Best Auto Insurance for Federal Employees in 2024 (Top 10 Companies Ranked)
The best auto insurance for federal employees comes from Geico, USAA, and State Farm because of their affordable rates and special discounts. Federal employee auto insurance discounts of up to 12% can help you save, and most companies offer additional discounts to keep your prices as low as possible.
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Kristen Gryglik
Licensed Insurance Agent
Kristen is a licensed insurance agent working in the greater Boston area. She has over 20 years of experience counseling individuals and businesses on which insurance policies best fit their needs and budgets. She knows everyone has their own unique needs and circumstances, and she is passionate about counseling others on which policy is right for them. Licensed in Massachusetts, New Hampshire,...
Licensed Insurance Agent
UPDATED: Oct 25, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Oct 25, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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17,759 reviewsGeico, USAA, and State Farm offer the best auto insurance for federal employees due to their specific government employee discounts, low rates, and coverage options.
USAA is the runner-up to Geico for active or retired military members who work for the government, while State Farm is a great alternative because it offers cheap rates and excellent coverage options. Although getting a federal employee auto insurance discount is a great way to save, it’s not the only way to find cheap car insurance for government employees.
Our Top 10 Company Picks: Best Auto Insurance for Federal Employees
| Company | Rank | Number of Discounts | Usage-Based Discount | Best For |
|---|---|---|---|---|
 | #1 | 16 | 25% | Federal Discounts |
 | #2 | 14 | 30% | Military Members |
 | #3 | 13 | 30% | Personalized Policies |
 | #4 | 13 | 30% | Tight Budgets |
 | #5 | 12 | 40% | Full Coverage |
 | #6 | 23 | 15% | Safe Drivers |
 | #7 | 17 | 30% | Coverage Options |
 | #8 | 11 | 40% | Deductible Options |
 | #9 | 15 | 20% | Unique Coverage |
 | #10 | 18 | 20% | Discount Availability |
Enter your ZIP code above to compare quotes and find companies offering the best auto insurance for federal employees.
- Several companies offer federal employee auto insurance discounts
- Federal employees should look for additional discounts and low average rates
- Get the best auto insurance for federal employees from Geico and USAA
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Average Auto Insurance Costs for Federal Employees
Before you explore more about federal employee auto insurance discounts, a good way to decide which company is best for you is to look at average rates. Consider minimum insurance rates from our top 10 companies for federal employees below.
Federal Employee Auto Insurance Monthly Rates by Provider & Coverage Level
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| Allstate | $61 | $160 |
| AAA | $33 | $88 |
| Farmers | $53 | $139 |
| Geico | $30 | $80 |
| Liberty Mutual | $68 | $174 |
| Nationwide | $44 | $115 |
| Progressive | $39 | $105 |
| State Farm | $33 | $86 |
| Travelers | $37 | $99 |
| U.S. Average | $45 | $119 |
While looking at average rates is helpful, you might see much different quotes. Insurance companies look at factors like your location, age, and driving history to craft your quotes. You should always compare quotes with as many companies as possible to find the lowest rates.
Auto Insurance Discounts For Federal Employee
If you are a federal employee, there are many companies that will give you a discount. Check our list below to see which companies offer discounts and find out how much you could save.
Federal Employee Discounts and Military Discounts Available through Major Auto Insurance Companies
| Insurance Company | Federal Employee Discount | Military Discount |
|---|---|---|
| Allstate | 5-10% | NA |
| Esurance | 25% | 7% |
| Farmers | 5-8% | 5-10% |
| Geico | 8% | 15% |
| Liberty Mutual | 5-10% | 4% |
| MetLife | NA | 15% |
| Safe Auto | NA | 25% |
| Safeco | NA | NA |
| State Farm | 5-10% | 5-10% |
| The General | NA | 10% |
| USAA | 10% | 10% |
Military, federal law enforcement, and government contractors are just a few of the careers that can earn you a discount. Let’s look at who else has access to these discounts.
Insurance companies look at a variety of risk factors when crafting rates. Statistics show that federal employees are less likely to get into accidents or file claims, which is why many offer discounts.Daniel Walker Licensed Auto Insurance Agent
Jobs that are Eligible for a Federal Employee Auto Insurance Discount
Here are some of the major types of federal jobs that may qualify you for special federal employee discounts on your auto insurance:
- Federal law enforcement jobs: There are a variety of different law enforcement jobs available for people wanting to go into federal law enforcement. The types of positions available in this sector include FBI, CIA, or Secret Service jobs, as well as any type of law enforcement on the federal level.
- Healthcare jobs: There are many healthcare positions available to people in the healthcare profession. If you work with the WHO (World Health Organization), AMA, (American Medical Association), or any other type of position, you may qualify for federal employment discounts.
