In a NutshellIf you’re a teacher, you might be eligible for benefits related to auto insurance. The best car insurance for teachers provides specialized products for educators and discounts that could lower your monthly premium.
Teachers play a valuable role in shaping young minds, and if you work in this field, it could impact your options regarding car insurance. Some auto insurance companies offer products that are ideal for educators or provide money-saving discounts for teaching professionals. The companies listed below offer the best car insurance for teachers seeking coverage geared toward their line of work.
- Best overall: Liberty Mutual
- Best for teachers affiliated with educational organizations: Geico
- Best for teachers seeking coverage with specialized benefits: Horace Mann
- Best for teachers whose cars have custom equipment: California Casualty
Best overall: Liberty Mutual
Why Liberty Mutual stands out above the rest: Liberty Mutual offers insurance products customized to fit a teacher’s needs. This company also provides a wide range of discounts to save money. Overall, it’s a well-rounded, cost-efficient choice for educators.
Teachers will appreciate that Liberty Mutual provides zero-deductible protection for vehicles vandalized on school property or at a school event. Liberty Mutual’s personal property insurance also covers your teaching materials and school-owned property if they’re damaged or stolen while in your vehicle.
And if your vehicle is damaged in a collision while you’re driving it on school business, this insurance company provides zero-deductible collision coverage.
Teachers might also take advantage of Liberty Mutual’s multipolicy discounts (you can also get home, condo and renters insurance from the company), plus other potential discounts for homeowners, drivers with a claims-free driving history, drivers with no violations, and drivers with a military affiliation.
According to the National Association of Insurance Commissioners, Liberty Mutual had fewer customer complaints than the industry average in 2021.
Read our full review of Liberty Mutual.
Best for teachers affiliated with educational organizations: Geico
Why Geico could be a good choice for teachers affiliated with educational organizations: Geico offers discounts for teachers who are members of certain educational organizations. You could save money if you’re an educator enrolled in one of these groups, which include the American Association of School Administrators, the Association of American Educators and the National Association of Elementary School Principals.
This insurer offers additional car insurance discounts that can reduce your monthly premium. For example, you can get discounts for having a clean driving record or taking a defensive driving course. Multipolicy and multivehicle discounts are also available.
Geico is a strong company for teachers, but there are some shortcomings to keep in mind. Geico ranked below the industry average for companies of its size in a 2022 J.D. Power auto claims satisfaction study. And according to the NAIC, Geico had slightly more customer complaints than the industry average in 2021.
Read our full review of Geico.
Best for teachers seeking coverage with specialized benefits: Horace Mann
Why Horace Mann could be a good choice for teachers seeking coverage with specialized benefits: Educators with a Horace Mann auto policy are eligible for a wide range of specialized benefits designed for teachers. These perks come at no additional cost.
Teachers with Horace Mann auto insurance get the company’s Educator Advantage package of features and benefits at no extra cost. This package includes coverage that pays for a replacement car if your vehicle is declared a total loss. It also covers transportation expenses up to $35 if you’re away from home and can’t safely drive.
The Educator Advantage package includes zero-deductible coverage for covered vandalism losses and collision claims on or near school property or at a school event. It also provides up to $1,000 of personal property coverage if job-related items are stolen or damaged while in your car.
Horace Mann’s coverage also provides benefits for teachers with pets, at no additional cost. It pays up to $1,000 of your veterinary bills if a covered accident injures your pet. NAIC reports that Horace Mann had fewer customer complaints than the industry average in 2021.
Best for teachers whose cars have custom equipment: California Casualty
Why California Casualty could be a good choice for teachers whose cars have custom equipment: Some auto insurance companies don’t cover custom equipment (such as custom wheels or an aftermarket stereo) in their standard car insurance policies. California Casualty is different. That company’s standard auto insurance policy for teachers includes custom equipment coverage. This coverage pays for custom equipment replacement costs of up to $2,000.
This company also offers other benefits for teachers. For example, it provides zero-deductible protection if your vehicle is hit or vandalized on school property. Other perks include identity theft resolution with a personal fraud specialist and zero-deductible windshield repairs.
The NAIC reports that California Casualty had fewer customer complaints than the industry average in 2021. Despite the company’s name, California Casualty sells car insurance in most states.
FAQs about car insurance for teachers
All drivers can save money when buying car insurance by seeking companies that offer relevant discounts. It’s also wise to shop around since rates may vary from company to company.
Most states require all drivers to purchase a minimum amount of liability coverage. But you may want to talk with your agent about getting higher liability limits to provide added protection. You may also want collision and comprehensive coverage. This can help cover the value of your car and repair costs after an accident.
All drivers must purchase the auto insurance mandated by their state when leasing a car. In addition, they’ll need comprehensive and collision insurance. The financing company typically requires this coverage, which helps ensure funds are available to repair the car if you’re involved in an accident.
How we picked these insurers
We looked at insurers offering coverage designed for teachers to pick our candidates. We considered the selection of specialized insurance products provided by each company. In addition, we factored in benefits, discounts, NAIC customer complaint information and J.D. Power auto claims satisfaction data.