Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that exis...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Apr 28, 2020

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Things to Remember...

  • Government employees and can get special discounts on their car insurance
  • Both federal and state employees may qualify for discounts, depending on the company
  • Geico has specialized in government employee discounts since it was founded, in fact, the company originally specialized in car insurance for government employees

Did you know your job can help you save money on auto insurance? Does auto insurance for federal employees differ in any way from the norm? Are there companies that specifically offer government employee car insurance? If you are a federal employee, you may have discounts available to you that you don’t even know about.

Working for the government can be time-consuming and stressful. You certainly don’t want to spend your downtime wading through federal employee rate comparison and car insurance discounts. So we’ve done it for you.

Most auto insurance companies will ask you about your employment when you sign up for a quote. Government employees are one of the most common jobs to qualify for lower insurance rates.

Ready to compare auto insurance for federal employees? Compare auto insurance companies today to see how much you could be saving as a federal employee.

Can federal employees get auto insurance discounts?

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

There are many different kinds of discounts that you may qualify for. Some discounts are based on your driving ability, how many policies you need, or your job.

If you work in a federal government position, you may be eligible for exclusive discounts due to your status as a federal employee. Military, federal law enforcement, and government contractors are just a few of the careers that can earn you a discount.

Generally, government employees are not considered risky drivers, so auto insurance companies are more likely to offer a discount.

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

Who qualifies for a federal employee discount?

Here are some of the major types of federal jobs that may qualify you for special discounts with your auto insurance.

  • 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 health care 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.
  • Military jobs — If you are an active or retired member of the military, you may qualify for special discounts.

This video dives deeper into what discounts are out there for military personnel and their families. This information will help you get the best deal out there.

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 it to active or retired personnel.

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

If you are a member of the military, make sure you are taking advantage of these discounts.

Which insurance companies offer government employee discounts?

Which insurance company sells 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.

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 and 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.

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Geico Insurance for Federal Employees

Is Geico cheaper for government employees? Geico federal employee discounts are a big part of their history, as well as auto insurance for state employees. The company started out providing insurance solely for government employees, although it’s open to the public now. They have a wide range of jobs that they consider federal jobs. Is Geico cheaper for government employees?
Geico offers two different types of discounts. You may qualify for the Eagle discount or the Membership discount, but you can’t get both. Also, discounts are not available in every state.

The Eagle discount is for active and retired federal government employees, GS-7 and above. The GS-7 paygrade is generally the paygrade for entry-level personnel. The Membership discount is offered if you belong to one of several different professional groups and associations.

Check with your agent to see if you can qualify for these discounts. 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 Government Employees Insurance Company (Geico) auto claims, for instance. Reading a Geico auto insurance review can tell you everything you need to know.

More Companies with Government Employee Discounts

What about some of the other 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 in their discounts based on being a federal employee or 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.

Companies that offer Military and Federal Auto Insurance Discounts
DiscountsAllstateEsuranceFarmersGeicoLiberty MutualMetLifeSafe AutoSafecoState FarmThe GeneralUSAA  
Federal Employeex810x
Militaryx25x1541525xxxx
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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 Met Life, offer discounts to both.

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

Jobs That May Qualify You For Government Employee Discounts

Being a health care worker, local government official, federal or state worker, or a teacher may qualify for a discount. You can 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.

As noted above, Geico used to be known as the “government employees’ insurance” company, but they have expanded over the past few years to include any job and are available to everyone. Even self-employed entrepreneurs can have insurance with Geico, and there are several discounts available for qualifying members.

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.

Being a federal employee can be difficult, but it comes with some perks too. Do government employees get discounts on flights? How much do federal employees pay for health insurance? This video explains some other benefits of being a federal employee, in addition to auto insurance.

You will find there are a lot of perks to your job you may not have known about. A big one is discounts on hotels. 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.

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Other Types of Auto Insurance Discounts for State Employees and Federal

Insurance companies look at many different factors to determine your rates. Just a few are driving history, credit rating, gender, age, marital status, where you live, and commute time.

Wouldn’t it be nice to bring those rates down? 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. Your federal employee discount is just one of the options.

A few lesser-known discounts you need to ask about are:

  • Paying the rate in full
  • Paperless billing
  • Multi-policy
  • Multi-car
  • Safety devices like a dashcam
  • Loyalty

Remember, each company offers different discounts and different discount rates, so it is important to shop around often to make sure you are getting the best coverage at the best rate.

In addition to federal discounts, you may also be eligible for other discounts. It’s important to know what discounts you qualify for so that you can accurately compare companies.

This table breaks down some discounts you may be eligible for. 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.

Auto Insurance Discounts Available to Students and Safe Drivers
Discounts21st CenturyAAAAllstateAmerican FamilyAmeripriseAmicaCountry FinancialEsuranceFarmersGeicoLiberty MutualMetLifeNationwideProgressiveSafe AutoSafecoState FarmThe GeneralThe HanoverThe HartfordTravelersUSAA
Good Studentxx20xx102510x1522.51510x10152585383
Low Mileagexx10x15xxxxxx2030xxxxx
Safe Driverxx45xx1540x15123531102015xx2312
Senior Driverx10x1055xx
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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 may include 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. Your state insurance department can help with information on this. This National Association of Insurance Commissioners (NAIC) the state map to find out where your state stands on this.

If you drive safely, are involved in some sort of public service, or do something else that makes you a model citizen, you might qualify for this discount. Some companies offer discounts to seniors, but this may also be considered along with their driving record or other factors.

There are multiple insurance discounts out there, if you know to ask for them.

Auto Insurance Discounts Offered by Major Insurers
CompanyFederal Employee DiscountFull Payment DiscountMarried DiscountMilitary DiscountMulti-policy DiscountMulti-car DiscountPaperless/Auto Billing DiscountSafe Driver DiscountSource
EsurancexxxxxxxEsurance
FarmersxxxxxxxFarmers
GeicoxxxxxxGeico
Liberty MutualxxxxxxxLiberty Mutual
MetLifexxxxxxxMetLife
Safe AutoxxxxxxSafe Auto
SafecoxxxxxxxSafeco
State FarmxxxxxxState Farm
The GeneralxxxxxxxThe General
USAAxxxxxxUSAA
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Your agent will be able to tell you what discounts you qualify for. Shopping around can save you money since different companies offer different discounts.

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The Importance of Comparing Insurance Discounts and Companies

It’s important to shop around and compare because you never know what type of 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.

You should tell them as much as you think is needed to see if you qualify, but don’t forget to ask about 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

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.

Auto insurance coverage can be confusing.

Optional coverage types include:

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

Let’s look at how personal injury protection (PIP) is different from medical coverage.

CoverageDefinition
Personal Injury Protection (PIP)Covers medical bills and other losses like lost wages
MedPayCovers medical bills of you and your passengers on the policy
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Personal Injury Protection and Medical Payment Auto Insurance

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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. Medpay will only cover medical bills. You would not want to carry both, so pick the one that makes the most sense for you.

You may also consider adding uninsured or underinsured coverage.

Uninsured and Underinsured Auto Insurance
CoverageDefinition
UninsuredCovers damages if you are in an accident and the at-fault driver doesn't have insurance
UnderinsuredCovers damages and medical bills that are over the at-fault driver's insurance limits
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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.

Collision and Comprehensive Auto Insurance
CoverageDefinition
CollisionCovers damages to your vehicle from an accident
ComprehensiveCovers damages to your vehicle not from an accident like hail
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Collision coverage is also just like it sounds. It will cover damages to your vehicle if you are at-fault in an accident. Comprehensive will cover damages to your vehicle that do not stem from an accident. Examples are hail, fire, flood, windshield damage, theft, and vandalism. These 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.

When it comes to auto insurance, you always want to weigh the risk with the premium. Premiums 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 insurance — insurance is there to protect you from financial disaster.

See what federal employee discounts different auto insurance companies will offer to you. Enter your ZIP code to compare auto insurance quotes today!