Horace Mann Car Insurance Review for 2026 [Comprehensive Overview]
Our Horace Mann car insurance review found it is a top choice for educator and student car insurance, with rates starting at $59/month. However, it provides fewer coverage options, and while rates are competitive for most drivers, high-risk and young drivers out of school may find costs higher than average.
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Insurance and Finance Expert
Laura Gunn is a former teacher who uses her passion for writing and learning to help others make the best decisions regarding finance and insurance. After stepping away from the classroom, Laura used her skills to write across many different industries including insurance, finance, real estate, home improvement, and healthcare. Her experience in various industries has helped develop both her ...
Laura Gunn
Licensed Agent & Financial Advisor
Schimri Yoyo is a financial advisor with active insurance licenses in seven states and over 20 years of professional experience. During his career, he has held roles at Foresters Financial, Strayer University, Minnesota Life, Securian Financial Services, Delaware Valley Advisors, Bridgemark Wealth Management, and Fidelity. Schimri is an educator eager to assist individuals and families in ach...
Schimri Yoyo
Updated January 2025
Our Horace Mann car insurance review highlights its top benefits for educators, including a 20% discount and the Educator Advantage program, which reduces or waives deductibles for on-campus incidents.
While Horace Mann offers cheap car insurance for teachers with clean driving records, young drivers and those with DUIs may face higher premiums. The company provides basic coverage options but lacks gap insurance.
Horace Mann Car Insurance Rating
| Rating Criteria |  |
|---|---|
| Overall Score | 4.1 |
| Business Reviews | 4.0 |
| Claim Processing | 3.3 |
| Company Reputation | 4.0 |
| Coverage Availability | 5.0 |
| Coverage Value | 3.8 |
| Customer Satisfaction | 3.6 |
| Digital Experience | 4.0 |
| Discounts Available | 5.0 |
| Insurance Cost | 4.1 |
| Plan Personalization | 4.0 |
| Policy Options | 3.8 |
| Savings Potential | 4.4 |
With discounts for good students and safe drivers, Horace Mann Educators Corporation is ideal for educators looking for car insurance savings.
However, it may not be the best choice for high-risk drivers. Always compare quotes to ensure you get the best rate.
- Horace Mann car insurance rates start at $59/month for educators
- Educators and students get exclusive savings with Horace Mann
- Horace Mann is rated 4.1/5 but does lack some coverage options
Cost of Horace Mann Car Insurance
Your car insurance rates at Horace Mann will be calculated based on several risk factors, including age. You will receive higher rates if you are younger or a new driver.
Horace Mann Car Insurance Monthly Rates by Coverage Level, Age, & Gender
| Age & Gender | Minimum Coverage | Full Coverage |
|---|---|---|
| 16-Year-Old Female | $117 | $209 |
| 16-Year-Old Male | $123 | $218 |
| 18-Year-Old Female | $101 | $193 |
| 18-Year-Old Male | $126 | $236 |
| 25-Year-Old Female | $84 | $162 |
| 25-Year-Old Male | $93 | $178 |
| 30-Year-Old Female | $78 | $149 |
| 30-Year-Old Male | $82 | $153 |
| 45-Year-Old Female | $67 | $120 |
| 45-Year-Old Male | $74 | $132 |
| 60-Year-Old Female | $59 | $108 |
| 60-Year-Old Male | $64 | $119 |
| 65-Year-Old Female | $66 | $114 |
| 65-Year-Old Male | $73 | $128 |
In addition to calculating average car insurance rates by age and gender, Horace Mann will also consider your driving record. Drivers with a clean driving record will have the lowest rates.
Horace Mann will raise rates slightly for drivers with a traffic ticket, such as a speeding ticket. Rates are increased substantially for drivers with a DUI or at-fault accident.
Since every company will raise rates for drivers with tickets, DUIs, or accidents on their record, it’s crucial to compare Horace Mann’s rates to other companies. Read on for more rate analysis.
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Compare Horace Mann Car Insurance Rates to Top Providers
Horace Mann is one of the pricier companies for young drivers, so teenagers may wish to shop at cheaper companies unless they are joining their parent’s Horace Mann policy.
