Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Reviewed by Jeffrey Johnson
Insurance Lawyer

UPDATED: Jul 14, 2021

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In a nutshell...

  • Teachers have specific responsibilities that often take them to different locations
  • A teacher’s responsibilities can lead to added risk of vandalism, theft, or other incidents for teachers
  • You may have to drive school vehicles to school events as well, creating more insurance liability
  • Shop and compare to get the best deal and look for companies that offer discounts and special rates to teachers

Are you a teacher who is looking for auto insurance? Teachers have a unique responsibility to their school system and kids that they teach.

They are also expected to be able to travel to area school events such as ball games, club competitions, or other situations. Some schools offer a school car that teachers can drive to such activities, but many do not.

Some companies cater to teachers by offering special rates or discounts. Others offer a variety of coverage options that include things that teachers often encounter in the course of their jobs.

Below we review two insurance companies that provide special coverages or deals for teachers that you can check out.

If you are a teacher in need of better auto insurance, start comparison shopping today by entering your ZIP code above!

Liberty Mutual

Liberty Mutual is an insurance company who has the needs of teachers at heart and offers some insurance options that teachers may appreciate.

Vandalism Loss Protection

As a teacher, you have a higher risk of vandalism than some people do. You often have your car in areas that are prone to theft or vandalism.

You may have to drive long distances and park your vehicle in places that have more traffic or in poorly lighted areas.

Because of all of these reasons, it’s important to have vandalism protection. This is a special type of insurance that is normally covered by comprehensive coverage so teachers many want to look into this.

Personal Property Coverage

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Another risk to teachers is the loss of personal property.

Did you know that, if you have a car break-in, you may not be compensated for the loss of personal items that you leave in the car?

Personal property coverage allows you to obtain coverage to cover the loss of these items.

Collision Coverage

Collision coverage is insurance that covers damages to your car in an accident or another event, including one-car crashes or parking lot mishaps. Some types of insurance do not cover this.

Teachers may want to look into coverages that offer to pay for more than just accidents, since they may be in situations that may result in collisions that do not happen on the road.

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Geico

Another company who caters to teachers is Geico Insurance. Geico started out as a “government employees'” best choice for insurance in the 1930s, and it was developed at that time solely for government officials in Washington, D.C. who were employed by the federal government.

While Geico no longer caters only to federal or government employees, they have some discounts available for teachers and others who work in government or the public service sector.

Geico has always held a strong belief that people should be rewarded for hard work and service in the public sector so you may qualify for a discount due to your profession.

These are two companies that are dedicated to offering good deals for teachers and others in political government positions that you may want to look into.

Look for Discounts

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If you are a teacher, one of the factors you have to consider is your budget. While teachers make more money than they used to, they are still on a “fixed income.” Teacher salaries vary from state to state and depending on the number of years of service.

When you are on a fixed income, you will get the same amount of income from month to month, and you have to find deals that will work with your personal budget.

There are other discounts that you may qualify for even if they are not considered teacher discounts. Some other discounts you may be eligible for include:

  • Safe driver discount
  • Student discount
  • Military discount
  • Low mileage discount

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Those are a few of the other types of discounts you might qualify for. The safe driver discount is for people who have had less than two traffic violations in about a three year period, but this varies according to the company offering the rebate.

If you are a student working on a graduate degree and maintain a “B” or better average, you may qualify for that type of discount.

Other discounts include the low mileage discount that you may want to look into if you do not go on too many school field trips and the military discount that is available for active and non-active service members.

Insurance Should Take Priority

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When you are planning your budget, whether you have limitless income or you are on a fixed income, you should make insurance a top priority.

This site shows the average monthly salary for teachers after taxes based on a $41,000 salary. It’s wise to plan your budget carefully when you are dealing with a set amount of income per month so that you can allocate it to where it will do the most good and disperse it according to your priorities.

While no one likes to think about the possibility of accidents or bad things happening, you should think of your car, life, and health insurance as your top priorities.

If you have an accident, the cost can skyrocket overnight and you could be forced to pay out-of-pocket expenses. Then you will be behind in your budget, and it will be very difficult to catch up.

Additionally, once you have an accident, your premiums will go up. But it is better to be on an insurance plan and see an increase in your premiums than to fail to have coverage and have to pay everything from your pocket.

If you do not have car insurance and you have an accident, your premiums will be much higher when you try to get back on a plan due to your previous accident and for driving without coverage.

Remember that insurance companies consider it a great risk to be off of insurance for any period more than one month. Not having insurance can drastically affect your rates if you are able to get back on your plan once you have let it expire.

Keep in mind that cost of premiums is not the only concern. For teachers on a fixed income, you should think about other factors such as: 

  • The risk that is involved in taking students on school outings if you use your car
  • The risk of property damage or liabilities if you have an accident while driving a school car, etc.

Check with your school administrator or read your school employee manual to be aware of the regulations that your school honors regarding these issues as well as how much insurance they purchase for school vehicles.

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Do you need GAP insurance?

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When it comes to driving the school car or vehicles, find out how much insurance your school carries on your school car. Then consider getting some temporary or “GAP insurance.”

The amount of coverage that your school offers may not be enough considering the level of risk that you take on as a teacher in charge of school trips or events.

GAP insurance is meant to cover the “gap” between what a leasing company does not cover in a lease agreement.

GAP insurance is usually for rental cars, but you may want to ask if you would need this type of coverage if you are driving a school-owned vehicle to school events.

Weigh the Risks and the Cost

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Teachers have legal responsibilities and risks when they take students or other staff members to area school events. You need to think about the amount of risk you take on with this sort of activity and decide how much insurance coverage you need based on these risk factors.

When you talk to an insurance representative, share with them that you are a teacher by profession and ask for advice on how much and what type of coverage you need to make sure you are covered.

Of course, you should always include the most mandatory coverages first, such as bodily injury liability and property damage liability. Then you will want to look into the optional coverage such as some of the ones listed below:

  • Comprehensive  Comprehensive insurance covers many of the things you may encounter as a teacher such as vandalism, theft, or destruction of property. As a teacher, you may often have your vehicle in places that can increase the chances of such incidents, such as going on school trips that take you to unknown areas that are more prone to crime.
  • Collision  Collision insurance is meant to cover the costs of damage to your vehicle in an accident. Collision coverage does not include damage that occurs while off the road but only applies to traffic incidents.
  • Uninsured/underinsured  Uninsured and underinsured insurance covers accidents where the other driver is at fault in a “fault state,” but they were not adequately insured. You will then have a way to pay for damages to your car when the other driver cannot pay and avoids you having to pay “out of pocket.”
  • Rental car  Rental car insurance is insurance that allows you to rent a car when your car is being serviced or is unavailable to drive. It usually allows you to rent a car at no extra charge for a week or more as long as your car is in the shop due to an accident.
  • Roadside assistance  Most insurance companies also offer roadside assistance, which allows you to have immediate help if you are ever stranded on the side of the road. Roadside assistance provides some extra security. Ask an agent to tell you if the company you are considering has this type of insurance.

Ultimately, the best way to see what kind of insurance you need as a teacher is to shop around and compare at least two or three companies. Read the fine print and ask questions on things you don’t understand.