Best Car Insurance for Teachers: Discounts and More

Best Car Insurance for Teachers: Discounts and More

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We researched the top auto insurance companies and found that Liberty Mutual and California Casualty featured the best car insurance benefits for teachers. In addition to teacher-specific discounts, these insurers offered some of the most valuable coverage options designed to be especially helpful to educators.

The best car insurance for teachers

The following companies feature some of the best discounts and customized auto insurance for teachers. Often, being employed as an educator is enough to qualify for these offers, though in some cases additional perks may be available to you if you are a member of an affinity group such as the National Education Association (NEA).

Liberty Mutual: Great teacher-specific perks and benefits

Liberty Mutual's Teachers' Auto Insurance policies include a number of free special coverages and features designed to specifically benefit teachers. These include:

  • Waiver of your deductible for a covered collision that occurs while you are driving your car on school business
  • Your deductible will be waived for damage to your vehicle caused by vandalism while on school grounds or at school events
  • Coverage of $2,500 per occurrence, for teaching materials or school property in your vehicle that is stolen or damaged

The waiver of the deductible for collision damage while on school business is a particularly valuable benefit, as it is comparable to having a $0 collision deductible. Car insurance policies with low collision deductibles are very expensive. In fact, we found that choosing a $50 collision deductible with Liberty Mutual Insurance increased costs by over 25% for a full coverage policy. Keep in mind, though, that this only applies while on school property or business, and doesn't include your daily commute.

California Casualty: Custom policies for teachers

California Casualty is unique because it specializes in coverage for select affinity groups: You can only get a policy if you're a teacher, police officer, nurse, firefighter or paramedic. Like Liberty Mutual, California Casualty offers a number of features to teachers at no additional cost:

  • California Casualty will cover your premium — up to $1,000 for your policy term — if you are an eligible educator and are laid off (only available in Illinois, Ohio, New Jersey and Pennsylvania)
  • No deductible for repairs if your parked car is hit or vandalized on school grounds
  • Custom automated monthly payment plans that allow teachers to skip payments during the summer break

In partnership with the National Education Association, California Casualty offers an Auto and Home Insurance Program for NEA members and their families. This program includes a number of benefits for teachers, such as $1,000 in pet injury coverage and free identity theft defense.

It's also worth pointing out that, despite the name, California Casualty offers coverage to drivers in all states with the exception of the following:

  • Alaska
  • Hawaii
  • Massachusetts
  • Maine
  • New York
  • Wisconsin

Which companies offer car insurance discounts or benefits for teachers?

Many insurance companies offer extra benefits and cheap rates to educators. The most common benefit is a discount off your premium for being a teacher. However, we always recommend getting multiple quotes as percentage discount amounts can be misleading.

A few insurers also offer special teacher-specific perks, including a waived deductible for collisions and vandalism while on school property, and protection for teaching materials.

Below, we detail some of the insurance companies that feature special car insurance deals for teachers.

Teacher-specific insurance benefits

California Casualty
Horace Mann
Liberty Mutual
Premium discountXXXXX
$0 deductible for at-school vandalismXXX
$0 deductible for at-school collisionXXX
Personal property coverage for work materialsIncluded in home insurance ($3,000)$1,000$2,500
Others$35 alternative transportation reimbursement
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Why insurance companies offer discounts and benefits to teachers

One of the reasons some insurance companies offer complimentary features and special discounts to teachers is that they have been shown to be less risky as drivers than those in other professions. Occupation is one of the many factors that car insurance companies consider, and if drivers with a particular job are linked to safer driving, then insurers will reward them with lower rates.

How to get auto insurance discounts for teachers

When purchasing a car insurance policy, with many insurers, taking advantage of features and discounts for teachers is as simple as noting your occupation in the online quote form. With Farmers, for example, your 4% discount on your premium will be applied to the price of your policy if you've selected "teacher" as your occupation (and the discount is available in your state).

With some insurers, discounts for teachers are not tied directly to your occupation but are instead dependent on membership in an educational organization: You must be a member of one of these organizations to qualify for the discount. Geico, for example, offers an affinity discount to members of over 70 educational organizations, including the Association of American Educators and the National Tutoring Association.

Bailey is a Research Analyst at ValuePenguin, covering insurance. He graduated from Occidental College with a B.A. in Mathematics and a minor in Computer Science. Bailey's analysis of the insurance industry and driver behaviors has been featured by CNBC, the Houston Chronicle and the National Transportation Bureau Safety Board.

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.