insurance? 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.
Are there car insurance discounts for teachers?
When you’re looking for cheap auto insurance for educators, finding the best auto insurance discounts for you are a great place to start. There may be ways for you to get a car insurance teacher discount.
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 discount car insurance 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 car insurance with teacher discounts?
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:
Discounts Further Education Membership/Group Occupation
21st Century No No No
AAA No Yes No
Allstate No No Yes
American Family No No No
Ameriprise Yes Yes No
Amica No No No
Country Financial Yes No Yes
Esurance Yes Yes Yes
Farmers No No Yes
Geico Yes Yes Yes
Liberty Mutual Yes Yes Yes
MetLife No Yes Yes
Nationwide Yes Yes Yes
Progressive No No No
Safe Auto No No No
Safeco Yes Yes Yes
State Farm No No No
The General No No No
The Hanover Yes Yes Yes
The Hartford No Yes Yes
Travelers Yes Yes Yes
USAA No No No
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: Does auto insurance cover vandalism? 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 quotes on auto insurance 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. Finding auto insurance quotes online will be your best strategy to 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 auto insurance rate 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
What’s the best auto insurance for teachers?
The best auto insurance for teachers varies based on individual factors such as location, age, and vehicle type. Comparison shopping online is the best way to find the most affordable rates.
What are the cheapest providers for auto insurance for teachers?
Some of the cheapest auto insurance providers for teachers include Geico, State Farm, Allstate, Progressive, and Farmer’s Insurance. However, it’s important to consider coverage needs in addition to cost.
What kind of auto insurance coverage do teachers need?
Teachers need to carry at least the minimum liability coverage required by their home state. It’s recommended to have full coverage, including comprehensive and collision, for better protection.
Are there car insurance discounts for teachers?
Yes, many insurance companies offer car insurance discounts specifically for teachers. Discounts can vary, so it’s important to ask about available discounts and provide proof of employment as a teacher.
How can teachers save on auto insurance?
Teachers can save on auto insurance by comparison shopping, asking about available discounts, and maintaining a clean driving record. Shopping online and comparing quotes from different companies can help find the best rates for teachers.
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, your credit score, and understanding what is considered a clean driving record. Take a look at this table for average auto insurance rates from major insurance companies across the country.
State Average by State Annual Average Allstate Premium Annual Average American Family Premium Annual Average Farmers Premium Annual Average Geico Premium Annual Average Liberty Mutual Premium Annual Average Nationwide Premium Annual Average Progressive Premium Annual Average State Farm Premium Annual Average Travelers Premium Annual Average USAA Premium
Alaska $3,421.51 $3,145.31 $4,153.07 Data Not Available $2,879.96 $5,295.55 Data Not Available $3,062.85 $2,228.12 Data Not Available $2,454.21
Alabama $3,566.96 $3,311.52 Data 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 $5,150.03 Data Not Available $4,257.87 $3,484.63 Data Not Available $3,861.79 $5,312.09 $2,789.03 $5,973.33 $2,171.06
Arizona $3,770.97 $4,904.10 Data Not Available $5,000.08 $2,264.71 Data Not Available $3,496.08 $3,577.50 $4,756.25 $3,084.74 $3,084.29
California $3,688.93 $4,532.96 Data 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 $3,270.77 Data Not Available $3,338.87
Connecticut $4,618.92 $5,831.60 Data Not Available Data 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 $6,468.92 Data Not Available Data Not Available $3,692.81 Data Not Available $4,848.98 $4,970.26 $4,074.05 Data Not Available $2,580.44
Delaware $5,986.32 $6,316.06 Data Not Available Data 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 $7,440.46 Data Not Available Data Not Available $3,783.63 $5,368.15 $4,339.60 $5,583.30 $3,397.67 Data Not Available $2,850.41
Georgia $4,966.83 $4,210.70 Data Not Available Data Not Available $2,977.20 $10,053.44 $6,484.90 $4,499.22 $3,384.88 Data Not Available $3,157.46
