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 ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Oct 29, 2020

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Things to remember...

  • Some insurance companies give priority to state employees or special discounts related to their job status.
  • Group insurance rates are sometimes available but are often not transferable.
  • Compare companies to evaluate their financial strengths.

When looking for auto insurance for state employees, you’ve may be driven to think, are affordable auto insurance quotes available anymore? You should know that there are many companies that take into account the industry in which you work and sometimes offer special rates based on that information.

Some companies also specialize in providing auto insurance for state employees and use this as one of their main qualifying factors for insurance.

In this post, we’ll take a look at some of the companies that offer auto insurance for a state employee and give you some tips about finding coverage that suits your needs. If you want to start comparing auto insurance rate for state employees now, can get a quote using our free tool.

Table of Contents

Companies Specializing in Auto Insurance for State Employees

While you have a lot of options when it comes to buying car insurance, there are only a few companies that specialize in government employee car insurance.

If you’re looking to save money while working for your state, you’ll want to check with these providers to see what kind of discounts you can get on your coverage.

Whether you’re working for New York or California or looking for auto insurance for SC  state employees or auto insurance for state of Florida employees, auto insurance discounts for state employees are there for you to take advantage of.

Geico

Founded in 1938 by the Goodwin family, Geico made a home for itself in Washington, D.C. The company was established for the purpose of providing insurance for military and government workers and was originally called “Government Employees Insurance Company.”

It wasn’t until later the 1970s that Geico broadened their availability to the wider public. So, does Geico give discounts to state employees?

The company has long held teachers, civil servants, and local and state representatives in high esteem, offering them rates that keep their positions and contributions in mind.

Of course, today, Geico’s policies are available to anyone, and their coverage is the cheapest when compared to the other large auto insurance providers operating in the United States. But that’s not Geico’s only selling point.

The company has long enjoyed high ratings from S&P, A.M. Best, and other financial and customer-service oriented assessors.

Looking to get in touch with a Geico representative? The company makes it easy for you to find out how much your car insurance might cost if you purchase one of its policies, or to talk directly to an agent. You can reach a Geico representative via email, snail mail, or through the Geico mobile app.

Do note that the discount you’ll receive through Geico as a state employee will vary based on your state of operation and other personal factors.

Not every discount will be the same, but it’s definitely worth looking into how much you might be able to save with a Geico state employee discount. Geico also offers federal employee discounts, which makes them among the best auto insurance for postal workers and other federal employees.

Check out our Geico auto insurance review for a fuller look at the company.

MetLife

MetLife is a sound insurance company carrying all types of insurance. They are located in New York and service thousands of customers each year. MetLife offers a number of car insurance discounts you may be eligible for, including the following:

  • Completing a defensive driving course
  • Good student discount
  • Multi-policy discounts

Some state employers purchase MetLife’s group insurance for their employee benefits program.

As is the case with the other providers on this list, note that the discount available to state employees will vary based on your state and other personal factors.

Check out our MetLife auto insurance review for a full look at the company.

Liberty Mutual

Liberty Mutual found its footing as an insurance provider in 1912. The Boston-based company provides state employees, homeowners, and drivers in all states with the coverage they need to stay safe while on the road.

Liberty Mutual has ranked 75th on the Fortune 100 list of successful corporations for a long while, suggesting that it’s able to provide drivers with quality support.

This video by Liberty Mutual discusses how your driving record affects your pricing, and this holds true for all insurers.

Liberty Mutual offers special discounts for government or civil service jobs, but they also aim to provide drivers with several auto insurance coverage options to choose from. These include:

  • Bodily Injury Liability
  • Property Damage Liability
  • Med Pay
  • Accident Forgiveness
  • Better Car Replacement
  • Comprehensive Coverage
  • Collision
  • Lifetime Repair Guarantee
  • New Car Replacement
  • Original Parts Replacement
  • Rental Car Coverage
  • Towing and Labor
  • Uninsured Motorist Coverage

If you’re looking to get in touch with a Liberty Mutual representative, you can reach out via any of the following methods:

  • By phone, calling 1-844-825-2467
  • By mobile app, available for Android and iPhone
  • Through an online claim form

As is the case with the other providers on this list, discounts available to state employees will vary based on your state and other personal factors. You may also want to ask about a Liberty Mutual federal employee discount as these discounts may be one and the same in the fine print.

Check out our Liberty Mutual auto insurance review for more information.

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State Farm

State Farm was founded in 1922 and currently offers five lines of insurance and discounts for some state employees. They also offer safe driver, good student, and bundling discounts, among others.

They even carry classic auto insurance for your vintage or collectible car. How can I get a State Farm federal employee discount?

As is the case with the other providers on this list, note that your State Farm federal employee discount will vary based on your state and other personal factors.

You can read our State Farm auto insurance review to learn more.

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How to Compare Insurance Companies

How do you decide which insurer is best for you when there are so many choices? One way is to look at a company’s overall financial situation, which can be measured and analyzed in a couple of different ways.

