Best Auto Insurance Discounts for American Federation of Government Employees (AFGE) in 2024 (Save up to 25% With These Companies)

The top pick for the best auto insurance discounts for American Federation of Government Employees are Geico, Liberty Mutual, and Farmers, known for its competitive rates, strong customer service, and exceptional discounts, with savings up to 25% for AFGE members.

These providers provide coverage at a reasonable price and are also designed with government employees and contractors specifically in mind.

Our Top 10 Company Picks: Best Auto Insurance Discounts for American Federation of Government Employees (AFGE)

Company	Rank	Savings Potential	A.M. Best	Who Qualifies?
	#1	25%	A++	AFGE members and their families
	#2	22%	A	AFGE employees and their households
	#3	20%	A	Government employees in AFGE
	#4	18%	A+	AFGE members and federal workers
	#5	17%	B	AFGE-affiliated government employees
	#6	15%	A+	AFGE members and their families
	#7	14%	A+	AFGE members and other federal employees
	#8	12%	A++	Federal employees and AFGE members
	#9	10%	A+	AFGE members and government employees
	#10	9%	A	AFGE members and their households

Using these discounts means members have sufficient coverage to meet their needs and can save on car insurance in the process.

See which companies have the cheapest minimum auto insurance rates by entering your ZIP code into our free comparison tool above.

Auto Insurance Discounts for AFGE Members

If you qualify for federal employee auto insurance discount, you could save hundreds a year on auto insurance. Government employees, military members, or service providers involved in contracting with the U.S. government can join AFGE if they have an existing regular union at their worksite.

Given the AFGE discount, which insurance companies provide low monthly rates for minimum coverage? The table above shows the top 10 companies, along with their monthly rates, giving a good start at what works and is affordable in terms of average pricing.

Top AFGE Savings: Monthly Min. Coverage Insurance Rates After Discount

Insurance Company	Rank	Monthly Rates
	#1	$65
	#2	$69
	#3	$70
	#4	$73
	#5	$75
	#6	$78
	#7	$80
	#8	$82
	#9	$84
	#10	$86

Federal employee discounts for auto insurance can deliver significant savings. As a government employee, military member, or contractor with access to an AFGE union, you may be eligible for discounts worth hundreds of dollars annually.

The best insurance carriers that offer low-cost monthly rates for minimum coverage once these substantial AFGE discounts are applied, along with examples to help save money and find affordable options.

Member Discounts

Through this benefit, American Federation of Government Employees (AFGE) members get special discounts from numerous insurance carriers — usually 20% to 25% lower than standard premiums. And it is open to any active AFGE members–whether a government employee, military personnel or contractor at your local’s base–and if fully utilized could mean annual savings of hundreds of dollars.

AFGE members save 20% to 25% on auto insurance from providers like Geico and Liberty Mutual, with potential annual savings of hundreds by proving membership.

Farmers GroupSelect, MetLife Auto & Home, Geico and Liberty Mutual (major insurance companies) provide discounts exclusive to AFGE members. In most cases, members simply need to show they are a member at the time of application (online or over phone) in order to get access to these discounts.

Additionally, many insurers offer extra perks such as enhanced coverage options and personalized service, and members may continue to receive discounts upon policy renewal, with some companies providing best customer loyalty auto insurance discounts for long-term members.

Safe Driver Discounts

A safe driver discount is a common way insurers encourage and reward policyholders who do not cause accidents or commit traffic violations. The discounts can save AFGE members a bundle on their car insurance bills, which means this is something every America Federation of Government Employees (AFGE) member should have.

This section outlines rates for good drivers, one at-fault accident, single DUI and minor ticket running beside a “good” driving experience. This information is crucial for understanding the DUI definition and implications in determining insurance costs.

Monthly Auto Insurance Rates of AFGE by Driving Record

Insurance Company	Clean Record	One Accident	One DUI	One Ticket
	$160	$225	$270	$188
	$117	$176	$194	$136
	$139	$198	$193	$173
	$80	$132	$216	$106
	$174	$234	$313	$212
	$115	$161	$237	$137
	$105	$186	$140	$140
	$86	$102	$112	$96
	$113	$165	$167	$136
	$99	$139	$206	$134

The information reveals variety in pricing when comparing top insurers including Allstate, American Family, Farmers, Geico and more here which can provide an insider tip for the AFGE members to score competitive rates on their driving history.

Safe driver discounts are reductions in insurance premiums awarded to drivers who demonstrate responsible driving behavior. This typically includes having no accidents, traffic violations, or claims over a specified period.

• Clean Driving Record: A clean driving record must be maintained for a set number of years (often three to five years) without any at-fault accidents or major violations (such as DUI or reckless driving).
• No Recent Claims: Insureds who go without filing a claim in recent years may qualify for this discount.
• Defensive Driving Course Completion: Some insurers either require it or may incentivize you to take an approved defensive driving course in order for the discount to apply.

