Some drivers are surprised to learn that many car insurance companies offer discounts for federal employees. In fact, auto insurance premiums for federal employees is often far cheaper than premiums for other drivers.
As part of our efforts to help every driver find a great auto insurance policy, we have created this comprehensive guide to auto insurance for federal employees.
If you are already familiar with government employee car insurance discounts but just need to find some great rates, try out our free rate comparison tool below.
Our experts have reviewed the nation’s top insurance providers, including Allstate, Progressive, State Farm and GEICO. We have thoroughly researched these insurers so that you can find the perfect policy for your driving needs.
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Are There Auto Insurance Discounts Available for Federal Employees?
Yes, there are some great auto insurance discounts available specifically for federal employees. In fact, some programs were originally founded to provide coverage for government workers. Providers offer these car insurance discounts to draw in the high number of drivers that serve as federal employees.
Many car insurance companies are willing to offer these discounts because government employees are not considered to be high-risk drivers. This means that the chances that a government employee will cause an at-fault accident are low. Fewer claims filed mean that car insurance companies can profit more from your policy.
Keep in mind that not every government employee is eligible for these discounts, though. Each car insurance company has a unique list of federal jobs that will qualify for special coverage.
Some common careers that are eligible for auto insurance for federal employees include federal law enforcement, healthcare workers, and military personnel.
Which Insurance Providers Offer Federal Employee Discounts?
There aren’t any providers that solely offer auto insurance for federal employees. Instead, many of the mainstream insurance companies offer federal employee discounts. Military members are almost always eligible for these discounts. The other government careers that qualify for special rates vary by provider and state.
GEICO is one of the most well-known companies that offers federal employee discounts. In fact, the name GEICO itself actually stands for Government Employees Insurance Company.
While no company exclusively insures federal employees, USAA only works with active or retired members of the United States Armed Forces and their immediate family members. This focus and specificity allows the company to offer great rates and exemplary customer service.
USAA even offers usage-based plans, which are great for military members that are on active duty.
Which Jobs Qualify for Federal Employee Auto Insurance Discounts?
There are no nationwide regulations that outline auto insurance for federal employees. As a result, each private insurance company is free to create its own policies on discounts for federal employees.
Generally, certain roles qualify for government employee discounts with most insurance providers. These include:
- Federal law enforcement
- Healthcare workers
- Military members
- Civil service employees working for government agencies
While these broad career categories often qualify for federal employee discounts, each insurer may define these roles differently. For example, a government healthcare worker may only include medical professionals with a bachelor’s degree or higher.
In addition, car insurance companies may extend these discounts to state and local government employees, such as municipal police or firefighters.
What Other Auto Insurance Discounts are Available for Government Employees?
While working for a government agency can certainly open the door to great discounts, it is not the only way to save money on insurance premiums. There are many other factors that impact your auto insurance rates, including age, gender, marital status and location.
While you may not have control over all of these factors, various insurers weigh each factor slightly differently. For instance, one provider may place a heavier emphasis on where you live and the crime rates in your area. That is why we recommend obtaining multiple quotes from the best providers.
Despite the fact that some of the above-mentioned factors are totally out of your control, you can offset these added costs by taking advantage of opportunities to lower your insurance premiums. For instance, you can pay your 6-month insurance premium upfront. Many car insurance companies offer discounts for paying in advance.
You can also save money by bundling your coverage. For instance, if you combine homeowner’s or renter’s insurance with your auto policy, you will likely receive a discount.
Many car insurance companies also offer other cost-saving options, including:
- Safe driver discounts
- Low-mileage discounts
- Multi-driver discounts
- Multi-policy discounts
- Reduced rates for completing defensive driving courses
As you can see, there are many discount opportunities out there to further supplement costs of already cheap auto insurance for federal employees. Make sure to do your research and shop around.
It is also important that you strive to maintain a clean driving record, as doing so can save you hundreds of dollars on auto insurance coverage every year.
Our Recommendations for Auto Insurance
If you are looking for auto insurance for federal employees, then you have come to the right place. Now that you know the ins and outs of federal employee discounts, it is time to compare quotes. While there are many ways to go about this hunt for the perfect provider, using our comparison tool is a free and simple option. Just enter your zip code and give it a try.
When using our rate comparison tool, you will receive multiple car insurance quotes in minutes. These quotes will come from trusted auto insurance providers like USAA and GEICO. Find out what our experts had to say about these top-quality providers below.
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USAA: Best Military Provider
USAA earned the title of “Best Military Provider.” This well-known company provides coverage exclusive to retired and active members of the Armed Forces and their immediate relatives.
USAA is known for exceptional customer service and usage-based coverage options. Whether you need full coverage or basic liability insurance, USAA may be a great choice.
Unfortunately, USAA coverage is not available to non-military federal employees.
GEICO: Best Overall
Many consumers do not realize that GEICO actually is an acronym that stands for “Government Employees Insurance Company.” This is because the company got its start by offering insurance to federal government employees. True to its roots, GEICO still offers great discounts to government employees.
GEICO is an excellent option for other drivers, too. Our experts rated it as our best overall provider and awarded it a cumulative score of 9.1 out of 10. GEICO also offers rideshare insurance, mechanical breakdown coverage, and several other unique discounts that are not available from all providers.
FAQ: Auto Insurance for Federal Employees
Is GEICO cheaper for government employees?
GEICO is not necessarily cheaper for government employees. However, GEICO is still a great all-around insurance provider. It offers government employee discounts and flexible plan options. The best way to find out if it is the cheapest option for you is to compare quotes from GEICO and other insurance companies.
Which insurance companies offer discounts to federal employees?
Several major insurance providers offer discounts to federal employees. You can learn about these discounts by speaking to insurance agents or visiting each company’s web page. Large providers like GEICO and Progressive are especially known for offering such discounts.
Why is it important to compare quotes from different providers?
Comparing multiple car insurance quotes is one of the best ways to find an affordable policy. While nearly every insurance company assesses the same risk factors, each provider weighs them slightly differently.
For example, if you have a traffic infraction on your driving history, some providers may not penalize you as severely as others in terms of your rates.
Do federal employees qualify for USAA?
Unfortunately, not all federal employees qualify for USAA auto insurance coverage. Currently, USAA is only available to retired or active members of the United States Armed Forces and their immediate family members.
The Detroit Bureau collects data from every major car insurance provider to formulate rankings of the best insurers. Our in-depth rating system takes into account market share, coverage, auto insurance rate estimates generated by Quadrant Information Services, customer satisfaction and ratings from industry experts. Each insurer is given a weighted score in four categories, as well as an overall score out of 10.0.
We recommend auto insurance companies based on these rankings, but we also encourage you to perform your own research and compare quotes to find the best coverage.