Best Car Insurance for Federal Employees (2026)
Federal employees may qualify for exclusive car insurance discounts and specialized programs that help reduce premiums.
Secure. Free. Easy-to-use.
4.7 / 514K reviews
)
Written byBen Luthi
)
Ben LuthiInsurance and Personal Finance Writer
12+ years in personal finance and insurance writing
Former financial analyst
)
Edited byKatie Powers
)
Katie PowersLicensed P&C Agent, Senior Insurance Editor
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Featured in
){kind=small}
){kind=small}
)
Data reviewed byKonstantin Halachev
)
Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
Updated
Why you can trust Insurify: Comparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our editorial team follows a rigorous set of editorial standards and operates independently from our insurance partners. Learn more.
Federal employees are often eligible for car insurance discounts based on their government employment. Insurance companies recognize government workers as lower-risk customers due to job stability, consistent income, and other factors.
Some insurers offer federal employee car insurance programs with exclusive discounts. For example, you can earn up to 12% off through GEICO’s Eagle Discount program. Occupation-based savings can help reduce your insurance costs, but discount amounts vary by insurance company and your specific risk profile.
Here’s what you need to know about the best car insurance for federal employees and how to earn the best rates.
Quick Facts
GEICO, Liberty Mutual, USAA, Farmers, and Travelers offer some of the best savings for federal employees and military members.
Your eligibility for discounts will depend on which agency you work for and the insurer you choose.
Beyond savings opportunities, auto insurance for federal employees is the same as traditional car insurance.
Best car insurance companies for federal employees
Several insurance companies offer discounts and specialized programs for federal employees, but specifics vary. You should always compare quotes from several insurers to find the best possible coverage for your needs at the cheapest price.
Here are some of the best car insurance companies for federal employees.
Insurance Company  | Federal Employee Discount | Average Monthly Rate: Full Coverage | Best For |
|---|---|---|---|
| GEICO | Up to 12% | $148 | All government employees |
| Liberty Mutual | Doesn’t disclose | $207 | Loyal drivers |
| USAA | Doesn’t disclose | $103 | Military members |
| Farmers | Doesn’t disclose | $214 | Customizable coverage |
| Travelers | Doesn’t disclose | $193 | Other discounts |
Disclaimer: Table data is based on real-time quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
GEICO: Best for all government employees
| User Reviews | 4.0 |
|---|---|
| IQ Score 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. | 9.2 /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. | $80/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. | $148/mo |
4.0
Best choiceBased on 18,220 verified driver reviews and ratings
GEICO's score | Industry average | |
|---|---|---|
| Coverage options | 4.0 | 3.2 |
| Customer service | 4.1 | 3.6 |
| Discounts | 3.9 | 2.9 |
| Policy transparency | 3.9 | 3.1 |
| Value | 3.8 | 2.9 |
How drivers feel about GEICO
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
Based on analysis of verified reviews collected by Insurify
Best For
Showing recent national reviewsSee all 7,744 GEICO reviews
Verified Review
Reviewed in Florida on May 20, 2026
Geico in Florida offers 6-month premiums, unlike my birthplace of Boston, MA, where everyone's policies are for 1 full year each. I loved 1-year policies! It took me forever to get used to 6-month policies. Now, I've had no accidents in over 30, or is it the last 35 years? As well as no tickets in over 20, or is it the last 25 years? And for my last renewal, Geico decided to raise my renewal bill by over $200. It's bad enough my insane love I've had my entire life for my Jaguars, my Corvettes, and/or my Lincoln Town Cars has cost me over an arm and a leg, especially for the repairs part of those equations. Anyways, this is why I'm leaving Geico. Besides, I haven't even been with them that long. I am sure I will find cheaper insurance in no time at all! Thank you very much!
Verified Review
Reviewed in Florida on May 20, 2026
So far, better price.