Horace Mann Monthly Rates Compared to Other Providers by Age and Gender
| Insurance Company | Age: 17 Female | Age: 17 Male | Age: 25 Female | Age: 25 Male | Age: 35 Female | Age: 35 Male | Age: 60 Female | Age: 60 Male |
|---|---|---|---|---|---|---|---|---|
 | $370 | $410 | $120 | $127 | $105 | $115 | $96 | $100 |
 | $325 | $370 | $115 | $120 | $95 | $100 | $87 | $90 |
 | $300 | $340 | $110 | $115 | $95 | $100 | $88 | $90 |
 | $381 | $420 | $119 | $125 | $103 | $110 | $94 | $98 |
 | $400 | $440 | $125 | $130 | $110 | $120 | $98 | $102 |
 | $360 | $400 | $118 | $123 | $102 | $110 | $94 | $97 |
 | $275 | $310 | $108 | $110 | $90 | $94 | $85 | $87 |
 | $350 | $390 | $115 | $120 | $100 | $105 | $92 | $95 |
 | $290 | $320 | $109 | $112 | $92 | $97 | $89 | $91 |
 | $310 | $350 | $113 | $118 | $98 | $103 | $90 | $93 |
Horace Mann is also a more expensive option for DUI drivers, so it is best for drivers with clean driving records or only one minor infraction.
Drivers with a poor driving record may have to purchase mandatory high-risk insurance, which costs more. In these cases, drivers should research the cheapest companies for poor drivers.
Brandon Frady Licensed Insurance Producer
For example, if you compare Horace Mann Insurance vs. State Farm rates for DUI drivers, State Farm is $83 cheaper monthly (Learn More: Cheap Car Insurance After a DUI).
Horace Mann Monthly Rates Compared to Other Providers by Driving Record
| Insurance Company | Clean Record | One Ticket | One Accident | One DUI |
|---|---|---|---|---|
| $160 | $188 | $225 | $270 |
| $58 | $70 | $82 | $107 |
| $80 | $106 | $132 | $216 |
| $125 | $135 | $155 | $195 |
| $174 | $212 | $234 | $313 |
| $115 | $137 | $161 | $237 |
| $105 | $140 | $186 | $140 |
| $86 | $96 | $102 | $112 |
| $99 | $134 | $139 | $206 |
| $59 | $67 | $78 | $108 |
While young drivers and DUI drivers will find Horace Mann expensive, Horace Mann’s rates are in the middle for all other drivers, making it an affordable option for most.
Car Insurance Coverage Options at Horace Mann
A few different Horace Mann auto insurance coverage options are available to purchase. Horace Mann’s full coverage list is as follows:
Horace Mann Car Insurance Coverages
| Coverage Option | Description |
|---|---|
| Collision Coverage | Covers damages to your car from collisions, regardless of fault |
| Comprehensive Coverage | Protects against non-collision damages such as theft, vandalism, or natural disasters |
| Educator Advantage | Exclusive benefits for educators, including waived or reduced deductibles for on-campus incidents |
| Emergency Road Service | Includes services like towing, battery jump-starts, tire changes, and lockout assistance |
| Liability Coverage | Provides protection for bodily injury and property damage you cause to others in an accident |
| Rental Reimbursement | Pays for a rental car while your vehicle is being repaired after a covered loss |
| Uninsured/Underinsured Motorist | Covers injuries and damages if the at-fault driver has inadequate or no insurance |
While Horace Mann offers extras like roadside assistance and rental reimbursement, it is missing gap insurance for new vehicles.
If you need add-on coverage like gap added to your policy, you may want to shop elsewhere for a company offering more coverage (Read More: Compare Car Insurance by Coverage Type).
Horace Mann Car Insurance Discounts
Horace Mann Educators Corporation offers discounts to help educators save on their auto insurance, with the most significant discount being 20%.
Horace Mann Car Insurance Discounts & Savings Potential
| Discount Name | Savings | Who Qualifies? |
|---|---|---|
| Driver Safety | 20% | Policyholders with a clean driving record |
| Multi-Car | 20% | Drivers insuring more than one vehicle |
| Bundling | 15% | Drivers with more than one policy, like auto & home |
| Defensive Driving | 15% | Those who complete an approved safety course |
| Good Student | 15% | Students with a B average (3.0 GPA) or higher |
| Anti-Theft | 10% | Owners of cars equipped with anti-theft devices |
| Educator | 10% | Teachers, educators, & staff with Horace Mann |
| Membership | 10% | Members of eligible groups or assocations |
| Payroll | 10% | Horace Mann customers enrolled in automatic payments |
| New Customer | 5% | New policyholders switching to Horace Mann |
Other great discounts include bundling discounts, good driver discounts, and good student discounts. How much do school grades affect car insurance rates? Customers can reduce rates substantially by applying for Horace Mann discounts.
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Customer Reviews of Horace Mann Car Insurance
Customer insights can help you avoid a company with poor customer service and other issues. Reviews of Horace Mann Insurance on Reddit are mixed, with positive reviews stating helpful customer service and affordable rates for teachers.
Do car insurance rates increase every year with Horace Mann? Negative customer reviews do mention rate increases despite zero changes in driving history due to inflation.
A few disgruntled customers also talked about poor customer service, although other customers mentioned helpful assistance from local agents.
