Auto Insurance for State Employees (2024)

With prices rising everywhere, finding ways to save is more important than ever. Luckily for state employees, there are plenty of auto insurance discounts available to help save money.

You can save money on auto insurance for state employees by buying only what you need and taking advantage of insurance discounts. One discount that you might find particularly useful on your auto insurance is a state employee discount.

Getting the right car insurance is integral for state employees, especially since failing to follow state law can actually cost them their jobs. Below, you can learn more about car insurance for state employees. Once you know what insurance would suit you best, compare rates with as many companies as possible to find the best quotes.

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How Companies Determine Auto Insurance Rates for State Employees

While your choice of career is often a factor in the price of your insurance, it’s not the only thing that companies look at. The cost of auto insurance for state employees will vary depending on where you live and work. The table below shows how insurance rates vary across states.

Cheapest Auto Insurance Providers by State

Although state employees can find a discount from several companies, insurance rates are hard to predict because how much you pay for car insurance depends on many factors. Every company looks at different factors, but the following are some of the most common:

• Age: Young drivers are more likely to get into accidents, and older drivers face age-related issues like decreased reaction time.
• Claims history: If you’ve filed multiple claims, you’ll have higher insurance rates. 
• Credit score: Credit scores affect your rates. However, California, Hawaii, Massachusetts, and Michigan insurance companies can’t use credit scores as a factor, and there are still insurance companies that don’t check credit scores in other states.
• Driving history: Traffic tickets, accidents, DUIs, and other similar charges will raise rates. Auto insurance companies check your driving record to determine rates.
• Gender: Men tend to pay higher rates than females, as statistics show men get into more accidents. However, insurers can’t consider gender in California, Hawaii, Massachusetts, Michigan, Montana, North Carolina, and Pennsylvania.
• Marital status and homeownership: Being married and owning a home are signs of responsibility, so it’s assumed that married homeowners carry less risk. Homeowners can bundle multiple auto and homeowners policies, leading to major savings. 
• Level of education: Like marital status and homeownership, the assumption is that people with higher education levels are also more responsible. However, education level only minimally impacts rates.
• Vehicle model and make: When setting rates, insurance companies consider safety ratings, crash statistics, and the vehicle’s overall expense.
• ZIP code: Where you live impacts your rates based on weather, crime rates, living costs, and similar factors. The exception is California and Michigan, where using ZIP codes to calculate rates is prohibited.

The complicated mix of factors is why looking at average rates will only take you so far. It also emphasizes the importance of comparing prices, as one company might give you better prices than another.

However, looking at the average price of insurance isn’t without merit. Knowing which companies tend to offer the lowest rates gives you a great place to start in your search. You can look at the average monthly rates for some of the biggest companies below.

How State Employees Earn Discounts on Auto Insurance

The term “state employee” refers to any of the 19 million people employed by a state organization. That includes state, county, charter, and urban-county government officials. Some state employees are elected to office, while various departments employ others. 

Being a state employee usually comes with some great perks. It depends on the state and job, but state employees usually qualify for more affordable health insurance, reliable retirement plans, and discounts for a variety of services, including insurance.

Insurance companies keep careful track of who makes claims, which is how they know the statistical likelihood of different groups.

Insurance companies want to insure drivers who don’t make claims. So to lure them in, they offer a discount. Looking at what discounts a company offers is an integral part of shopping for insurance quotes for that reason — you want to find the company that gives you the most discounts on car insurance for state employees.

Other Ways to Save on Auto Insurance for State Employees

Besides relying on a state employee discount, there are many ways to save money on your car insurance. From other discounts to telematics, you can find options to explore below.

• Take advantage of other discounts. Most companies offer many auto insurance discounts, with the most popular options being safe driver, anti-theft device, paid-in-full, and good student discounts.
• Compare quotes. You have a lot of choices when it comes to car insurance, so you don’t need to settle for the first quote you get. Instead, aim to get quotes from national and local companies.
• Use telematics. Many companies now offer usage-based car insurance to track your driving habits. Discounts vary, but you might see savings between 10% and 40%.
• Bundle your policies. You can save money by bundling multiple insurance policies from the same company. The most common bundling combinations are home and auto.
• Choose your coverage carefully. Adding everything to your policy might feel tempting with all the types of auto insurance coverage on the market. However, choosing your insurance coverage frugally can keep your costs down.

There are a lot of factors to consider when it comes to choosing the right auto insurance. You can find the perfect insurance policy with a few easy steps.

How to Choose the Right Auto Insurance for State Employees

You can find the perfect insurance by following a few simple steps. Most you can do by yourself by looking at customer reviews and using online comparison tools. 

Determine How Much Insurance You Need

While full coverage protects your car from most damage, not everyone needs it. Consider the following types of insurance to help you determine what you need:

• Liability coverage: Liability covers damage you cause to other people and their property. Most states require a minimum amount of liability coverage before you can legally drive.
• Comprehensive auto insurance: For damage not caused by a collision, there’s comprehensive. This insurance covers damage from weather, vandalism, animal contact, and theft.
• Collision insurance: From multi-car accidents to driving into a tree, collision insurance will help repair your car after an accident, no matter who caused it.
• Uninsured/underinsured motorist: Required in 14 states, uninsured motorist insurance protects you from drivers without enough coverage. Underinsured motorist coverage covers any gaps when you’re hit by someone who does not carry large enough insurance.
• Personal injury protection (PIP): PIP coverage will help pay for your medical expenses after an accident, including hospital bills, physical therapy, and lost wages.

These five insurance products are primary coverage options, but there are several add-ons you can buy as well. 

Everyone needs at least the minimum auto insurance coverage to meet legal requirements in their state (except in New Hampshire). People who don’t own their car outright or have a valuable vehicle should have full coverage.

Compare Auto Insurance Quotes

You can use free comparison tools to see what quotes will look like for your unique circumstances. Remember, the cheapest insurance isn’t necessarily the best — cheap auto insurance rates should be used as a starting point only.

After you have an idea of insurance companies that might interest you, you can look at their financial health. Rating companies like A.M. Best, J.D. Power, and the Better Business Bureau keep careful track of reviews, complaints, and financial strength of insurance providers.

Ideally, you should look for a company with a strong financial presence and satisfied customers.

Ask About Discounts

After you narrow down your choices, the last step you should take before signing the paperwork is to ask about auto insurance discounts.

You’ll need to speak with an agent at this point, but they will comb through your details and find you every discount you’re eligible for. Your insurance agent will be able to tell you the price of your policy before you agree to it.

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Find the Best Auto Insurance for State Employees

State employees perform valuable services in their communities, and discounted car insurance prices are among the many perks they enjoy for their work. From Geico to Progressive and most other major companies, you can find an insurance policy that celebrates your position as a state employee.

You can buy car insurance for state employees from a variety of companies, but you should compare quotes to find the best price possible before you sign up.

Free Auto Insurance Comparison

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

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