There are over 3.2 million teachers between public and private schools in the U.S. according to the National Center for Education Statistics, which means there are millions of educators working daily to improve the quality of education for countless students. One of the benefits of being an educator is often being able to save on car insurance for teachers. Not only are there policies from some carriers geared specifically towards educators and their unique needs, but there are discounts available that teachers could take advantage of to lower premiums.
Best car insurance for teachers
A teacher might want specialized coverage for their auto policy. When a teacher has a vehicle on school property or at a school function, additional coverage options or limits could be beneficial and provide a more well-rounded policy for educators. There are insurance carriers who offer teachers car insurance for these unique circumstances.
California Casualty offers auto policies specifically for educators in almost all states, in addition to California. In some states, the educators policy allows for a $0 deductible if a teacher or administrator’s car is vandalized or hit while on school property or at an administrative office.
California Casualty includes other benefits in its auto policy, including identity theft restoration, if you fall victim to fraudulent activity. Additionally, policy coverage automatically extends to anyone who drives your car, as long as you have given permission. The policies even include up to $2,000 in custom equipment coverage if you have made modifications to your vehicle.
Learn more: California Casualty Insurance review
Horace Mann is another carrier offering policies for educators. The Educator Advantage® provides benefits such as transportation reimbursement up to $35 if you feel you can not drive home safely. Reimbursement is also provided to teachers for the cost of a replacement car if your new car is declared a total loss by the carrier from an accident.
Like some other carriers, the educator’s policy with Horace Mann has a $0 deductible if your car is vandalized, stolen or in a collision while on school property or at a school-sponsored activity. The company offers additional coverage like emergency road service insurance and liability coverage when transporting students in your insured car.
Liberty Mutual offers a teacher-specific policy. This policy includes several additional coverage options a teacher might find beneficial, including:
- Vandalism loss protection: In most states, you can have a $0 deductible if your vehicle is vandalized while it’s on school property or if you are at a school-related event.
- Personal property coverage: This coverage provides up to $2,500 reimbursement per occurrence if your teaching materials or school-owned property is damaged or stolen while in your vehicle.
- Collision coverage: You could have a $0 deductible if you are in a collision while driving during school-related activities or business and your vehicle is damaged.
Learn more: Liberty Mutual Insurance review
Cheapest car insurance for teachers
Like most people, many teachers want to find the cheapest possible rates for good auto insurance. A solid insurance policy is important for teachers, who need to be able to get to school events as well as drive to school every morning, rain or shine.
Although almost every state — aside from New Hampshire and Virginia — has minimum insurance requirements. Teachers should consider getting full coverage, which also includes collision and comprehensive insurance. This more robust policy will pay for damages to your vehicle in the event of a covered accident, whereas liability insurance only covers damage and injury caused to others.
Although your rate will vary depending on personal factors and the insurer you choose, below is a comparison of average full coverage insurance rates from some of the cheapest U.S. insurers.
|Car insurance company||Average monthly full coverage premium||Average annual full coverage premium|
*Only available to active military, veterans and their family members
Car insurance discounts for teachers
As an educator, you work hard for your earnings and you want them to stretch as far as possible. This means not overpaying for your auto insurance. Fortunately, there are multiple auto insurance discounts for teachers, even if you do not have an educator-specific policy.
- Affinity discount: Some carriers offer discounts if you are affiliated with educator and educational groups. You can often find additional discounts if you are a member of educator organizations such as the Association of American Educators or Association of Teacher Educators.
- Good grades discount: Your students may not be the only ones able to earn rewards for getting good grades. Many teachers are furthering their own education with advanced degrees or certifications. You may be eligible for a good grades discount if you are able to maintain a certain grade point average.
- Loyalty discount: Most carriers offer additional savings when you remain loyal and renew your policy year after year.
- Bundling discount: Almost all carriers offer a bundling discount if you purchase both your auto and home, renters or condo insurance together.
Tips for finding the best car insurance as a teacher
As a teacher, you want the best possible car insurance you can find so that you have the most financial protection in case the unexpected happens while behind the wheel. Here are a few ways to get the best coverage at the cheapest price.
- Shop around: Don’t assume that the first quote you receive is the lowest possible one. Each insurer has a slightly different method of determining premiums, so you may find a better price by collecting several quotes.
- Consider mileage: Many teachers drive long miles to work and school activities, while others have short commutes or none at all if they are teaching virtually. If your daily commute is less of a factor, consider pay-per-mile insurance rather than traditional coverage, since low-mileage drivers could save significantly on premium costs.
- Reward good behavior: Teachers who are safe, responsible drivers can typically find additional savings. Usage-based insurance uses telematics technology to monitor your driving in real time. If you prove to be a good driver, your insurer can reward you with safe driving discounts on your premium.
- Get the right optional coverages: As a teacher, maintaining the right levels of coverage to drive your car is important in staying financially protected. Consider optional coverage such as roadside assistance or rental car reimbursement, so you can get to school even if your car can’t.
Frequently asked questions
What is the best insurance company?
The best insurance company depends on what attributes are most important to you and your circumstances. It helps to consider factors such as customer service ratings, financial strength of the carrier, coverage options and available discounts to find the best option for you.
How much will I pay for auto insurance?
Your rates are determined by a number of personal factors, including your driving history and vehicle make and model. Rates vary from one carrier to another, so determining your exact rate can be figured out by collecting quotes and speaking to a licensed agent to finalize the insurance buying process. Bankrate reviewed quotes from numerous carriers and found the average cost of insurance for minimum coverage nationwide is $565 per year, while full coverage averages $1,674 per year.
How can I pay the least expensive premiums?
Cheap car insurance for teachers is possible while still obtaining adequate levels of coverage, but it means you need to do a little bit of homework. Fortunately, getting quotes from multiple carriers is an easy way to compare rates and discounts offered for the coverage you need. Be sure to review all available discounts, as there might be ones available you are unaware of, but can add significant savings to your policy.
Why would insurance companies give discounts to teachers?
A variety of personal factors are taken into consideration when you are applying for auto insurance and occupation may be one of them. Some insurance carriers offer discounts to a number of professions, from military and federal employees to law enforcement and teachers. Since insurance carriers are in the business of risk, it is likely that teachers are considered less risky to insure and therefore, many carriers are able to offer additional discounts.
Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $50,000 property damage liability per accident
- $100,000 uninsured motorist bodily injury per person
- $300,000 uninsured motorist bodily injury per accident
- $500 collision deductible
- $500 comprehensive deductible
To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.
These are sample rates and should only be used for comparative purposes.