Car Insurance Discount for Teachers: Top Companies, Potential Savings, and More
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Written byMandy Sleight
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Mandy Sleight has over 15 years of insurance knowledge and expertise in auto, home, life, health, pet, supplemental benefits, and other insurance products. She’s a sought-after insurance expert, appearing in Bankrate.com, Moneygeek.com, U.S. News & World Report, Reviews.com, CNET, and other publications, and she's been writing for Compare.com since 2023.
Mandy uses her background and experience working for well-known insurance companies like State Farm and Nationwide Insurance to create engaging and easy-to-understand content that helps readers make smarter insurance choices that have a positive effect on their budgets and finances.
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Edited byNick Versaw
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Nick Versaw leads Compare.com's editorial department, where he and his team specialize in crafting helpful, easy-to-understand content about car insurance and other related topics. With nearly a decade of experience writing and editing insurance and personal finance articles, his work has helped readers discover substantial savings on necessary expenses, including insurance, transportation, health care, and more. As an award-winning writer, Nick has seen his work published in countless renowned publications, such as the Washington Post, Los Angeles Times, and U.S. News & World Report. He graduated with Latin honors from Virginia Commonwealth University, where he earned his Bachelor's Degree in Digital Journalism.
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Table of contents
Car insurance companies occasionally reward certain jobs with discounts on premiums, and many offer savings specifically for teachers and other educators. Discount amounts and eligibility vary by insurance company and state, but you could save up to 50% on auto insurance premiums, depending on the insurer.
Plymouth Rock, Liberty Mutual, and Horace Mann are a few auto insurance companies offering car insurance discounts for teachers. Keep reading to learn where to get a teacher discount, how much you can save, how to qualify, and other discounts you may be eligible for.
Can Teachers Get Discounted Car Insurance?
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Some insurers offer special rates on car insurance for teachers, but the amount you can save varies by state, teacher status, and insurance company. For example, retired teachers can save up to 50% on car insurance premiums with Meemic Insurance Company.
Some insurers offer perks and benefits instead of discounts. For instance, Liberty Mutual lowers your comprehensive deductible to $0 ($100 in Pennsylvania) if someone vandalizes your car while you’re attending a school event or parked on school property. And your collision deductible will be as low as $0 if you get into an accident while driving for school business.
Liberty Mutual also provides up to $2,500 in personal property coverage for teaching materials or property if someone steals them or they get damaged while in your car. Car insurance typically won’t cover personal property that’s not permanently installed in your vehicle, so this perk may be worth it if you regularly transport school materials.
Insurance Companies Offering Discounts for Teachers
An auto insurance discount for teachers isn’t as common as other discounts. The table below highlights eight car insurance companies offering a teacher discount or perks, such as a $0 deductible for some claims or coverage like personal property coverage at no extra cost.
Company  | Advertised Savings |
|---|---|
| Meemic Insurance Company | Up to 50% |
| Plymouth Rock Assurance | Over $923 |
| Farmers Insurance | Average of 23% |
| Travelers Insurance | Average of $638 |
| COUNTRY Financial | Up to 10% |
| Liberty Mutual | $0 deductible for specific claims and personal property coverage |
| California Casualty | $0 deductible for some claims, plus pet injury, custom equipment, and personal property coverages |
| Horace Mann Insurance Company | Varies |
| GEICO | Varies |
Since discounts and benefits vary, it’s worth comparing car insurance quotes from multiple companies to see which one offers the best rate, coverage, and perks for you.
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How to Get a Teacher Discount on Your Car Insurance
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The ways to get an educator discount vary by insurance company and state. For instance, COUNTRY Financial offers an occupational discount of up to 10% for full-time kindergarten–12th-grade teachers — but the discount isn’t available in Alaska, Georgia, or Tennessee. Its website doesn’t explain how to get the discount but urges users to contact a COUNTRY representative to learn more.
California Casualty offers benefits for teachers and some school employees, such as waived comprehensive and collision coverage deductibles for specific claims, including windshield repairs, identity theft resolution coverage, and up to $500 in personal property coverage, excluding electronics.
You may need to provide a copy of your teaching certificate or proof of membership affiliation in a teaching group or association to get a discount or access to perks. The easiest way to get a teacher discount is to contact your insurance agent or company to find out how to get the savings.
