As a teacher, you’ve probably got enough on your plate without having to deal with auto insurance, which is why Horace Mann offers significant discounts to teachers, administrators, and educators. In this review, we’ll take an in-depth look at Horace Mann insurance reviews and let you in on everything you need to know to find out if it’s the right policy for you.
If you haven’t already, check out our review on the best auto insurance providers, where we rank the top auto insurance companies based on coverage, customer service, financial strength, cost, availability, and technology. It’s always good to look into a few different providers before settling on one, so you can be sure you’re getting the best rate.
You can get started by using the easy tool above or calling (844) 246-8209 to find providers available in your area.
In this article:
- Horace Mann Insurance Overview
- Horace Mann Auto Insurance Coverage Options
- Requesting A Quote And Filing A Claim With Horace Mann
- Horace Mann Insurance Reviews
- Our Verdict on Horace Mann Auto Insurance
- Alternative Providers To Consider
- FAQ: Horace Mann Insurance Reviews
Horace Mann Insurance Overview
Horace Mann is a publicly traded insurance company named after the famous educator. The company was founded in 1945 by two teachers. Today, Horace Mann offers affordable insurance for educators across the country.
If you’re a teacher, you can expect major discounts from Horace Mann. Not only does Horace Mann auto insurance offer discounts to educators, but given that the company was founded by teachers and focuses exclusively on educators, you can be sure that if you’re an educator yourself, you’ll be understood and cared for by this provider.
Educators receive several additional coverages at no extra cost, such as reduced deductibles for comprehensive coverage claims that occur on school property, pet injury insurance, and liability coverage if you transport students in an insured vehicle.
Horace Mann currently has an “A” financial strength rating from AM Best. While this is very good, other top providers, like Geico auto insurance and State Farm car insurance, have received A++ ratings. That means compared to its competition, Horace Mann car insurance is not as financially strong.
Also, while Horace Mann offers several common types of auto insurance, it does not offer medical payments (MedPay) or personal injury protection (PIP).
Horace Mann Auto Insurance Coverage Options
Unlike many of its competitors, Horace Mann auto insurance does not offer the full suite of standard car insurance coverage options. Instead, Horace Mann offers:
- Liability insurance
- Collision insurance
- Comprehensive insurance
- Uninsured/underinsured motorist insurance
Like we mentioned, MedPay and PIP are left off the list. That said, Horace Mann car insurance does offer other non-standard coverages. These include:
- Rental reimbursement coverage
- Emergency road service
Overall, Horace Mann’s coverage options are fairly standard, if not a bit lacking. While there are omissions, they won’t be a problem for everyone.
Requesting A Quote And Filing A Claim With Horace Mann
Like most car insurance providers, Horace Mann car insurance offers quotes both online and via telephone. Simply navigate to its website to request a quote or call its customer service line. To compare a quote from Horace Mann with other insurance providers, call (844) 246-8209 or use this tool:
Filing A Claim With Horace Mann Insurance
Horace Mann customers can call a representative at 800-999-1030 or visit the online claims center. You may also need to notify your agent that you need to submit a claim and will need to have your policy number ready. Horace Mann's website also has some tips and steps to take after an accident.
Horace Mann Insurance Reviews
Horace Mann’s customer service is a big selling point for the provider, and Horace Mann car insurance clearly advertises its ratings on its website.
Currently, Horace Mann has a 4.1 out of 5 rating from Clearsurance and has a page dedicated to its glowing customer reviews.
The Better Business Bureau (BBB) awarded Horace Mann auto insurance an A+ rating. However, its customer rating is only 1 out of 5 stars. That said, almost every insurance company we’ve reviewed has had only one to two stars, so this is par for the course and is not indicative of how Horace Mann compares to other companies.
Here are some Horace Mann insurance reviews:
Positive Horace Mann Insurance Reviews:
“Horace Mann is wonderful. They help teachers with insurance in a diligent manner helping us make decisions with something that could be quite expensive and misunderstood. They make it simple and easy to comprehend.”
- 238Pryor, Clearsurance on HoraceMann.com
“I can’t remember exactly how long we’ve been with Horace Mann, we had renters insurance with them first, we now have homeowners insurance, I would say it must be around 15 years … Horace Mann is an exceptional insurance company. Customers are really a priority for them. Everyone we have dealt with from the agent to claims’ adjusters have always had our best interests as their No. 1 priority. I highly recommend them!”
- Norwichbird, Clearsurance on HoraceMann.com
Negative Horace Mann Insurance Reviews:
“I got insurance through Horace Mann many years ago and my agent was amazing. Now? I am warning people away. They are horrible, you pay and pay and then have to fight to get any payout even if you clearly deserve it. Do not go with this company, please. I have a lawyer to pursue the issue but there are very few people who have this resource.”
