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Affordable Car Insurance with Great Benefits

The average American spends an hour per day in the car. Whether you’re driving to work, running errands or venturing off on a road trip, it’s important to know you’re protected. With a strong insurance provider, you won’t have to worry when you’re behind the wheel.

For over 75 years, we’ve been helping our Members save money, providing educators outstanding service and high-quality insurance, all at an affordable price. We know the value you bring; that’s why we’ve tailored our plans to benefit the teachers and educators in our communities, offering exclusive benefits to give you cheap car insurance that doesn’t compromise on quality.

Better Benefits for Our Educators:

  • Special Discounts
  • Accident Forgiveness
  • Exceptional Claim Services
  • Guaranteed Collision Repair
  • Pay in Full Discount
  • Multiple Product Discount
  • Demonstrated Financial Strength†
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Explore the Discount & Benefits Available

Newly Certified Teacher Discount

Congratulations on becoming a teacher! Enjoy an extra discount for the first seven years following your teaching certification.

Pay in Full Discount

Get a break for paying your bill in full.

Multiple Product Discount

Insure your car and home with Meemic and you’ll save even more.

Vehicle Anti-Theft Device Discount

Let us know if your vehicle has an anti-theft device so we can offer you a lower rate.

Advance Purchase Discount

Available for policies purchased a select number of days before the policy's effective date.*

Paperless Discount

Go paperless! Receive your Michigan auto policy documents electronically and save.

The Educated Choice® Repair Program

When you choose a shop from The Educated Choice® Repair Program, you can be assured of first-rate guaranteed auto repairs.

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Get Exclusive Savings on Car Insurance Premiums

With Meemic auto insurance coverage, you’ll earn:

  • Big savings on auto insurance – and multiple auto insurance discount opportunities.
  • Exclusive educational community coverage, such as no deductible for covered comprehensive losses occurring on school property and liability coverage for transporting students to and from school events.
  • Exceptional industry-leading claims service and quality repairs using original equipment manufacturer (OEM) parts when optional Enhanced Repair Exterior Coverage is selected.**

5 Ways to Lower Your Car Insurance Costs

Looking for best ways on how to lower your car insurance payments? We want to help you save as much as possible on your policy. Here are some ideas to get you behind the wheel with affordable car insurance in Michigan:

Drive Safely

As a general rule, safe drivers pay less for car insurance. The longer you drive without an accident or major citation, the lower your car insurance premium is likely to be. Also, the less you drive, the less likely you are to end up in an accident – so consider public transportation, riding your bike or even carpooling with another educator or school staff member.

Research Before You Buy a New Car

Did you know that not all cars cost the same to insure? If you are planning to purchase a new vehicle, be sure to do your research before you buy to avoid any surprises when you see your new rate. Certain makes and models with proven track records for safety can be less expensive, while others can cause an increase in insurance costs. To get started, check out the Insurance Institute for Highway Safety’s top safety picks.

Purchase Multiple Policies

We call it bundling – but you can just call it saving. When you combine more than one insurance policy with Meemic, your overall costs will go down. We provide all sorts of affordable insurance for educators like you, so consider us for home insurance, car insurance, boat insurance and more.

Ask About Available Discounts for Teachers and Educators

The more we know about you, the more ways we can find to help you save. We’ll help you identify insurance discounts based on your car, your life and even your state of residence. Ask us about discounts for safe driving, multiple vehicles, paying your policy in full and more, including some exclusive to educators.

Choose a Higher Deductible

If you’re a good driver, a higher deductible might make sense. Your deductible is the amount you agree to pay out-of-pocket before your policy benefits apply. You can set your deductible to an amount you’re comfortable with when choosing a policy. The higher your deductible, the lower your car insurance premiums will be.

*Discount applies to select coverages only.

**Certain qualifications and restrictions apply.

†Rated “A” (Excellent) from AM Best. AM Best rating effective May 2026. For the latest Best’s Credit Rating, access AMBest.com.

Discounts and savings opportunities subject to eligibility requirements. Coverage is subject to all policy terms, conditions, exclusions and limitations. Subject to underwriting eligibility requirements. Insurance underwritten by Meemic Insurance Company, 1685 N. Opdyke Rd., Auburn Hills, MI 48326.