Best Car Insurance for Federal Employees (2024)

Federal employees may qualify for special discounts to lower their auto insurance rates with insurers like GEICO, USAA, and more.

Alani Asis
Written byAlani Asis
Alani Asis
Alani Asis
  • 3 years of content writing

  • Bylines with leading financial publications

Alani is a freelance writer specializing in personal finance. She aims to make complex topics more approachable through fun, digestible content.

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Courtney Mikulski
Courtney MikulskiSenior Editor, Auto
  • 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.

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Konstantin Halachev
Data reviewed byKonstantin Halachev
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.

Updated July 11, 2024

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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 July 11, 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 July 11, 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 July 11, 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.

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 CompanyAverage 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

Compare personalized, real-time quotes
User Reviews
3.1
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.
9.0/10
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.
$56/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.
$122/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.

Pros
  • Plenty of discounts

  • Highly rated mobile app

Cons
  • Doesn’t offer gap insurance

  • Limited insurance agent network

Read more driver reviews of GEICO
Ashley - July 7, 2024
Verified

Overpriced and not based on driving record

I would not recommend Geico to anyone and would suggest considering other companies.

Pam - July 7, 2024
Verified

Great Insurance

Excellent.

Peggy - July 7, 2024
Verified

Great Company, Switched Only Due to Cost

They provide excellent service.

USAA: Best for military members

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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.
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

Cons
  • Restrictive membership requirements

  • Gap insurance not available

Read more driver reviews of USAA
Timothy - July 7, 2024
Verified

Decline of USAA

USAA has become just another big business that only cares about the dollar and has forgotten about veterans!

Thomas - July 7, 2024
Verified

Frustrated with the automated agent

The personal customer service is excellent. However, the automated agent is horrible.

Jeffrey - July 7, 2024
Verified

USAA has broadened its membership eligibility, but not for my parents

Shop carefully if you have time. USAA is no longer the best buy, especially since they have started mass audience advertising. It seems they are seeking a wider and more diverse customer base. Many features of the original organization are gone. Contacting them requires great patience. It's easier to reach most other insurance companies. Their phone contact security is overkill, meaning that callers need a multitude of PIN numbers, passwords, and other protective measures.

Travelers: Best for discounts

Compare personalized, real-time quotes
User Reviews
3.5
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.
9.0/10
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.
$90/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.
$196/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]

  • More expensive than other insurers

Read more driver reviews of Travelers
David - July 2, 2024
Verified

Good Until a Claim Was Made

It started as a good value. However, after one claim from an animal hitting our car, they raised our rates by almost a thousand dollars, with no other claims.

Daniel - June 28, 2024
Verified

Excellent

I really only had to make one claim during my time. It went pretty well.

Linda - June 26, 2024
Verified

Age

I am trying to get a better rate. I have had zero claims in many years, in fact, I've never had a claim for the entire duration. Could this be age discrimination? I am 80 and never travel more than 2 miles away from home, yet my rate still goes up!

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

Recent car insurance prices for Ford, Dodge, Jeep, and more. Insurify features quotes from 70+ carriers including Progressive, Freedom National, and Certainly.

*Quotes generated for Insurify users within the last 10 days. Last updated on July 11, 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 July 11, 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 July 11, 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 July 11, 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:

  • illustration card https://a.storyblok.com/f/162273/x/fa11c1fe75/comparison-website.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/x/64a2fc54c7/good-driver.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/x/9f249b61b8/bundling.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/100x100/9cd41581f2/savings.svg

    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.

Sources

  1. GEICO. "GEICO At A Glance."
  2. U.S. Office of Personnel Management. "Glossary."
  3. Congressional Budget Office. "Federal Personnel."
  4. J.D. Power. "2023 U.S. Auto Insurance Study."
Alani Asis
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.

Courtney Mikulski
Edited byCourtney MikulskiSenior Editor, Auto
Courtney Mikulski
Courtney MikulskiSenior Editor, Auto
  • 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.

Featured in

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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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