Car Insurance for Teachers
Car insurance companies consider teachers to be among the safest drivers. So an auto policy for teachers is eligible for discounts and reduced car insurance rates. Auto insurance rates for teachers will vary by age and state. So enter your ZIP code below to compare rates from local companies offering car insurance for educators.
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Licensed Agent for 15 Years
Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insuran...
Rachael Brennan
Former Auto Insurance Claims Manager
Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.
Chris Harrigan
Updated November 2024
- Teachers may qualify for a discount on their car insurance because of their choice of profession
- Licensed teachers get occupational discounts because they are statistically safer drivers than others
- If you’re driving students to and from school activities, you need to verify whether or not you’ll have coverage
- It’s wise to carry higher limits of liability to protect your income and assets if you’re sued after a crash
- Carpooling with a teacher or taking public transportation can save teachers money off of their premiums
School teachers dedicate their lives to educating future leaders.
They play an important role and shaping the young and preparing them to be responsible and intelligent adults. This role is why educators in the United States and all across the globe earn a lot of respect from parents and companies.
One of the types of companies that give clients discounts for educating youth is insurance companies.
There’s a huge range of teachers salaries. Rookie teachers who are just earning their stripes earn significantly less than their tenured peers. Some states like California and New Jersey are known to pay more per student each year. No matter where you work or how much you make, all teachers want to save money off of their car insurance.
Compare car insurance quotes right here to see how much you could save.
Luckily, your profession can affect your insurance in a positive way. Here’s what teachers need to know:
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Which Auto Insurance Companies Offer Special Benefits for Teachers?
The first place to look for insurance would be through a carrier that offers a special group type of rate to all educators who have earned their teaching credential. Group auto insurance rates for teachers are called affinity discounts.
Not all car insurance carriers have these special programs in place.
There are a few ways to find carriers with affinity programs specifically for teachers. You’ll have to look for insurance carriers that are closely affiliated with the National Education Association to find the best rates.
Some carriers with NEA affinity programs include:
- Liberty Mutual
- Esurance
- Geico
- Farmers
- Horace Mann
- California Casualty
When you’re getting a quote from companies like Liberty Mutual, the system will ask what you do (are you a student, professional, etc.) While most people might choose something generic like “employed”, you would want to choose teacher specifically. Other companies like California Casualty only offer coverage to specialized groups like teachers. California Casualty also offers extra protection for teachers while they’re parked on school property.
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Do companies without affinity programs still have discounts?
You don’t have to do business with an insurance company listed above just to save money on your policy. While discounts for teachers can save you a lot, teachers can also enjoy standard discounts like multi-policy discounts, good driver discounts, etc. When you get quotes from different companies, you can compare pricing and the benefits you can expect.
They may have special organization or association member discounts, but there are other competitors in the marketplace that have competitive rates without having any direct affiliation with the NEA.
If the provider doesn’t have an affinity program, they could still offer some of their clients occupational discounts.
A lot of these carriers don’t advertise the fact that they give educators discounts. If you’re speaking with your agent and you’re not confident that you’re getting a teacher discount, ask if there’s one that could be applied. Also, ask for the discount whenever you’re getting quotes.
How Are Auto Insurance Rates Calculated?
It might be shocking to learn how much time and money goes into deciding how much everyone in a specific category has to pay to enter a contract with the insurer. The agent doesn’t just grab a number out of thin air when they are giving you a quote.
Carriers consider every answer to every quote question when they are fitting the applicant into a box. Since rates are very personalized, the insurer has to do some thorough research to determine the likelihood that a driver will crash.
Insurance underwriters weigh factors like your driving history and any accidents you’ve been in recently, your credit score, etc. When underwriting a new policy, underwriters don’t differentiate between accidents if you were at school-related events as opposed to out with friends. Once you’re signed up with companies like California Casualty, claims adjusters could.
Believe it or not, one of the factors that is used is occupation.
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Why Do Insurance Companies Offer Profession-Based Discounts?
The state officials have to approve occupation and education factors. In most states, it’s not prohibited to look at a driver’s occupation when calculating rates because it does have an effect on their claims trends.
There are states, however, that find this practice unfairly discriminatory.
Claims data and different reports on driving habits that are specific to teachers show that they have fewer accidents than professionals in different careers. While school property may be riskier, especially if parking near teen drivers, many insurance companies see teachers as providing a certain service to the community at large. Teacher discounts is one way they can give back.
Since the outcome of government studies and other actuarial studies are favorable for teachers, you could pay less for coverage than someone who works a high-risk job.
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Do you drive your vehicle to and from work?
If you’re commuting to the school where you’re employed, that usage will affect your insurance. You have to understand how your insurer uses your usage to calculate how much you’re going to pay whenever you’re making plans to get to and from work.
There are three types of usage that personal car insurance will use to classify a car.
- The average car receives the average commuter rate
- Cars driven for pleasure get the lowest rates
- On the other end of the spectrum, there’s a business rate for drivers who go to several work sites throughout the week
Don’t Skimp on Your Coverage
You might be knowledgeable in Math, Science, Language, and Social Sciences, but that doesn’t mean you’re an expert in topics like insurance. One way to save money on your insurance is to carry low limits of liability, but that’s never recommended.
If you lower your limits of liability, you’re at risk of being underinsured after a loss.
Being underinsured isn’t as bad as being uninsured, but your future income and your current assets are at risk even if you have insurance with low limits of Bodily Injury and Property Damage coverage.
Tips to Lower Your Auto Insurance Premiums
The best way for educators to save money on their car insurance is to get discounts. All consumers should get quotes that include all of the discounts that they will qualify for when they are shopping around.
Here are some of the best tips to saving on your total premium:
- Get different lines of insurance through the same carrier for a multi-line discount
- Insure all of your household vehicles with the same carrier for a multi-car discount
- Carpool or take public transportation to work
- Reduce your annual mileage for a low-mileage rate
- Take traffic school after a ticket to avoid a surcharge
- Raise your deductibles for comprehensive and collision
- Look for companies with home ownership discounts if you own a home
- If you’re married, update your marital status and combine your coverage
Some carriers have better programs for teachers than others. You should get quotes for coverage first and then look at some of the perks of doing business with certain companies.
Start using our online rate quote tool and then start research policy features.
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