Horace Mann Car Insurance Business Ratings
Customer reviews are just one part of the picture. Business ratings of Horace Mann are also essential to review, as they give insight into financial strength, Horace Mann complaints, and more.
Horace Mann Car Insurance Business Ratings & Consumer Reviews
| Agency | |
|---|---|
 | Score: 820 / 1,000 Avg. Satisfaction |
 | Score: A Good Business Practices |
 | Score: 74/100 Good Customer Feedback |
 | Score: 0.95 Avg. Complaints |
 | Score: A Excellent Financial Strength |
Horace Mann insurance reviews on BBB resulted in an A rating for good business practices. It also has average complaints on NAIC and average customer satisfaction ratings on J.D. Power (Read More: Car Insurance Companies With the Worst Customer Satisfaction).
The number of NAIC complaints is an important indicator of consumer experiences, and high complaint numbers point to unfair business practices, poor customer service, and other issues.
Dani Best Licensed Insurance Producer
So, while Horace Mann doesn’t have the highest ratings possible from businesses, its ratings are still good and show that Horace Mann is one of the better companies on the market.
Horace Mann Car Insurance Pros and Cons
Horace Mann is a solid choice for educators looking for affordable auto insurance. Some of the perks you’ll get when signing up with Horace Mann include:
- Educator Benefits: Horace Mann caters especially to teachers, offering benefits like Educator Advantage, where deductibles are waived or reduced for on-campus incidents.
- Discount Opportunities: Horace Mann discounts offer savings for good students, safe driving, and much more.
- Good Business Ratings: Customers will find that Horace Mann has good ratings from NAIC, BBB, J.D. Power, and more.
For the most part, Horace Mann is a solid choice of company. However, there are some downsides to choosing Horace Mann Insurance Company.
- High-Risk Driver Rates: Horace Mann is a less affordable choice for teenage drivers and DUI drivers.
- Add-On Coverage Options: Horace Mann has a decent selection of coverages, but it lacks gap coverage (Learn More: Do you need gap insurance on a used car?).
If you are a high-risk driver, we recommend getting a quote from Horace Mann to compare it to other companies’ quotes.
Comparing Horace Mann’s auto insurance rates to other companies will help you determine if Horace Mann offers the best deal.
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Deciding if Horace Mann Car Insurance is the Right Fit for You
Our Horace Mann car insurance review found that its discounted rates for educators and students are a major pro. Horace Mann stands out with its “Educator Advantage” program, offering car insurance deductible reductions for on-campus incidents.
This makes it ideal for teachers, but high-risk drivers may want to explore other options, as higher rates for young and DUI drivers are a notable con.
With varying rates based on factors like age and driving history, it’s important to compare multiple quotes to find the best policy for your needs. Search for affordable car insurance today with our free quote tool.
Frequently Asked Questions
Is Horace Mann insurance legit?
Yes, Horace Mann Educators Corporation is a legitimate auto insurance company.
Is Horace Mann insurance only for teachers?
Horace Mann is not just for teachers; its focus on educators makes it best for teachers. If you are not an educator, shop for affordable car insurance by entering your ZIP in our quote tool.
How does Horace Mann compare to other insurance companies?
Horace Mann is not as large or as well-known as other insurance companies like State Farm or Geico, but it is still a respectable option with competitive rates (Read More: Car Insurance Company Comparison).
How long has Horace Mann Insurance been in business?
Horace Mann has been in business since 1945.
Who is the CEO of Horace Mann Insurance?
The current CEO of Horace Mann Insurance is Marita Zuraitis.
What kind of insurance is Horace Mann?
Horace Mann sells auto insurance, as well as home, renters, and life insurance. You can get multiple policy car insurance discounts by purchasing more than one type of insurance from Horace Mann.
What is the AM Best rating for Horace Mann insurance?
A.M. Best gave Horace Mann an A rating.
Is Horace Mann a mutual insurance company?
No, Horace Mann is not a mutual auto insurance company.
Who is the largest mutual insurance company?
State Farm is the largest mutual auto insurance company (Learn More: State Farm Car Insurance Review).
For what is Horace Mann best known?
Horace Mann is best known for providing insurance to educators.
What does Horace Mann insurance do?
What is the most trusted car insurance company?
What is the richest insurance company in the United States?
Is there a Horace Mann insurance lawsuit?
Your Opinion Matters!
Rate your insurance provider and provide share feedback with shoppers just like you.
What is the Horace Mann insurance phone number?
Yes, Horace Mann Educators Corporation is a legitimate auto insurance company.
Horace Mann is not just for teachers; its focus on educators makes it best for teachers. If you are not an educator, shop for affordable car insurance by entering your ZIP in our quote tool.
How does Horace Mann compare to other insurance companies?
Horace Mann is not as large or as well-known as other insurance companies like State Farm or Geico, but it is still a respectable option with competitive rates (Read More: Car Insurance Company Comparison).