In the table below, you can see the top 10 insurance companies along with some information about their finances.

Top 10 Auto Insurance Companies by Market Share
CompaniesAM Best RatingDirect Premiums WrittenMarket ShareLoss Ratio
State FarmA++ (Superior)$41.9 bn17.01%63%
GeicoA++ (Superior)$33.1 bn13.41%71%
ProgressiveA+ (Superior)$27.1 bn10.97%62%
AllstateA+ (Superior)$22.7 bn9.19%56%
USAA (Military Personnel & Family Members)A++ (Superior)$14.5 bn5.87%77%
Liberty MutualA (Excellent)$11.8 bn4.77%62%
FarmersA (Excellent)$10.5 bn4.26%61%
NationwideA+ (Superior)$6.7 bn2.73%58%
American FamilyA (Excellent)$4.7 bn1.90%69%
TravelersA++ (Superior)$4.7 bn1.90%60%
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So, what are we looking at here? First off, A.M. Best rates companies based on their financial strength using a letter scale that ranges from A++ to D.

This video explains a little bit more about A.M. Best Ratings.

A company’s loss ratios are really important.

Loss ratios show the relationship between how much an insurer is earning in premiums versus how much it’s paying out in claims.

The ideal range for loss ratios is between 45 and 75 percent. Anything below that means the company isn’t paying enough claims, and numbers above 75 percent indicate the company is paying out too much. If you see a loss ratio over 100, it probably means a rate increase is on the way.

You’ve probably heard of market shares before. This is simply the overall percentage of the business that is controlled by a particular company. In the table, for example, you can see that Geico has the largest market share at 13.41 percent. That means its policyholders represent 13.41 percent of the total auto insurance customer base.

Another way to compare insurers is to learn different ways to get discounts for auto insurance. Check the discounts each company offers.

If you’re a state employee looking for a company that offers discounts to this demographic, consider getting in touch with a representative from one (or all) of the companies we’ve listed above.

The list we’ve provided, however, is by no means comprehensive. There are many other companies that provide state employees with reasonable rates.

If you’re considering a company we haven’t mentioned, or if you have an existing policy with another company, it’s worth reaching out and asking if they offer any discounts to state employees.

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Should you opt for a group insurance plan?

One question many people have when shopping for car insurance is whether they should go with a group insurance plan like CALCSEA’s auto insurance for auto and home in California, which also provides a list for other discounts for their employees.

Group insurance is a type of insurance that may be offered by your employer as part of your benefits plan.

Is there auto insurance for California state employees? California’s Department of Human Resources provides a list of all discounts their employers qualify for, and other states provide similar information. The perks for state employees are nothing to laugh at.

While this is often a way to obtain cheaper insurance due to group rates, it’s often not transferable if you change your employment status or move to another job.

Portability in insurance allows the holder of the policy to take it with them if they leave their place of employment. Not all insurance policies have this option, so be sure to ask a representative if your policy is portable before you decide to sign up for a group insurance plan.

Whether you’re a state employee or not, you usually have the option of signing up for a group insurance plan or finding your own private insurance company.

Private insurers offer more options to individuals and allow you to take your insurance with you should you decide to leave your job, but group insurance is tied to your place of employment and is rarely transferable to another job.

Individual insurance plans are more expensive because insurance companies make less of a profit on signing up individuals compared to large groups. Since they make more money from the group plans, they generally offer reduced or discounted rates on these.

Group insurance rates are usually offered for life or health insurance. Keep in mind that group insurance rates for car insurance are rare. Again, you should ask about this when you speak to an agent from the insurance company.

Should you stick with the basics when buying auto insurance?

First, let’s take a look at average insurance rates across the country.

Average Annual Auto Insurance Rates by Coverage Type
Type of CoveragesAverage Annual Rates
Liability$516.39
Collision$299.73
Comprehensive$138.87
Full Coverage$954.99
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Rates can vary wildly based upon a number of factors, one of which is definitely your location.

Each state has its own liability insurance coverage requirements.

