Horace Mann Auto Insurance: Coverage & Rating

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. To be sure you’re getting the best rate, it’s always good to look into a few different providers before settling on one.

You can get started by using the easy tool below to find providers available in your area.

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. That’s the tradeoff between reduced standard coverage and coverage 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.

Horace Mann Insurance Rating

Horace Mann currently has an “A” financial strength rating from AM Best. While this is very good, other top providers, like Geico and State Farm, have received A++ ratings. That means, compared to its competition, Horace Mann is not as financially strong.

About Horace Mann Insurance Company

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.

Also, while Horace Mann offers several common types of auto insurance, it does not offer medical payments (MedPay) or personal injury protection (PIP).

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:

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.

Horace Mann Auto Insurance Claims

Horace Mann customers can call a representative for live help 24/7 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.

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, use this tool:

Other than auto insurance, Horace Mann offers homeowners and life insurance coverage options. Below we will break down the coverage of each.

Horace Mann Homeowners Insurance

Horace Mann offers a wide variety of homeowners insurance coverage options for your needs. Their home insurance coverage offerings are as follows:

• Residence coverage
• Related private structures coverage
• Liability coverage
• Other structures coverage
• Personal property protection
• Reimbursed living expenses

Other nonstandard coverage can be added on and includes water backup coverage, identity theft protection, and valuable items coverage.

Horace Mann Life Insurance

Horace Mann also has different options for life insurance coverage. Below are the coverage options available with Horace Mann:

• Term Life Insurance
• Whole Life Insurance
• Cash Value Term Life

There are also many riders available to add on to your life insurance coverage including: charitable giving rider, children’s term rider, and accidental death coverage.

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.

The BBB awarded Horace Mann auto insurance an A rating. However, its customer rating is only 1.0 out of 5.0 stars. That said, almost every insurance company we’ve reviewed has had only one to two stars, so this is on par with the rest of the industry and is not indicative of how Horace Mann compares to other companies.

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

Through our review, we rated Horace Mann Insurance company 4.0 out of 5.0 stars because of good customer reviews, the many discount opportunities they have, and educator-specific coverage. While Horace Mann’s insurance options are limited, the upside for teachers and other educators may outweigh this. Customers generally give the company positive reviews. Before choosing an insurance provider, we always recommend that you search around and compare rates before making a decision.

Horace Mann Insurance Company Competitors: Top Companies

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 

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 quick and convenient.

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.

State Farm 

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.

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.

To start comparing personalized car insurance quotes, use this tool:

Below are some frequently asked questions about Horace Mann auto insurance:

Our review team extensively researches auto insurance providers to deliver informed and unbiased assessments of leading companies. We evaluate several key rating factors that are important to consumers to determine which providers are the best in the industry: