Cheap Auto Insurance for Bus Drivers in 2025 (9 Most Affordable Companies)

Erie, State Farm, and Travelers are the top providers of cheap auto insurance for bus drivers, especially if they are safe drivers and sign up for a usage-based insurance (UBI) program.

At $32 per month, Erie offers the cheapest auto insurance for bus drivers thanks to its long list of car insurance discounts and personalized service.

Our Top 9 Company Picks: Cheap Auto Insurance for Bus Drivers

Explore our picks for the best cheap auto insurance for bus drivers below, and enter your ZIP code above to compare personalized quotes from multiple companies.

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#1 – Erie Insurance: Top Overall Pick

Pros

• Personalized Service: Erie focuses more on its customer experience, ensuring that bus drivers get as much attention as they want.
• Competitive Rates: Erie is one of the cheapest insurance options for bus drivers, often beating larger competitors like Progressive and State Farm. Our Erie insurance review explores the company’s affordable coverage and discounts.
• YourTurn: YourTurn is Erie’s UBI program that tracks behaviors like hard braking and phone use. Unlike other programs that offer a discount on bus drivers’ insurance, YourTurn rewards safe drivers with their choice of a gift card or charitable donation.

Cons

• Limited Availability: Erie offers excellent insurance plans for bus drivers, but only in 12 states.
• No online Quotes: Bus drivers looking for a new Erie policy will need to contact a local agent for a quote, as there is no online quote option.

#2 – State Farm: Best for Cheap Rates

Pros

• Drive Safe and Save: Bus drivers can maximize their driving skills by signing up for Drive Safe and Save, which can earn them a discount of up to 30%.
• Affordable Rates: State Farm is often the cheapest option for car insurance regardless of where bus drivers live. See how State Farm’s rates compare to other companies in our State Farm auto insurance review.
• Young Driver Savings: State Farm offers bus drivers under 25 plenty of ways to lower their rates, including the Steer Clear program and student discounts.

Cons

• Add-On Availability: Despite being one of the largest insurance companies in America, State Farm lacks a few add-on options for bus drivers. The most notable among the options that are lacking is gap insurance.
• Some Drivers Pay More: Although State Farm is usually affordable, bus drivers with bad credit scores often find lower rates with other providers.

#3– Travelers: Best for Unique Coverage

Pros

• IntelliDrive: Bus drivers can Save up to 30% on insurance by enrolling in Travelers’ IntelliDrive program and downloading the app.
• Unique Coverage Options: Bus drivers will find plenty of coverage options at Travelers, including rideshare and gap insurance.
• Excellent Discount Availability: Travelers offers bus driver policyholders 15 discounts to lower their rates, including savings for bundling policies and driving a hybrid vehicle.

Cons

• Mixed Customer Satisfaction: While bus driver policyholders love the service, many report dissatisfaction with the claims process. Read our full review of Travelers insurance for more information.
• Average Insurance Rates: Travelers’ rates for bus drivers usually match the national average. While it’s not the most expensive option, it can be difficult to find competitive Travelers’ quotes.

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#4 – Progressive: Best for Budgeting Shopping

Pros

• Name Your Price Tool: Progressive helps bus drivers save with the Name Your Price tool. This tool allows you to name your monthly budget, and Progressive creates a list of coverage options that fit it.
• Safe Driving Discounts: As professionals, bus drivers tend to have a good driving record. Progressive offers plenty of discounts for safe drivers to take advantage of. See more discounts in our review of Progressive insurance.
• User-Friendly Mobile App: Progressive is known for its modern take on managing policies. The Progressive mobile app lets bus drivers view policy documents, manage their coverage, start a claim, and download their ID cards.

Cons

• Mixed Customer Service Ratings: Progressive may have the cheapest auto insurance for bus drivers, but that doesn’t matter to some customers. The company struggles with low customer loyalty ratings.
• Rates Can be High for Some Drivers: Young bus drivers and people with at-fault accidents in their records might be able to find cheaper rates elsewhere.

#5 – American Family: Best Discount Availability

Pros

• Discount Options: With 18 discounts, most American Family bus drivers find a way to save. Popular AmFam discounts include savings for
• KnowYourDrive: American Family offers a respectable savings of 30% for bus drivers who consistently practice safe driving. Learn more about KnowYourDrive in our American Family auto insurance review.
• Underwrites Costco Auto Insurance Policies: Bus drivers who are Costco members might find lower car insurance rates from the warehouse, which American Family sells through CONNECT. Learn more about your eligibility for coverage in our Costco car insurance review.

Cons

• Limited Availability: American Family sells car insurance for bus drivers in just 19 states, but it operates CONNECT in 44.
• Higher Rates: While it’s rarely the cheapest option for insurance, bus drivers with bad credit scores will see particularly high rates.

#6 – Nationwide: Best for Deductible Savings

Pros

• Vanishing Deductible Program: If a bus driver enrolls in Nationwide’s Vanishing Deductible program, the deductible will decrease by $100 for every year spent claims-free, up to $500.
• Ample Discount Opportunities: Bus drivers can save on insurance by taking advantage of Nationwide’s 11 discounts, including savings for bundling policies and staying accident-free.
• Low Rates for Bad Credit: Bus drivers with bad credit scores typically pay more for their insurance, but you’ll pay much less at Nationwide than at other companies.

Cons

• Limited Local Agents: Nationwide is a great option if a bus driver prefers buying insurance online but has a harder time finding a local agent if they prefer face-to-face help.
• Higher Quotes for Some Drivers: Nationwide has low rates for the average bus driver, but many others see higher quotes. That’s particularly true for drivers with a DUI. Find out how much you might pay for coverage in our Nationwide auto insurance review.

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#7 – Farmers Insurance: Best for Safety Discounts

Pros

• Safety Discounts for Bus Drivers: Farmers offers exclusive safety discounts for bus drivers, rewarding those with clean driving records and safe driving habits, helping lower auto insurance premiums significantly.
• Signal App: With Farmers’ UBI app Signal, bus drivers can save up to 15% on policy for good driving behaviors. Check out our online Farmers review for more information.
• Affinity Discount: Bus drivers who work for the city might be eligible for Farmers’ affinity discount for government workers.

Cons

• No New Policies in Florida: If you’re a bus driver who lives in Florida, you won’t be able to purchase a new Farmers policy for your car.
• Higher-Than-Average Rates: Although Farmers’ rates usually aren’t the most expensive, they also aren’t cheap car insurance for bus drivers. Farmers rates tend to stay a bit above the national average.

#8 – Allstate: Best UBI Discounts

Pros

• Drivewise: Drivewise has one of the best UBI discounts on the market. Bus drivers who regularly practice safe driving habits can save up to 40% with Drivewise.
• Ample Coverage Options: Allstate offers some of the best options for full coverage policies, with enough coverage to protect every inch of bus drivers’ cars. Read more about this provider in our  Allstate auto insurance review.
• Claims Satisfaction Guarantee: Allstate guarantees all its claims, promising a credit on future premiums if bus drivers are unsatisfied with the service they receive.

Cons

• Mixed Customer Reviews: While it usually gets positive reviews from bus drivers, Allstate struggles with reports about its customer service experiences.
• High Rates: Allstate is typically one of the most expensive insurance options, no matter where a bus driver lives.

#9 – Liberty Mutual: Best Add-on Options

Pros

• Diverse Coverage Options: Liberty Mutual offers coverage for bus drivers that can be hard to find elsewhere, including original parts replacement and better car replacement insurance.
• Ample Discounts: Liberty Mutual offers 17 discounts for drivers to take advantage of, including government employee savings that city bus drivers might qualify for.
• RightTrack: Enroll in the UBI program RightTrack for an automatic 10% savings. After a 90-day observation period, bus drivers could save up to 30% on their insurance.

Cons

• Rates are Sometimes High: Young bus drivers might find excellent deals from Liberty Mutual, but this provider rarely offers the best deals on car insurance. To see monthly premiums and honest rankings, read our Liberty Mutual review.
• Claims Satisfaction Rating is Below Average: Most bus driver customers agree that Liberty Mutual’s customer service reps are friendly and knowledgeable, but the company struggles with its claims satisfaction.

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Auto Insurance Rates for Bus Drivers

Although bus drivers are professional operators, many are surprised to learn that their occupation doesn’t guarantee low car insurance rates. However, that doesn’t mean finding affordable coverage is hard. Check below to see how much the average bus driver pays for minimum insurance.

Bus Drivers Minimum Coverage Monthly Rates From Top Providers

As you can see, auto insurance for bus drivers typically matches the national average.

Other factors like your location, age, and driving record play a much bigger role in your car insurance quotes. Reasons auto insurance costs more for young drivers include limited driving experience, higher accident rates, and the increased risk young drivers pose to insurers.

