What do teachers pay for car insurance?

The average car insurance rates for teachers are $93.42/month. Teachers pay in the higher middle range for car insurance compared to other occupations.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: May 21, 2020

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Here's what you need to know...

  • Where you go to school is important when considering a teaching career
  • Each state has their own certification process
  • Teachers pay average prices for car insurance because they represent average risk

Your occupation can determine many things such as your income, your standard of living, and your tax situation. But did you know that your occupation can also determine your car insurance rates?

Currently, teachers, deans, and those with education degrees pay an average of $1,121.15 per year for car insurance.

If you are seeking a job as a teacher or want to earn a teaching degree there are some basics that can make the process go smoothly.

You can compare car insurance rates online by entering your ZIP code in the FREE box now!

Teacher/Dean/Education Degree Basics

First of all, choose your college or university wisely. Some colleges are known as “teaching schools.” This means that they have a reputation for excellence in this area and are preferred schools for education degrees.

Secondly, it is wise to attend college in the state where you want to work as a teacher in order to help the certification process go quickly. However, if this isn’t possible, you can still become certified, but it will take longer.

Becoming certified after graduation is a must. The sooner you can start the process the better.

Thirdly, if you want to become a teacher but you have a degree in something other than education, don’t worry.

Almost all states have a post-baccalaureate teacher education program that helps those with non-teaching degrees become certified.

You may have to take a few classes, but often you can begin teaching while completing your classes.

Lastly, if you move to another state after you have become certified, you will have to apply for certification in the new state.

Each state has different requirements and a different process to receive your certification. It is important to understand this before you begin the certification process.

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Education Degree Options

There are many employment options available for those with an education degree. If you want to focus on children, you can teach at these levels:

  • Preschool
  • Elementary
  • Junior high
  • High school

The certification you seek should match the area in which you want to focus your teaching. You can change your focus as your job or teaching desires change.

If you go beyond your Bachelor’s degree and pursue a Masters degree or even a Doctorate, you can become an assistant principal or principal at an elementary, junior high, or high school.

This requires some teaching experience first as both a requirement and on a practical level so you can understand a teacher’s point of view.

Becoming a college professor, a dean, or a chancellor are other options available for professionals in the teaching field.

If you prefer the administration or writing side of education, you can work for the department of education in your state writing curriculum and policies.

For this type of job it is also preferable if you have had some practical time in a classroom setting as a teacher.

Another option that has become popular in the last few years is individual tutoring or consulting.

If you want flexibility in your schedule and prefer to work one on one with students who are gifted or who struggle, you can become an education consultant or tutor.

If you choose this option, this is where owning your own company comes into play. As the owner of an education consulting business or tutoring company, you can control your hours and your income while doing what you love to do.

Car Insurance for Teachers/Deans

Car insurance for teachers, deans and those with an education degree is at the high end of the middle range of car insurance rates based on occupation.

This is because teachers tend to have after school events and evening events to attend putting them on the road in the evening several times a year.

Also, the insurance industry takes summer vacation and school holidays into consideration during which many teachers are not working. This means that they are spending more time on the road.

More time on the road means more of a risk for accidents, damage, or theft of a vehicle.

Even though each teacher’s schedule is different and some teachers work through the summer, insurance rates are based on the average activity of a teacher.

The average activity is gathered from statistics and surveys conducted by the insurance industry and other third parties. This information is then applied to setting car insurance rates.

No matter what your occupation, you can compare car insurance rates by entering your ZIP code in the FREE box now!

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