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Best Car Insurance for Federal Employees (2026)

Federal employees may qualify for exclusive car insurance discounts and specialized programs that help reduce premiums.

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Cheapest recent rates

Drivers have found policies from National General Value, Mile Auto, Liberty Mutual with RightTrack®, and more, for rates as low as $41/mo. through Insurify

*Quotes generated for Insurify users within the last 10 days. Last updated on February 9, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ 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 February 9, 2026. 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 February 9, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ 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 February 9, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Ben Luthi
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Ben Luthi has been writing about personal finance for over a decade with the intent to help people improve their finances and lifestyle. Hes covered just about every personal finance topic under the sun for a variety of publications, including the Wall Street Journal, Fortune Recommends, Yahoo Finance, Experian, Credit Karma, NerdWallet, and many more. Ben lives near Salt Lake City with his two kids and two cats.

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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
sort ascsort desc
Federal Employee Discount
sort ascsort desc
Average Monthly Rate: Full Coverage
sort ascsort desc
Best For
sort ascsort desc
GEICOUp to 12%$141All government employees
Liberty MutualDoesn’t disclose$208Loyal drivers
USAADoesn’t disclose$100Military members
FarmersDoesn’t disclose$211Customizable coverage
TravelersDoesn’t disclose$187Other 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.
$87/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.
$141/mo
4.0
Best choiceBased on 15,025 verified guest reviews and ratings
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.

AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
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.

AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
Reviews (7,278)
Carla
Verified Review
I've been with them for 5 years, they have been good to me
Reviewed in Georgia on February 9, 2026
It's more than I want to pay. I have to have insurance at $268.00 monthly.
Eduardo
Verified Review
Full Coverage, Not Exactly That!
Reviewed in California on February 9, 2026
I never had issues until I filed a claim. The adjuster, "Angel," was very unprofessional and incompetent, in my opinion. Otherwise, the service was very great.
Randy
Verified Review
Geico
Reviewed in New York on February 9, 2026
I've been with them for 26 years.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
637
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.59
A.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.
7.7 /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.
$152/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.
$208/mo
3.4
A solid optionBased on 3,459 verified guest reviews and ratings
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.

AI-generated from the text of verified reviews collected by Insurify
Best For
Numerous discounts
New and financed vehicles
Accident forgiveness
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.

AI-generated from the text of verified reviews collected by Insurify
Best For
Numerous discounts
New and financed vehicles
Accident forgiveness
Reviews (1,863)
James
Verified Review
Poor Service
Reviewed in Massachusetts on February 7, 2026
Liberty advertises that you pay only for what you want. My wife has dementia and cannot drive. She is on my policy, and they have told me because she was listed, she would have to remain, and I have to pay for that.
Jacqueline
Verified Review
Experience
Reviewed in New Jersey on February 6, 2026
I'm new, but so far it's been a good experience.
Greg
Verified Review
Cost is around $200 less than anyone else
Reviewed in Hawaii on February 6, 2026
The cost is less for car policies, around $200.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
612
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
4.28
A.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

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.
$53/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
4.9
Best choiceBased on 2,886 verified guest reviews and ratings
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.

AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
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.

AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
Reviews (1,440)
William
Verified Review
USAA was OK
Reviewed in Florida on February 9, 2026
USAA had the lowest quote 6 months ago.
Laverne
Verified Review
Terrible Experience
Reviewed in Georgia on February 8, 2026
Terrible, they didn't make me whole on a NO FAULT accident and didn't go after the at-fault driver. They just paid me the wholesale book price for my 2-year-old vehicle!
Laura
Verified Review
25+ Years, Only 1 Small Claim
Reviewed in Texas on February 8, 2026
I have been with them for over 50 years and have only made one claim, so my experience has been good. However, I feel that the price is getting high, especially since I haven't had a claim in 40 years.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
739
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.31
A.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
3.7
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.
$109/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.
$211/mo
3.7
A solid optionBased on 2,383 verified guest reviews and ratings
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.

AI-generated from the text of verified reviews collected by Insurify
Best For
Bundling discounts
Minimum coverage
Safe drivers
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.

AI-generated from the text of verified reviews collected by Insurify
Best For
Bundling discounts
Minimum coverage
Safe drivers
Reviews (1,117)
Lanny
Verified Review
My Auto Insurance Coverage with Farmers Insurance
Reviewed in Colorado on February 2, 2026
I switched to Farmers from State Farm 8 years ago because State Farm raised my 6-month rates by $135.00 without explanation, and I had their tracking for my driving installed, for which they charged me an extra $35.00 a year. I had been with State Farm since I was 16 years old. No comment from my agent. So, I switched! My Farmers agent was very good. I realized I might pay a few dollars more, but the coverage I chose was good. It is a bit more expensive, but the coverage I have more than covers me. Will I continue? It depends on the cost of coverage in the future. I have had no accidents or violations, so my policy increases yearly have been minimal because I have a good driving record.
Robert
Verified Review
Farmers Insurance Rate Increase
Reviewed in Nevada on January 13, 2026
Stay away, they just raised my auto/home by over $1,500 without a single claim or accident! I will be shopping again.
Lois
Verified Review
State Farm was at the best rate
Reviewed in Montana on December 23, 2025
Just got their insurance.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
619
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
3.28
A.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

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
4.8
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.
$99/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.
$187/mo
4.8
Best choiceBased on 1,170 verified guest reviews and ratings
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.

AI-generated from the text of verified reviews collected by Insurify
Best For
Numerous discounts
Gap insurance
Rideshare coverage
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.

AI-generated from the text of verified reviews collected by Insurify
Best For
Numerous discounts
Gap insurance
Rideshare coverage
Reviews (555)
Paul
Verified Review
OK, Not great.
Reviewed in Florida on February 9, 2026
It is fine. They just reduced my premium.
Patrick
Verified Review
Travelers Review
Reviewed in Ohio on February 5, 2026
Okay, I guess. I have had no claims and hope I don't in the future.
John W
Verified Review
Thanks For Nothing
Reviewed in New Jersey on February 3, 2026
I have never filed a claim in over 30 years, and yet my premiums continue to rise out of control.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
616
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0
A.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.

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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:

  • illustration card https://a.storyblok.com/f/162273/150x150/7e47a00c4f/car-dashboard-96x96-green_045-airbag.svg

    Liability coverage

    Liability insurance pays for injuries and property damage you cause to others, including bodily injury and property damage liability protection.

  • illustration card https://a.storyblok.com/f/162273/150x150/0ee044afbd/car-and-driving-96x96-orange_039-car-accident.svg

    Collision coverage

    Collision insurance covers damage to your vehicle from collisions with other vehicles or objects, regardless of fault.

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

    Comprehensive coverage protects your vehicle from non-collision damage, like theft, vandalism, weather events, and animal strikes.

  • illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/150x150/c231786ab1/insurify-icons-auto-green-96x96_036-medical-report.svg

    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.

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
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.

Sources

  1. GEICO. "Car Insurance Discounts."
  2. GEICO. "Federal Employees Insurance Discounts And Premium Reductions."
  3. Liberty Mutual. "Liberty Mutual Launches MasterThis Platform."
  4. USAA. "Membersip."
  5. American Federation of Government Employees. "AFGE’s Farmer's Auto & Home® Insurance Policies."
  6. Travelers. "Affinity Car & Home Program."
  7. Action Insurance Group. "Car Insurance for Government Employees."
Ben Luthi
Ben Luthi

Ben Luthi has been writing about personal finance for over a decade with the intent to help people improve their finances and lifestyle. Hes covered just about every personal finance topic under the sun for a variety of publications, including the Wall Street Journal, Fortune Recommends, Yahoo Finance, Experian, Credit Karma, NerdWallet, and many more. Ben lives near Salt Lake City with his two kids and two cats.

Katie Powers
Edited byKatie PowersLicensed P&C Agent, Senior Insurance Editor
Photo of an Insurify author
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

Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.

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Konstantin Halachev
Data reviewed byKonstantin HalachevVP of Engineering & Data Science
Headshot of Konstantin Halachev, VP of Engineering at Insurify
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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