UPDATED: Aug 26, 2020
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|Things to Know||Source|
|Teachers make an average of $59,420/yr||U.S. Department of Labor|
|Teachers may benefit from occupation, organizational affiliation, and education level discounts (among others)||Various Insurance Companies|
|Companies like Plymouth Rock offer teachers' insurance plans, not just discounts||Plymouth Rock Insurance|
Teachers today play a vital role in our society, just as they’ve done for thousands of years. Some may say teachers aren’t as highly regarded as they once were, and I think we can all agree that teachers should be much more handsomely rewarded for the service they provide to the community and society as a whole. That’s not to say that there aren’t still many benefits to be reaped.
One of these benefits is auto insurance discounts, one of the things that can affect your auto insurance costs. Looking for cheap auto insurance for teachers? Auto insurance discounts for teachers can help lower your rates.
Continue reading below for more information on auto insurance discounts for teachers and educators, including: why teachers are eligible for discounts, special insurance discounts for driving on school-related business, insurance companies specifically for teachers, which insurance companies offer discounts, and how you, as a teacher, can buy auto insurance.
Before we get started, why not use your ZIP code to get a free quote on auto insurance so you can start comparing rates to find car insurance deals for teachers.
Auto Insurance for Teachers
According to the United State Department of Labor, teachers make an average of $59,420 per year across the country. It’s important to remember this is an average, so what you make where you live may vary quite dramatically. To help teachers meet the needs of their students as well as be able to live comfortably, businesses in a variety of industries offer discounts.
Many businesses that are frequented by teachers offer teacher discounts. Some teacher discounts include:
- Office and school supplies
- Craft stores
- Automobile dealerships
- Cruise lines
But these don’t even begin to cover the savings of which teachers can take advantage. In fact, the places that have already been listed are insignificant in comparison to other types of teacher discounts.
Auto insurance providers in particular sometimes offer huge discounts (up to 30 percent off rates) to teachers. You could potentially be saving hundreds of dollars each year by using some of these auto insurance companies that cater to teachers.
Keep reading to learn more about teachers’ auto insurance, car discounts for teachers, teachers’ auto insurance companies in New Jersey and other states, and more.
Are there auto insurance discounts for teachers?
When you’re looking for cheap auto insurance for teachers, discounts are a great place to start.
I wish I could tell you that insurance companies offer these discounts to teachers out of the kindness of their hearts, but this is not the case. It all comes down the risk and liability you pose to the insurer, and teachers are simply less likely to file a claim or be involved in a collision.
Your occupation actually plays a much larger role than you’d think in determining your auto insurance rates. Teachers are known to be cautious, patient, and are often required to live in close proximity to their work. There are actually countless reasons why teachers make great drivers, and the insurance companies know this better than anyone.
Teachers aren’t the only professionals that are presented with discounts, however. Check out how you can get auto insurance discounts from your job to see other occupations that are given breaks on their auto insurance.
Do teachers receive special insurance discounts when using their vehicle for school-related business?
Teachers enjoy a number of unique advantages when parked on school property. You might get a discount on your overall car insurance premiums as a teacher, but you can also get discounts on deductibles and other insurance-related expenses—especially when incidents occur on school property.
Vandalism Loss Protection: Many car 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: Teachers also receive special bonus coverage. Typically, your car insurance won’t cover items stolen out of your vehicle. This loss falls under homeowner’s insurance or renter’s insurance. However, the rules are different if you’re a teacher.
Many insurance companies offer bonus personal property coverage for teachers. If your teaching materials or school-owned property are stolen or damaged while in your vehicle, you can receive up to $1,500 or $3,000 in coverage per incident.
Collision Coverage: Some insurance companies also offer a general discount to teachers who get involved in accidents while driving for school-related reasons. If your vehicle is damaged in a collision while you’re driving the vehicle on school business, you may pay a $0 deductible, for example. Take a look at this video to learn a bit more about collision coverage.
Additional Liability Coverage When Transporting Students: Many insurance companies offer additional liability coverage to students when traveling in a teacher’s vehicle.
These discounts are available through multiple insurance companies across the United States, and they’re surprisingly common for teachers across the country. Many people—even teachers—are unaware they have special coverage options just for being a teacher.
Ask your insurance company about auto insurance discounts for teachers (they’re often labeled under different names). Geico calls their teacher discounts “Educational Organization Membership Discounts,” for example, while Esurance calls it their “Auto Insurance Discount for Certified Educators, Engineers, & Scientists.”