Liability Auto Insurance Requirements by State
StateInsurance required Minimum liability limits
ALBI & PD Liab25/50/25
AKBI & PD Liab50/100/25
AZBI & PD Liab15/30/10
ARBI & PD Liab, PIP25/50/25
CABI & PD Liab15/30/5
COBI & PD Liab25/50/15
CTBI & PD Liab, UM, UIM25/50/20
DEBI & PD Liab, PIP25/50/10
DCBI & PD Liab, UM25/50/10
FLPD Liab, PIP10/20/10
GABI & PD Liab25/50/25
HIBI & PD Liab, PIP20/40/10
IDBI & PD Liab25/50/15
ILBI & PD Liab, UM, UIM25/50/20
INBI & PD Liab25/50/25
IABI & PD Liab20/40/15
KSBI & PD Liab, PIP25/50/25
KYBI & PD Liab, PIP, UM, UIM25/50/25
LABI & PD Liab15/30/25
MEBI & PD Liab, UM, UIM, Medpay50/100/25
MDBI & PD Liab, PIP, UM, UIM30/60/15
MABI & PD Liab, PIP20/40/5
MIBI & PD Liab, PIP20/40/10
MNBI & PD Liab, PIP, UM, UIM30/60/10
MSBI & PD Liab25/50/25
MOBI & PD Liab, UM25/50/25
MTBI & PD Liab25/50/20
NEBI & PD Liab, UM, UIM25/50/25
NVBI & PD Liab25/50/20
NHFR only25/50/25
NJBI & PD Liab, PIP, UM, UIM15/30/5
NMBI & PD Liab25/50/10
NYBI & PD Liab, PIP, UM, UIM25/50/10
NCBI & PD Liab, UM, UIM30/60/25
NDBI & PD Liab, PIP, UM, UIM25/50/25
OHBI & PD Liab25/50/25
OKBI & PD Liab25/50/25
ORBI & PD Liab, PIP, UM, UIM25/50/20
PABI & PD Liab, PIP15/30/5
RIBI & PD Liab25/50/25
SCBI & PD Liab, UM, UIM25/50/25
SDBI & PD Liab, UM, UIM25/50/25
TNBI & PD Liab25/50/15
TXBI & PD Liab, PIP30/60/25
UTBI & PD Liab, PIP25/65/15
VTBI & PD Liab, UM, UIM25/50/10
VABI & PD Liab, UM, UIM25/50/20
WABI & PD Liab25/50/10
WVBI & PD Liab, UM, UIM25/50/25
WIBI & PD Liab, UM, Medpay25/50/10
WYBI & PD Liab25/50/20
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Liability auto insurance is there to cover damages to the other driver in the event that you are found at fault for an accident. Check out this video to learn a little bit more about liability auto insurance.

When you’re shopping around for car insurance, one question that comes up is whether you should just stick to the basics, i.e., the coverage required in your state, or spring for some of the optional coverages.

As you can see below, your options are many — but some may be better for you than others:

Benefits of Comprehensive and Collision Auto Insurance Coverage
Coverage TypeBenefits
ComprehensiveIf you want your insurance to cover damage done to your vehicle as a result of theft, fire, flood, hail, or other natural events, you will need comprehensive coverage.
CollisionLiability insurance will cover damage done to the other person's vehicle after an accident; collision covers damage to your car.
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The difference between comprehensive and collision coverage lies in the cause of the damage. Both pay for damage done to your vehicle, and if you opt to get both of these, you’ll be protected from all sorts of potential scenarios.

Benefits of Personal Injury Protection and Medical Auto Insurance Coverage
Coverage TypeBenefits
Personal Injury ProtectionPIP coverage is consider an addition to your liability coverage and will help you cover any out-of-pocket expenses your basic liability plan doesn't cover.
Medical CoverageMedical coverage will cover stays in the hospital due to an accident, some medical tests and procedures, and other expenses. Be careful not to get duplicate coverage, though, as insurance can only pay once for specific procedures per event.
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Research the average cost difference between affordable full coverage auto insurance and minimum coverage. If you can afford it, it’s best to have full coverage if you have a newer vehicle, and it’s probably required if you’re leasing it.

MedPay coverage might be an especially good idea if you don’t have a quality health insurance plan, as it is how you get auto insurance to pay for medical bills. Finding out what companies offer cheap PIP auto insurance will also help you with your medical expenses and may also pay for other things as well, such as lost wages.

To avoid any catastrophes that might happen if you collide with someone driving without insurance, you also want to make sure you have uninsured motorist coverage, as about 13 percent of U.S drivers are uninsured according to NAIC data.

There are also numerous add-ons you can consider including in your policy. Find out if your auto insurance includes roadway assistance, which you can learn more about in the video below:

Consider all of these things before purchasing a policy, and ask for advice from an online agent. Know your legal rights and choose your auto insurance policy wisely. If you’re a state employee, be sure to ask about state employee insurance plans and discounts.

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What does it mean to be a state employee?

“State employee” just refers to any person who is regularly employed by a part of the state, county, charter, or urban-county government, such as an elected public official or person employed by any department. Let’s look at what is considered a state employee and what perks are available.

Do state employees get free health insurance? It varies by state, but there is generally a portion that is employee-paid.

Do state employees get discounts? Some insurers do give discounts if you’re employed by the government, including the following:

  • Farmers
  • Geico
  • Liberty Mutual
  • MetLife

What benefits do state employees receive? It may vary by company, so look around. There are other companies that may offer something else, too, such as the AAA auto insurance federal employee discount.

Amounts vary, but it helps to check around for state employee discounts and check with your state employee association. Your state employee association can also provide details on other things you can get a discount for, such as computers and travel.

Ready to find buy auto insurance for state employees? You can compare auto insurance rates for state employees from different companies now by entering your ZIP code below.

Which auto insurance company for state employees is for you? Find out now.