Best Auto Insurance for Federal Employees in 2025 (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

Enter your ZIP code above to compare quotes and find companies offering the best auto insurance for federal employees.

Average Auto Insurance Costs for Federal Employees

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.

Federal Employee Auto Insurance Monthly Rates by Coverage Level

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.

Auto Insurance Discounts For Federal Employee

If you are a federal employee, there are many companies that will give you a discount. Check our list below to see which companies offer discounts and find out how much you could save.

Auto Insurance Available Discounts From the Top Providers for Federal Employee and Military

Military, federal law enforcement, and government contractors are just a few of the careers that can earn you a discount. Let’s look at who else has access to these discounts.

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

Other Auto Insurance Discounts Available to 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:

• Pay-in-full discounts
• Paperless billing discounts
• Multi-policy discounts
• Multi-vehicle discounts
• Safety devices discounts, like a dashcam or anti-theft device
• Loyalty discounts
• