Is there such a thing as cheap auto insurance for teachers?

Teachers can sometimes get lower-than-average rates for car insurance. Here's how to find affordable car insurance for teachers

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Written by Rachel Bodine
Feature Writer Rachel Bodine

Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker

UPDATED: Jun 20, 2022

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Things to Remember...

  • Teachers can often get lower rates for car insurance because of the nature of their job
  • Many insurance companies offer discounts to teachers
  • Shopping online for auto insurance can help you find affordable rates as a teacher

Teachers can sometimes get lower-than-average rates for car insurance. So if you’re a teacher and want cheap car insurance coverage, you may be able to find surprisingly low rates.

Teachers can sometimes find cheap rates based on their occupation, and many insurance companies provide specific discounts to teachers that can lower their car insurance rates even more. There are also options for car insurance discounts for teachers.

Can teachers get cheap car insurance?

In many cases, teachers can get car insurance for cheaper rates than most other drivers. However, the amount you pay for car insurance as a teacher ultimately depends on several factors, such as your:

  • Age
  • Gender
  • Driving history
  • Credit score
  • Car make and model
  • ZIP Code
  • Coverage types

Some insurance companies automatically factor your occupation into your rates. If your company does this, and you let the company know you’re a teacher, you’ll likely get rates up to 10% lower than average.

Companies tend to offer lower rates to people whose jobs seem less risky when driving. For instance, a teacher’s car insurance rates will likely be lower than a doctor’s because a doctor’s hours are often long and irregular, making them more likely to get in a car accident when driving to or from work.

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How much is car insurance for teachers?

Auto insurance rates for teachers vary. In certain areas in the U.S., insurance rates are higher due to living costs, so relying on a nationwide average isn’t easy.

Still, an average can give you a good idea of how much you’ll pay compared to individuals with other occupations.

The table below shows the average annual auto insurance rates for people with different jobs.

Average Annual Auto Insurance Costs by Occupation
OccupationAverage Annual RatesSavings vs. Unemployed Auto Insurance Rates
Unemployed$1,417--
Other$1,416$1
Proprietor$1,416$1
Civil Servant$1,410$6
Manager$1,402$14
Law Enforcement$1,388$28
Teacher$1,388$29
Firefighter$1,385$31
Doctor$1,382$34
Scientist$1,382$35
Lawyer$1,381$36
Engineer$1,381$36
Military$1,374$43
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As you can see, teachers pay less than most other occupations and tend to pay around $40 less per year than unemployed policyholders.

What are the best insurance companies for teachers?

If you’re a teacher, you’ll need to research before deciding on the best companies for car insurance. While one teacher may get surprisingly low rates with a specific company, you may find cheaper rates with a different company.

Some companies offer competitive auto insurance rates for teachers, including:

  • Liberty Mutual
  • Horace Mann
  • Meemic
  • California Casualty
  • Plymouth Rock
  • Progressive
  • Nationwide
  • Allstate
  • Farmers
  • USAA

While some of the companies listed above simply offer discounts on car insurance for teachers, other companies have specific coverage options only available to teachers for a lower cost.

For example, Horace Mann offers a package specifically for educators that includes:

  • New car replacement coverage
  • Roadside assistance
  • A waived deductible for an accident or vandalism if it occurs on school property
  • Pet injury coverage
  • Coverage for teaching tools or items that get stolen from your vehicle

You may find that your current insurance provider offers special coverage options or packages to educators. However, if you’re unsure whether you have already received discounts as a teacher, call your insurance company and speak to a representative.

How much can teachers save with discounts on car insurance?

Car insurance discounts for teachers amounts vary. While some discounts save policyholders around 5% on their monthly or annual rates, other discounts lower rates as much as 45%.

Car insurance companies offer several different options for discounts. Some of the most common discounts on car insurance include:

Common Auto Insurance Discounts Offered by Insurance Companies
Vehicle DiscountsDriver/Customer DiscountsPersonal Discounts
Active Disabling DeviceClaim FreeEmergency Deployment
Adaptive Cruise ControlContinuous CoverageFamily Legacy
Adaptive HeadlightsDefensive DriverFamily Plan
Anti-Lock BrakesDriver's EducationFederal Employee
Audible AlarmDriving Device/AppFurther Education
Automatic BrakingEarly SigningGood Student
Blind Spot WarningFull PaymentHomeowner
Daytime Running LightsGood CreditLife Insurance
Economy VehicleLoyaltyMarried
Electronic Stability ControlMultiple PoliciesMembership/Group
Farm/Ranch VehicleMultiple VehiclesMilitary
Forward Collision WarningNew Customer/New PlanNew Address
Garaging/StoringOccasional OperatorNew Graduate
Green/Hybrid VehicleOnline ShopperNon-Smoker/Non-Drinker
Lane Departure WarningOn-Time PaymentsOccupation
Newer VehiclePaperless/Auto BillingRecent Retirees
Passive RestraintPaperless DocumentsStable Residence
Utility VehicleRoadside AssistanceStudent Away
Vehicle RecoverySafe DriverStudent or Alumni
VIN EtchingSeat Belt UseVolunteer
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Some insurance companies don’t offer many auto insurance discounts, so it’s important to realize which companies offer the options you want before making any coverage commitments.

Most car insurance discounts for teachers help educators save anywhere from 10% to 20% on coverage. You can do some research to learn which companies offer the best discount car insurance for teachers.  

However, discount car insurance for teachers isn’t the only way to save money on car insurance. Shopping online and comparing auto insurance quotes can also help educators save a lot on insurance premiums.

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Online Auto Insurance Quotes for Teachers

Shopping online for cheap quotes is a great way for teachers, and anyone, to save money on auto insurance. When comparing quotes online, you’ll discover which companies in your area offer competitive rates based on the coverage you want.

Get quotes from several different companies near you. Don’t just stick with the big names in insurance — you may find that local insurance providers offer lower rates for teachers.

Once you narrow your search down to a few options, call each company and ask about options for discounts that could lower your insurance rates. You never know how much you could end up saving.

Cheap Car Insurance for Teachers: The Bottom Line

Teachers can find cheap car insurance quotes. Some companies that factor a person’s occupation into their auto insurance rates automatically offer teachers lower premiums because of the nature of their jobs.

You can search your area to see if any companies known for offering low rates to teachers can provide you with cheap car insurance rates on coverage. Don’t forget to shop online and compare car insurance quotes with multiple companies to find the perfect fit.

Finding cheap car insurance for teachers can take a while, but doing research could help you save a lot of money on coverage.

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