Best Auto Insurance for Federal Employees in 2024 (Top 10 Companies Ranked)

Geico, USAA, and State Farm offer the best auto insurance for federal employees due to their specific government employee discounts, low rates, and coverage options.

USAA is the runner-up to Geico for active or retired military members who work for the government, while State Farm is a great alternative because it offers cheap rates and excellent coverage options. Although getting a federal employee auto insurance discount is a great way to save, it’s not the only way to find cheap car insurance for government employees.

Our Top 10 Company Picks: Best Auto Insurance for Federal Employees

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#1 – Geico: Top Pick Overall

Pros

• Federal employee discounts: Geico — which stands for Government Employee Insurance Company — is well-known for its exclusive federal employee discounts. Learn more about Geico’s discounts in our Geico auto insurance review.
• Low rates: Regardless of where you work, Geico is often one of the cheapest insurance providers on the market.
• Other discounts: Aside from a federal employee discount, Geico offers plenty of opportunities to save. Popular discounts include multi-policy, good student, and safe driving savings.
• Excellent online service options: Geico makes managing your policy simple with a user-friendly website and mobile app.

Cons

• Mixed customer service reviews: Although Geico has strong ratings from third-party companies like A.M. Best and the NAIC, customer service reviews are mixed.
• Few local options: Finding a local Geico agent to work with can be difficult, depending on where you live.
• High rates for some drivers: Geico is usually affordable, but high-risk drivers with a DUI on their record can usually find better rates elsewhere.

#2 – USAA: Best for Federal Employees in the Military

Pros

• Military-specific discounts: Whether you’re active duty or retired, service people with federal jobs will find military-specific discounts with USAA.
• Financial services: USAA sells more than just car insurance. Members can also get help with investment and retirement plans, loans, and banking services.
• Cheapest rates: USAA consistently ranks as the cheapest option for auto insurance in every state, no matter who the driver is. See how USAA’s rates compare to other insurance providers in our USAA auto insurance review.
• Excellent customer and claims satisfaction: Boasting more than low rates, USAA also scores highly in most customer service and claims satisfaction surveys.

Cons

• Membership required: Only active and retired military members and their families are eligible for USAA membership.
• Limited physical locations: USAA doesn’t have as many brick-and-mortar locations as some of its larger competitors.
• Missing coverage options: USAA doesn’t offer a few common coverage types you can find elsewhere — most notably, gap insurance.

#3 – State Farm: Best for Personalized Policies

Pros

• Extensive network of agents: Getting personalized help on your policy is easy with State Farm as it has one of the largest networks of local agents.
• Overall low rates: Typically speaking, State Farm offers lower rates than many of its competitors.
• Ample discounts: State Farm offers enough discounts that most drivers can qualify for at least a few. Explore your discount options in our State Farm auto insurance review.
• Savings for young drivers: Federal employees under 25 or policyholders with young drivers will find plenty of ways to keep rates low, including student discounts and the Steer Clear program.

Cons

• Limited online options: Its network of local agents is huge, but policyholders looking to do everything online will likely feel unsatisfied with State Farm.
• Higher rates for some drivers: Most people see affordable rates with State Farm, but drivers with low credit scores should consider another company.
• Add-ons are limited: You can’t purchase certain types of coverage from State Farm, including gap insurance.

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#4 – Progressive: Best for Federal Employees on a Budget

Pros

• Name Your Price tool: Progressive’s Name Your Price tool allows you to say how much you want to spend per month on your insurance. This online tool then generates different plans that meet your budget.
• Low rates: As one of the largest companies in the country, Progressive is famous for its low rates.
• Excellent discount opportunities: One of the ways Progressive offers such low rates is through discounts. Progressive’s discounts include savings for customer loyalty and safe driving.
• Snapshot program: Snapshot is Progressive’s usage-based insurance program, which monitors your driving habits. Safe drivers save an average of $156 per year with Snapshot.

Cons

• Rates can be high for some drivers: Young drivers and people with at-fault accidents typically see much higher rates at Progressive.
• Mixed customer service ratings: Despite having affordable rates, Progressive struggles to get customers to renew their policies. Check our review of Progressive insurance to learn more about its customer service ratings.

#5 – Allstate: Best for Full Coverage Insurance

Pros

• Excellent coverage options: Allstate offers full-service car insurance plans with many options beyond standard coverage. See what add-ons you can add to your policy in our Allstate auto insurance review.
• Claims satisfaction guarantee: Allstate guarantees claims satisfaction — any unsatisfied customer will receive a credit for future premiums.
• Good discount options: To help keep rates down, Allstate offers discounts like multi-policy, multi-car, and having safety equipment installed in your car.

