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Cheap Car Insurance for Teachers

Car insurance premiums are personalized to each driver, but they can be expensive depending on certain factors, like your location and age. Fortunately, some car insurance companies offer savings and profession-based discounts to people like first responders and teachers. 

If you work as an educator, you might be able to qualify for a cheaper premium.

Top car insurance companies for teachers

farmers insurance

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Our rates are based on public rate filings obtained by analytics company First Interpreter. While we may partner with some of the carriers you see on our site, we maintain editorial independence and it does not affect the rates you see. Read more about our rating methodology or see our rigorous editorial policy. 

Written by Elizabeth Rivelli

Reviewed by Alyssa DiCrasto

Last updated: February 28, 2023

What is the best car insurance for teachers?

No car insurance company can earn the title of “best” insurer for all teachers. The right carrier for you depends on criteria like your budget and coverage needs. However, it’s a good idea to choose a provider that offers teacher discounts, which could help maximize your savings. Here are a few car insurance companies that can be good options for educators.

1. Liberty Mutual

Liberty Mutual is among the biggest car insurance companies in the United States. It’s also one of the insurers that offers special coverage and car insurance discounts for teachers. Some of the unique coverages available for teachers include:

  • Vandalism loss coverage: Liberty Mutual will cover the cost of repairs if your car is vandalized on school property or during a school-related event. This coverage has a $0 deductible.
  • Personal property coverage: If your school-owned property, like a laptop, or teaching materials gets stolen or damaged in your car, Liberty Mutual will cover the items up to $2,500 per occurrence, per school year.
  • Collision coverage: If you get into an accident while driving your vehicle for a school-related purpose, you don’t have to pay a collision insurance deductible.

2. Farmers Insurance

farmers insurance

Farmers Insurance stands out for its comprehensive coverage options, with a good selection of endorsements for additional protection. Some of the add-ons you can purchase include loss of use coverage, guaranteed value coverage, customized equipment coverage, OEM coverage, spare parts coverage, accident forgiveness, and more.

In addition, Farmers offers a variety of discounts, with a special discount for teachers. You can also save money if you have a clean driving record, bundle your policies, and choose higher deductibles.

3. Meemic

Meemic is a company that exclusively sells car insurance to educators and school employees in Georgia, Illinois, Michigan, and Wisconsin. Meemic offers all the standard coverages, with several optional endorsements. The company also has 24/7 claim handling and guaranteed auto repairs after a collision.

While Meemic doesn’t offer teacher-specific discounts, the company claims that educators can save up to 50% on their auto insurance when they purchase a policy from Meemic. There are also discounts available for bundling home and auto insurance, paying in full, getting a quote one week prior to the effective date, and receiving your policy documents electronically.

Why do teachers get car insurance discounts?

There are several reasons why teachers often get car insurance discounts.

First, many of the biggest insurance companies, like Nationwide, State Farm, Geico, and Progressive, use occupation as a rating factor. Because education is often viewed as a less risky profession, teachers are more likely to pay a lower rate. While this isn’t technically a discount, some teachers will get a cheaper rate automatically if they disclose their job.

Teachers can also save money on car insurance when insurance providers offer profession-based discounts. Often, these discounts are exclusively for individuals who have an important role in working with others, such as teachers, doctors, first responders, and military personnel.

Not all car insurance companies offer these discounts, so it’s important to shop around and find insurers that offer the cheapest insurance policies for you. Don’t forget to look into both national and smaller regional insurance providers, which can have different discount opportunities.

How do I get a car insurance discount for being a teacher?

To get cheap car insurance for teachers, your best option is to look for insurers that offer educator discounts.

You can start by researching the carriers we mentioned above and see if there are other regional or local insurers that offer teacher discounts. You might also ask your school colleagues if they qualify for savings through their insurers.

As you’re doing research, you should also find out what credentials are required to claim the discount. For instance, you might need to submit a school email address, a teacher ID number, or a recent pay stub from the school that employs you.

The next step is to get a few car insurance quotes for teachers. You can either apply for quotes on individual provider websites or use a quote comparison tool, which can simplify the process. When you use Rate Retriever, you’ll get estimates of the rates you’ll pay at top companies in your area, based on the type and amount of coverage you want.

Car insurance prices are different for everyone – take our short quiz to see your best rate.

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About Rate Retriever

At Rate Retriever, our mission is to make the way you shop for insurance transparent and fair through user-friendly tools that respect your privacy and deliver reliable, comprehensive results 

So we took everything we hated about comparing insurance quotes online – the spam, the long questionnaires, the limited choices, the inaccuracy of quote prices – and threw it out the window, favoring a short form that more accurately estimates what you’ll pay at each of the top insurance providers near you. 

Rate Retriever is an independent company that is not owned by an insurance provider, nor do we provide insurance ourselves. This independence allows us to be your free and impartial insurance research tool, helping you make the best decisions for your insurance needs.  

We may earn a commission when you click one of the links or call one of the providers listed on our site; however, we do not allow our partnerships to influence which information we provide.