Best car insurance and discounts for teachers


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Written by
Digital Growth Manager
Reviewed by
Licensed Auto Insurance Agent
UPDATED: 2021-03-01T21:09:43.123Z
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Books and a jar of pencils in front of a chalkboard with "Best Auto Insurance for Teachers" written on it.

Teachers deserve support for the value they bring to the community. Many insurance companies offer teachers car insurance insurance with policies made 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.

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, educator 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 discounts may not be available in all states the 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.

Teachers auto insurance options

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 your is totaled (subject to policy terms)

Horace Mann has many discounts available on its car insurance policies, in addition to the educator discount. The 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 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 percent on their car insurance and offers many additional discounts, including a paid-in full discount, multi-policy discount and anti-theft device 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 charge 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.

Car insurance discounts for teachers

Some insurance companies offer car 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 car insurance rates.

PEMCO

All school employees can utilize PEMCO’s educator discount. Teachers and all employees of any private or public school, community college or university are eligible for the car insurance discount. PEMCO even allows you to maintain the auto insurance discount when you retire. Be sure to check out PEMCO reviews.

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.

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.


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