Cons

• High rates: Regardless of discount options, Allstate tends to be one of the priciest car insurance providers.
• Reviews aren’t always positive: Although it receives its fair share of praise, many Allstate customers report poor customer service experiences.

#6 – Farmers Insurance: Best for Safe Drivers

Pros

• Affinity discounts for federal employees: Depending on where you live and where you work, federal employees might be eligible for an affiliation discount from Farmers.
• Extensive network of agents: Farmers’ extensive network of agents means finding personalized help is easy.
• Signal app: Farmers’ Signal app tracks driving behaviors and offers a performance-based discount. Enrolling with Signal can save you up to 15%.
• Safe driving discounts: Other safety discounts from Farmers include remaining claims-free and having safety equipment installed in your vehicle. See other discounts Farmers offers in our review of Farmers auto insurance.
• Solid customer service reviews: Generally speaking, Farmers receives good reviews from its customers.

Cons

• Rates tend to be a bit higher than average: While not the highest on the market, Farmers is rarely the cheapest option for car insurance.
• Online capabilities lacking: Farmers is great for drivers looking to work with an agent, but it’s not the best option if you want a lot of online options to manage your account.
• No new policies in Florida: If you live and work in Florida, you’ll need to find a different company for your auto insurance needs.

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#7 – Liberty Mutual: Best for Diverse Coverage Options

Pros

• Diverse coverage options: Aside from standard coverage options, Liberty Mutual also offers add-ons like better car replacement, accident forgiveness, roadside assistance, and original parts replacement coverage.
• Ample discounts, including one for federal employees: Liberty Mutual offers a long list of discounts, including one specifically for federal employees. However, some discounts might not be available where you live.
• Great digital tools: Liberty Mutual makes it easy to manage your policy online through the website and mobile app. Learn more about managing your policy online in our Liberty Mutual auto insurance review.

Cons

• Rates can be high: Liberty Mutual’s rates are generally competitive — especially for young drivers — but it’s rarely the cheapest option.
• Below average claims satisfaction: While Liberty Mutual receives an average number of complaints, it struggles with its claims satisfaction ratings.

#8 – Nationwide: Best Deductible Options

Pros

• Vanishing deductibles: Nationwide cuts $100 from your deductible for every year you stay accident and claims-free, stacking to a total of $500.
• Good customer service reviews: Customers tend to leave positive reviews regarding Nationwide’s claims experience and customer service.
• Affordable rates for drivers with bad credit: Federal employees with lower credit scores might find the lowest rates with Nationwide. Find out if Nationwide might have affordable rates for you in our Nationwide auto insurance review.
• Good discount selection: Nationwide offers plenty of ways to save, including discounts for taking a defensive driving course or having anti-theft devices in your vehicle.

Cons

• Higher rates for some drivers: Nationwide rates are usually higher than the national average for minimum insurance and for drivers with a DUI.
• Limited local agents: Drivers who want a human touch for their car insurance might struggle to find a local Nationwide agent to work with.

#9 – Travelers: Best Unique Coverage Options

Pros

• Unique coverage options: Aside from the options you’d expect, Travelers also offers identity theft protection, rideshare, and gap insurance.
• Plenty of discounts available: Some popular Travelers discounts include savings for hybrid vehicles, bundling policies, and paying for your policy in full.
• IntelliDrive program: IntelliDrive is Travelers’ usage-based insurance program. Enrolling can save you up to 30% on your insurance, and the app receives excellent user reviews. Learn more about IntelliDrive in our review of Travelers auto insurance.

Cons

• Rates are not the cheapest: Travelers might not be the most expensive car insurance provider, but it’s also usually not the cheapest.
• Customers are often unsatisfied: Travelers scores low in both claims satisfaction ratings and reports on whether a customer would recommend the service.

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#10 – American Family: Best for Discounts

Pros

• KnowYourDrive program: Save up to 30% on your insurance by enrolling in KnowYourDrive and consistently practicing safe driving habits.
• Multiple discount options: American Family offers 18 discounts, including savings for being a loyal customer, driving fewer miles, and signing up for paperless documents.
• Underwrites policies for Costco members: Costco members can save on their insurance by purchasing a policy through the warehouse. Costco policies are written by CONNECT from American Family.

Cons

• Higher rates: While some drivers will see low rates, American Family is not usually the cheapest option. This is particularly true for drivers with bad credit scores.
• Limited availability: American Family sells new policies in just 19 states. See if you live in one of those 19 states in our American Family auto insurance review.

