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Teachers deserve support for the value they bring to the community. Many insurance companies offer auto insurance product options exclusively for teachers, educators and school staff or with discounts made specifically for them. Many of these companies also provide community support to local schools in the form of funding and educational programs.
So, if you work as a teacher and are looking for affordable car insurance, it's worth checking out these auto insurance companies that offer discounts for educators in recognition of your hard work. These exclusive discounts can help you save money on your auto insurance coverage.
Start comparison shopping today to compare insurance quotes from multiple companies for teachers. Just enter your ZIP code to find the best car insurance for teachers.
What's the best car insurance for teachers?
The table below contains companies that pass the test for teachers auto insurance. These companies either offer teachers insurance policies sold exclusively to educators, teacher car insurance discounts or other policy benefits.
| Company | Score | States company sells car insurance in |
|---|---|---|
| California Casualty | 4.25 | AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, IA, ID, IL, IN, KS, KY, LA, MD, ME, MN, MO, MS, MT, ND, NE, NH, NJ, NM, NV, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WV, WY |
| Meemic | 4.15 | IL, MI, WI |
| Alfa | 4.10 | AL, AR, GA, IN, KY, MO, MS, OH, TN, TX, VA |
| Plymouth Rock | 4.10 | CT, MA, NH, NJ, PA |
| Liberty Mutual | 3.96 | AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY |
| Horace Mann | 3.91 | AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, IA, ID, IL, IN, KS, LA, MD, ME, MI, MN, MO, MT, NC, ND, NE, NH, NM, NV, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY |
| PEMCO | 3.70 | OR, WA |
Please note that teachers insurance policies and premium discounts may not be available in all states the insurance company sells in. Company scores are up to date as of publication. If you want to see the most up-to-date car insurance scores for a company, click on the company name to visit its profile page.
What Teachers auto insurance options are available?
Some companies offer car insurance policies made specifically for teachers and members of the educational community. These teachers insurance policies have many benefits tailored specifically for educators and their needs. The following companies offer exclusive teachers auto insurance policies:
Horace Mann
Horace Mann offers insurance coverage only to educators and has been doing so since 1945. All school employees are eligible for Horace Mann insurance policies whether they're teachers, administrators, bus drivers, food service staff, etc. Additionally, Horace Mann offers a discount if you're a teacher or administrator.
To support educators, Horace Mann teachers insurance policies offer special benefits at no extra cost through an Educator Advantage package. Benefits in this package include:
- Waived or reduced deductible for claims of vandalism to your car while on or near school property or at a school event
- Liability coverage when you transport students in your Horace Mann insured vehicle
- Coverage of up to $1,000 for vet care for a pet that’s injured or has died in a car accident
- Additional roadside assistance coverage with Emergency Road Service policy option
- A replacement car if yours is totaled (subject to the auto policy terms)
Horace Mann has many discounts available on its car insurance policies, in addition to the educator discount. The premium discounts available include a multi-line discount, multi-car discount, new customer discount and more.
In addition to teachers auto insurance, Horace Mann also offers insurance coverage for home, life and more. Read Horace Mann insurance reviews to find out why many teachers trust Horace Mann for their insurance needs.
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California Casualty
California Casualty offers teachers auto insurance in most states. It offers insurance coverage exclusively to firefighters and EMS personnel, higher education employees, educators, peace officers and NPs and RNs.
Teachers and educational support professionals can get car insurance made exclusively for them with California Casualty. Some of the car insurance benefits that California Casualty offers to teachers and educators include:
- No deductible: If your car is hit or vandalized while parked on school property or educational office properties, California Casualty will waive your deductible on your teachers auto insurance policy. (Note: Not available in NH. In PA, the first $100 collision deductible can't be waived.)
- Premium relief benefit: If you’re a teacher or educational worker with a California Casualty policy and you get laid off, your teachers car insurance premium will be covered up to $1,000. (Available in IL, OH, NJ, PA)
In addition to these benefits, California Casualty also offers other incentives such as no deductible for windshield repairs, waived collision deductible if you are in a car accident with an uninsured motorist or another California Casualty policyholder, pet injury coverage and towing and roadside assistance.
California Casualty has a number of teacher car insurance discounts available to their teacher policyholders, including a multi-policy discount and a multi-car discount. There are many types of insurance offered by California Casualty in addition to teachers auto insurance, including homeowners, motorcycle, condo, renters, boat, flood, umbrella, pet and more. Take a look at California Casualty insurance reviews to see what customers have to say about the company.
Meemic
Meemic is an insurance company only available to educators. Teachers, administrators and staff at schools, colleges and universities are eligible for teachers insurance from Meemic. Meemic says it saves teachers 35 % on their car insurance and offers many additional auto insurance discounts for teachers, including a paid-in full discount, multi-policy discount and anti-theft device additional discount.
Meemic's teachers auto insurance has many benefits to educators who purchase a Meemic policy. Educators and teachers have no deductible for covered comprehensive losses that happen on school property or for liability coverage when transporting students to and from school events.
In addition to teachers car insurance, Meemic has many other types of insurance available. Meemic offers homeowners, condo, renters, umbrella, flood, motorcycle, boat, RV and life insurance. Not all types of insurance is available in all states. Be sure to check out Meemic insurance reviews to see what its customers have to say about the company.
Plymouth Rock
Plymouth Rock doesn't sell exclusively to teachers like Horace Mann or Meemic, but it has a special teachers car insurance policy for active and retired teachers and professors, administrators and other school staff members in New Jersey.
Plymouth Rock offers exclusive services to educational employees, including roadside assistance at no additional cost and no deductible for comprehensive and collision incidents that occur while your car is on school property. Teachers also get up to $1,000 of coverage for school property if its stolen or damaged while in your car.
There are many other lines of insurance available from Plymouth Rock including homeowners, condo, renters and umbrella insurance. Read Plymouth Rock reviews to find out more information about the company and its teachers insurance.
Are there any car insurance discounts for teachers?
Some auto insurance companies offer auto insurance discounts to teachers to support them for the value they bring to the community. While the following companies don't offer car insurance policies exclusively for teachers, they do offer discounts to help teachers and school employees save on their auto insurance rates. To qualify for teacher car insurance discounts, you have to work in the educational field. Length of employment doesn't matter as long as you can prove that you're currently working as a teacher. Spouses and dependent children may also qualify for these discounts, depending on the insurance provider.
Alfa Insurance
Alfa offers a teacher discount program to full-time certified teachers and professors. Alfa’s car insurance discount is available in Alabama and Mississippi. You can read Alfa Insurance reviews to find out more about the company.
What are some other teacher insurance options?
Although Liberty Mutual doesn't offer teachers insurance policies exclusively for teachers, it offers special policy benefits to teachers. Liberty Mutual car insurance is available in all 50 states and Washington, D.C. but please note that its teacher auto insurance benefits may not be available in all states.
Teachers auto insurance benefits offered by Liberty Mutual include:
- Vandalism Loss Protection: There’s no deductible if your car is vandalized while on school property or at school events.
- Personal Property Coverage: $2,500 coverage per occurrence if teaching materials and any school-owned property is damaged or stolen from your vehicle.
- Collision Coverage: There’s no deductible for damage to your car in a collision that happens while driving it for school-related business.
Liberty Mutual is a popular car insurance option. Read Liberty Mutual reviews to see what policyholders think of the company.
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Are you an educator that’s had a car insurance policy with one of these companies or another insurer? Write a review of your company to help other teachers learn more about teachers insurance options.
The content on this site is offered only as a public service to the web community and does not constitute solicitation or provision of legal advice. This site should not be used as a substitute for obtaining legal advice from an insurance company or an attorney licensed or authorized to practice in your jurisdiction. You should always consult a suitably qualified attorney regarding any specific legal problem or matter. The comments and opinions expressed on this site are of the individual author and may not reflect the opinions of the insurance company or any individual attorney.