Horace Mann Car Insurance Review (2022)

Horace Mann car insurance provides standard coverage for individuals who work in the education system. However, other companies may offer better customer service. Therefore, you should compare Horace Mann to other insurance companies before buying a policy.

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Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently a professional writer.

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Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business. Brad is licensed in all P&C lines.

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Reviewed by Brad Larsen
Licensed Auto Insurance Agent Brad Larsen

UPDATED: Apr 15, 2022

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Things to Know

  • Horace Mann Educators Corporation provides insurance and other financial products to educators and individuals who work in education
  • Horace Mann’s car insurance policies include liability coverage, uninsured/underinsured motorist coverage, collision coverage, and comprehensive coverage, with some add-ons available
  • While some sources claim that Horace Mann provides affordable insurance, it may not be able to make up for its lack of good customer service and frustrating claims processing

If you’re a teacher looking for car insurance, the Horace Mann Educators Corporation may be able to provide you with the coverage you need. Horace Mann car insurance will ensure you’re covered at an appropriate rate for teachers and others working in the education system.

However, you should compare Horace Mann to other car insurance providers because there may be companies that can provide better customer service. With that being said, it may be worth it to receive a quote from Horace Mann to compare rates from multiple companies.

Read more below about the coverage from Horace Mann, ratings from customers and professional rating companies, and how to contact Horace Mann.

What kinds of car insurance does Horace Mann provide?

Horace Mann provides a variety of essential car insurance types, including liability coverage, uninsured/underinsured motorist coverage, collision coverage, and comprehensive coverage. In addition, you can also add emergency roadside service and rental reimbursement to your policy.

Liability coverage includes bodily injury and property damage liability that will pay for any damages you cause to another person (whether they are injured or their property is damaged). In contrast, uninsured/underinsured motorist coverage will cover your injuries or damage to your property if another driver doesn’t have enough or any liability insurance.

Collision coverage will cover the cost of repairs or replacement up to the actual cash value of your vehicle (minus your deductible) if it is damaged, regardless of who is at fault. In addition, comprehensive coverage will provide the same coverage for non-collision events, such as fires, theft or vandalism, hitting an animal, and more.

Horace Mann’s emergency roadside service will cover the cost of towing, minor mechanical fixes, battery jump starts, tire changes, delivery of gas or oil, delivery of water, and lockout service. However, it will not cover the cost of a battery, tire, gasoline, or oil. Instead, it only covers the labor associated with the parts.

Finally, rental reimbursement will cover the cost of a rental vehicle after a covered loss while your car is being repaired or replaced.

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How much does Horace Mann car insurance cost?

Unfortunately, Horace Mann’s car insurance rates are not available online. The company also does not have an online quote tool to compare its rates on its website. Therefore, you will need to contact an insurance agent that sells Horace Mann auto insurance to get an exact rate for your situation.

With that being said, the California Department of Insurance’s sample rate database lists the Horace Mann Insurance Company (which underwrites policies for the Horace Mann Educators Corporation) as having some of the most affordable rates available.

Does Horace Mann provide car insurance discounts?

Horace Mann has the following discounts available for educators:

  • Multipolicy discount. If you have other types of insurance through Horace Mann, such as life insurance, or an annuity, you can receive a discount on your products. Individuals with three or more policies can get a more significant discount.
  • Multicar discount. If you insure multiple cars with Horace Mann, you can receive a discount.
  • Educator discount. Teachers and administrators can receive a discount.
  • Association discount. Individuals who have a membership with specific education or school administration associations can receive a discount.
  • Payroll discount. Individuals who have their premiums automatically deducted from their paycheck can get a discount.
  • New customer discount. Individuals who Horace Mann has never insured can receive a discount.
  • HMDrive discount. Individuals who use the HMDrive safe driving app can get a discount.

Other standard discounts may also be available, such as good student discounts or safe driving discounts, so ask your insurance agent which discounts you qualify for.

What is the Horace Mann Educators Corporation?

The Horace Mann Educators Corporation provides insurance and other financial products to educators and individuals who work to serve their communities in the education system. The company was founded by two teachers in 1945 and began by offering only car insurance. However, it has since expanded to provide multiple products.

While car insurance is still one of its primary products, Horace Mann also emphasizes its products and resources for helping educators reduce their student loan debt, free finance workshops, and classroom funding.

You can receive Horace Mann products individually or through your employer.

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How is Horace Mann rated?

The Horace Mann Insurance Company has an A rating from A.M. Best, which indicates that it has excellent financial strength and can meet its financial obligations such as repaying debt or paying claims.

With that being said, Horace Mann’s National Association of Insurance Commissioners (NAIC) complaint index is 3.81. Compared to the national average of 1.00, Horace Mann receives more than three times the number of complaints expected for a company of its size.

There are some mixed reviews online. Some customers have stated that the company provides standard services and products without added benefits or excellent customer communications. Many others complain about Horace Mann’s claims processing and issues receiving payouts. Some customers also have trouble rolling over retirement accounts.

How do I file a claim for Horace Mann car insurance?

To file a car insurance claim with Horace Mann, you can call (800) 999-1030. You can also report a claim by registering for an online account.

If you are in an accident, call the police and document the accident. Taking pictures and notes with your phone can help provide evidence to your insurance company. You should also exchange insurance information with other drivers.

How can I contact Horace Mann?

Below is a list of phone numbers you can use to contact Horace Mann based on your needs:

  • General customer service for home and auto insurance customers: (800) 999-1030
  • Car insurance claims: (800) 999-1030
  • Auto glass claims: (888) 321-9391
  • Emergency roadside service: (877) 272-0030
  • Payments: (800) 999-1030

You can also use Horace Mann’s online contact form for general questions or concerns. In addition, you may contact your insurance agent.

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Should I buy Horace Mann car insurance?

Horace Mann provides basic car insurance coverage for educators. However, some sources also claim that the company has affordable rates. In addition to its list of discounts, teachers and others who work in education may be able to pay less by buying car insurance from Horace Mann.

If your employer offers financial and insurance products from Horace Mann, it may be easier to have your premium deducted from your paycheck than pay it as a separate bill.

However, Horace Mann seems to struggle with its customer service, and you may be able to find a company that can communicate with you more effectively. You may also appreciate a company with simpler processes for claims or managing your policy.

Therefore, you should take the time to research multiple companies and get more than one quote to see which company has the coverage, benefits, and rates that you need.

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