Federal Employee Auto Insurance Costs

Before you explore more about federal employee auto insurance discounts, a good way to decide which company is best for you is to look at average rates. Consider minimum insurance rates from our top 10 companies for federal employees below.

Minimum Coverage Car Insurance Rates for Federal Employees

If you’re looking for more coverage than the minimum amount of insurance your state requires, check out average full coverage rates by company below.

Full Coverage Car Insurance Rates for Federal Employees

While looking at average rates is helpful, you might see much different quotes. Insurance companies look at factors like your location, age, and driving history to craft your quotes. You should always compare quotes with as many companies as possible to find the lowest rates.

Federal Employee Auto Insurance Discounts

If you are a federal employee, there are many companies that will give you a discount. Federal employee auto insurance discounts vary by company and occupation, so make sure to shop around for the very best rates.

Military, federal law enforcement, and government contractors are just a few of the careers that can earn you a discount.

They can also earn multi-policy discounts by combining their auto insurance with other policies, such as a life insurance policy or homeowners policy,  maybe even a boat insurance policy.

Let’s look at who has access to these discounts and which companies offer them.

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Best Auto Insurance Companies for Federal Employees

Which insurance companies sell to federal employees? All of them. You can buy your insurance wherever you like. Of course, not all of them have special federal employee discounts. So how do you know which auto insurance company that caters to federal employees is for you?

There are many types of insurance companies that offer discounts to different types of federal employees. But there is no one company that focuses on this specifically. You just have to shop around, see what’s available to get the best coverage, and find out about the discounts.

AAA Insurance and Geico are two examples of insurance providers that offer a discount to federal workers.

The AAA auto insurance federal employee discount is only available by calling an agent directly, and not with online quotes. Reportedly, AAA only offers the discount one time “on the spot” so you have to take the deduction at that point. You can find out more about AAA by reading our AAA auto insurance review.

What about some of the big names in auto insurance? Currently, there is no State Farm federal employee discount, nor is there a Progressive federal employee discount listed anywhere among the company’s discounts.

Here’s a look at several companies with federal employee discounts and discounted rates for members of the military. If the amount of the discount is available, it is listed.

An “X” shows which companies offer a discount if the rate isn’t listed. It is important to note that not all discounts are available in every state.

Federal Employee Discounts and Military Discounts Available through Major Auto Insurance Companies

You can see that each company offers discounts to military members, but only four companies offer discounts to federal employees. Farmers, Geico, Liberty Mutual, and MetLife offer discounts to both. Learn more about MetLife by reading our MetLife auto insurance review.

Geico Federal Employee Auto Insurance Discount

What about Geico insurance for federal employees? Geico federal government employee discounts are a big part of their history, as well as auto insurance for state employees.

In fact, Geico is actually an acronym that stands for Government Employee Insurance Company.

Geico insurance for government employees is best known because the company originally catered only to government workers, although it’s open to the public now. The company also has a wide range of jobs that it considers to be federal jobs.

Geico insurance agency offers two different types of discounts. You may qualify for the Eagle discount or the Membership discount, but you can’t get both.

Also, these discounts are not available in every state. Be sure to ask your provider if you are eligible to receive either of these discount opportunities and if so, how much is Geico’s federal employee discount?

The Eagle discount is for active and retired federal government employees, GS-7 and above. According to Federal Pay, the GS-7 pay grade is generally the pay grade for entry-level personnel.

The Membership discount is offered if you belong to one of several different professional groups and associations.

You may also run into mentions of other perks to being with Geico, but not all of them apply to the insured. The Geico employee discount at Enterprise, for instance, is only for people who are employed by Geico and not their customers.

Of course, you should look at every aspect of the company before deciding if they are right for you. You’ll want to know about Geico auto claims, for instance. Customer service reviews are also important to consider.

Finally, in regions where Geico is less active, the rates might be higher than average even with your federal employee discount applied. Therefore, it is important to compare rates from multiple different companies. Reading our Geico auto insurance review will give you more information on the company’s policies.

Being a federal employee comes with many benefits. Let’s look at some ways you may qualify for these benefits.

How to Qualify for Auto Insurance for Federal Employees

Every provider will define the limits of occupations that qualify for federal or government employee discounts.

Often, being a healthcare worker, local government official, federal or state worker, or even a teacher may qualify for a federal employee discount. Cheap auto insurance for teachers can be found with companies that prioritize discounts for educators. You can sometimes also get a discount if you are a government contractor.

If you decide to go with Geico, you should ask the representative if your career or job will qualify you for this discount.

There are many other insurance companies that offer various types of discounts. You just have to do a little homework and ask the right questions.

If you are filling out a form online, you may be asked what type of work you do. Be sure to answer this question honestly, and you may be given a chance to get a discount on your insurance near the end of the application process. However, most companies don’t ask for your profession when you get your initial quote.

Being a federal employee can be difficult, but it comes with some perks too. For example, you might be wondering if government employees get discounts on flights? Or how much do federal employees pay for health insurance?

You can search directly for lodging discounts for federal employees with FedRooms, or see if your hotel of choice offers a government rate when booking.

Jobs that are Eligible for a Federal Employee Auto Insurance Discount

Here are some of the major types of federal jobs that may qualify you for special federal employee discounts on your auto insurance:

• Federal law enforcement jobs: There are a variety of different law enforcement jobs available for people wanting to go into federal law enforcement. The types of positions available in this sector include FBI, CIA, or Secret Service jobs, as well as any type of law enforcement on the federal level.
• Healthcare jobs: There are many healthcare positions available to people in the healthcare profession. If you work with the WHO (World Health Organization), AMA, (American Medical Association), or any other type of position, you may qualify for federal employment discounts.
• Civil service jobs: There are a variety of civil service jobs that may qualify for special federal discounts. Some examples are federal engineering jobs, mechanics, welders, or any federal government positions that deal with public service.
• Jobs for the disabled: If you are disabled, you may qualify for special jobs with the federal government that would qualify you for federal discounts on insurance and auto insurance for people with disabilities.
• Military jobs: If you are an active or retired member of the military, you may qualify for special discounts to help you get cheap auto insurance for military and veterans.

Military personnel and their families may qualify for discounts on their auto insurance with certain companies.

Some companies only offer discounts to active duty military, while others offer them to active or retired personnel, like USAA.

Geico is an example of one company that offers discounts to military members.

Many providers also offer additional discounts for military members that have been issued an emergency deployment, as well as discounts to members of certain military groups such as the Armed Forces Benefit Association and the Navy Federal Credit Union.

Read more: Auto Insurance Discount for Navy Federal Members

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Other Types of Auto Insurance Discounts for Federal Employees

Insurance companies look at many different factors to determine your rates, even if you’re a federal employee.

Besides your employment, your personal driving history, credit rating, gender, age, marital status, where you live, and commute time can all impact what you’ll pay for auto insurance.

But wouldn’t it be nice to bring those rates down? Luckily for you, qualifying for discounts on your auto insurance can reduce your rates up to 45 percent.

That is a huge saving and more money in your pocket, and your federal employee discount is just one of the options. Remember, auto insurance discounts can be stacked together.

A few lesser-known discounts you should ask about includes:

• Paying the rate in full
• Paperless billing
• Multi-policy
• Multi-car
• Safety devices like a dashcam
• Loyalty
• Claim-free discounts
• Low-mileage discounts

Remember, each company offers different discounts and discount rates, so it is important to shop around often to make sure you are getting the best coverage at the best price. Despite there being so many auto insurance commericals on TV, not every discount will be advertised by the company, so there might be some available behind the scenes.

This table breaks down some discounts you may be eligible for in more detail. If the amount of the discount is available, it is listed. An “X” shows which companies offer a discount if the rate isn’t listed.

Federal Employee Auto Insurance Discounts by Provider

Read more: Ameriprise Auto Insurance Discounts for Members

It’s important to note that not all discounts are available in every state, so never hesitate to ask an agent for more information.

As you can see from the table above, there are many good student discounts available for insurance policyholders. The general view on this is that you maintain a “B” average or better. But check with various insurance companies when you inquire.

If you only drive your vehicle for a limited number of miles each year, you may qualify for a low mileage discount. This applies for both military and civilian drivers.

Safe driving discounts are often offered to drivers with a good driving record. This will vary according to your state, but your state insurance department can help with information on this. (Learn More: Best Auto Insurance for Good Drivers)

Some companies offer discounts to senior citizens, but some companies may look into your driving record before allowing you to qualify. Read more about how auto insurance companies check driving records so you can be prepared.

In the table below, check out a few more auto insurance discounts that exist out there. Take note of what you believe you are eligible for so you can ask about them while you comparison shop.

Auto Insurance Discount Options by Provider

As a federal employee, stacking these additional discounts with your government employee discount can help you save a tremendous amount of money. An agent will be able to tell you what discounts you qualify for.

As always, shopping around and comparing quotes from multiple different companies can help you find your best savings since different companies offer different discounts.

Comparing Auto Insurance Discounts and Auto Insurance Companies for Federal Employees

It’s important to shop around and compare rates from multiple different auto insurance providers because you never know what type of special federal employee discount you may qualify for unless you apply.

It is also helpful to talk to the agents of various companies and ask the right questions. Find auto insurance agents in your area by researching online with insurance comparison sites.

You should tell them as much as you think is needed about your job and lifestyle to see what you qualify for, but don’t be afraid to ask about specific discounts, especially if you are a federal employee.

Even state employees and local public service jobs may qualify you for auto insurance discounts, along with the other various qualification factors we mentioned earlier.

The important thing is that you get the best coverage for your situation and that you get the best deal on auto insurance for your money.

Types of Auto Insurance Coverage for Federal Employees

Auto insurance laws vary by state. Therefore, the legal minimum limits you’re required to carry, as well as your federal employee auto insurance rates, will change based on where you live.

However, in most states, the following types of coverage are required:

• Bodily injury liability (per person): There are certain amounts in each state designated as the minimum that you must carry for bodily injury liability. You may also want to research any legal questions you have about the liabilities involved in car accidents.
• Bodily injury liability (per accident): You should know the state requirements for bodily injury liability coverage that includes all of the people in the accident. Knowing the total coverage is just as important as the coverage per person.
• Property damage liability: This type of coverage covers damages to property sustained in an accident for which you are responsible. If you feel this is not sufficient, you may want to add personal injury protection.

Remember, liability auto insurance will cover damages to the other driver for an accident you are found at fault for. If you want your provider to cover your vehicle in other ways, you’ll need to invest in fuller coverage auto insurance. This is a good choice for many federal employees.

Auto insurance coverage can be confusing. There are many different options to choose from. Insurance is not a one-size-fits-all industry, but that means you can customize it to fit your specific needs.

We’ll help you better understand what the different policy types are and what they cover throughout the rest of this article.

Optional coverage types include:

• Personal injury protection
• Medical coverage
• Uninsured/Underinsured
• Collision
• Comprehensive

First, let’s look at how personal injury protection (PIP) coverage is different from medical coverage (MedPay).

PIP offers you help to pay medical bills for you and your passengers listed on the policy. It also will help with other losses after an accident, like lost wages from not being able to work.

On the other hand, MedPay will only cover medical bills. Usually, you do not need to carry both. Most drivers pick one or the other, so pick the one that makes the most sense for you.

You may also consider adding uninsured or underinsured coverage. According to the Insurance Information Institute, 13 percent of drivers in America are uninsured, and these are the only policies that will protect you if you get hit by an uninsured driver.

Uninsured and underinsured coverages are just like the names imply. Uninsured coverage steps in if the other driver is at-fault and does not carry auto insurance.

Underinsured coverage comes into play if the other driver does not have adequate insurance to cover all damages or medical bills.

Lastly, let’s look at collision and comprehensive coverages. These are the two most popular additional coverage options.

Collision coverage is just like it sounds. It will cover damages to your vehicle while it is in motion, even if you are in an at-fault accident. If you hit a tree or telephone pole, for example, your collision insurance will cover you. There is a deductible associated with this type of policy.

Comprehensive insurance will cover damages to your vehicle while it is not in motion. Examples are weather-related damage, fire or flood damage, windshield damage, theft, and vandalism. There is also a deductible associated with this type of policy.

Collision and comprehensive coverages are generally a good idea so that you don’t have to pay out of pocket for damages to your vehicle.

The above types of coverage are usually optional. But some states want you to carry PIP or uninsured motorist coverage as well, in case the person who hits you is not insured. Know the rules in your state before proceeding.

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The Bottom Line on Auto Insurance for Federal Employees

When it comes to auto insurance for federal employees, you always want to weigh the risk with the rate. Rates are going to cost you a certain amount each month. But what you get back is the assurance that you will be taken care of in the event of an accident.

Think about what it could cost you if you do not have the right insurance policy.

You are now an expert on finding affordable auto insurance for federal employees. While government employee discounts exist, you’ll save even more by looking into the dozens of other options we mentioned above.

Knowing the level of coverage you desire ahead of time will also make comparison shopping for your best rates even easier. Refer back to our guide as much as you need.

Enter your ZIP code into our free insurance quote comparison tool below to receive auto insurance quotes for federal employees from reputable providers near you so you can easily buy federal employee auto insurance online.

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