Your Guide to the Best Rates (2022 Guide)

*Ratings are determined by our editorial review team. Learn more about our scoring methodology below.

#1 Geico: Affordable for Most Drivers

Better Business Bureau (BBB) ​​Rating: A+

AM Best Financial Strength Rating: A++

Geico is an excellent choice for auto insurance due to its combination of coverage options, affordable rates, availability and industry reputation. According to our rate estimates, 35-year-old drivers with clean driving records and good credit pay about $1,308 per year for car insurance through Geico. This is about 24% lower than the national average of $1,730 per year.

Teachers who belong to various educational organizations can get special discounts from Geico. The Association of American Educators, American Library Association, Music Teachers National Association, National Tutoring Association and more are among Geico’s many educational affiliates.

Keep reading: Geico insurance review

#2 Liberty Mutual: Specialized Teacher Coverage

BBB Rating: A+

AM Best Financial Strength Rating: A

A wide range of coverage options and plenty of add-on protections make Liberty Mutual a solid choice for an auto insurance policy. New car replacement insurance and a lifetime repair guarantee are among the optional coverages you can purchase through the well-known insurer.

Liberty Mutual offers customized car insurance policies with special benefits for teachers. These include protection from vandalism on school property, collision coverage when driving on school business and coverage for school-owned items and teaching materials in your vehicle. You can also stack discounts — for example, accessing additional savings by bundling your car and renters insurance or home insurance — to save even more money.

Keep reading: Liberty Mutual insurance review

#3 Horace Mann: Customized Benefits for Teachers

BBB Rating: A+

AM Best Financial Strength Rating: A

Horace Mann was founded in 1945 by teachers and focuses on offering affordable insurance policies to educators. The company offers discounts for teachers who have multiple policies, who have their premiums automatically deducted from their paychecks and who are members of educational associations. Their Homeowner Educator Advantage® Endorsement provides additional, free coverage to educators with a Horace Mann home, renter or condo policy. For greater peace of mind, educators can choose to add on other insurance products such as roadside assistance.

Educators who purchase a Horace Mann insurance policy receive the company’s Educator Advantage™ package at no extra cost. The additional benefits include:

  • Reimbursement if new car is declared a total loss
  • Collision and vandalism coverage when on school property or at school-related events
  • Liability coverage when transporting students in covered vehicles
  • Up to $1,000 in personal property coverage for teaching materials stolen or damaged in a vehicle

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