Best Car Insurance for Federal Employees (2025)
Federal employees may qualify for special discounts to lower their auto insurance rates with insurers like GEICO, USAA, and more.
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Written byAlani Asis
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3 años de experiencia en redacción de contenidos
Artículos en destacadas publicaciones financieras
Alani es una escritora independiente especializada en finanzas personales. Su objetivo es hacer que los temas complejos sean más accesibles a través de contenidos divertidos y digestibles.
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Edited byCourtney Mikulski
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Courtney MikulskiSenior Editor, Auto
Over 3 years of experience producing content on insurance and personal finance.
Key architect of Insurify's quality score.
Courtney's deep knowledge of personal finance goes beyond insurance and includes credit cards, consumer loans, and banking. She loves creating practical content.
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Data reviewed byKonstantin Halachev
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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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Table of contents
Table of contents
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.
Quick Facts
GEICO, USAA, and Travelers are the best auto insurance companies for federal employees.
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.
GEICO: Best for cheap rates
| 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 /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. | $148/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. | $178/mo |
4.0
Best choiceBased on 11,909 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 (6,412)
Karen
May 25, 2025
Verified Review
Geico is number 1 in my book
Any dealings I have had with Geico have been excellent, so I am pleased with Geico.
Destiny
May 24, 2025
Verified Review
Great Insurance
Geico is great to deal with and has good reviews.
Carla
May 19, 2025
Verified Review
Perfect record, but keeps costing more.
Good through the years, but the cost keeps increasing.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
835NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.74A.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
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.
Pros
Plenty of discounts
Highly rated mobile app
Cons
Doesn’t offer gap insurance
Limited insurance agent network
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. | 9.4 /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. | $47/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. | $98/mo |
4.9
Best choiceBased on 2,078 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 (1,185)
Bobby
May 25, 2025
Verified Review
USAA Review
Difficult to reach.
John
May 23, 2025
Verified Review
Cost too much
Increased prices too much recently.
Rosemarie
May 16, 2025
Verified Review
Fair
More reasonable prices.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.35A.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 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
Cons
Restrictive membership requirements
Gap insurance not available
Travelers: Best for discounts
| User Reviews | 4.7 |
|---|---|
| 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. | 9 /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. | $91/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. | $189/mo |
4.7
Best choiceBased on 897 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 (465)
Janessa
May 24, 2025
Verified Review
Not Impressed
They have rates with very little coverage.
John
May 12, 2025
Verified Review
Just the same
Travelers is a fair company to deal with. Like all other insurance agencies, the premium goes up if you have a simple claim.
Shannon
May 10, 2025
Verified Review
I'm tired of being taken advantage of
They raised my rates significantly without any notification, and the agent's email is no longer valid.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
829NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.94A.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
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]
More expensive than other insurers
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:
GEICO: Federal employee discount of up to 12%
Travelers: Discounts through certain affinity programs
Farmers: Discounts for military personnel and certain professional organizations
Liberty Mutual: Military discount
Cheapest recent rates
Insurify’s drivers have found rates ranging from $37/mo. to $117/mo. in the last few days
*Quotes generated for Insurify users within the last 10 days. Last updated on May 28, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 120+ 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 May 28, 2025. 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 May 28, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 120+ 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 May 28, 2025. 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
- 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.
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Sources
- GEICO. "GEICO At A Glance."
- U.S. Office of Personnel Management. "Glossary."
- Congressional Budget Office. "Federal Personnel."
- J.D. Power. "2023 U.S. Auto Insurance Study."
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Alani Asis
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.
Alani has been a contributor at Insurify since January 2023.
Courtney MikulskiSenior Editor, Auto
Over 3 years of experience producing content on insurance and personal finance.
Key architect of Insurify's quality score.
Courtney's deep knowledge of personal finance goes beyond insurance and includes credit cards, consumer loans, and banking. She loves creating practical content.
Featured in
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.