- Civil service jobs: There are a variety of civil service jobs that may qualify for special federal discounts. Some examples are federal engineering jobs, mechanics, welders, or any federal government positions that deal with public service.
- Jobs for the disabled: If you are disabled, you may qualify for special jobs with the federal government that would qualify you for federal discounts on insurance and auto insurance for people with disabilities.
- Military jobs: If you are an active or retired member of the military, you may qualify for special discounts to help you get cheap auto insurance for military and veterans.
Military personnel and their families may qualify for discounts on their auto insurance with certain companies.
Some companies only offer discounts to active duty military, while others offer them to active or retired personnel, like USAA.
Geico is an example of one company that offers discounts to military members.
Many providers also offer additional discounts for military members that have been issued an emergency deployment, as well as discounts to members of certain military groups such as the Armed Forces Benefit Association and the Navy Federal Credit Union.
Read more: Auto Insurance Discount for Navy Federal Members
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Other Auto Insurance Discounts Available to Federal Employees
Insurance companies look at many different factors to determine your rates, even if you’re a federal employee.
Besides your employment, your personal driving history, credit rating, gender, age, marital status, where you live, and commute time can all impact what you’ll pay for auto insurance.
But wouldn’t it be nice to bring those rates down? Luckily for you, qualifying for discounts on your auto insurance can reduce your rates up to 45 percent.
That is a huge saving and more money in your pocket, and your federal employee discount is just one of the options. Remember, auto insurance discounts can be stacked together.
A few lesser-known discounts you should ask about includes:
- Pay-in-full discounts
- Paperless billing discounts
- Multi-policy discounts
- Multi-vehicle discounts
- Safety devices discounts, like a dashcam or anti-theft device
- Loyalty discounts
- Safe driver discounts
- Low-mileage discounts
- Defensive Driving Course discounts
Each company offers different discounts and discount rates, so it is important to shop around often to make sure you are getting the best coverage at the best price. Despite there being so many auto insurance commercials on TV, not every discount will be advertised by the company, so there might be some available behind the scenes.
This table breaks down some discounts you may be eligible for in more detail and how much you could save with each company.
Federal Employee Auto Insurance Discounts by Provider
| Insurance Company | Good Student Discount | Low Mileage Discount | Safe Driver Discount | Senior Driver Discount |
|---|---|---|---|---|
| 21st Century | 15% | 10% | 20% | 5% |
| AAA | 10% | 15% | 20% | 5% |
| Allstate | 20% | 25% | 45% | 10% |
| American Family | 15% | 20% | 25% | 5% |
| Ameriprise | 10% | 10% | 15% | 5% |
| Amica | 10% | 10% | 15% | 10% |
| Country Financial | 25% | 20% | 15% | 10% |
| Esurance | 10% | 15% | 40% | 5% |
| Farmers | 15% | 10% | 20% | 5% |
| Geico | 15% | 10% | 15% | 5% |
| Liberty Mutual | 23% | 20% | 25% | 5% |
| MetLife | 15% | 10% | 12% | 10% |
| Nationwide | 10% | 10% | 25% | 35% |
| Progressive | 10% | 10% | 31% | 5% |
| Safe Auto | 10% | 10% | 10% | 5% |
| Safeco | 15% | 20% | 20% | 5% |
| State Farm | 25% | 30% | 15% | 5% |
| The General | 8% | 10% | 10% | 5% |
| The Hanover | 5% | 10% | 10% | 5% |
| The Hartford | 3% | 10% | 10% | 5% |
| Travelers | 8% | 10% | 23% | 5% |
| USAA | 3% | 10% | 12% | 5% |
It’s important to note that not all discounts are available in every state, so never hesitate to ask an agent for more information.
Geico Federal Employee Auto Insurance Discount
What about Geico insurance for federal employees? Geico federal government employee discounts are a big part of their history, as well as auto insurance for state employees.
In fact, Geico is actually an acronym that stands for Government Employee Insurance Company.
Geico insurance for government employees is best known because the company originally catered only to government workers, although it’s open to the public now. The company also has a wide range of jobs that it considers to be federal jobs.
Geico insurance agency offers two different types of discounts. You may qualify for the Eagle discount or the Membership discount, but you can’t get both.
Also, these discounts are not available in every state. Be sure to ask your provider if you are eligible to receive either of these discount opportunities and if so, how much is Geico’s federal employee discount?
The Eagle discount is for active and retired federal government employees, GS-7 and above. According to Federal Pay, the GS-7 pay grade is generally the pay grade for entry-level personnel.
The Membership discount is offered if you belong to one of several different professional groups and associations.
You may also run into mentions of other perks to being with Geico, but not all of them apply to the insured. The Geico employee discount at Enterprise, for instance, is only for people who are employed by Geico and not their customers.
