Car Insurance Discounts for Teachers
If you’re a K-12 educator, you could save big on auto coverage with these car insurance companies!
Written by Jacqulyn Graber
Reviewed by Kathleen Flear
K-12 teachers can qualify for
car insurance discounts
through insurance companies, including GEICO
, Horace Mann, Liberty Mutual,
Farmers, and more. Whether or not you are eligible for a discount will depend on the state that you live in. One great way to secure the very best rates on your auto insurance premium is to look for auto insurance discounts. Some of these special discounts reward
safe drivers
, others incentivize paying your premium in full
, and some offer savings to drivers based on their occupation.Fortunately, teacher discounts are quite common, with several auto insurance companies offering deals for educators across the United States.
We’ll go through which insurance providers offer teacher discounts, how significant these discounts are, and how you can lower your auto insurance rates in a few simple steps.
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4.7/5 rating on the App Store | Trusted by 5+ million customers and 7 million cars4.7/5 app rating | Trusted by 5M+ driversWhat insurance companies offer car insurance discounts for teachers?
Because car insurance coverage varies from provider to provider, not every insurance company offers occupational discounts or—more specifically— teacher car insurance discounts.
Here are the best car insurance agencies that offer specific discounts for K-12 instructors:
Car Insurance Company | Location | Description |
|---|---|---|
Alfa | AL, GA, MS | Alfa insurance policyholders may qualify for a teacher car insurance discount if they are full-time teachers or professors who are employed by a college, university, public school, private school, or vocational school. |
Country Financial | AL, AK, AZ, CO, GA, ID, IL, IN, IA, KN, MN, MO, NV, ND, OK, OR, TN, WA, WI | Teachers qualify for Country Financial’s occupational discount if they are full-time K–12 teachers. |
Educators Insurance Agency | MA | Educators Insurance Agency, a subsidiary of The Hanover, has a partnership with the Massachusetts Teachers Association (MTA) to offer an exclusive insurance discount of up to 10% to MTA members and their families. |
AL, AZ, AR, CA, CO, CN, FL, GA, ID, KS, KY, LA, MD, MA, MI, MN, MS, MO, MT, NE, NV, NJ, NM, NY, NC, ND OH, OK, OR, PA, SC, SD, TN TX, UT, VA, WA, WI | Farmers offers discounts to members of certain teacher professional groups. | |
GEICO | Nationwide | GEICO offers affinity-based discounts. Teachers can find out if they qualify for a discount based on affiliation with one of the company’s partner organizations. |
Horace Mann | Nationwide | Horace Mann Insurance caters to teachers and educators by offering significant discounts. Members of some education-related associations may also qualify. |
Liberty Mutual | Nationwide | Liberty Mutual offers discounts based on profession. Teachers may qualify for the company’s exclusive savings opportunity. |
Meemic | GA, IL, MI, WI | Meemic offers a newly-certified teacher discount that is available to teachers for the first seven years after their certification. |
Mercury | AZ, CA, FL, GA, IL, NV, NJ, NY, OK, TX, VA | Mercury offers up to a 17% discount for teachers. This is available to any educator. |
Plymouth Rock Assurance | CT, MA, NH, NJ, NY, PA | Plymouth Rock Assurance’s Teachers’ Insurance Plan covers early childhood educators to high school teachers. The company focuses specifically on insurance for members of the educational community in New Jersey. |
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How much can teachers save on auto insurance policies?
Teachers—and other members of the educational community—can qualify for auto insurance discounts of up to 15% to 35% annually to maximize their savings on vehicle coverage. Often, being part of an education association (such as the Massachusetts Teachers Association) is the best way to access the most exclusive discounts.
However, it’s important to keep in mind that only some car insurance providers offer discounts specifically for teachers. Plus, since your car insurance rates are determined by a long list of factors, the cheapest car insurance policy for you might be with a company that doesn’t offer a teacher-specific discount.
Best car insurance coverage for teachers
Regardless of your profession, it’s important to understand
your state’s minimum car insurance requirements
when you begin gathering car insurance quotes. Most states require drivers to hold certain levels of liability coverage
to ensure that you’re financially liable for any at-fault accidents that occur while you’re behind the wheel. Supplementing your liability insurance with additional insurance products is almost always a good idea. We especially recommend
collision coverage
, which helps cover the cost of damage to your vehicle in the event of an accident, and comprehensive coverage
, which helps pay for non-collision related damages, such as those resulting from theft or vandalism. How can teachers get cheaper car insurance rates?
No matter what auto insurance coverage you choose to purchase—or what car insurance company you choose to go with—there are some surefire ways to secure lower rates.
Shop around
The best car insurance policy and rates for you may come from a company that doesn’t even offer a teacher-specific discount. For example, you might find that
Progressive
offers the best rates for you, even though they’re not featured on our above list! This is because auto insurance providers each use unique algorithms that consider a variety of factors (such as your demographics, geographic location, vehicle type, driving record, and driving habits) to generate auto insurance quotes.
The coverage options you discover will also vary based on the company. For example, some providers may offer lower deductibles, while others provide perks, like roadside assistance.
Thus, collecting a variety of
car insurance
quotes from a diverse list of insurance agencies is always a great idea. If this sounds time consuming, simply download Jerry
—a personal car insurance broker app
that collects customized, free quotes from a variety of car insurance providers in less than a minute! Stack car insurance discounts
Occupational discounts aren’t the only opportunities that insurance companies offer drivers to save big. In fact, most auto insurance providers offer a long list of discounts so that drivers can access customized savings.
The best part? You can combine multiple discounts should you qualify for them, sometimes increasing your overall savings exponentially!
Here are some of the most common discounts you’ll come across:
- Good driver discount: Drivers who maintain a clean driving record for at least three to five years are often rewarded with some sort of good driver discount.
- Multi-policy discount: If you combine your car insurance with your renters, homeowners, RV, and/or motorcycle insurance, you could save.
- Multi-car discount: Those who insure multiple vehicles on the same policy are often given a financial break.
- Defensive driver discount: Enrolling in a state-approved defensive driving course could lower your car insurance premiums.
- Paid-in-full discount: Instead of paying your premium in month-to-month installments, consider paying all six months in one lump sum.
There are many more discounts available, so the simplest solution is to contact your insurance agent and ask about what discounts you might qualify for.
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FAQs
How can a teacher qualify for a car insurance discount?
Discount stipulations will vary from insurance company to insurance company. Often, you simply need to be an active K-12 educator. Other times, you need to be newly licensed. Sometimes, you need to be a member of a specific educational community.
If your insurance provider offers a teacher car insurance discount, your best bet is to call them and see how to qualify.
Do you need to prove you’re a teacher to get a discount?
Yes—your insurance provider will require some sort of documentation proving that you are an active teacher and qualify for their discount. The document(s) they require will be based on their unique discount stipulations, but examples include a copy of your teaching license, a membership card for an educational organization, or a pay stub from your school.