The safe driver discounts are a great for AFGE members to save on their insurance premium, while still promoting better driving habits. By keeping a clean insurance file and being diligent to seek out these discounts, members can decrease their total insurance rates significantly.

Bundling Discounts

Bundling discounts for auto and homeowners insurance from a single provider allow AFGE members to save hundreds of dollars. This approach can often yield savings in the form of discounted premiums (often ranging anywhere from 5% to 25%) on the aggregate spend and will help consolidate policy administration with one insurance company.

This strategy demonstrates how to save money by bundling insurance policies effectively. Members benefit from enhanced coverage options and loyalty incentives for long-term customers who bundle. Members must be AFGE members and meet the insurer’s issue age requirements to participate.

Hence, it is recommended that you compare quotes of various companies to get better offers and save a significant amount on the financial side as well, these would be beneficial for AFGE members so they can reassure their insurance package.

Military Discounts for AFGE Members

Military discounts provide financial relief for active-duty service members, veterans, and their families when purchasing auto insurance. These discounts, typically ranging from 5% to 30%, are offered by many major insurers, such as Geico and USAA, and may require proof of military status. Check out our ranking of the top providers: “Best Auto Insurance for Military Families and Veterans.”

Military discounts can often be combined with other savings too like auto and home bundling, as well receive additional benefits for deployment loyalty and flexible payment options. In order to take advantage of the discount, AFGE members should contact insurance carriers directly for quotes adn study policy terms before purchasing to make sure they are getting both a good price and coverage.

Good Student Discounts for Auto Insurance

Young drivers, usually between ages 16 and about 25 are typically be able to get an auto insurance student rate for those years they maintain at least a B average on the honor roll. This discount encourages safe driving habits among students and can provide savings ranging from 10% to 25% off their auto insurance premiums.

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— AutoInsurance.org (@AutoInsurance) October 21, 2024

Students should contact insurers and submit documentation, such as a report card, to prove they are attending school. The good student discount on your car insurance is offered by major insurers like Geico, State Farm, Progressive, Allstate and Farmers Insurance — which may save you money while rewarding responsibility for keeping studies a priority.

Requirements for AFGE Auto Insurance Discounts

People who want to become members of the American Federation of Government Employees (AFGE) can visit the union’s site. Enrollment is available to government workers and contractual employees, with a fee required.

The AFGE advocates for workers in various sectors, including the Department of Veterans Affairs, the Department of Justice, and the Department of Defense. By becoming a member, individuals can access benefits such as cheap auto insurance for government employees.

Auto Insurance Companies That Offer AFGE Member Discounts

Farmers GroupSelect Farmers car insurance offers product flexibility so your policy can meet the needs and budget. Its new members, such as those from the American Federation of Government Employees who are eligible for its transportation discounts, saved an average of 22%. Farmers coverage features:

• Automated Payment Discounts: Policyholders who register their insurance payment to be entered automatically each month are eligible for discounts on premiums.
• Rewards for Claim-Free Driving: A common method applied when considering discounts to drivers who sustain a clean record of driving without making any claims within a particular period mentioned.
• Roadside Assistance Coverage: Insurance coverage that helps with emergency tasks, like flat tires or dead batteries or towing.
• Multi-Policy Savings: Savings for buying more than one type of policy, such as both the homeowners and auto insurance from the same company.
• 24/7 Claim Reporting: A claims reporting service that allows an policyholder to report a claim at any time — generally on the phone. Note its a day, night or anywhere in between person human confident concept icon.

The union also offers auto and home policies through MetLife Auto & Home Insurance Policies to members of AFGE. A single toll-free number is available for all of your insurance needs, and that includes recreational vehicle coverage, mobile homes, watercraft as well as automobile/vessel bonding & personal excess liability or umbrella policy. Find out more by visiting our MetLife auto insurance review.

Every policy includes upgraded product coverage options as well. All 50 states are eligible for auto insurance discounts from MetLife, as long as you like in Guam, the US Virgin Islands and Puerto Rico. Unfortunately, home insurance is unavailable in Florida and Massachusetts.

Final Thoughts on AFGE Auto Insurance Discounts

Members of AFGE can get up to 25% off auto insurance with Geico, Liberty Mutual and Farmers. Drivers receive up to 30% in safe driver discounts, as well as value with bundled policies, student and military savings opportunities. It also provide additional benefits such as discounts on legal services, lower rates for home insurance.

Discounts on auto insurance for federal employees can be into different business, and you do not have to the AFGE member. They can also receive deals on things like homeowners insurance, prescription card programs, and mortgage discount programs through the AFGE.

Find out more about your auto insurance deals by entering your ZIP code into our free comparison tool below today.