- Tamar S., BBB
"You better hope you don't get hit by anyone that has Horace Mann ins.. They don't answer their phones or don't call you back when you leave a message. Their estimate was $2000.00 dollars less then our Insurance estimate and there is zero negotiation with them. If I could I would give them zero stars. They made a bad situation even worse."
- Tony O., BBB
Our Verdict On Horace Mann Auto Insurance
We rated Horace Mann 4.0 out of 5.0 stars because of its significant discounts and educator-specific coverage the provider offers. Unfortunately, Horace Mann’s coverage options are somewhat limited, but there’s a tradeoff to be made between reduced standard coverage and coverage that’s designed just for teachers.
Overall, customers appear to be satisfied with their coverage, and motorists should feel safe purchasing an insurance policy from Horace Mann auto insurance.
educators across the country.
Financial strength rating of A from AM Best
No medical payments (MedPay) or personal injury protection (PIP)
Discounts for educators
Alternative Providers To Consider
No matter what you’re shopping for, it’s always a good idea to compare any product or service to its competitors’ offerings. Shopping for car insurance is no different. We’ve done hours of research on the best auto insurance providers so that you don’t have to.
Here are some other providers we highly recommend.
Geico car insurance has more going for it than funny commercials. It’s got a strong financial foundation, good coverage options, and in some states, it offers the cheapest average premiums. One standout feature of Geico is its highly rated app, which makes managing your policy, getting quotes, and filing claims quite painless.
Let’s take a look at what you can expect from Geico.
Reputation And Trustworthiness
Geico is one of the largest insurance companies in the U.S. and, as such, has built up a strong reputation. AM Best awarded it an A++ financial strength rating, indicating it has the resources to fulfill claims it receives from its customers.
Geico offers standard coverage options including MedPay and PIP. Additionally, Geico offers:
- Roadside assistance coverage
- Mechanical breakdown insurance (similar to an extended service contract or extended warranty)
- Rental reimbursement
- Classic car insurance
Motorists with policies from Geico are generally satisfied with their coverage. According to the NAIC, the company received fewer than the median number of complaints. Furthermore, J.D. Power gave Geico a 3/5 rating on its Auto Claims Satisfaction Survey.
In our Geico review, we find it to be a superb provider that offers reasonable rates and good coverage for motorists of all types. After our research, we rated Geico as the second-best provider in the U.S. The only provider that fared better than Geico is USAA auto insurance, but its coverage is only available to veterans, military members, veterans, and their families. This makes Geico the best option for the general U.S. population.
State Farm auto insurance is currently the largest auto insurance provider in the U.S., and we gave it a high rating due to its (usually) cheap premiums and numerous discounts.
Reputation And Trustworthiness
With close to a century of business experience behind it, State Farm has been a mainstay of the American insurance landscape. With an A++ rating from AM Best and billions of dollars in premiums written each year, State Farm has proven itself to have a strong financial backing.
State Farm offers most standard coverage options but does not offer personal injury protection. Additional coverage options include:
- Car rental and travel expenses coverage
- Emergency road service coverage
- Rideshare driver coverage
We were particularly impressed with State Farm’s car rental and travel expenses coverage. While most providers offer some type of rental reimbursement coverage, State Farm will also cover the cost of meals and lodging if you’re stranded more than 50 miles from home.
State Farm scores similarly to Geico on many consumer sites like BBB. In J.D. Power’s Auto Claims and Satisfaction Survey, State Farm received a 3/5, the same score as Geico.
State Farm is a reputable provider that offers affordable auto insurance policies. However, in our State Farm insurance review, we found the coverage options limited compared to Geico’s, albeit cheaper in some states. Overall, State Farm is a solid choice for motorists.
Get A Quote
Whenever you shop for car insurance, we recommend getting quotes from multiple providers so you can compare coverage and rates. In addition to the insurance company you choose, factors such as your age, vehicle make and model, and driving history can affect your premium, so what’s best for your neighbor might not be best for you.
In an effort to provide accurate and unbiased information to consumers, our expert review team collects data from dozens of auto insurance providers to formulate rankings of the best insurers. Companies receive a score in each of the following categories, as well as an overall weighted score out of 5.0 stars.
- Industry Standing: Insurers with strong financial ratings and customer-first business practices receive the highest scores in this category.
- Availability: We consider availability by state as well as exclusions for specific groups of drivers.
- Coverage: This rating is based on types of insurance available, maximum coverage limits, and add-on policies.
- Cost and Discounts: Our research team reviews sample quotes for a variety of drivers in every state. Companies with lower prices and many car insurance discount opportunities receive the best scores.
- Customer Service: We comb through customer reviews and consumer feedback studies from experts like J.D. Power.
- Technology: Auto insurers with mobile apps, advanced online services and telematics are more likely to meet consumer needs.
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