Best Federal Employee Auto Insurance Discounts in 2024 (Get up to 10% Off With These 7 Companies)

Finding the best federal employee auto insurance discounts can help drivers who work for the government up to 25% on their coverage. Finding this particular way of saving isn’t as easy as shopping at the best auto insurance companies for federal employees, however — most companies don’t offer federal government discounts.

However, there are plenty of alternative ways for federal employees to find affordable auto insurance. From raising your deductible to qualifying for auto insurance discounts, federal employees have plenty of options to keep their insurance rates low.

Federal employees can also enroll in a UBI or pay-per-mile insurance program to save even more, so long as they’re relatively safe drivers.

Our Top 7 Company Picks: Best Federal Employee Auto Insurance Discounts

Read on to learn which companies have a federal employee auto insurance discount and how to maximize your savings in other ways. Then, insert your ZIP code into our free quote comparison tool above to find the best car insurance for federal employees.

How to Qualify for a Federal Employee Auto Insurance Discount

Although most companies don’t offer government employee car insurance discounts, it’s really easy to qualify for one at companies that do. If you’re currently working at a government agency, you likely already qualify.

Companies like Geico and AAA offer federal government discounts to more than just active employees, however. You may qualify for a federal government discount if any of the following apply to you:

• Current Employees at Local, State, and Federal Agencies
• Retired Employees
• Military Members
• Spouses and Children of a Government Employee

Of course, you’ll need to check with an insurance representative to know if you qualify. Each company will have its own qualifications and rules regarding federal employee discounts.

Unlike many other discounts, a federal discount won’t automatically apply to your policy. Instead, you’ll need to submit proof of your employment to gain your discount. Most providers will accept a copy of your latest pay stub, but a representative will have more information.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Best Auto Insurance Companies for Federal Employees

While most insurance companies offer a variety of discounts, finding one for federal employees — or any other profession — can be difficult. Few companies offer a discount for government employees, regardless of if they’re at the federal, state, or local level.

However, there are a few companies that might offer government employee car insurance discounts. These include:

• Geico: According to our Geico auto insurance review, the company was founded to offer affordable coverage to federal employees. The Geico discount for federal employees is available if you’re at the GS-7 level or higher. The federal employee Geico discount comes with other perks, like access to Geico’s excellent claims ratings.
• Liberty Mutual: Liberty Mutual partners with several organizations to offer a discount on car insurance for government employees. Depending on your state, you might be eligible for the Liberty Mutual federal employee discount. Visit our Liberty Mutual auto insurance review for more information.
• Farmers: Farmers offers its affinity discount for members of specific organizations. In many states, this includes government employees. Check the Farmers auto insurance review or speak with a representative to learn more about auto insurance for government employees.
• Travelers: Travelers also offers an affinity program for certain organizations. Availability varies by state, so make sure to check what you’re eligible for. You can learn more by visiting our Travelers auto insurance review.
• AAA: In some regions, AAA offers a car insurance discount for federal employees. However, AAA manages plans in regional clubs, so you’ll need to check if federal employee discounts are available in your area. Learn more in our AAA auto insurance review.

Even though the companies listed above list that they offer federal employee perks, you should always check availability with a representative. Government employee discounts often vary by state, meaning you might not be eligible depending on where you live. Unfortunately, there isn’t a State Farm federal employee discount, and you can’t get federal government discounts with Progressive either.

The good news is that some companies ask for your employment status when you fill out a quote request form, making it easy to qualify for federal vehicle discounts. For example, your government employment status is one of the questions in Geico’s form.

This makes it easy to get the Geico federal employee discount, though you may need to submit additional proof.

While the list of companies offering a federal employee discount isn’t very long, there are plenty of other options to look for. From remaining claims-free to being a homeowner, federal employees can find other discounts to help keep their insurance rates low.

Government Employee Auto Insurance Cost

There are several factors government workers need to keep in mind when they apply for insurance. Auto insurance companies look at things like your age, location, and driving history to determine how much to charge you.

You should also know how much insurance you need before you decide which company to shop from. The two primary types of auto insurance policies are full coverage and minimum liability insurance. The minimum auto insurance requirements vary by state, but it is your cheapest option for coverage. Liability auto insurance is the best car insurance for government employees who have older, less valuable cars.

If your car is new or you have a loan or lease, you’ll probably need full coverage. Even the cheapest full coverage auto insurance policy costs more than minimum insurance, but it provides much better protection for your vehicle.

The average government employee pays about average or a little less for their auto insurance because companies do not consider them risky drivers. Check below to see what the average price of insurance is in your state.

Federal Employee Auto Insurance Monthly Rates by Provider & Coverage Level

Although federal employees often see auto insurance rates that match the national average, it’s important to compare personalized quotes from multiple companies. Since companies use a variety of factors to craft your rates, you might see much different prices.

Other Federal Employee Vehicle Auto Insurance Discounts

Unfortunately, finding savings on auto insurance isn’t as easy as getting government employee cell phone discounts (such as a Verizon federal employee discount or AT&T federal employee discount) or federal employee gym discounts. That doesn’t mean you won’t be able to lower your rates, though.

Are you a federal employee❓? If so, we have the guide for you to help you save money 💵on car insurance. https://t.co/27f1xf131D did the research and shares it here👉: https://t.co/FI4147DZh0 pic.twitter.com/iy7I8oTlDx

— AutoInsurance.org (@AutoInsurance) April 18, 2024

When you’re trying to find affordable auto insurance, the following auto insurance discounts are great ways to save:

• New Car: Drivers with a car three years old or newer might earn a discount as long as their total mileage stays under a certain limit.
• Defensive Driver: Taking a defensive driving course approved by your company can earn you a defensive driver auto insurance discount. There are usually age requirements to qualify, so make sure to check with your company.
• Good Driver: You’ll likely earn a good driver auto insurance discount if you remain claims-free for a certain period of time. Every company has its own rules, but most require about three years before you can qualify.
• Homeowner: Several companies offer a discount if you own a home and have insurance on it, even if you don’t have coverage through the same company.
• Bundling: Most insurance companies offer several types of coverage beyond auto insurance. You’ll probably earn a discount on every policy you buy from the same company. Learn more about how to save money by bundling insurance policies.

These discounts represent a small selection of what might be available. When shopping for insurance, it’s important to look at how many discounts a company offers to help maximize your savings. Most companies apply discounts to your policy when you sign up, but you can always ask a representative to double-check you’re getting everything you qualify for, including government employee car discounts.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Usage-Based Auto Insurance Discounts for Federal Employees

While you won’t find them on any federal government employee discounts list, usage-based insurance (UBI) programs are a great way for safe drivers to save. Finding cheap usage-based auto insurance can help you save up to 40%.

Most companies offer a UBI program, but it takes a little research to know which is best for you. Take a look below to see the maximum UBI savings from some of the biggest insurance companies.

Another thing to keep in mind is that some UBI programs can increase rates. Most companies guarantee that your rates won’t increase for bad driving habits. However, programs like Progressive’s Snapshot will raise your premiums if you regularly engage in dangerous habits.

Other Ways to Save on Federal Employee Auto Insurance

Although federal employee benefits often include a discount at many companies, you’ll have less luck with auto insurance. To keep your rates as low as possible, try these alternative ways to save:

• Lower Your Coverage: You should periodically check that you’re not paying for coverage you no longer need. Lowering your coverage can significantly reduce your monthly rates.
• Keep Your Driving Record Clean: A single traffic incident on your driving record can drastically increase your rates. Avoiding violations like speeding tickets, at-fault accidents, and DUIs will help keep your rates low.
• Keep Your Car Safe: Most companies offer a discount for installing safety systems in your vehicle, like audible alarms, anti-lock brakes, and daytime running lights. If you install a new system, inform a representative for lower rates. Read more about how to get an anti-theft auto insurance discount.
• Raise Your Deductible: An auto insurance deductible defined is the portion you must pay before your policy kicks in. Choosing a higher deductible means you’ll see lower rates, but you’ll have to pay more if you need to file a claim.

The most important step to take to find affordable auto insurance rates is to compare quotes from multiple companies. If you go with the first option you see, you’ll likely overpay for your insurance.

Find the Best Auto Insurance for Federal Employees Today

Whether you work in Washington D.C., your local city hall, or the post office, finding a federal or government employee discount for auto insurance can be difficult. Only a few insurance companies offer a discount specifically for government employees. For example, you could qualify for a Geico government employee discount if you work for the U.S. Postal Service.

One of the most important steps to take when looking for cheap auto insurance for federal employees is comparing quotes. Read more about how to evaluate auto insurance quotes from multiple companies. Then, enter your ZIP code into our free quote comparison tool below to find the best insurance for federal employees.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption