3+ years producing insurance and personal finance content
Main architect of the Insurify Quality Score
Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.
Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
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At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
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Cheapest recent rates
Recent car insurance prices for Hyundai, Acura, Chevrolet, and more. Insurify features quotes from 100+ carriers including Anchor, National General, and CSAA.
*Quotes generated for Insurify users within the last 10 days. Last updated on October 30, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 30, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users within the last 10 days. Last updated on October 30, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 30, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Federal employees work for the national government, and many car insurance companies recognize them for their service to the country. If you work in the public sector, auto insurers may offer discounts because of your occupation. In fact, GEICO’s first customer base was government employees, and it still advertises special discounts for federal employees.[1]
Here’s what you need to know about getting car insurance as a federal employee and the discounts you may qualify for.
Insurance companies may offer government employees discounts through membership organizations.
Other ways to save on car insurance include driving safely, bundling policies, and comparing quotes.
Cost of car insurance for federal employees
Federal government employees pay the same average rates for car insurance as other professions, but they may get special discounts or coverage options because of their occupation.
For example, GEICO offers a discount of up to 12% on car insurance for active and retired federal employees and a discount of up to 25% for military members. These discounts, and any other discounts you may qualify for, can help reduce your car insurance costs when shopping for coverage.
The table below shows some of the cheapest car insurance companies for federal employees. These average quotes don’t include potential discounts, so keep that in mind when comparing rates.
Insurance Company
▲▼
Average Monthly Quote
▲▼
USAA
$94
State Farm
$106
GEICO
$109
Allstate
$130
Progressive
$141
American Family
$164
Nationwide
$177
Liberty Mutual
$180
Travelers
$187
Farmers
$228
The General
$242
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Who is a federal employee?
A federal employee is anyone who works for or in one of the three branches of U.S. government, according to the Office of Personnel Management.[2]
Some examples of federal employees include law enforcement officers, postal workers, military personnel, administrators, and other positions. However, about 60% of civilian federal employees work for the departments of Defense, Veterans Affairs, and Homeland Security.[3]
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Best car insurance for federal employees
If you work as a federal employee, start with the insurance companies below when shopping for coverage and discounts.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.0/10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$55/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$121/mo
While its insurance policies are available to drivers of all occupations, government workers can get discounts on their policies. GEICO offers a discount of up to 12% for active or retired federal employees at level GS-7 and above. Federal employee auto insurance discounts are also available to policyholders who belong to a partnering membership organization.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.4/10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$46/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$100/mo
USAA operates with military members in mind, serving only active-duty members, reservists, veterans, and their immediate family members. Members get affordable rates and customer service that they may not find elsewhere. In addition, it has high J.D. Power ratings for auto insurance customer service and claims satisfaction.
Pros
Unique discounts for military members
Deals on travel, shopping, home products, and more with membership
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.0/10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$89/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$194/mo
In addition to a potential government employee discount, Travelers lets you stack savings through its many discounts. Travelers has electric vehicle, good student, continuous coverage, and safe driver discounts that can help you save money on your premiums.
Pros
Comprehensive list of coverage options
160 years of insurance industry experience
Cons
Below-average J.D. Power ratings in multiple regions[4]
I had a great experience with Travelers and would still be with them, but I got a better rate with another company.
Nancy - October 23, 2024
Verified
Not Great by Any Means
Be careful when you submit a claim! They actually owe me $1,000 from five years ago and I still haven't received it.
Birdie - October 21, 2024
Verified
Expensive
I've never needed any claims for over 40 years, have no tickets, and an excellent credit score, yet my rates increased by 50%.
…
How we chose the best insurers for federal employees
Data scientists at Insurify analyzed more than 40 million real-time auto insurance rates from our partner insurers across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. We considered car insurance companies that had specific affiliate or occupational discounts that could apply to federal employees. Then, we applied our Insurify Quality (IQ) Score to compare the best options for federal employees.
Where to find discounts for federal employees
Not all car insurance companies offer federal employee discounts, and few advertise them on their websites. So, determining if a company has car insurance discounts through an online search can be tough.
The best way to find out if an insurer has federal employee discounts is by asking an insurance agent when you get a quote. If a company offers discounts for federal employees, you may have to be a member of an organization through your job.
Some examples include the National Federation of Federal Employees, the Federal Law Enforcement Officers Association, and the Federal Managers Association. The Federal Employee Education and Assistance Fund provides an extensive list of unions, management associations, professional organizations, and affinity groups that may qualify for discounts. Insurance companies may not offer a discount for just being a federal employee or part of a membership organization.
Here are some auto insurance companies that advertise federal employee or military affiliation discounts:
Recent car insurance prices for Nissan, Honda, Ford, and more. Insurify features quotes from 100+ carriers including Orion Indemnity Company, CSAA, and GEICO.
*Quotes generated for Insurify users within the last 10 days. Last updated on October 30, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 30, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users within the last 10 days. Last updated on October 30, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 30, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Other ways to save on car insurance
While discounts are an easy way to decrease the cost of your car insurance, they aren’t the only way to save. Here are other strategies you can use to save on auto coverage:
Compare quotes
Insurance premiums fluctuate regularly, which means you might not be getting the best deal on your auto insurance policy. Comparing auto insurance policies from multiple insurance companies at least once a year is one of the most effective ways to save.
Drive safely
Safe drivers get better rates on the road because they’re less likely to file a claim. If you have a clean record, you may have some of the lowest rates possible.
Bundle policies
Multi-policy discounts save you money if you buy two or more policies through the same insurance company. Combining auto and home insurance or auto and renters insurance are common ways to bundle policies.
Increase your deductible
The higher your deductible, the lower your premiums may be, and vice versa. Increasing your deductible from $500 to $1,000 can help you save money. Just make sure you can afford the deductible if you need to file a claim.
Federal employee car insurance FAQs
Learn how to switch your car insurance in a few easy steps, and take a look at this additional information about federal employee insurance discounts, including their eligibility and availability.
Are federal employees eligible for USAA insurance?
Federal employees who are active or retired military members qualify for USAA. Its benefits also extend to veterans and immediate family members. Federal employees who aren’t part of the military community don’t qualify for USAA insurance. If you’re not a military member, GEICO and Travelers are other insurance companies to consider.
Is GEICO for government employees?
Not exclusively. While GEICO originally served government employees, the insurance company doesn’t have employment requirements for drivers. Government employees can check if they qualify for discounts using GEICO’s membership discount search tool.
Does AAA have a federal employee discount?
It’s unclear. AAA doesn’t advertise a nationwide federal employee discount. It may offer professional and group discounts, but you’ll have to call your local AAA agent to find out.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
Property damage limits between $10,000 and $50,000
No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
Comprehensive coverage with a $1,000 deductible
Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Alani Asis is a personal finance freelance writer with nearly three years of experience in content creation. She has landed bylines with leading publications and brands like Insider, Fortune, LendingTree, and more. Alani aims to make personal finance approachable through fun, relatable, and digestible content.
3+ years producing insurance and personal finance content
Main architect of the Insurify Quality Score
Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.
Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
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