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There are three types of car insurance discounts for teachers: discounts from standard insurance companies, discounted rates from companies that specialize in covering teachers and other public-service occupations, and discounts for members of an association or union for educators. Teachers are often eligible for car insurance discounts because they are considered a low-risk group.
Liberty Mutual is one of the largest insurers to offer teacher discounts. Although Liberty Mutual does not disclose exact discount amounts, teachers can get a quote over the phone and see the discount for their individual circumstances. Liberty Mutual Teachers’ Auto Insurance also provides specific features and protections for educators. For instance, in every state except Pennsylvania, teachers will be charged a $0 deductible for collisions that take place while on school business and vandalism that happens on school grounds. You can check out some other notable options below, too.
Car Insurance Companies with Teacher Policies
- Liberty Mutual
- California Casualty
- Horace Mann
- Plymouth Rock Assurance (New Jersey)
- Educators Insurance (Massachusetts)
- Meemic (Illinois, Michigan, Wisconsin and Georgia)
- Metlife (for members of teachers’ unions)
Car Insurance Affiliation Discounts for Teachers
Geico and Farmers offer discounts to members of certain professional and educational associations, which can help teachers save money. Geico provides savings for members of the Association of American Educators and the American Library Association, along with hundreds of other groups. Farmers, on the other hand, includes a discount of approximately 4% for customers who mark their occupation as teacher when getting a quote.
Certain state-wide educator associations have connections to specific insurance companies as well. For example, members of the Massachusetts Teachers Association and their immediate family can receive up to a 10% discount from Educators Insurance. Other insurance companies like Travelers use similar affinity programs, too. However, these companies do not publish the lists of organizations for which they provide discounts, so when in doubt, check with your insurance company to see if your association qualifies. You can also contact your association or union to ask about affiliations with insurance carriers.
Like any other driver, teachers should compare quotes to find the best insurance company for their needs. Teachers should also look for unrelated discounts – like safe driver, multi policy, and customer loyalty discounts – to maximize their savings.
People also ask
Does Geico offer a teacher discount?
Geico does not have a teacher discount, specifically. But Geico’s affiliation discount can save teachers who belong to certain educational organizations or who work for a college or university up to 8% on their car insurance premium. The exact amount you’ll save depends on where you live and which organization... read full answer
show lessCan you negotiate car insurance rates?
No, you cannot negotiate car insurance rates because the industry and prices are heavily regulated by each state. An insurance company can’t change its range of rates, once it is approved, without a new state review and evidence that the change is financially necessary. If your insurance company gave you... read full answer
show lessHow do I get the Geico affiliation discount?
If you already have a Geico policy, call customer service (800-207-7847) to ask about the additional affiliation discount of up to 8%. The discount is currently available to members of more than 800 partner organizations, and any organization with 50,000 or more active members is eligible for the program. Participating... read full answer
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