Your guide to the best rates (2022 guide)

Your guide to the best rates (2022 guide)

*Reviews are determined by our editorial team. Read more about our scoring method below.

#1 Geico: Affordable for most drivers

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

AM Best Financial Strength Rating: A++

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

Teachers who are members of 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: Specialist Teacher Coverage

BBB rating: A+

AM Best Financial Strength Rating: A

A wide variety of coverage options and plenty of additional protections make Liberty Mutual a solid choice for auto insurance. A new auto replacement insurance and a lifetime repair guarantee are among the optional coverages that you can take out through the well-known insurer.

Liberty Mutual offers custom auto insurance policies with special benefits for educators. These include protection against vandalism on school property, cover for collision while driving on school business and cover for school belongings and teaching materials in your vehicle. You can also stack discounts — for example, get additional savings by bundling your auto and renter insurance or home insurance — to save even more money.

Keep reading: Liberty Mutual Insurance Review

#3 Horace Mann: Custom Benefits for Teachers

BBB rating: A+

AM Best Financial Strength Rating: A

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

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

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