Hawaii $2,555.64 $2,173.49 Data Not Available $4,763.82 $3,358.86 $3,189.55 $2,551.83 $2,177.93 $1,040.28 Data 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 $3,032.19 Data 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 $5,781.35 Data 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 $7,143.92 Data Not Available Data 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 $5,998.79 Data Not Available Data Not Available $6,154.60 Data Not Available Data Not Available $7,471.10 $4,579.12 Data Not Available $4,353.12
Maine $2,953.28 $3,675.59 Data Not Available $2,770.15 $2,823.05 $4,331.39 Data Not Available $3,643.59 $2,198.68 $2,252.97 $1,930.79
Maryland $4,582.70 $5,233.17 Data Not Available Data Not Available $3,832.63 $9,297.55 $2,915.69 $4,094.86 $3,960.87 Data Not Available $2,744.14
Massachusetts $2,678.85 $2,708.53 Data Not Available Data Not Available $1,510.17 $4,339.35 Data Not Available $3,835.11 $1,361.86 $3,537.94 $1,458.99
Michigan $10,498.64 $22,902.59 Data 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 $2,926.49 Data Not Available $2,066.99 Data 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 $2,692.91 Data Not Available $2,525.78
Mississippi $3,664.57 $4,942.11 Data Not Available Data 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 $4,672.10 Data Not Available $3,907.55 $3,602.35 $1,326.11 $3,478.26 $4,330.76 $2,417.74 Data Not Available $2,031.89
North Carolina $3,393.11 $7,190.43 Data Not Available Data Not Available $2,936.69 $2,182.71 $2,848.03 $2,382.61 $3,078.65 $3,132.66 Data 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 $2,560.53 Data 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 $2,438.71 Data Not Available $2,330.78
New Hampshire $3,151.77 $2,725.01 Data Not Available Data Not Available $1,615.02 $8,444.41 $2,491.10 $2,694.45 $2,185.46 Data Not Available $1,906.96
New Jersey $5,515.21 $5,713.58 Data Not Available $7,617.00 $2,754.94 $6,766.62 Data Not Available $3,972.72 $7,527.16 $4,254.49 Data Not Available
New Mexico $3,463.64 $4,200.65 Data Not Available $4,315.53 $4,458.30 Data Not Available $3,514.38 $3,119.18 $2,340.66 Data 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 $4,740.97 Data Not Available Data 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 $3,718.62 Data Not Available $4,142.40 $3,437.34 $6,874.62 Data Not Available $4,832.35 $2,816.80 Data 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 $3,984.12 Data Not Available Data 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 $4,959.45 Data Not Available Data 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 $3,903.43 Data Not Available $4,691.85 $3,178.01 Data Not Available $3,625.49 $4,573.08 $3,071.34 Data 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 $2,306.23 Data Not Available Data Not Available
Tennessee $3,660.89 $4,828.85 Data 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 $4,848.72 Data Not Available $3,263.28 Data Not Available $3,867.55 $4,664.69 $2,879.94 Data 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 $4,645.83 Data Not Available $2,491.10
Virginia $2,357.87 $3,386.80 Data Not Available Data Not Available $2,061.53 Data Not Available $2,073.00 $2,498.58 $2,268.95 Data Not Available $1,858.38
Vermont $3,234.13 $3,190.38 Data Not Available Data Not Available $2,195.71 $3,621.08 $2,128.21 $5,217.14 $4,382.84 Data 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 $2,499.78 Data Not Available $2,262.16
West Virginia $2,595.36 $3,820.68 Data Not Available Data Not Available $2,120.80 $2,924.39 Data Not Available Data Not Available $2,126.32 Data 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 $2,387.53 Data Not Available $2,975.74
Wyoming $3,200.08 $4,373.93 Data Not Available $3,069.35 $3,496.56 $1,989.36 $3,187.20 $4,401.17 $2,303.55 Data Not Available $2,779.53
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.
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.
Occupation Geico Monthly Rate Geico 6-Month Rate Geico 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
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.
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.
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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Tim Bain
Licensed Insurance Agent
Tim Bain is a licensed insurance agent with 23 years of experience helping people protect their families and businesses with the best insurance coverage to meet their needs. His insurance expertise has been featured in several publications, including Investopedia and eFinancial. He also does digital marking and analysis for KPS/3, a communications and marking firm located in Nevada.
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.