Buy Cheap Auto Insurance for Teachers in 2024
Auto insurance for teachers, instructors, coaches, and TAs is cheaper than average. Coach, instructor, and teacher auto insurance has perks that are usually not available to the average motorist. Auto insurance discounts for teachers are available from top companies like Geico, and you could qualify for a $0 deductible on teacher car insurance policies.
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Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
UPDATED: Aug 26, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Aug 26, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
A Concise Overview:
- Some companies offer $0 deductibles to teachers.
- Teachers, coaches, teaching assistants, and other instructors pay less than average for auto insurance.
- Teacher auto insurance can cover a vehicle that’s been vandalized on school property.
You can save money on auto insurance for teachers, instructors, coaches, and TAs through discounts designed specifically for them. Teacher auto insurance is lower than average car insurance rates because some companies offer zero dollar deductible on collision coverage and comprehensive insurance coverage.
The challenge of finding cheap auto insurance for teachers, instructors, coaches, and teaching assistants (TAs) is finding a company with affordable rates. We are to help you find affordable car insurance for teachers, compare teacher car insurance discounts, and get the cheapest car insurance rates for teachers, coaches, instructors, and teaching assistants (TAs).
You can begin by using our free comparison tool. Enter your ZIP code above to find the best auto insurance for teachers in your local area.
Auto Insurance for Teachers, Instructors, Coaches, and TAs
Auto insurance for teachers in Michigan, Florida, California, and even Ontario can be cheaper based on the company. Generally speaking, car insurance for teachers, instructors, coaches, and TAs are lower than average. These occupations present less risk, and some insurance companies offer discounts to individuals who teach.
Take a look at this video on jobs and car insurance, which finds teachers among the occupations that pay the least for car insurance.
Let’s talk about why occupation matters.
Why do insurers ask about your occupation?
Auto insurance companies want to know where you work so they can verify your identity, estimate whether you earn enough to pay for the auto insurance policy, and evaluate your level of risk. Companies also want to know your education level.
Your occupation and education help determine risk. Professions that require a lot of driving are at greater risk to get into an accident, which heightens the likelihood of filing a claim. According to a NASDAQ report, higher education leads to cheaper auto insurance. Statistics show that car insurance consumers with a degree have fewer claims.
Compare car insurance quotes in your area now by entering your ZIP code in our free comparison tool.
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Coach, Instructor, TA, and Teacher Auto Insurance Rates
Car insurance rates for coaches, instructors, TAs, and teachers are lower than most professions. Let’s compare auto insurance rates by occupation based on quotes from Geico.
Geico Average Annual Auto Insurance Rates for Teachers, Coaches, Instructors, Professors, and TAs
| Occupations | Geico Monthly Rates | Geico Six-Month Rates | Geico Annual Rates |
|---|---|---|---|
| Professor w/ College Degree | $72 | $430 | $860 |
| Instructor/Coach/TA | $151 | $906 | $1,812 |
| Teacher/Dean/Educ Degree | $151 | $906 | $1,812 |
Professors have the cheapest auto insurance rates, while coaches, instructors, TAs, and teachers pay about $1,000 more for car insurance per year.
Does your annual mileage affect your auto insurance rates?
If you’re a teacher, coach, or instructor that travels greater distances for work, you could pay more for coverage. Car insurance companies will charge you more if you drive more than the average motorist. According to the Federal Highway Administration, the average licensed driver travels about 14,425 miles per year.
The following table displays full coverage auto insurance rates from top companies based on annual commute mileage.
Auto Insurance Monthly Rates by Annual Mileage & Provider
| Insurance Company | 6,000 Miles | 12,000 Miles |
|---|---|---|
| Allstate | $140 | $160 |
| American Family | $135 | $155 |
| Farmers | $130 | $150 |
| Geico | $115 | $135 |
| Liberty Mutual | $160 | $180 |
| Nationwide | $145 | $165 |
| Progressive | $120 | $140 |
| State Farm | $125 | $145 |
| Travelers | $130 | $150 |
| USAA | $110 | $130 |
USAA, Geico, and State Farm are the cheapest car insurance companies for commute mileage. Liberty Mutual, Allstate, Travelers, and Farmers are among the most expensive on the list. However, discounts to teachers could help to cut expensive costs. Check into payment plans when you receive auto insurance quotes. You’ll also want to ask about deductibles, like a collision deductible, and any additional discounts on auto insurance, such as occupational discounts.
Which companies offer auto insurance discounts for teachers, coaches, TAs, and instructors?
State Farm and Progressive don’t have a teacher discount, but several other companies offer special discounts for teachers. Here’s a list of companies that offer teacher auto insurance discounts.
- California Casualty
- Esurance
- Farmers
- Geico
- Horace Mann
- Liberty Mutual
- Plymouth Rock New Jersey
Farmers insurance teacher discounts can reduce coverage rates. If you’re a teacher with a Farmers policy, you’ll want to contact them regarding a teacher’s discount. Discounts on your auto policy may apply to comprehensive or liability coverage. Some companies may even help with auto insurance for retired teachers. You can also compare rates to find the cheapest car insurance for teachers by entering your ZIP code below in the free comparison tool.
References:
- https://www.nasdaq.com/articles/higher-education-equals-lower-car-insurance-2013-05-24
- https://www.fhwa.dot.gov/ohim/onh00/onh2p11.htm
Frequently Asked Questions
Can teachers qualify for special discounts on auto insurance?
Yes, many insurance providers offer special discounts and benefits for teachers. These discounts are often provided as a recognition of the valuable service teachers provide to the community.
What kind of discounts can teachers typically expect?
Discounts for teachers may vary among insurance providers, but common discounts include educator discounts, affinity group discounts, and low-mileage discounts. Some insurers also offer discounts for teachers who have advanced degrees or good driving records.
How can I find insurance companies that offer discounts for teachers?
To find insurance companies that offer discounts for teachers, you can start by researching insurance providers in your area. Check their websites or contact their customer service to inquire about any available teacher-specific discounts.
Are there any professional organizations or unions that provide auto insurance benefits for teachers?
Yes, some professional organizations and unions have partnerships with insurance companies to offer exclusive auto insurance benefits to their members who are teachers. It is worth checking with your professional organization or union to see if they have any such arrangements in place.
Are there any requirements to qualify for teacher-specific auto insurance discounts?
Requirements to qualify for teacher-specific auto insurance discounts may vary among insurers. Generally, you will need to provide proof of employment as a teacher, such as a valid teaching certificate or employment verification from your school. Additionally, some discounts may have additional criteria, such as a minimum number of years of teaching experience.
Compare Quotes From Top Companies and Save
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Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.