How long has Horace Mann Insurance been in business?
Horace Mann has been in business since 1945.
Who is the CEO of Horace Mann Insurance?
The current CEO of Horace Mann Insurance is Marita Zuraitis.
What kind of insurance is Horace Mann?
Horace Mann sells auto insurance, as well as home, renters, and life insurance. You can get multiple policy car insurance discounts by purchasing more than one type of insurance from Horace Mann.
What is the AM Best rating for Horace Mann insurance?
A.M. Best gave Horace Mann an A rating.
Is Horace Mann a mutual insurance company?
No, Horace Mann is not a mutual auto insurance company.
Who is the largest mutual insurance company?
State Farm is the largest mutual auto insurance company (Learn More: State Farm Car Insurance Review).
For what is Horace Mann best known?
Horace Mann is best known for providing insurance to educators.
What does Horace Mann insurance do?
What is the most trusted car insurance company?
What is the richest insurance company in the United States?
Is there a Horace Mann insurance lawsuit?
Your Opinion Matters!
Rate your insurance provider and provide share feedback with shoppers just like you.
What is the Horace Mann insurance phone number?
Horace Mann is not as large or as well-known as other insurance companies like State Farm or Geico, but it is still a respectable option with competitive rates (Read More: Car Insurance Company Comparison).
Horace Mann has been in business since 1945.
Who is the CEO of Horace Mann Insurance?
The current CEO of Horace Mann Insurance is Marita Zuraitis.
What kind of insurance is Horace Mann?
Horace Mann sells auto insurance, as well as home, renters, and life insurance. You can get multiple policy car insurance discounts by purchasing more than one type of insurance from Horace Mann.
What is the AM Best rating for Horace Mann insurance?
A.M. Best gave Horace Mann an A rating.
Is Horace Mann a mutual insurance company?
No, Horace Mann is not a mutual auto insurance company.
Who is the largest mutual insurance company?
State Farm is the largest mutual auto insurance company (Learn More: State Farm Car Insurance Review).
For what is Horace Mann best known?
Horace Mann is best known for providing insurance to educators.
What does Horace Mann insurance do?
What is the most trusted car insurance company?
What is the richest insurance company in the United States?
Is there a Horace Mann insurance lawsuit?
Your Opinion Matters!
Rate your insurance provider and provide share feedback with shoppers just like you.
What is the Horace Mann insurance phone number?
The current CEO of Horace Mann Insurance is Marita Zuraitis.
Horace Mann sells auto insurance, as well as home, renters, and life insurance. You can get multiple policy car insurance discounts by purchasing more than one type of insurance from Horace Mann.
What is the AM Best rating for Horace Mann insurance?
A.M. Best gave Horace Mann an A rating.
Is Horace Mann a mutual insurance company?
No, Horace Mann is not a mutual auto insurance company.
Who is the largest mutual insurance company?
State Farm is the largest mutual auto insurance company (Learn More: State Farm Car Insurance Review).
For what is Horace Mann best known?
Horace Mann is best known for providing insurance to educators.
What does Horace Mann insurance do?
What is the most trusted car insurance company?
What is the richest insurance company in the United States?
Is there a Horace Mann insurance lawsuit?
Your Opinion Matters!
Rate your insurance provider and provide share feedback with shoppers just like you.
What is the Horace Mann insurance phone number?
A.M. Best gave Horace Mann an A rating.
No, Horace Mann is not a mutual auto insurance company.
Who is the largest mutual insurance company?
State Farm is the largest mutual auto insurance company (Learn More: State Farm Car Insurance Review).
For what is Horace Mann best known?
Horace Mann is best known for providing insurance to educators.
What does Horace Mann insurance do?
What is the most trusted car insurance company?
What is the richest insurance company in the United States?
Is there a Horace Mann insurance lawsuit?
Your Opinion Matters!
Rate your insurance provider and provide share feedback with shoppers just like you.
What is the Horace Mann insurance phone number?
State Farm is the largest mutual auto insurance company (Learn More: State Farm Car Insurance Review).
Horace Mann is best known for providing insurance to educators.
What does Horace Mann insurance do?
What is the most trusted car insurance company?
What is the richest insurance company in the United States?
Is there a Horace Mann insurance lawsuit?
Your Opinion Matters!
Rate your insurance provider and provide share feedback with shoppers just like you.
What is the Horace Mann insurance phone number?
What is the richest insurance company in the United States?
Is there a Horace Mann insurance lawsuit?
Your Opinion Matters!
Rate your insurance provider and provide share feedback with shoppers just like you.
What is the Horace Mann insurance phone number?
Your Opinion Matters!
Rate your insurance provider and provide share feedback with shoppers just like you.
What is the Horace Mann insurance phone number?
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