Horace Mann Insurance Review 2025

Horace Mann is a financial services company offering products and services tailored to the education community, which includes teachers, administrators, and public school employees. It was founded in 1945 in Springfield, Illinois, and provides a range of insurance and investment products.

Although it doesn’t exclusively sell to educators, it offers specific discounts, programs, and other benefits for those working in education, so it is best suited to this demographic. In addition to auto insurance, Horace Mann underwrites property, life, umbrella, and supplemental health insurance policies. Its financial products include 529 college savings plans and retirement accounts.

Horace Mann sells through local agents, making it ideal for those who want to work with and purchase via a human instead of online. In addition, it has strong third-party financial stability ratings, so it can be trusted to pay out claims.

I’m a senior editor and analyst at AutoInsurance.com, and I’ll walk you through what you need to know about Horace Mann using our team’s industry research, as well as my own knowledge and experience, to help you decide if it’s a good fit for you.

Jump to: 

• Horace Mann Car Insurance Cost 
• Horace Mann Discounts
• Quote and Purchase Process
• Coverage Options
• Filing a Claim

How Much Does Horace Mann Car Insurance Cost?

Pricing data for Horace Mann is not widely available, but the company advertises that educators save an average of $624 per year when switching from other insurers. If you work in education, I recommend getting a quote to see if you could save money.

How You Can Save on Your Policy With Horace Mann

Horace Mann offers several discounts to help policyholders save on insurance, including some aimed specifically at educators.

Highlighted Discount: Educator Discount

Horace Mann offers an auto insurance discount to teachers and administrators because it states that, according to its research, educators tend to be better-than-average drivers.

Highlighted Discount: Educator Advantage

As an educator, you can also qualify for Horace Mann’s Educator Advantage package, which is available at no additional cost on auto and home insurance policies.

With an auto policy, this package includes:

• Liability coverage when you transport students in a vehicle insured by Horace Mann
• Up to $1,000 in personal property coverage for work-related items if they are stolen or damaged in your car
• Up to $1,000 in pet coverage

In addition, Horace Mann will pay to replace your car if your new car is totaled, and will cover up to $35 in transportation expenses in the event you’re away from home and feel you can’t drive safely (applies only if you already carry rental reimbursement coverage).

The Educator Advantage package also waives the deductible for the following situations:

• Covered vandalism losses on or near school property or while you’re attending a school-sponsored event
• A collision claim on or near school property or while you’re attending a school-sponsored event
• A collision claim with another car insured by Horace Mann

Other Horace Mann Discounts

Horace Mann also offers the following discounts:

• Multiline discount: Also known as a bundling discount, this saves you money if you have multiple policies with Horace Mann, such as auto and home or renters.
• Multicar discount: Get a discount if you insure more than one vehicle in your household.
• Payroll discount: Save money if you choose to have your premiums deducted directly from your paycheck.
• New customer discount: Available to new customers who switch their insurance to Horace Mann.
• Safe driver: Drivers who have gone a certain amount of time without violations can save money.
• Car safety discount: Get a discount for having safety features installed in your vehicle, which may include anti-lock brake systems or airbags.
• Good student discount: If you have a full-time student on your policy, like a teen or college student, they can get a discount for maintaining a certain GPA.

Horace Mann Quote and Purchase Process

Horace Mann sells policies via its network of local agents, but it allows you to begin a quote online by clicking “Get a Quote” on its homepage. You’ll first need to select what type of insurance you want a quote for — you can choose between auto, home, renters, life, and retirement.

I selected auto to try out the quote process and was prompted to input my ZIP code. The next screen asked whether I work in education.

I answered no, and I then had to input my basic information, including my name, address, email address, and phone number. As soon as I had done that, I was shown the following screen, which informed me that I would be hearing from an agent to finish the quote process.

(Note that we’ve taken out the agent’s information here for privacy reasons, but it shows the agent’s name, address, and phone number.)

I also tested out a different ZIP code because my initial quote process was unexpectedly quick and basic, and interestingly, it opened up a more robust portal:

This time, I was prompted to add more of my current information and coverage preferences using one of three methods: linking the info via my current insurance company, looking up public records, or simply entering it myself.

Either way, you will need to complete your quote and purchase process by speaking with an agent, but you may have a different experience beginning your quote online depending on your ZIP code.

What Types of Auto Insurance Coverage Does Horace Mann Offer?

Horace Mann’s coverage options are pretty basic. You’ll find standard options, including liability, collision, comprehensive, and uninsured motorist coverage, but not much beyond that.

The only two add-on coverages that Horace Mann offers aside from those listed above are as follows:

Filing a Claim With Horace Mann

You can file a claim with Horace Mann online, over the phone with your agent, or, technically, via the mobile app. However, the claim filing on the mobile app is through a web browser, so there’s not much difference between going through the app versus the website.

If you file a claim using the website portal, you’ll need to first select whether you’re a Horace Mann customer or had an incident with a Horace Mann customer. Then, you can select the type of claim you’re filing: emergency roadside service, glass-only auto, auto, or property. You will move on to providing more details about the claim, and you’ll need your policy number or your name and phone number. The company notes that this process takes about 10 minutes to complete.

Once you submit the claim, it will be forwarded to a Horace Mann regional office, and you will be contacted shortly after by a representative from the office handling the claim. The timeline for the claims process will depend on the severity of the incident and whether someone else was involved.

If the damage is minor, Horace Mann may allow you to submit through the Horace Mann photo app, but you’ll need instructions from your claim representative if your claim is eligible.