Of course, you should look at every aspect of the company before deciding if they are right for you. You’ll want to know about Geico auto claims, for instance. Customer service reviews are also important to consider.
Finally, in regions where Geico is less active, the rates might be higher than average even with your federal employee discount applied. Therefore, it is important to compare rates from multiple different companies. Reading our Geico auto insurance review will give you more information on the company’s policies.
Being a federal employee comes with many benefits. Let’s look at some ways you may qualify for these benefits.
Compare Quotes for Maximum Savings
It’s important to shop around and compare rates from multiple different auto insurance providers because you never know what type of special federal employee discount you may qualify for unless you apply.
It is also helpful to talk to the agents of various companies and ask the right questions. Find auto insurance agents in your area by researching online with insurance comparison sites.
You should tell them as much as you think is needed about your job and lifestyle to see what you qualify for, but don’t be afraid to ask about specific discounts, especially if you are a federal employee.
Even state employees and local public service jobs may qualify you for auto insurance discounts, along with the other various qualification factors we mentioned earlier.
The important thing is that you get the best coverage for your situation and that you get the best deal on auto insurance for your money.
The Bottom Line on Auto Insurance for Federal Employees
When it comes to auto insurance for federal employees, you always want to weigh the risk with the rate. Rates are going to cost you a certain amount each month. But what you get back is the assurance that you will be taken care of in the event of an accident.
Think about what it could cost you if you do not have the right insurance policy.
You are now an expert on finding affordable auto insurance for federal employees. While government employee discounts exist, you’ll save even more by looking into the dozens of other options we mentioned above.
Knowing the level of coverage you desire ahead of time will also make comparison shopping for your best rates even easier. Refer back to our guide as much as you need.
Enter your ZIP code into our free insurance quote comparison tool below to receive auto insurance quotes for federal employees from reputable providers near you so you can easily buy federal employee auto insurance online.
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Frequently Asked Questions
Are there any special auto insurance programs or discounts available for federal employees?
Yes, several insurance companies offer special auto insurance programs and discounts specifically tailored for federal employees. These programs may include discounted rates, special coverage options, or benefits exclusive to federal employees.
How can I find auto insurance programs specifically for federal employees?
To find auto insurance programs for federal employees, you can start by researching insurance companies that have partnerships or affiliations with federal employee organizations or unions. Additionally, you can contact insurance companies directly and inquire about any special programs they offer for federal employees.
What types of coverage should I consider when purchasing auto insurance?
When purchasing auto insurance, it’s essential to consider several types of coverage, including:
- Liability coverage: This covers damages or injuries caused by you to others.
- Collision coverage: This covers the repair or replacement of your vehicle if it’s damaged in a collision.
- Comprehensive coverage: This covers damages to your vehicle caused by non-collision incidents, such as theft, vandalism, or natural disasters.
- Uninsured/underinsured motorist coverage: This covers you if you’re involved in an accident with a driver who doesn’t have insurance or has insufficient coverage.
Can I add additional coverage options to my auto insurance policy?
Yes, most insurance companies offer additional coverage options that you can add to your policy for extra protection. These may include roadside assistance, rental car reimbursement, gap coverage, or personal injury protection (PIP).
Can I transfer my auto insurance policy if I change federal agencies or retire?
Yes, most insurance companies allow you to transfer your auto insurance policy if you change federal agencies or retire. However, it’s essential to notify your insurance provider about any changes in your employment status to ensure your coverage remains valid.
Which insurance company is best for federal employees?
The best auto insurance companies for federal employees are Geico, USAA, and State Farm due to their low rates, discount availability, and coverage options.
Do federal employees qualify for USAA?
Unfortunately, not all federal employees qualify for USAA car insurance. Only active and retired military members and their family members are eligible for USAA membership.
What Is the Geico government employee discount?
If you’re an active or retired federal employee who reached the GS-7 level or higher, you might qualify for the Geico government discount. Called the Eagle discount, Geico offers savings of up to 12%.
Is the Government Employee Insurance Company the same as Geico?
Yes, Geico stands for Government Employee Insurance Company. The company was founded in 1936 to offer the best car insurance for federal employees possible.
Which companies offer federal employee discounts?
Finding the cheapest auto insurance for federal employees is easy when you shop at a company that offers a discount. Some of your options include Geico, Travelers, Farmers, AAA, and Liberty Mutual. However, a federal employee discount might not be available in your area.
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Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Kristen Gryglik
Licensed Insurance Agent
Kristen is a licensed insurance agent working in the greater Boston area. She has over 20 years of experience counseling individuals and businesses on which insurance policies best fit their needs and budgets. She knows everyone has their own unique needs and circumstances, and she is passionate about counseling others on which policy is right for them. Licensed in Massachusetts, New Hampshire,...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.