Auto Insurance for Teachers, Instructors, Coaches, and TAs

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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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Mar 30, 2021

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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.

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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
OccupationsGeico Monthly RatesGeico Six-Month RatesGeico Annual Rates
Professor
w/ College Degree
$72$430$860
Instructor/Coach/TA$151$906$1,812
Teacher/Dean/Educ Degree$151$906$1,812
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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.

Average Annual Auto Insurance Rates by Commute
CompaniesAverage Annual Rates for
10 Miles Commute
6000 Annual Mileage
Average Annual Rates for
25 Miles Commute
12000 Annual Mileage
USAA$2,483$2,592
GEICO$3,163$3,267
State Farm$3,176$3,344
American Family$3,401$3,485
Nationwide$3,437$3,463
Progressive$4,030$4,041
Farmers$4,179$4,209
Travelers$4,400$4,470
Allstate$4,842$4,934
Liberty Mutual$5,995$6,152
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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 could help to cut expensive costs.

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. 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.

Frequently Asked Questions: Auto Insurance for Teachers

#1 – Can you negotiate with auto insurance?

No, you can’t negotiate car insurance rates, but you can always ask about applying for discounts.

#2 – Is Horace Mann auto insurance only for teachers?

Yes. Horace Mann insurance rates are targeted toward teachers and other educators. You won’t be able to get a quote for Horace Mann insurance unless you work in the education field.

#3 – What happens if you suspend your auto insurance?

If you suspend your auto insurance, it pauses your coverage but doesn’t cancel it. Consumers can use this option to prevent a lapse in insurance.

#4 – Who actually has the cheapest auto insurance?

USAA has the cheapest auto insurance in the nation overall. However, cheap coverage will vary by state.

#5 – Which insurance company is best for auto?

According to A.M. Best, the best companies for auto insurance are State Farm, Progressive, and Geico.

#6 – What are the worst insurance companies?

According to Consumer Reports, MAPFRE North America Group, MetLife Auto & Home Group, and Mercury General Group are the worst auto insurance companies.

References:

  1. https://www.nasdaq.com/articles/higher-education-equals-lower-car-insurance-2013-05-24
  2. https://www.fhwa.dot.gov/ohim/onh00/onh2p11.htm

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