Cheapest car insurance for teachers

How much is car insurance for teachers?

The average cost of cheap car insurance for teachers is $2,264 annually, but cheaper rates are available. Grange Insurance has the cheapest rates for teachers at $1,429. Your occupation may affect car insurance costs, potentially resulting in lower rates or additional discounts. Since insurance rates vary significantly by state and company, teachers can find cheap car insurance by comparing rates from multiple companies.

Average cost of car insurance for scientists
Average annual premium	Average monthly premium
$2,264	$188

Average car insurance cost for teachers by company

Grange Insurance offers the cheapest car insurance rates for teachers at $1,429 per year, and Safeway Insurance has the most expensive rates at $3,321 per year. Car insurance rates for teachers vary among companies. Each insurer has its own formula for calculating risk, so rates can vary significantly.

This table shows the average car insurance rates for teachers by insurer.

Car insurance cost for teachers by company
Company	Average base rate	Average rate for teachers	Dollar difference	Percentage difference
Auto Club Group (AAA)	$1,834	$1,769	$65	4%
Country Financial	$2,298	$2,075	$223	10%
Farmers	$3,207	$3,184	$23	1%
GEICO	$2,159	$1,971	$188	9%
Grange Insurance	$1,512	$1,429	$83	5%
Mercury Insurance	$3,107	$2,981	$126	4%
Progressive	$2,569	$2,137	$432	17%
Safeway Insurance	$3,843	$3,321	$522	14%
Western National Insurance	$2,928	$2,826	$102	3%

Car insurance cost for teachers by state

Car insurance for teachers ranges from an average of $1,491 per year in New Hampshire to $3,549 in Louisiana; rates vary significantly by state due to different insurance requirements and weather-related factors. So, while car insurance for teachers may be less expensive in one state, rates may be higher in another.

The table below shows the average cost of car insurance for teachers by state.

Car insurance cost for teachers by state
State	Average base rate	Average premium for teachers	Dollar difference	Percentage difference
Alabama	$2,116	$1,900	$216	10%
Alaska	$2,167	$1,824	$343	16%
Arizona	$2,420	$2,242	$178	7%
Arkansas	$2,942	$2,507	$435	15%
Colorado	$3,181	$2,608	$573	18%
Connecticut	$2,742	$2,362	$380	14%
Delaware	$3,157	$2,772	$385	12%
Florida	$3,916	$3,342	$574	15%
Georgia	$2,503	$2,376	$127	5%
Hawaii	$1,757	$1,744	$13	1%
Idaho	$1,901	$1,720	$181	10%
Illinois	$1,938	$1,771	$167	9%
Indiana	$1,894	$1,672	$222	12%
Iowa	$2,460	$2,114	$346	14%
Kansas	$2,496	$2,207	$289	12%
Kentucky	$2,624	$2,234	$390	15%
Louisiana	$3,999	$3,549	$450	11%
Maine	$1,808	$1,555	$253	14%
Maryland	$1,999	$1,796	$203	10%
Minnesota	$2,591	$2,391	$200	8%
Mississippi	$2,397	$1,971	$426	18%
Montana	$2,476	$2,213	$263	11%
Nebraska	$2,095	$1,800	$295	14%
Nevada	$3,963	$3,305	$658	17%
New Hampshire	$1,689	$1,491	$198	12%
New Jersey	$3,122	$2,684	$438	14%
New Mexico	$2,577	$2,188	$389	15%
New York	$2,596	$2,347	$249	10%
North Carolina	$2,638	$2,397	$241	9%
North Dakota	$2,439	$1,984	$455	19%
Ohio	$1,783	$1,685	$98	5%
Oklahoma	$2,993	$2,834	$159	5%
Oregon	$2,048	$1,821	$227	11%
Pennsylvania	$2,327	$1,970	$357	15%
Rhode Island	$2,878	$2,356	$522	18%
South Carolina	$2,417	$1,957	$460	19%
South Dakota	$2,575	$2,332	$243	9%
Tennessee	$2,235	$1,790	$445	20%
Texas	$3,106	$2,655	$451	15%
Utah	$2,356	$2,139	$217	9%
Vermont	$1,660	$1,500	$160	10%
Virginia	$1,835	$1,531	$304	17%
Washington, D.C.	$3,465	$3,215	$250	7%
West Virginia	$2,415	$2,191	$224	9%

Car insurance discounts for teachers

On average, you can save 12% on car insurance with a teacher discount. However, the amount of savings may vary by insurer.

Some carriers offer car insurance discounts based on a driver’s occupation. Because each car insurance company offers different discounts, finding savings based on your profession may be challenging.

Car insurance discounts for teachers
Premium before discount	Premium after discount	Dollar savings	Percentage savings
$2,578	$2,264	$314	12%

How to get cheap car insurance as a teacher

Teachers can lower car insurance costs by comparing quotes, checking for occupational discounts, and seeking savings through professional organizations. Safe-driver and multi-policy discounts, along with paying the premium in full, offer additional ways to reduce costs. Reviewing coverage limits and deductibles helps balance savings with the protection a policy provides.

“Educators and the military are the most common, but you can find a company that discounts for almost any field; but it doesn't mean that it'll add up to a meaningful amount,” says Zack Pope, agency manager at David Pope Insurance in Union, Missouri. “Some states also do not allow for rating on job fields because of ethics. We have several companies that just ask if the person is employed or not.”

Fortunately, there are other ways to save on car insurance besides lower rates and teacher-specific discounts

First, check for other car insurance discounts you may be eligible for. For example, you may qualify for savings such as safe driver, multi-policy and paying your premium in full. Most insurers allow you to stack discounts for the most significant savings.

Next, consider joining a professional organization. Some insurers, such as GEICO, offer discounts to drivers who are members of specific organizations.

Additionally, your personal factors affect car insurance rates. Consider adjusting coverage limits and deductibles to lower rates. Maintaining a clean driving record and a high credit score can also help you save on car insurance.

Finally, compare rates from multiple companies to find the cheapest car insurance for teachers. Consider rates, discounts, and coverage to find the best insurer for your needs.