Verified Review
Reviewed in Florida on May 19, 2026
Adequate, doesn’t include regular maintenance but roadside assistance was excellent. Joe gave me a jump and escorted me to the nearest garage for a new battery and warranty. I did not wait long for battery installation.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
637NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.59A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
GEICO offers the best savings opportunities for federal government employees. The insurer operates a dedicated Federal Employee Program with the Eagle Discount.[1] Active and retired federal employees at the GS-7 level or above can save up to 12%.[2]
Federal workers with coverage from GEICO can also qualify for membership discounts through federal organizations — though they can’t stack these discounts. Finally, military members can save up to 15% on premiums.
Pros
Three different discount programs for federal employees
Broad range of other discounts
Mechanical breakdown coverage available
Cons
Federal employee discount not available in some states
Limited network of local agents
Minimal optional coverages
Liberty Mutual: Best for loyal drivers
| User Reviews | 3.4 |
|---|---|
| IQ Score 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. | 8.4 /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. | $130/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. | $207/mo |
3.4
A solid optionBased on 3,966 verified driver reviews and ratings
Liberty Mutual's score | Industry average | |
|---|---|---|
| Coverage options | 3.6 | 3.2 |
| Customer service | 3.5 | 3.6 |
| Discounts | 3.3 | 2.9 |
| Policy transparency | 3.4 | 3.1 |
| Value | 3.0 | 2.9 |
How drivers feel about Liberty Mutual
Drivers appreciate the ease of making payments and the company’s helpful customer service. But they dislike the frequent and unexplained rate increases, and some report difficulties in communication and claim handling.
Based on analysis of verified reviews collected by Insurify
Best For
Showing recent national reviewsSee all 1,930 Liberty Mutual reviews
Verified Review
Reviewed in Rhode Island on May 19, 2026
Good but too expensive.
Verified Review
Reviewed in Virginia on May 14, 2026
Very reasonable.
Verified Review
Reviewed in New Jersey on May 13, 2026
The app and web page could use some work. Options included date and amount only.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
612NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
4.28A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
AWhy we picked this company
Liberty Mutual doesn’t offer a federal employee discount directly, but the insurer partners with more than 15,000 organizations to provide affiliation discounts. Federal workers with coverage from Liberty Mutual may qualify for discounts through membership in credit unions, professional associations, and alumni groups.[3]
The insurance company also offers a vanishing deductible perk for loyal customers. Each year, you contribute $30, and Liberty Mutual provides $70, with the full $100 available to you if you file a claim.
Pros
Has affinity partnership discounts
Several optional add-ons available
High claims satisfaction score from J.D. Power
Cons
No publicly available list of eligible organizations and associations
Above-average amount of complaints filed with the National Association of Insurance Commissioners (NAIC)
Relatively high average premiums
USAA: Best for military members
| User Reviews | 4.9 |
|---|---|
| IQ Score 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. | 9.1 /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. | $51/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. | $103/mo |
4.9
Best choiceBased on 3,637 verified driver reviews and ratings
USAA's score | Industry average | |
|---|---|---|
| Coverage options | 4.9 | 3.2 |
| Customer service | 4.9 | 3.6 |
| Discounts | 4.9 | 2.9 |
| Policy transparency | 4.9 | 3.1 |
| Value | 4.9 | 2.9 |
How drivers feel about USAA
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
Based on analysis of verified reviews collected by Insurify
Best For
Showing recent national reviewsSee all 1,575 USAA reviews
Verified Review
Reviewed in Texas on May 19, 2026
USAA is too costly, changes policy without consent, and is a nightmare to deal with on claims. Our last claim, they offered us a final offer of exactly half what our vehicle was worth. We had to hire an independent appraiser, they wouldn’t honor his appraisal, then we had to pay for a mediator to get even near what the vehicle was worth. Our own insurance company fought us at every turn for what our vehicle was obviously worth. The policy has gone up more than 4 times our initial quote. I don’t know why we stuck with them for so long. Quotes from other companies put our 6-month price less than 1 month of USAA’s prices. We are dumping them as soon as possible. It isn’t the same USAA it was 20 years ago. We have good credit and clean driving records. The last thing we want after being in an accident is to have to fight with our own provider that we were paying top dollar for. Our payout finally came after 1 year of dealing with them, hiring our own appraisal, and paying for mediation. My only advice is if you use USAA and get into an accident, immediately hire an attorney to deal with it all for you; otherwise, stay away from this company at all costs. They are not worth the high premiums they charge.
Verified Review
Reviewed in Maryland on May 19, 2026
I had three accidents during my entire time with the company, and how I was treated was not fair. My rates went up over 700%.
Verified Review
Reviewed in Pennsylvania on May 19, 2026
I recently switched to this insurance company and wanted to share my experience. The customer service was very helpful in explaining the different coverage options available. They took the time to ensure I understood what each policy covered and how it would benefit me. However, I found their rates to be slightly higher than my previous insurer. Overall, the service was good, but I'm still weighing the cost versus the benefits.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
739NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.31A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
USAA primarily serves military members, veterans, and their families, but you can also join if you work for an eligible federal agency, such as the Defense Criminal Investigation Services (DCIS), the Drug Enforcement Administration (DEA), the Federal Bureau of Investigation (FBI), or the Department of State (DOS).[4]
The insurer doesn’t offer specific discounts for federal employees, but active-duty service members can get a discount during deployment or if they’re garaging a vehicle on a military base.
Pros
Low average premiums
Exceptional customer service ratings
Offers military-focused benefits
Cons
Only accessible to the military community and some government employees
No network of local insurance agents
Fewer discounts compared to competitors
Farmers: Best for customizable coverage
| User Reviews | 3.8 |
|---|---|
| IQ Score 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. | 8.5 /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. | $105/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. | $214/mo |
3.8
A solid optionBased on 2,406 verified driver reviews and ratings
Farmers's score | Industry average | |
|---|---|---|
| Coverage options | 3.7 | 3.2 |
| Customer service | 3.7 | 3.6 |
| Discounts | 3.4 | 2.9 |
| Policy transparency | 3.5 | 3.1 |
| Value | 3.2 | 2.9 |
How drivers feel about Farmers
Customers appreciate the helpful agents and good initial quotes but dislike the consistent rate increases and lack of senior discounts. Some also reported issues with claim handling and communication.
Based on analysis of verified reviews collected by Insurify
Best For
Showing recent national reviewsSee all 1,120 Farmers reviews
Verified Review
Reviewed in Kansas on March 3, 2026
Expensive car insurance, but cheaper house insurance and cheaper umbrella. As a result, a combo of the three makes them competitive with other companies.
Verified Review
Reviewed in Minnesota on February 27, 2026
Farmers made changing insurance easy and called to make sure I have what I need. It's half the cost of my previous insurance.
Verified Review
Reviewed in Colorado on February 16, 2026
It is a bit expensive for an older automobile, but I've had no claims.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
619NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
3.28A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
AWhy we picked this company
Farmers offers group discounts to federal employees through partnerships with organizations like the American Federation of Government Employees (AFGE).[5] You can also qualify for savings if you’re a current or retired member of the military or if you belong to other eligible professional organizations. Farmers offers a wide range of coverages, making it easy to tailor your policy to your specific needs.
Pros
Robust coverage options
Broad range of discounts
Strong network of local agents
Cons
Below-average claims and customer satisfaction scores from J.D. Power
Higher premiums than many competitors
Doesn’t offer coverage in every state
Travelers: Best for other discounts
| User Reviews | 4.6 |
|---|---|
| IQ Score 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. | 8.5 /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. | $96/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. | $193/mo |
4.6
Best choiceBased on 1,494 verified driver reviews and ratings
Travelers's score | Industry average | |
|---|---|---|
| Coverage options | 4.6 | 3.2 |
| Customer service | 4.6 | 3.6 |
| Discounts | 4.3 | 2.9 |
| Policy transparency | 4.6 | 3.1 |
| Value | 4.3 | 2.9 |
How drivers feel about Travelers
Customers appreciate the insurer’s communicative customer service and efficient claims process. But they’re dissatisfied with the consistent and sometimes significant price increases, even for those with clean driving records.
Based on analysis of verified reviews collected by Insurify
Best For
Showing recent national reviewsSee all 608 Travelers reviews
Verified Review
Reviewed in Tennessee on May 19, 2026
We bought Allstate policies for better cost value.
Verified Review
Reviewed in Alabama on May 18, 2026
Travelers has been very good to insure with.
Verified Review
Reviewed in Oklahoma on May 12, 2026
Too expensive, but good coverage. I have 3 vehicles and drive one at a time. I do not drive to school or work, and I drive only 50 miles per week, one day. The rates are ridiculously high.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
616NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
Travelers offers federal employee discounts through its Affinity Car & Home Program, which partners with organizations, credit unions like PenFed, and professional associations.[6]
Beyond occupation-based savings, Travelers provides robust discount opportunities. It offers the IntelliDrive telematics program, hybrid vehicle discounts, early quote savings, and continuous insurance discounts.
Pros
Affinity partnership discount may provide broad federal employee eligibility
Wide range of other discounts
Accident forgiveness available
Cons
Below-average claims and customer satisfaction scores from J.D. Power
No publicly available list of eligible organizations and associations
Higher premiums than many competitors
How to qualify for federal employee car insurance discounts
To qualify for federal employee car insurance discounts, you’ll need to provide documentation proving your government employment during the car insurance quote process. Insurance companies may require you to verify your federal status.
Typically, you can verify this through a government-issued employee ID, a recent paystub showing your federal agency employer, or a membership card for a qualifying organization.[7]
Federal employees include people working for executive branch agencies, legislative offices, judicial branches, and independent federal organizations. This covers civilian employees of government agencies like the Department of Defense (DoD), the Internal Revenue Service (IRS), the Department of Education (ED), and other federal departments.
Eligibility requirements vary by insurance company. Some insurers extend discounts to all federal workers regardless of agency, while others may have specific partnerships or affiliations that provide enhanced savings.
Other ways federal employees can save on car insurance
Beyond occupation-based discounts, federal employees can find multiple potential savings opportunities to reduce their insurance costs. Combining these strategies with federal employee car insurance discounts can significantly lower your insurance premiums.
Learn more about common auto insurance discounts below:
Safe driver discount: Maintaining a clean driving record free of accidents or violations can earn you substantial savings. Many insurers also offer an accident forgiveness program or a discount for experienced safe drivers.
Bundling discount: Combining your auto insurance with home insurance, life insurance, or renters insurance coverage through the same company can typically result in a discount. Insurers often provide discounts for bundling two or more insurance products.
Multi-car discount: Insuring multiple vehicles on a single policy reduces per-vehicle premiums and simplifies policy management.
Telematics programs: Usage-based insurance tracks your driving habits through a mobile app or device. Safe drivers with low mileage can potentially earn lower car insurance rates.
Mileage discounts: Federal employees with short commutes or those working remotely may qualify for low-mileage savings based on reduced driving exposure.
Payment discount: Setting up auto pay for your policy term can earn small but consistent savings on your premiums.
Safety features discount: Vehicles equipped with anti-theft systems, airbags, and advanced driver assistance technologies may qualify for reduced insurance costs.
Find Cheap Car Insurance
Insurify partners with 120+ insurers for real quotes
Excellent
4.7 out of 5 based on 14,478 reviews
Secure. Free. Easy-to-use.
What federal employee car insurance covers
Federal employee car insurance includes the same insurance coverage components as standard policies. The federal status provides access to discounts but doesn’t change the fundamental coverage types. Your needs will determine the insurance options and deductible levels you select.
Standard auto insurance policies include the following:
Liability coverage
Liability insurance pays for injuries and property damage you cause to others, including bodily injury and property damage liability protection.
Collision coverage
Collision insurance covers damage to your vehicle from collisions with other vehicles or objects, regardless of fault.
Comprehensive coverage
Comprehensive coverage protects your vehicle from non-collision damage, like theft, vandalism, weather events, and animal strikes.
Uninsured/underinsured motorist (UM/UIM) coverage
With UM/UIM coverage, you’ll get protection if an at-fault driver lacks adequate insurance to cover your damages.
Medical coverage
Depending on where you live, you may also legally have to purchase personal injury protection (PIP) or medical payments coverage, which helps cover medical expenses for you and your passengers after an accident, regardless of fault.
Federal employee car insurance FAQs
The following information can help answer your remaining questions about how being a federal employee can affect your car insurance.
Which companies have the best insurance for federal employees?
No single insurer offers the best insurance coverage for federal employees, so it’s important to shop around. But some insurers, including GEICO, Liberty Mutual, and USAA, offer discounts to federal employees and military personnel.
Do federal contractors qualify for government employee discounts on insurance?
Federal contractors may not qualify for federal employee car insurance discounts because they’re not direct government employees.
Can you stack federal employee discounts with other savings?
Yes. You can combine federal employee discounts with other auto insurance savings, such as safe driver programs, bundling discounts, and mileage discounts. Ask your insurance company about all available incentives.
Do retired federal employees qualify for discounts?
Eligibility requirements for retired federal employees vary by insurance company. Some insurers extend government employee discounts to retirees, while others limit discounts to active employees or members of eligible organizations.
Why do federal employees get insurance discounts?
Insurance companies may offer discounts to federal employees because they view them as lower-risk customers with a secure job.
How much is the GEICO discount for federal employees?
GEICO offers federal employees discounts of up to 12%, with additional savings of up to 15% for military members. Actual auto insurance rates vary based on factors like your driving record, vehicle, coverage selections, and location, so it’s best to request a personalized quote to see how much you can save. Check in with an agent at your local insurance agency if you have any questions.
Sources
- GEICO. "Car Insurance Discounts."
- GEICO. "Federal Employees Insurance Discounts And Premium Reductions."
- Liberty Mutual. "Liberty Mutual Launches MasterThis Platform."
- USAA. "Membersip."
- American Federation of Government Employees. "AFGE’s Farmer's Auto & Home® Insurance Policies."
- Travelers. "Affinity Car & Home Program."
- Action Insurance Group. "Car Insurance for Government Employees."
Methodology
Insurify data scientists analyzed more than 190 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 500+ 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
- 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.
Related articles
)
Best Car Insurance for Nurses
Farmers, Liberty Mutual, and Travelers are just a few companies that offer car insurance discounts for nurses through affinity group programs.
)
Car Insurance for First Responders
Police officers, firefighters, EMTs, and other first responders may qualify for special car insurance discounts.
)
Best Car Insurance Rates and Discounts for Teachers
If you’re a teacher, you might qualify for exclusive discounts on your car insurance coverage.
)
Best Car Insurance for Delivery Drivers
USAA, Allstate, and State Farm offer some of the best car insurance for delivery drivers.
)
Military Car Insurance: Best Companies for Veterans and Active Duty
USAA, GEICO, and other insurers offer military-specific discounts, deployment coverage options, and SCRA protections that can save service members hundreds per year.
)
Best Car Insurance for Doctors
Progressive, Farmers, and Liberty Mutual are some of the car insurance companies that offer discounts for doctors.
)
Car Insurance for Self-Employed People
Identifying the right coverage level for your business vehicle is important; you’ll need to have the correct coverage in the event of a claim.
)
Car Insurance for Unemployed Drivers: What to Know
Most insurers don’t ask about employment status, but unemployed drivers may face higher premiums if they fail to make on-time premium payments.
)
Ben LuthiInsurance and Personal Finance Writer
12+ years in personal finance and insurance writing
Former financial analyst
Katie PowersLicensed P&C Agent, Senior Insurance Editor
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Featured in
Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology