Best Car Insurance Discounts for Federal Employees in 2024 (Get up to 35% Off With These Companies)
The best car insurance discounts for federal employees are offered by Geico, Nationwide, and Liberty Mutual. A car insurance government employee discount can be hard to find, but many companies offer savings. For example, federal workers can save up to 35% on their policies when they shop at Geico.
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Brad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
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UPDATED: Dec 19, 2024
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Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Dec 19, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
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Geico, Nationwide, and Liberty Mutual offer the best car insurance discounts for federal employees, with potential savings of up to 35%.
However, plenty of car insurance companies offer savings for federal employees. For example, the federal employee discount from Progressive offers up to 23% off.
Our Top 10 Company Picks: Best Car Insurance Discounts for Federal Employees
| Company | Rank | Savings Potential | A.M. Best | Who Qualifies? |
|---|---|---|---|---|
 | 1 | 35% | A++ | All active federal employees |
 | 2 | 30% | A+ | Current and retired federal workers |
 | 3 | 28% | A | Federal employees in good standing |
 | 4 | 25% | B | Full-time federal workers |
 | 5 | 23% | A+ | Active and retired federal employees |
 | 6 | 20% | A+ | Federal workers with proof of employment |
 | 7 | 18% | A | Current federal employees |
 | 8 | 16% | A++ | Federal employees with no violations |
 | 9 | 15% | A+ | Retired and active federal employees |
 | 10 | 12% | A | Full-time federal government employees |
Read on to explore the best car insurance discounts for federal employees and where to find the cheapest rates. Then, enter your ZIP code into our free comparison tool to find the lowest federal employee coverage in your area.
- Geico and Nationwide have the best federal employee discounts
- Finding actual federal employee car insurance discounts can be difficult
- Most companies offer a variety of ways for federal workers to save
Companies With the Best Car Insurance Discounts for Federal Employees
Finding car insurance with government discounts can be difficult because not many companies offer specific savings for federal workers. However, there are a handful that do, including:
- Geico: Our Geico car insurance review says that the company was founded to provide cheap insurance to government employees. If you’re a GS-7 or higher, you can earn up to 35% off with the Geico discount for federal employees.
- Nationwide: Save up to 30% with the Nationwide government employee discount, though savings are not available in every state. Read our Nationwide car insurance review to see which discounts you may qualify for.
- Liberty Mutual: According to our Liberty Mutual car insurance review, this company partners with several government employee organizations to offer an affinity discount.
- Farmers: Farmers also offers an affinity discount to various employers and organizations, many of which are federal. Check out our Farmers car insurance review for more information.
Other companies may not offer a government employee discount but do have alternative ways to save. For example, many companies offer a military discount to active and retired members.
Whether a company offers a government employee discount or not, getting a quote is simple. Most companies offer a quote request form on their website that takes about 15 minutes to fill out.
If you fill that form out for multiple companies, you’ll be able to compare personalized quotes to find the lowest rates. If you want to skip the hassle, simply enter your ZIP code into our free tool to see multiple personalized quotes at once.
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Federal Employee Car Insurance Rates
Looking for cheap car insurance for civil servants? While most companies don’t offer a dedicated discount to government workers, it’s still easy to find the best auto insurance for federal employees.
Kristine Lee
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Many factors are used by companies to determine your insurance premiums, and your job can be one of them. Luckily for federal employees, government workers tend to be involved in fewer accidents and traffic violations.
Thanks to this, government employee auto insurance tends to be cheaper than the national average. Check below to see rates for car insurance for federal employees from some of the top companies in the country.
These low rates are before government employee discounts, so you’ll probably be able to find affordable coverage even if your chosen company doesn’t offer a discount. However, you can save even more with savings like the Geico government employee discount.
Who Qualifies for Federal Employee Insurance Discounts
No matter what types of car insurance coverage you want or the job you have, not everyone who works for the government qualifies for a federal employee car insurance discount.
For starters, you’ll need to be one of the following in order to potentially qualify for a federal employee discount:
- Current Employees at Local, State, and Federal Agencies
- Retired Employees
- Military Members
- Spouses and Children of a Government Employee
Aside from this requirement, you’ll also need to check with individual companies for their requirements. Some companies require that you be a certain level of government employee before you qualify.
Chris Abrams Licensed Insurance Agent
If you’re unsure if you qualify, check with an insurance representative at your provider for more information.
You’ll also need to provide proof of your employment to secure federal employee benefits discounts. Every company has its own rules for this process, but it’s usually as simple as sending in a copy of your most recent pay stub.
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Case Studies: Federal Employee Car Insurance Discount
Still wondering how car insurance with federal employee discounts can help you save? Check out a few real-world examples of how people got the best government employee discounts below.
- John’s Savings With Geico: John, a government employee based in Washington, D.C., lowered his full coverage rates by 35% with the federal employee Geico discount.
- Military Savings for Sarah: Sarah retired from the military and lives in Virginia. She got the best car insurance for veterans in Virginia by taking advantage of the State Farm military discount.
- Switching to Nationwide Helped Maria Save: Maria is a government employee from Texas. She was able to lower her insurance costs by 30% when she switched to Nationwide.
If you’re unsure of how to get car insurance discounts for state employees, a representative from your current provider can help. If they don’t offer a discount, you can always compare rates at other companies to find the best deal.
Find the Best Federal Employee Car Insurance Discounts Today
The best car insurance companies can help you save on your policy, no matter where you work. However, federal and government employees can get the best savings from companies like Geico, Nationwide, and Liberty Mutual.
If you’re ready to compare auto insurance quotes from the top companies in your area, enter your ZIP code to compare affordable federal employee car insurance discounts.
Frequently Asked Questions
Which car insurance companies offer federal employee car insurance discounts?
Which car insurance companies offer federal employee car insurance discounts? The Government Employees Insurance Company (Geico) is the industry leader in providing federal employee car insurance discounts. However, companies like Liberty Mutual and Progressive also offer discounts to federal employees. Check out our Progressive car insurance review to see how much you can save.
Are federal employee car insurance discounts the same as military discounts?
No, federal employee car insurance discounts and military discounts are not the same. Some car insurance companies offer both discounts, while others offer one or the other.
What types of car insurance coverage are eligible for federal employee discounts?
Federal employee car insurance discounts can be applied to liability car insurance, comprehensive, and collision coverage. The specific coverage options and discounts offered will vary depending on the car insurance company. Make sure to compare car insurance options to find the right policy for you.
Should I shop around for federal employee car insurance discounts?
Yes, it is recommended to compare quotes from multiple car insurance companies to find the best rates for you. Not all car insurance companies offer federal employee discounts, so it’s important to do your research.
How much can I save with a federal employee car insurance discount?
You can save up to 35% if you shop with the right company. To see how much you can save on your car insurance, enter your ZIP code into our free tool today.
What discounts do federal employees get?
Federal employees get various discounts, including travel, retail, insurance, and dining.
Does State Farm have a government employee discount?
Unfortunately, State Farm does not offer a government employee discount. You can check out which discounts State Farm does offer in our car insurance review of State Farm.
Does State Farm offer veterans discounts?
Yes, you can get a military car insurance discount from State Farm in most cases. Make sure to check with a representative to make sure the State Farm military discount is available in your state.
Does Geico offer discounts for federal employees?
Yes, Geico offers a discount of up to 35% to eligible government employees. To qualify, you must be a GS-7 level employee or higher.
Do government employees get discounts on cars?
Several car dealerships offer government employee discounts. To check if you can get a discount on a new car, you can either contact the dealership you’re interested in or your workplace HR.
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Brad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
