Best Car Insurance for Teachers
- Travelers offers the lowest auto insurance rates for teachers, especially through their NEA affiliate program.
- Teachers can save money on car insurance by looking into discounts like affiliate programs.
The best way for teachers to cut car insurance costs is to shop around with multiple companies. Get started by entering your ZIP code below.
Auto insurance discounts for teachers
Select car insurance companies offer discounts and extra benefits to teachers, though they are often dependent on state availability and regulations. Some insurers recognize educators as low-risk drivers, but without a dedicated discount, the difference in premiums is usually minimal. In most cases, your profession doesn’t significantly impact what you pay for coverage.
Still, it's worth looking into companies with educator perks and comparing quotes. In fact, we identified a handful of car insurance companies with teacher discounts:
Liberty Mutual
Teachers unlock exclusive savings at Liberty Mutual, including extra protection for losses incurred on school property.[1]
COUNTRY Financial
COUNTRY Financial offers a 15% occupation discount to educators.[2]
*Available in 19 U.S. States
Plymouth Rock
Plymouth Rock's Teachers Insurance Plan offers discounts and benefits to teachers in New Jersey and Pennsylvania.[3]
While not every insurer offers a teacher-specific discount, many do offer perks through alumni groups or professional associations —and teachers often qualify. Educators can also see savings through:
✏️ Organizational affiliations— think the National Education Association and similar groups
✏️ Alumni associations— Many carriers offer affinity discounts for alumni membership
✏️ State-specific programs— Some state programs may offer additional benefits to resident teachers
Get auto insurance for teachers today!
How much is car insurance for teachers?
Certain professions, including teaching, are associated with lower-risk driving behavior—and sometimes that translates to slightly better rates. Still, your occupation plays a small role in what you pay. Your individual driving profile carries more weight, including factors like your credit score, driving history, and prior insurance coverage.
Updating data...
| Company | Avg. 6 Mo. Premium |
|---|---|
| Travelers | $874 |
| Plymouth Rock | $878 |
| USAA | $921 |
| GEICO | $999 |
| Progressive | $1,060 |
| Nationwide | $1,272 |
| State Farm | $1,336 |
| Farmers | $1,390 |
| Country | $1,408 |
| Allstate | $1,733 |
Source: The Zebra
Liberty Mutual rates not displayed as they do not make its rate filings publicly available
Updating data...
| Occupation | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Military | $1,244 | $207 |
| Teacher | $1,247 | $208 |
| Scientist | $1,249 | $208 |
| Engineer | $1,249 | $208 |
| Fire Fighter | $1,252 | $209 |
| Lawyer | $1,252 | $209 |
| Doctor | $1,252 | $209 |
| Law Enforcement | $1,256 | $209 |
| Manager | $1,257 | $209 |
| Civil Servant | $1,258 | $210 |
| Proprietor | $1,259 | $210 |
| Other | $1,263 | $210 |
| Unemployed | $1,264 | $211 |
Source: The Zebra
Car Insurance Rates by Profession
Find out how professions impact car insurance. Learn about available discounts for specific occupations and find providers offering competitive rates.
Other insurance coverage with teacher benefits
Some insurance providers and financial institutions cater specifically to teachers. These options sit slightly outside of the major auto insurance providers, though the coverage is just as legitimate.
Founded with educators in mind, Horace Mann offers insurance and financial solutions specifically for teachers and community leaders. Their Educator Advantage® program includes perks like:
- No deductible for claims incurred on school property
- $1,000 in personal property coverage if items used for work are stolen or damaged while in your car.
By signing in to the NEA Memeber Benefits online portal, teachers can get a quote with Travelers' exclusive NEA partnership page. NEA members can apply for auto, homeowners insurance or both throught this affiliation.
Affinity Membership Discount for Car Insurance
Sometimes, it really is all about who you know. Lucky for you, you know The Zebra.
More ways teachers can save
Beyond the discount opportunities outlined above, teachers can maximize car insurance savings through tried and true, cost-effective practices.
Choose coverage appropriately
Zebra experts recommend carrying full coverage for most vehicles. However, if your vehicle is worth less than $4,000, you may not need this. Liability-only coverage is the lowest cost, though protection is minimal.
Increasing your deductible can also lower monthly premiums.
Be smart with claims filing
The best rule of thumb is to compare your out-of-pocket costs with and without filing a claim. If the repair cost is close to or less than your deductible, skip the claim — most insurers raise your rate after an accident, and that increase can last at least three years.
Shop around
It’s important to consider as many different companies as possible when looking for auto insurance. Only with The Zebra can you search hundreds of different companies — including those offering discounts for teachers.
Frequently asked questions
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Meet the editorial team
The writers behind The Zebra articles have over 10 years of combined insurance experience.
Teachers' car insurance and savings. Liberty Mutual
Occupation Discount for Teachers. COUNTRY Financial
Auto Insurance From A Teachers Insurance Company. Plymouth Rock
Educator Advantage. Horace Mann
NEA Auto & Home Insurance Program. NEA
About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.