Like all other drivers on the road, teachers must carry a minimum amount of auto insurance. For many, covering a pricey auto insurance premium takes a bite out of their budget. Luckily for teachers, many car insurance companies offer discount opportunities to lower teacher car insurance costs.
Generally, teachers enjoy lower auto insurance premiums. This guide explores average teacher insurance costs, discount opportunities and how teachers can find the cheapest rates.
- Car insurance discounts for teachers can help educators tap into lower rates.
- Teachers pay 11% less for car insurance than other drivers, with an average savings of $251 per year.
- Comparing rates across multiple car insurance companies is critical for teachers to secure the most affordable auto insurance premiums.
Do teachers pay different car insurance rates because of their profession?
Teachers pay 11% less for car insurance than other drivers, with an average savings of $251 per year.
“Teachers are perceived to take part in less risky behavior overall and their predictable schedules tend to keep them off the roads during the busiest hours when more fender benders are likely to occur,” says Kevin Kramer, COO of Ignition Dealer Services.
Ultimately, this lower perceived risk often leads to lower car insurance costs for teachers.
Which car insurance companies offer discounts to teachers?
Car insurance companies evaluate drivers in slightly different ways when determining premiums. Since drivers find different rates across insurers, some insurance companies tend to offer lower rates than others. Grange Mutual has cheap car insurance for teachers.
The table below highlights the auto insurance companies that offer discounted rates to teachers:
| Company | Average annual cost | Average monthly cost |
|---|---|---|
| Automobile Club MI (AAA) | $2,557 | $213 |
| Country Financial | $1,494 | $125 |
| Geico | $1,609 | $134 |
| Grange Mutual | $1,046 | $87 |
| Mercury Insurance | $2,100 | $175 |
| Progressive | $2,103 | $175 |
| State Auto | $4,143 | $345 |
Car insurance rates for teachers by state
Car insurance costs vary based on location factors, including your state. For example, teachers in Missouri pay an average of $2,910 for annual coverage. But teachers in Maine pay an average of $940 per year for coverage.
Use the table below to find the average car insurance rates for teachers in your state.
| State | Average annual cost | Average monthly cost |
|---|---|---|
| Alabama | $1,622 | $135 |
| Arkansas | $1,879 | $157 |
| Arizona | $1,407 | $117 |
| Colorado | $1,853 | $154 |
| Connecticut | $1,268 | $106 |
| Washington, D.C. | $1,180 | $98 |
| Delaware | $1,648 | $137 |
| Florida | $2,633 | $219 |
| Iowa | $1,496 | $125 |
| Idaho | $1,113 | $93 |
| Illinois | $1,763 | $147 |
| Indiana | $1,215 | $101 |
| Kansas | $1,561 | $130 |
| Kentucky | $1,767 | $147 |
| Louisiana | $3,325 | $277 |
| Maryland | $2,380 | $198 |
| Maine | $940 | $78 |
| Michigan | $3,004 | $250 |
| Minnesota | $1,985 | $165 |
| Missouri | $2,910 | $243 |
| Mississippi | $2,377 | $198 |
| Montana | $1,505 | $125 |
| North Carolina | $1,528 | $127 |
| North Dakota | $1,406 | $117 |
| Nebraska | $2,251 | $188 |
| New Hampshire | $1,431 | $119 |
| New Jersey | $3,538 | $295 |
| New Mexico | $1,580 | $132 |
| Nevada | $1,730 | $144 |
| New York | $1,883 | $157 |
| Ohio | $967 | $81 |
| Oklahoma | $2,093 | $174 |
| Oregon | $1,623 | $135 |
| Pennsylvania | $2,120 | $177 |
| Rhode Island | $1,946 | $162 |
| South Carolina | $2,010 | $168 |
| South Dakota | $2,703 | $225 |
| Tennessee | $1,874 | $156 |
| Texas | $2,775 | $231 |
| Utah | $1,553 | $129 |
| Virginia | $1,540 | $128 |
| Vermont | $1,116 | $93 |
| Wisconsin | $1,709 | $142 |
| West Virginia | $1,549 | $129 |
Car insurance discounts for teachers
Teachers can tap into a range of car insurance discount opportunities. Although the amount you can save varies based on the discounts offered and the insurer you choose to work with, it never hurts to unlock savings.
The table below highlights how much teachers could expect to save via standard discounts.
| Discount type | Savings |
|---|---|
| Airbags | 2% |
| Anti-theft devices | 1% |
| Daily commute | 7% |
| Days advanced purchase | 7% |
| Days driven per week | 6% |
| Education | 7% |
| Electronic Funds Transfer | 4% |
| Electronic signature | 8% |
| Homeowner | 6% |
| Lower annual mileage | 6% |
| Loyalty | 9% |
| Marital status | 8% |
| Multi-policy | 9% |
| Paperless/Electronic Documents | 4% |
| Payment type | 9% |
| Primary use | 10% |
| Profession | 12% |
| Purchase status | 7% |
| Safety devices | 3% |
| Telematics | 10% |
| Vehicle ownership | 8% |
| Years insured | 19% |
| Years licensed | 28% |
How teachers can find the best car insurance
The right car insurance can make a big difference to your wallet and overall financial well-being. As you look for the right car insurance policy, use the strategies below:
- Consider how much coverage you need: Although it is tempting to opt for a state minimum coverage policy to keep costs low, this level of coverage might not be enough. In many situations, opting for a full coverage policy makes sense if you want help paying to repair your own vehicle after an accident.
- Shop around: When you know how much coverage you need, comparing quotes across multiple insurance companies can help you find the cheapest option for your situation.
- Look for discounts: Seek out discount opportunities like the ones explored above.
- Bundle your policies: If you need a different type of insurance product, like home insurance or life insurance, buying multiple policies through the same company can lead to savings.
- Raise your deductible: For teachers with enough savings on hand to cover a higher deductible after an accident, this could lead to a lower insurance premium.
Final thoughts
Teachers often pay less for car insurance. But to make sure you don’t overpay, don’t hesitate to shop around for the cheapest rates and ask for any available discounts.
Frequently asked questions
Why do teachers qualify for lower car insurance rates?
Insurance companies often consider teachers low-risk drivers, leading to lower car insurance rates.
Are there additional benefits for teachers besides discounted rates?
Car insurance companies typically don’t offer additional benefits to teachers beyond discounted rate opportunities.
How does a teacher’s driver record affect eligibility for discounts?
A teacher with a clean driving record will likely pay less for auto insurance than a teacher with an incident, like a speeding ticket or accident, on their driving record. Generally, insurers correlate spots on a driving record with higher risk, which leads to higher premiums.
Resources & methodology
Sources
- Insurance Information Institute, “What determines the price of an auto insurance policy?” Accessed February 2025
- Texas Department of Insurance “Ways to save money on car insurance.” Accessed February 2025.
Methodology
CarInsurance.com commissioned Quadrant Information Services in 2022 to field rates for drivers with full coverage car insurance in 4,686 ZIP codes across the U.S. Percentages are rounded to the nearest whole number.
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