Best Car Insurance Rates and Discounts for Teachers (2025)
If you’re a teacher, you might qualify for exclusive discounts on your car insurance coverage.
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Many insurance companies offer discounts that can help lower your premiums. Some companies offer special discounts or deductible waivers for teachers at the K–12 level or for college and university professors.
On average, U.S. teachers pay around $199 per month for full-coverage car insurance, which is less than the national average of $210. Educators also pay lower rates for liability-only insurance, at around $98 per month compared to the national average of $103.
Here’s what you need to know about finding cheap car insurance as a teacher, including available discounts, how to compare quotes, and more.
Cheapest car insurance for teachers
If you’re an educator searching for cheap car insurance, the following companies offer some of the cheapest car insurance for U.S. drivers. Compare average liability-only insurance rates below.
Companies with car insurance discounts for teachers
While the above insurers offer affordable liability-only coverage, some companies also provide teacher-specific discounts. Keep in mind that the best company for you will offer the coverage you need at a price you can afford.
Even if a company has a professional discount, you might be able to find cheaper coverage elsewhere. That’s why it’s essential to get quotes from different car insurance companies to find a budget-friendly auto insurance policy.
To help you compare your options, here are some of the top auto insurance companies offering educator discounts.
Horace Mann
Discount: Not disclosed
Horace Mann, a financial services company dedicated to helping educators, offers a professional discount for teachers and administrators who want to reduce their auto insurance costs. The insurer doesn’t provide information about discount specifics or amounts.
Still, it could be worth considering a Horace Mann auto policy if you’re a teacher in one of the 45 states where this insurer does business. Educators in Hawaii, Kentucky, Mississippi, New Jersey, and New York will need to look elsewhere.
Meemic
Discount: Up to 50%
Meemic Insurance Company — an AAA-affiliated company — exclusively provides home and auto coverage for educators and other school employees in Illinois, Michigan, Wisconsin, and Georgia.
The company has a newly certified teacher discount for the first seven years following your initial certification. And the company says retired teachers can earn up to 50% off on vehicle coverage. Specifics may vary by state.
Tips for teachers to get cheaper car insurance rates
Even if you don’t qualify for a dedicated teacher discount or deductible waiver, you can find cheap car insurance rates. Here are some helpful strategies for getting the best rates:
Compare rates. The best way to find cheap coverage is to compare rates from different companies. This process could save you hundreds in car insurance costs annually. Many insurance companies offer online quotes, making it easy to get insight into your rates. Or, you can use an insurance-comparison site to compare multiple quotes at once.
Look for other auto insurance discounts. Many auto insurers offer several discounts. You can get discounts for bundling multiple insurance products, maintaining a good driving record, insuring multiple cars, owning a home, and more. Explore other discounts for additional savings.
Focus on maintaining a clean record. Your driving record can affect your insurance rates significantly. People with a clean record typically get lower rates, while drivers with a history of at-fault accidents, speeding tickets, or other incidents have higher insurance rates. Abide by the rules of the road and be alert when you’re behind the wheel to keep your insurance prices low.
Increase your deductible. Opting for a higher car insurance deductible could result in lower monthly premiums. If you’re comfortable with paying more in the event of a covered claim, ask your insurance company if you can increase your deductible.4
Car insurance for teachers FAQs
If you’re an educator who wants more affordable auto insurance, the following information can help answer your remaining questions about coverage and discount options.
Do teachers get cheaper insurance?
It’s possible you could get cheaper car insurance if you’re a teacher. Many auto insurers offer special benefits and discounts for educators, though your insurance rates will depend on several factors unrelated to your profession.
Insurers will consider your location, driving history, vehicle type, annual mileage, gender, and age when determining the cost of your coverage.
Does GEICO have a teacher discount?
Not specifically. GEICO doesn’t offer a general teacher discount, but it may offer one if you belong to a certain educational organization. For instance, members of the California Association for the Education of Young Children and Howard University alumni association members, faculty, and staff are eligible for a discount.
Does Progressive have a teacher discount?
No. Progressive doesn’t offer a teacher discount for car insurance. The company does offer several other discounts, including multi-policy, good driver, homeowner, and multi-car discounts.
What is the cheapest car insurance for teachers?
State Farm, GEICO, and Allstate all offer affordable car insurance coverage for teachers. But your insurance costs will vary depending on several things, including your driving history, age, location, the type of car you drive, and your gender.
Seeking out insurers that offer special discounts for teachers or other easy-to-get discounts can help you get cheaper coverage.
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