The Best Car Insurance for Educators
The best auto insurance companies may not be your top choice if you work in education and you’re trying to save money. Teachers, school staff, or members of educational organizations should consider the following companies when shopping for car insurance. These three insurers offer the most benefits or largest teacher car insurance discounts, according to our research.
Meemic Insurance Company
Advertised discount amount: Up to 50%
Meemic Insurance offers newly certified teachers a discount for seven years after first receiving your teaching certificate. You can also get a $0 comprehensive deductible for damages that occur on school grounds and extra coverage when transporting students for school events. Retired teachers can save up to 50% on their auto insurance coverage.
Plymouth Rock Assurance Company
Advertised discount amount: Over $923
New Jersey educators can save more than $900 when switching to Plymouth Rock’s Teachers’ Insurance Plan, according to the insurer’s website. Plymouth Rock will also waive comprehensive and collision deductibles for claims during school-related events or on school property, provide up to $1,000 in theft coverage for school materials stolen from your vehicle, and offer roadside assistance at no additional cost.
Farmers Insurance Company
Advertised discount amount: Average of 23%
Teachers who are part of professional organizations, like the American Federation of Teachers, can save an average of 23% with a Farmers affiliation discount. The savings amount can vary by state and organization, so, if you belong to more than one, ask your Farmers agent which affiliation provides the maximum savings to get the most affordable car insurance.
Other Common Car Insurance Discounts
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Teachers are a great asset to their community, but not all insurers offer special discounts for educators. Luckily, a wide range of discounts are commonly available to help you get lower rates and maximize your savings.
Affiliation discount: Offers a discount if you’re a member of or affiliated with a specific group or organization. Specific affiliate discount amounts and organizations vary by insurer.
Good student discount: Full-time students can qualify for a good student discount with a B or above GPA.
Good driver discount: Safe drivers with a clean driving record may qualify for a safe driving discount.
Multi-policy discount: To get the multi-policy discount, insure your car and other insurance products — like home, renters, or life insurance — with the same company.
Usage-based discount: Enrolling in your insurer’s telematics program can save you money if you practice safe driving habits and avoid accidents.
Car Insurance Discount FAQs
We answered the most common questions about teachers’ discounts to help you find cheap car insurance as an educator.
What’s the maximum teacher discount percentage?
The maximum teacher discount percentage can vary by state and insurance company. We found savings of up to 50% from Meemic Insurance Company — the largest advertised discount, based on our research.
How do you get a teacher discount for car insurance?
Teachers can sometimes get a discount on their car insurance policy by providing proof to their insurer, such as a teaching certificate or membership in qualifying partner organizations, like the National Education Association (NEA). Contact your insurance agent or company to apply the discount to your policy.
Does Progressive have an educators discount?
No. Progressive doesn’t offer an educators discount on its auto insurance policies. Some discounts available through Progressive include multi-policy, continuous coverage, teen driver, multi-car, online quote, paperless, and a good student discount.
Do all insurance companies offer a discount for teachers?
No. A teacher auto insurance discount is only available from some companies. Plymouth Rock, Meemic, Liberty Mutual, GEICO, and COUNTRY Financial are a few insurers offering a discount for teachers, according to our research. Discount availability and eligibility criteria can differ by company and state.
Sources:
Insurance Information Institute, “How to save money on car insurance,” accessed November 4, 2024.
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Mandy SleightInsurance Writer
Mandy Sleight has over 15 years of insurance knowledge and expertise in auto, home, life, health, pet, supplemental benefits, and other insurance products. She’s a sought-after insurance expert, appearing in Bankrate.com, Moneygeek.com, U.S. News & World Report, Reviews.com, CNET, and other publications, and she's been writing for Compare.com since 2023.
Mandy uses her background and experience working for well-known insurance companies like State Farm and Nationwide Insurance to create engaging and easy-to-understand content that helps readers make smarter insurance choices that have a positive effect on their budgets and finances.
Nick Versaw leads Compare.com's editorial department, where he and his team specialize in crafting helpful, easy-to-understand content about car insurance and other related topics. With nearly a decade of experience writing and editing insurance and personal finance articles, his work has helped readers discover substantial savings on necessary expenses, including insurance, transportation, health care, and more. As an award-winning writer, Nick has seen his work published in countless renowned publications, such as the Washington Post, Los Angeles Times, and U.S. News & World Report. He graduated with Latin honors from Virginia Commonwealth University, where he earned his Bachelor's Degree in Digital Journalism.
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