How to Get a Federal Employee Auto Insurance Discount (2024)

You could save up to 8% with Geico’s federal employee auto insurance discount. While most companies don’t offer a federal employee discount, some of the best auto insurance companies, such as Liberty Mutual, Farmers, and Travelers, may offer savings for certain groups.

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

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.

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 a discount if you work for the government. These include:

• Geico: Geico auto insurance, or the Government Employee Insurance Company, was founded to offer affordable coverage to federal employees. You’ll qualify for an 8% discount if you’re a GS-7 or above. You can also rest assured any Government Employee Insurance Company auto claims will get handled with the company, as it touts good claims handling.
• Liberty Mutual: Liberty Mutual partners with several organizations to offer employees a discount. Depending on your state, you might be eligible for a government 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.
• 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.

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 a federal employee discount with Progressive either.

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.

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.

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.
• Telematics: Most companies offer usage-based auto insurance programs to help low-mileage, safe drivers save (Read more: Usage-Based Auto Insurance). While many drivers save on their insurance, telematics programs are not a good choice if you regularly speed, drive late at night, or put a lot of miles on your car.
• 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.
• Multi-car: If your household has more than one car, you can save on your insurance by putting them on the same policy.
• 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.

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 is your cheapest option for coverage. Liability auto insurance is ideal for people with 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.

Liability vs. Full Coverage Auto Insurance Monthly Rates by Provider

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 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 (Read more: Auto Insurance for Postal Employees)

Every job has its perks🏆, but did you know saving on auto insurance could be one of them? Federal employees may have access to discounts and savings🤑. https://t.co/27f1xf131D has a how-to guide 📑for federal employees, and you can check it out here👉: https://t.co/Y5cMB2VKC5 pic.twitter.com/JHXUroHJlF

— AutoInsurance.org (@AutoInsurance) August 16, 2023

You can also find the best car insurance for federal employees from companies such as Alfa, Liberty Mutual, Farmers, and Travelers. Unfortunately, companies such as State Farm and Progressive don’t offer a federal employee insurance discount.

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.

Testing the new update feature.