Auto Insurance for Federal Employees (2024)

Get an auto insurance discount for American Federation of Government Employees (AFGE) members! If you’re a federal employee, your job can help you save money on auto insurance. You can secure auto insurance for federal employees that is much cheaper than the average cost by seeking out discounts on your insurance premium.

Does auto insurance for federal employees differ in any way from the norm? Are there companies that specifically offer government employee auto insurance?

Learn how your rates are calculated, what discounts you can qualify for as a federal employee, and what the top companies are for you.

Most auto insurance companies will ask you about your employment when you sign up for a quote. Fortunately, there are a number of different ways to qualify for cheap auto insurance for federal employees.

Ready to compare federal employee auto insurance rates? Just enter your ZIP code into our free quote comparison tool above to receive auto insurance rates for federal employees today and see how much you could be saving.

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Federal Employee Auto Insurance Discounts

If you are a federal employee, there are many companies that will give you a discount. Federal employee auto insurance discounts vary by company and occupation, so make sure to shop around for the very best rates.

Military, federal law enforcement, and government contractors are just a few of the careers that can earn you a discount.

Generally, government employees are not considered risky drivers, which is why auto insurance companies are more likely to offer a discount.

They can also earn multi-policy discounts by combining their auto insurance with other policies, such as a life insurance policy or homeowners policy,  maybe even a boat insurance policy.

Let’s look at who has access to these discounts and which companies offer them.

Best Auto Insurance Companies for Federal Employees

Which insurance companies sell to federal employees? All of them. You can buy your insurance wherever you like. Of course, not all of them have special federal employee discounts. So how do you know which auto insurance company that caters to federal employees is for you?

There are many types of insurance companies that offer discounts to different types of federal employees. But there is no one company that focuses on this specifically. You just have to shop around, see what’s available to get the best coverage, and find out about the discounts.

AAA Insurance and Geico are two examples of insurance providers that offer a discount to federal workers.

The AAA auto insurance federal employee discount is only available by calling an agent directly, and not with online quotes. Reportedly, AAA only offers the discount one time “on the spot” so you have to take the deduction at that point. You can find out more about AAA by reading our AAA auto insurance review.

What about some of the big names in auto insurance? Currently, there is no State Farm federal employee discount, nor is there a Progressive federal employee discount listed anywhere among the company’s discounts.

Here’s a look at several companies with federal employee discounts and discounted rates for members of the military. If the amount of the discount is available, it is listed.

An “X” shows which companies offer a discount if the rate isn’t listed. It is important to note that not all discounts are available in every state.

Federal Employee Discounts and Military Discounts Available through Major Auto Insurance Companies

You can see that each company offers discounts to military members, but only four companies offer discounts to federal employees. Farmers, Geico, Liberty Mutual, and MetLife offer discounts to both. Learn more about MetLife by reading our MetLife auto insurance review.

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.

How to Qualify for Auto Insurance for Federal Employees

Every provider will define the limits of occupations that qualify for federal or government employee discounts.

Often, being a healthcare worker, local government official, federal or state worker, or even a teacher may qualify for a federal employee discount. Cheap auto insurance for teachers can be found with companies that prioritize discounts for educators. You can sometimes also get a discount if you are a government contractor.

If you decide to go with Geico, you should ask the representative if your career or job will qualify you for this discount.

There are many other insurance companies that offer various types of discounts. You just have to do a little homework and ask the right questions.

If you are filling out a form online, you may be asked what type of work you do. Be sure to answer this question honestly, and you may be given a chance to get a discount on your insurance near the end of the application process.

Being a federal employee can be difficult, but it comes with some perks too. For example, you might be wondering if government employees get discounts on flights? Or how much do federal employees pay for health insurance?

You will find there are a lot of perks to your job you may not have known about. Besides cheaper flights or health insurance rates, another big one is discounts on hotels.

You can search directly for lodging discounts for federal employees with FedRooms, or see if your hotel of choice offers a government rate when booking.

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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

Other Types of Auto Insurance Discounts for 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:

• Paying the rate in full
• Paperless billing
• Multi-policy
• Multi-car
• Safety devices like a dashcam
• Loyalty
• Claim-free discounts
• Low-mileage discounts

Remember, 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 commericals 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. If the amount of the discount is available, it is listed. An “X” shows which companies offer a discount if the rate isn’t listed.

Federal Employee Auto Insurance Discounts Available to Students, Seniors, and Safe Drivers by Company

Read more: Ameriprise Auto Insurance Discounts for Members

It’s important to note that not all discounts are available in every state, so never hesitate to ask an agent for more information.

As you can see from the table above, there are many good student discounts available for insurance policyholders. The general view on this is that you maintain a “B” average or better. But check with various insurance companies when you inquire.

If you only drive your vehicle for a limited number of miles each year, you may qualify for a low mileage discount. This applies for both military and civilian drivers.

Safe driving discounts are often offered to drivers with a good driving record. This will vary according to your state, but your state insurance department can help with information on this.

Some companies offer discounts to senior citizens, but some companies may look into your driving record before allowing you to qualify. Read more about how auto insurance companies check driving records so you can be prepared.

In the table below, check out a few more auto insurance discounts that exist out there. Take note of what you believe you are eligible for so you can ask about them while you comparison shop.

Federal Employee Auto Insurance Discount Options Offered by Major Insurance Companies

As a federal employee, stacking these additional discounts with your government employee discount can help you save a tremendous amount of money. An agent will be able to tell you what discounts you qualify for.

As always, shopping around and comparing quotes from multiple different companies can help you find your best savings since different companies offer different discounts.

Comparing Auto Insurance Discounts and Auto Insurance Companies for Federal Employees

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.

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Types of Auto Insurance Coverage for Federal Employees

Auto insurance laws vary by state. Therefore, the legal minimum limits you’re required to carry, as well as your federal employee auto insurance rates, will change based on where you live.

However, in most states, the following types of coverage are required:

• Bodily injury liability (per person): There are certain amounts in each state designated as the minimum that you must carry for bodily injury liability. You may also want to research any legal questions you have about the liabilities involved in car accidents.
• Bodily injury liability (per accident): You should know the state requirements for bodily injury liability coverage that includes all of the people in the accident. Knowing the total coverage is just as important as the coverage per person.
• Property damage liability: This type of coverage covers damages to property sustained in an accident for which you are responsible. If you feel this is not sufficient, you may want to add personal injury protection.
• Remember, liability insurance will cover damages to the other driver for an accident that you are found at fault for. If you want your provider to cover your vehicle in other ways, you’ll need to invest in fuller coverage auto insurance. This is a good choice for many federal employees.

Remember, liability auto insurance will cover damages to the other driver for an accident you are found at fault for. If you want your provider to cover your vehicle in other ways, you’ll need to invest in fuller coverage auto insurance. This is a good choice for many federal employees.

Auto insurance coverage can be confusing. There are many different options to choose from. Insurance is not a one-size-fits-all industry, but that means you can customize it to fit your specific needs.

We’ll help you better understand what the different policy types are and what they cover throughout the rest of this article.

Optional coverage types include:

• Personal injury protection
• Medical coverage
• Uninsured/Underinsured
• Collision
• Comprehensive

First, let’s look at how personal injury protection (PIP) coverage is different from medical coverage (MedPay). In the table below, we provide you with some easy-to-understand definitions.

Personal Injury Protection and Medical Payment Auto Insurance Definitions

PIP offers you help to pay medical bills for you and your passengers listed on the policy. It also will help with other losses after an accident, like lost wages from not being able to work.

On the other hand, MedPay will only cover medical bills. Usually, you do not need to carry both. Most drivers pick one or the other, so pick the one that makes the most sense for you.

You may also consider adding uninsured or underinsured coverage. According to the Insurance Information Institute, 13 percent of drivers in America are uninsured, and these are the only policies that will protect you if you get hit by an uninsured driver.

See the definitions for these two policy types in the table below.

Uninsured and Underinsured Auto Insurance Definitions

Uninsured and underinsured coverages are just like the names imply. Uninsured coverage steps in if the other driver is at-fault and does not carry auto insurance.

Underinsured coverage comes into play if the other driver does not have adequate insurance to cover all damages or medical bills.

Lastly, let’s look at collision and comprehensive coverages. These are the two most popular additional coverage options. Check out the definitions in the table below.

Collision Coverage and Comprehensive Coverage Auto Insurance Definitions

Collision coverage is just like it sounds. It will cover damages to your vehicle while it is in motion, even if you are in an at-fault accident. If you hit a tree or telephone pole, for example, your collision insurance will cover you. There is a deductible associated with this type of policy.

Comprehensive insurance will cover damages to your vehicle while it is not in motion. Examples are weather-related damage, fire or flood damage, windshield damage, theft, and vandalism. There is also a deductible associated with this type of policy.

Collision and comprehensive coverages are generally a good idea so that you don’t have to pay out of pocket for damages to your vehicle.

The above types of coverage are usually optional. But some states want you to carry PIP or uninsured motorist coverage as well, in case the person who hits you is not insured. Know the rules in your state before proceeding.

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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