The Best Auto Insurance for Bus Drivers

It makes no financial sense to purchase auto insurance policies you probably don’t need. In addition to that, nobody really enjoys writing checks to car insurance providers every month.

Below, we have detailed the essential types of coverage and tips for getting the right amount of protection at a cheaper price.

Liability Coverage

In most cases, this type of coverage is required to legally drive in U.S. states. If you get into an accident and it is determined that your actions on the road led to the unfortunate incident, liability auto insurance coverage will cover the costs of resultant bodily injuries as well as damage to the vehicle or any other third-party property.

Of course, the level of coverage will depend on the set limits. If the financial loss from an at-fault accident exceeds your coverage limit, you will have to pay for the upper limit of the settlement from your own pocket.

If you can afford it, it is important to purchase liability coverage above the state-mandated level, which will add an extra layer of protection. That way, you won’t have to dig deep into your pockets if you get involved in an at-fault accident.

Personal Injury Protection

Some states include personal injury protection (PIP) coverage in their auto insurance laws as a requirement for all drivers. If you get in an accident and you or other occupants in your car sustain bodily injuries, PIP will cover all medical expenses, even if the accident was your fault.

Depending on your insurer and your coverage, PIP may even pay for the funeral expenses in case of any deaths resulting from the accident. To learn more about which providers have the best coverage, explore what companies offer cheap PIP auto insurance here.

Uninsured/Underinsured Motorist Protection

Despite all the state laws demanding all motorists get minimum liability coverage, there are still a large number of uninsured drivers on the road. The uninsured/underinsured coverage protects you from financial losses if you get hit by an uninsured or underinsured driver.

Worse still, you could be a victim of a hit-and-run. The uninsured/underinsured is a policy you can ill afford to skimp on, given that it’s one of the cheapest policies in the insurance business.

Read More: Best Uninsured and Underinsured Motorist (UM/UIM) Coverage

Comprehensive Coverage

If it fits into your budget, comprehensive auto insurance is an important policy to have on your vehicle. This type of coverage will pay for the damages to your vehicle caused by natural disasters, vandalism, and theft.

Whether or not you purchase this coverage depends on the value of your car. It’s probably not worth it if you drive a relatively old, inexpensive car. If you decide to buy this coverage, installing anti-theft tracking devices in your vehicle can slightly reduce the coverage costs.

Collision Coverage

Collision insurance pays for the cost of repairing or replacing the vehicle in the event of a covered accident. Your auto insurer will pay for the market value of the vehicle if it’s totaled if the cost of fixing the damage exceeds 70 percent of the vehicle’s value.

There are other types of auto insurance coverage suitable for bus drivers, but these are the most critical ones. You can purchase a combination of all of them to get what is commonly referred to as full coverage, or you can select either of them as you see fit. This also applies to school bus insurance options, ensuring comprehensive protection tailored to your specific needs.

Bus Drivers Insurance: Discounts & Savings Tips

Although millennials tend to pay average rates compared to younger drivers, there are always ways to save more. Consider the following tips to help keep your insurance rates as low as possible:

• Don’t pay for coverage you don’t need. Research on your own and decide what you need and what you don’t.
• Avoid getting flagged for traffic offenses. This will ruin your driving records and raise your rates. You are a bus driver; you should know all the rules. Follow them.
• Start your search for car insurance early. The earlier you start comparing, the higher the chances of getting a better quote. If it’s possible, pay upfront. You may be subjected to interest if you spread your payments throughout the year.
• If you have an older, more experienced driver in your household, add them to the policy and significantly drop your rates.
• Apply for organizational, low-mileage, professional discounts, and any other types of discounts you qualify for.

To further cut down costs, explore the available discounts from the best auto insurance companies. Here’s a quick comparison:

Auto Insurance Discounts From the Top Providers

You can effectively reduce your auto insurance expenses by stacking these discounts and tailoring your coverage to your actual needs.

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Best & Affordable Options for Bus Drivers’ Auto Insurance

Finding the cheapest auto insurance for bus drivers means balancing affordability with reliable coverage. How to choose an auto insurance company depends on comparing coverage options, customer reviews, and discounts.

Erie stands out for its budget-friendly rates and strong customer service. State Farm offers customizable policies and extensive agent support, while Travelers provides flexible options and solid savings. These top companies cater to bus drivers’ unique needs, helping lower costs without sacrificing protection.

Finding cheap auto insurance rates can be difficult for high-risk drivers, but you don’t have to do it alone. Enter your ZIP code to find the most affordable quotes in your area.

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