Auto Insurance for State Employees

While some companies offer discounts on car insurance for state employees, there are many other ways to save.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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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 Daniel Walker

UPDATED: May 12, 2022

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It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page 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 auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Things to remember...

  • Several companies offer discounts for state employees, including elected officials and department employees
  • State employees typically pay the same as the national average rate for insurance
  • There are multiple ways to save money on your insurance if your company doesn’t offer a state employee discount

With prices rising everywhere, finding ways to save is more important than ever. Luckily for state employees, there are plenty of discounts available to help them save money.

One discount that you might find particularly useful -on your auto insurance is a state employee discount. Getting the right car insurance is integral for state employees, especially since failing to follow state law can actually cost their jobs.

Finding affordable car insurance quotes doesn’t have to be complicated. You can save money on your insurance by buying only what you need and taking advantage of auto insurance discounts for state employees.

Below, you can learn more about car insurance for state employees. Once you know what insurance would suit you best, compare rates with as many companies as possible to find the best quotes.

How much is auto insurance for state employees?

Although state employees can find a discount from several companies, insurance rates are hard to predict because they depend on many factors.

On average, drivers pay $1,123 for full coverage insurance.

While your choice of career is often a factor in the price of your insurance, it’s not the only thing that companies look at. Every company looks at different factors, but the following are some of the most common:

  • Age and gender
  • ZIP code
  • Credit score
  • Driving history
  • Make and model of your vehicle
  • Marital status

This complicated mix of factors is why looking at average rates will only take you so far. It also emphasizes the importance of comparing prices — one company might give you better prices than another.

However, looking at the average price of insurance isn’t without merit. Knowing which companies tend to offer the lowest rates gives you a great place to start in your search. You can look at the average monthly rates for some of the biggest companies below.

CompanyMinimum CoverageComprehensive Coverage
USAA $396$1,238
GEICO$370$1,233
State Farm$473$1,381
Travelers$455$1,426
Farmers$639$1,745
Allstate$648$1,994
Progressive$625$1,739
Nationwide$545$1,332
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Although USAA offers some of the cheapest insurance rates, not everyone is eligible for coverage. USAA sells exclusively to active or retired military and their families.

Why do state employees get discounts on car insurance?

The term “state employee” refers to any of the 19 million people employed by a state organization. That includes state, county, charter, and urban-county government officials. Some state employees are elected to office, while various departments employ others. 

Being a state employee usually comes with some great perks. It depends on the state and job, but state employees usually qualify for more affordable health insurance, reliable retirement plans, and discounts for a variety of services, including insurance.

Insurance companies keep careful track of who makes claims, which is how they know the statistical likelihood of different groups. .

Insurance companies want to insure drivers that don’t make claims. So to lure them in, they offer a discount. Looking at what discounts a company offers is an integral part of shopping for insurance quotes for that reason — you want to find the company that gives you the most discounts on car insurance for state employees.

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Are there other ways to save on car insurance?

Besides relying on a state employee discount, there are many ways to save money on your car insurance. From other discounts to telematics, you can find options to explore below.

  • Take advantage of other discounts. Most companies offer many discounts, with the most popular options being safe driver, anti-theft device, good student, and paid-in-full.
  • Compare quotes. You have a lot of choices when it comes to car insurance, so you don’t need to settle for the first quote you get. Instead, aim to get quotes from national and local companies.
  • Use telematics. Many companies now offer telematics to track your driving habits. Discounts vary, but you might see savings between 10% and 40%.
  • Bundle your policies. You can save money if you choose to buy multiple policies from the same company. The most common bundling combinations are home and auto.
  • Find other occupational discounts. A company might not offer state employee discounts, but they might have something else that applies to you. Some common occupational discounts include police, nurses, firefighters, and doctors.
  • Choose your coverage carefully. Adding everything to your policy might feel tempting with all the products on the market. However, choosing your insurance coverage frugally can keep your costs down.

There are a lot of factors to consider when it comes to choosing the right auto insurance. You can find the perfect insurance policy with a few easy steps.

How do you choose the right car insurance?

You can find the perfect insurance by following a few simple steps. Most you can do by yourself by looking at customer reviews and using online comparison tools. 

Determine How Much Insurance You Need

While full coverage protects your car from most damage, not everyone needs it. Consider the following types of insurance to help you determine what you need:

  • Liability. Liability covers damage you cause to other people and their property. Most states require a minimum amount of liability coverage before you can legally drive.
  • Comprehensive. For damage not caused by a collision, there’s comprehensive. This insurance covers damage from weather, vandalism, animal contact, and theft.
  • Collision. From multi-car accidents to driving into a tree, collision insurance will help repair your car after an accident, no matter who caused it.
  • Uninsured/underinsured motorist. Required in 14 states, uninsured motorist insurance protects you from drivers without enough coverage.
  • Personal injury protection (PIP). PIP coverage will help pay for your medical expenses after an accident, including hospital bills, physical therapy, and lost wages.

These five insurance products are primary coverage options, but there are several add-ons you can buy as well. 

Everyone needs at least the minimum amount of liability to meet legal requirements (except in New Hampshire). People who don’t own their car outright or have a valuable vehicle should have full coverage.

Compare Car Insurance Quotes

You can use free comparison tools to see what quotes will look like for your unique circumstances. Remember, the cheapest insurance isn’t necessarily the best — affordable auto insurance rates should be used as a starting point only.

After you have an idea of insurance companies that might interest you, you can look at their financial health. Rating companies like A.M. Best, J.D. Power, and the Better Business Bureau keep careful track of reviews, complaints, and financial strength of insurance providers.

Ideally, you should look for a company with a strong financial presence and satisfied customers.

Ask About Discounts

After you narrow down your choices, the last step you should take before signing paperwork is to ask about discounts.

You’ll need to speak with an agent at this point, but they will comb through your details and find you every discount you’re eligible for. Your insurance agent will be able to tell you the price of your policy before you agree to it.

Find the Best Car Insurance Rates for State Employees

State employees perform valuable services in their communities, and discounted car insurance prices are among the many perks they enjoy for their work. From GEICO to Progressive and most other major companies, you can find an insurance policy that celebrates your position as a state employee.

You can buy car insurance for state employees from a variety of companies, but you should compare quotes to find the best price possible before you sign up.

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Enter your ZIP code below to view companies that have cheap auto insurance rates.

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