Best and Cheapest Car Insurance for Teachers of 2025

Although Horace Mann doesn’t exclusively sell to teachers, its insurance policies and other services are tailored to the education community. It offers a discount just for being a teacher, as well as an Educator Advantage package that can be added to home and auto policies. When added to auto policies, the package includes student liability coverage, new car replacement, waived deductibles for certain claims near school property, and more.

In addition, Horace Mann provides various financial services beyond insurance that teachers can benefit from and enjoy the convenience of only having to deal with one company. These include 529 college savings plans and retirement accounts. Teachers can also access free programs and workshops that can help them plan their financial future, including Student Loan Solutions, which provides tools and resources to support educators in paying off their debt.

Pricing data for Horace Mann is not available, so we recommend getting a quote to compare the rate you’re offered against other providers.

Travelers is one of the cheapest auto insurers nationwide, with average full coverage rates 33 percent below the national average, and minimum coverage rates 9 percent below the national average.

Beyond its affordable baseline rates, Travelers partners with the National Education Association (NEA), the largest teachers’ union in the country, to offer its members discounted insurance. The NEA advertises that members who switch to Travelers save an average of $611.

Travelers also offers a solid selection of add-on coverages. Options include gap coverage, which may be required if you finance or lease your car, as well as roadside assistance, rental reimbursement, accident forgiveness, and new car replacement. It also offers rideshare coverage, if you drive for Uber or Lyft as a side hustle.

Liberty Mutual is another insurer that offers a special occupation discount for teachers, which can help bring rates down, as it tends to be one of the more expensive insurers on average. It also has customized car insurance for teachers, which may include a waived deductible for vandalism on school property or during a school-related event, personal property coverage for teaching materials and school-owned property, and a waived deductible on collision claims related to driving on school business.

In addition to these specialized coverages, Liberty Mutual offers a wide variety of other potential add-ons, allowing teachers to fully customize their policy to fit their needs. These include new car replacement, better car replacement, diminishing deductible, original parts replacement, accident forgiveness, and Mexico car insurance.

Country Financial is a regional insurer that’s available in 19 states. It offers a discount of up to 15 percent for full-time K-12 teachers, making it a solid choice for educators who live in an area where it operates. It has several other discounts as well, including some unique ones, such as a discount for young engaged couples whose wedding is within the next year and for teens who complete the company’s driver’s education course.

Country Financial also has excellent customer service ratings, including an NAIC Complaint Index of 0.87,¹ meaning it receives fewer customer complaints than average. It also earned a CRASH Network Report Card rating of B-² and ranked fifth for customer satisfaction in J.D. Power’s 2025 Auto Insurance Study for the North Central region.³

While USAA doesn’t offer any specific discounts or benefits for teachers, it’s worth considering if you’re affiliated with the military. It has some of the cheapest average rates for both full and minimum coverage — even beating out Travelers — but it’s only available to active duty military members, veterans, and certain family members.

USAA also offers additional financial services, such as banking and investment accounts, and provides access to a wide range of military-specific resources, including support for transitioning from military to civilian life. It has two separate telematics insurance programs, which can help teachers save even more. One of them is based primarily on mileage, so if, for example, you have a short commute to school and you don’t drive much over the summer, this may be a great choice for you.