Are there insurance companies that specifically focus on teachers?
United States military personnel and their families can access special insurance policies through USAA. Some states and regions have similar groups and insurance policies for teachers.
This is one way to find cheap auto insurance for teachers in California, Michigan, Texas, and other states (though if you’re looking for cheap auto insurance for teachers in the UK, you should speak to licensed insurance agents in the UK).
If you’re looking for teacher’s car insurance in New Jersey, for example, then Plymouth Rock offers a special Teachers Insurance Plan with lower rates and better coverage for educators.
Some companies expand their insurance services to those in certain professions. California Casualty, for example, offers car insurance in approximately 45 states across the country, but insurance policies are only available for teachers, firefighters, police officers, and nurses.
Ask about teacher-specific insurance companies in your region to determine if special discounts are available to you. Start comparing quotes today.
Which companies offer teacher discounts?
As a result of the trust insurance companies place on teachers, insurers are more than willing to extend discounts their way. Large insurance companies like Geico, State Farm, Allstate, and Progressive all have teacher car insurance discount programs of some sort. Another example is the Farmers insurance teacher discount, from which you’ll see a 4 percent discount.
Not all companies offer discounts specifically referred to as “teacher discounts.” Take a look at this table for some of the discounts you might qualify for as a teacher, based on your education, affiliation, and occupation.
While it’s becoming less common for companies to take education level into consideration when adjusting rates (for example, it’s prohibited in New York), that doesn’t mean companies can’t offer discounts. Most teachers have college educations, so you may be able to benefit from these discounts.
Other companies like Horace Mann Insurance are designed specifically with teachers in mind. Horace Mann was coincidentally created by two high school teachers, giving them great perspective on the wants and needs of teacher drivers. Teachers.com insurance company is another example.
How do I get auto insurance quotes as a teacher?
Auto insurance quotes from these and other companies are always just a click away. To begin, enter your ZIP code above, and get an instant auto insurance quote.
No matter which auto insurance provider you choose, the fact remains: teachers can save a lot on car insurance, and taking advantage of these offers is easy. Keep in mind, it’s unlikely car insurance companies will just take your word for it. Instead, you’ll need to prove your employment. They will likely ask for pay stubs or a letter of proof of employment from your school.
If you are a teacher and are ready to take advantage of the many discounts auto insurance companies can offer you, enter your ZIP code in our free quote tool for insurance quotes from the top auto insurance companies that offer teacher discounts. You’ll find teachers’ quotes online for insurance, so you can shop at your convenience. Enter your zip code below to view companies that have cheap auto insurance rates. Secured with SHA-256 Encryption
Enter your zip code below to view companies that have cheap auto insurance rates.
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The Bottom Line for Auto Insurance for Teachers
Auto insurance for educators and teachers can be purchased from both big and specialty insurance companies. Some of the larger companies, like Esurance, offer discounts specifically for teachers, while other companies like California Casualty only offer coverage to certain job families, including teachers.
Additionally, you’ll find that teachers’ auto insurance claims are handled the same way as any other form of auto insurance claim.
Ultimately, 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 in some cases can be up to 30 percent off your rates.
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 car insurance, you’ll find it depends on where you live and a number of factors related to you personally, like your age, driving record, and credit score. To give you an idea of what rates can look like in your area, take a look at this table for average rates from some of the major insurers 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|
|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|
|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|
|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|
|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|
|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|
|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 often offer the lowest 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 not currently a Geico insurance teacher discount. However, the company does offer discounts of up to 8 percent for people that are members of various organizations, so if a teacher is a member of a participating organization, they may qualify.
Additionally, the 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|
|Farm Manager, Owner||$157.98||$947.90||$1,895.80|
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 – What is the cheapest auto insurance for students?
This depends on a variety of factors, but one thing to take into consideration is the number of discounts available for students. Different companies offer varying types of discounts and percentages for being a good student, a young driver, a distant student, and more. Speak with a licensed insurance agent to find out what discounts are offered by your insurer.
#4 – Where can I find cheap home insurance for teachers?
Like with auto insurance, your best bet for finding cheap home insurance is to shop around. Additionally, home insurance teacher discounts may be available from some insurance companies, so make sure to speak with a licensed agent to find out what may be offered.
#5 – 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 their vehicles.
Ready to get started? Get a free quote on car insurance for teachers by using your ZIP code right now.