Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com.

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Aug 24, 2021

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The lowdown...

  • Teachers and professors who educate children and adults will qualify for a favorable auto insurance rate
  • According to claims data that includes the driver’s occupation, teachers are less likely to have auto accidents
  • When you enjoy a national or state-based teacher’s association, you may have access to special affinity discounts
  • Educators should ask how they are covered in their vehicles if they drive to a field trip in a personal vehicle
  • Some companies have special policy features for educators like deductible waivers while their car is at school

Educators spend years enrolled in college courses to study curriculum models and strategies to educate students and facilitate curriculum development. They do this so that they can provide an amazing service to others who wish to better their own education, which is highly commendable, and there are many ways in which companies show their appreciation.

After college, and the student completes their PRAXIS Series and state certification exams, they can officially apply for teaching positions in their area.

There’s a standardized process to become and educator, but that doesn’t mean there are standardized discounts for professionals in your field.

Many auto insurance carriers offer discounts to certified educators, scientists, and even engineers because they serve the communities they work in. Providing discounts for teachers is a wonderful way to show that a company cares.

Enter your zip code above to help you find the best rate for car insurance.

Do educators fall into a low-risk occupation class?

When you’re buying your own disability insurance or life insurance, you know that your occupation will be considered to determine your rates.

There are some risky jobs out there that can lead to injury or even death, and insurers must rate the client appropriately to assume the right level of risk.

Believe it or not, your occupation is also factored in when calculating your auto insurance rates.

You might not be driving for work when you work in education, but you can be associated with a higher accident risk because of the field you work in. You have to drive to and from each day, work long hours, and are going to be on the road more than someone who works from home. Chances are you’re going to need an auto policy that will cover you.

Stress levels at work, work hours, and work setting all factor into a professional’s accident risk. Luckily for you, educators fall into a low-risk occupation class.

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Will some carriers give preferred occupation discounts?

After spending the last four years in college studying for your Bachelor’s, it can be a bit shocking that the average starting salary for an educator is only $36,141.

In some states, starting salaries are as low $31,000. Since you’ll have to put in some years before you’ll earn more money, it’s nice to look for discounts wherever you can get them.

The good news is that there are absolutely discounts for teachers out there. Some companies are committed to offering professionals who serve their communities special discounts. These professionals include:

  • police
  • firefighters
  • EMTs
  • educators
  • engineers
  • scientists

The discount can be called a different name through different carriers, but it’s generally called the Preferred Occupation Discount. Some companies with these discounts include:

  • Geico
  • Esurance
  • USAA
  • Liberty Mutual
  • California Casualty
  • Farmers Insurance
  • Horace Mann
  • Plymouth Rock New Jersey

Can your level of education help?

Educators pay less than the average consumer on their premiums because they are in a low-risk occupational group and they qualify for occupational discounts.

Another factor that works into a teacher’s favor is the educational attainment auto insurance rating.

You probably don’t attend college and earn your degree just to get discounts on your bills, but when you’re a degree holder that’s exactly what will happen.

The higher the level of education you’ve completed, the lower you risk rating.

Statistics show that professionals who have their degrees are less likely to get into at-fault accidents.

Are you a member of a teaching association?

The National Educators Association is a professional organization that was founded to help teachers advance themselves in their careers. Members of the NEA can also qualify for special discounts.

One of those benefits is that you can receive special members-only rates through California Casualty, which has an NEA auto insurance program.

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Should you look for special policy features for teachers?

Not all insurers are created equal. There are carriers that are known for offering the lowest rates on the market but that have a reputation for denying claims or trying to offer unreasonably low settlements. There’s a big difference between the service they’re going to offer, and an insurer who is going to cost more money, but will ultimately end up helping you in your time of need.

Since teachers are exposed to unique risks, you need to look for a policy with special features like:

  • Personal Property Coverage for education-related property inside your vehicle
  • Comprehensive deductible waiver if your car is vandalized while your car is parked on school property
  • Personal Property at School Coverage
  • Limited coverage for fundraising money while it’s in your vehicle
  • Identity Theft Protection
  • 12-month rate guarantees
  • Collision damage waiver if the vehicle is damaged while you’re driving your car for school business

Should you choose a company based on the company’s reputation?

Special policy features are definitely incentives for you to choose one carrier over another, but that doesn’t really represent whether or not the company has a good reputation in the industry.

There are bad faith tactics that some claims adjusters are taught to use to avoid paying out high-ticket claims.

You rely on the insurer you’re insured with to protect you and if they aren’t providing you with that protection, you’re paying premiums for nothing.

You don’t want to wait for your claims check so that you can seek treatment or repair your car. Here are some qualities to look for when choosing a carrier:

  • Financial stability rating through rating companies like AM Best or Moody’s
  • Licensing status through the state insurance department that you reside in
  • Complaint Index information through the National Association of Insurance Commissioners
  • Customer Satisfaction ratings through consumer agencies like JD Power
  • Claims Satisfactions ratings published online
  • Contact method options

Your satisfaction as a consumer should always be taken into consideration. Educators have enough stress on their full plates as it is; a company who is going to give them the runaround shouldn’t be heaped on top.

How are you able to get other discounts?

Not all discounts are directly or indirectly related to you being an educator. You can stack all of your discounts and save more money if you take advantage of other savings. Here are some of the auto insurance discounts to look for:

  • Good Driver Discount
  • Accident-Free Discount
  • Low-mileage Discount
  • Anti-Theft Discount
  • Good Credit Discount
  • Homeowner Discount
  • Driver’s Education Discount
  • Multi-car
  • Multi-line

Teachers have a very fulfilling occupation where they can help shape future educators, politicians, and business owners. You might as well save money on your insurance for doing what you love.

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