Car Insurance Discounts for Teachers

Name: Car Insurance Discounts for Teachers
Item: Car Insurance Discounts for Teachers
Author: Mark Fitzpatrick

If you are a teacher, you may qualify for a discount for auto insurance through some companies. You can contact your insurer to determine if the company offers this type of discount. Depending on the insurance company, you may get significant savings on accidents. Some offer coverage for school property if it is stolen from your vehicle.

By Mark Fitzpatrick

Updated: May 20, 2024

Advertising & Editorial Disclosure

Some companies offer car insurance discounts for teachers. This type of discount can include a percentage off of your annual premium. Some companies include coverage for school property in your car.

Not all teachers may find a discount option through their insurers. There are other ways to lower insurance costs, like asking about discount options for behavior like safe driving or bundling insurance types like home and auto through the same insurer.

Teachers' Auto Insurance Discount
Other Discounts for Teachers
Ways to Save on Premiums
Frequently Asked Questions

Why Trust MoneyGeek? MoneyGeek examined several major companies that provide auto insurance discounts for teachers to help them find the best deals around. Our study also contains information from insurers that do not currently provide specific discounts in order to provide other means for teachers to save money on premiums. Furthermore, to ensure the accuracy and usefulness of the information we provide, this guide was written by a subject matter expert and went through a multi-step process of writing, fact-checking and editorial review.

Companies That Offer Auto Insurance Discounts for Teachers

Teachers looking for a way to lower insurance rates can sometimes qualify for occupational discounts specifically for educators. Not all companies offer this type of discount. Among those that do are Country Financial, Farmers, GEICO, Liberty Mutual and Mercury. You can also ask your insurance carrier if they have a special discount for you.

Teachers’ Auto Insurance Discounts

Company With Teacher Discount	Location	Description
GEICO	Nationwide (All states, including Washington D.C.)	GEICO offers affinity-based discounts. Teachers can find out if they qualify for a discount based on affiliation to one of the company’s partner organizations.
Horace Mann	Nationwide	Horace Mann caters to teachers and educators by offering significant discounts. Members of some education-related associations may also qualify
Liberty Mutual	Nationwide (All states, including Washington D.C.)	Liberty Mutual offers discounts based on profession. Teachers may qualify for the company’s exclusive savings opportunity.
Country Financial	19 states, including AL, AK, AZ, CO, GA, ID, IL, IN, IA, KN, MN, MO, NV, ND, OK, OR, TN, WA, WI	Country Financial offers an occupation discount to eligible policyholders. Teachers qualify if they are full-time K–12 teachers.
Farmers	38 states, including 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 for members of certain teacher professional groups or occupations.
Mercury	11 states, including 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. There’s no requirement to be a member of certain professional organizations or work for certain schools.
Alfa	3 states, including AL, GA, MS	Alfa insurance policyholders may qualify for a teacher car insurance discount if they are full-time teachers or professors employed by a college, university or a public, private or vocational school.
Educators Insurance Agency	MA	Educators Insurance Agency, a subsidiary of The Hanover, partnered with the Massachusetts Teachers Association (MTA) to offer an exclusive insurance discount of up to 10% to MTA members and their families.
Meemic	4 states, including GA, IL, MI, WI	Meemic offers career-specific discounts that allow teachers to save up to 35%. The newly-certified teacher discount is available to teachers for the first seven years after certification.
Plymouth Rock Assurance	6 States, including CT, MA, NH, NJ, NY, PA	The company focuses on insurance for members of the educational community in New Jersey, and offers auto insurance in five other states. The Teachers’ Insurance Plan covers early childhood education to high school teachers.

Other Car Insurance Discounts Teachers Can Use

Aside from occupation-specific discounts, teachers can use other available offers to lower their insurance premiums. Some other car insurance discounts include behavior-based, loyalty-based or even telematics-based offers.

Other Discounts For Teachers

Discount	Best For
Customer Loyalty Discount	Discounts for policyholders who have been insured by the same company for a certain number of years Best for teachers who have been insured continually by a company that offers this option
Accident-Free Good Driver Discount	Companies reward drivers who have remained accident-free for a certain number of years Driver should have no accidents, violations or major comprehensive claims Best for teachers who maintain a clean driving record and practice safe driving
Driver's Education	Saving opportunity for drivers who have completed a state-approved driver’s education course Companies may have an age requirement, which is typically 21 years old or younger Best for teachers who are looking to save money on their children’s auto insurance rates
Vehicle and Safety Equipment Discount	Certain types of vehicle equipment can help you get a discount Typically includes airbags, anti-lock brakes, anti-theft systems, daytime running lights, VIN etching and other advanced safety systems Best for teachers who have safety equipment installed in their vehicles
Pay-in-Full	Pay bills in full instead of monthly to get a discount Often applied to policyholders paying in lump sum (annually or every six months) Best for teachers who can settle premiums for six months or a year

Other Ways to Get Cheaper Car Insurance Premiums as a Teacher

Car insurance deals for teachers are among a variety of options to get more affordable car insurance rates. You can also find great deals by taking the following actions.

Shopping Around for Quotes

Comparing prices from different insurers can help you find the cheapest car insurance and the right coverage. You can use MoneyGeek’s quote tool to get started.

Bundle Your Policies

Consider bundling different insurance policies. For instance, you can bundle your auto and home insurance by getting them from the same insurance company.

Increase Your Deductible

Your deductible refers to the money you pay out-of-pocket when filing a claim. A higher deductible can lower your insurance premiums, but you may pay more after a collision.

Pay-Per-Mile Insurance

If you drive infrequently, consider pay-per-mile car insurance. You only pay insurance premiums based on your car usage with this insurance type. This option is good if you drive less than 12,000 miles per year.

Drop Unnecessary Coverage

According to experts, it is practical to drop comprehensive coverage if your premiums are worth more than 10% of your vehicle’s value. It’s smart to calculate how much car insurance you need to prevent being underinsured.

Frequently Asked Questions

MoneyGeek answers some of the most common questions about car insurance deals for teachers to help you better understand your options and find ways ways to save money on auto insurance.

What are car insurance discounts for teachers?

There are various occupation-based discounts specifically catering to teachers. There are other types of discounts teachers can also take advantage of, including those for:

Customer Loyalty
Accident-Free Good Driver
Driver education
Vehicle and Safety Equipment
Full Payment

What companies offer discounts for teachers?

Not all companies offer car insurance discounts for teachers. You can check with your insurance carrier to find out if discounts are available. Companies that offer teacher discounts are Country Financial, Farmers, GEICO, Liberty Mutual, Mercury, Alfa, Horace Mann, Meemic, Plymouth Rock Assurance and The Hanover.

About Mark Fitzpatrick

Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.

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sources

Country Financial. "Car Insurance Discounts." Accessed April 27, 2022.
MTA Benefits. "Educators Insurance Agency." Accessed May 9, 2023.
GEICO. "Car Insurance Discounts." Accessed April 27, 2022.
Horace Mann. "Auto Insurance." Accessed April 27, 2022.
Liberty Mutual Insurance. "Car Insurance Discounts." Accessed April 27, 2022.
Meemic. "Auto Insurance – Educator Benefits." Accessed April 27, 2022.
Plymouth Rock Assurance. "Teachers Car Insurance Discounts." Accessed April 27, 2022.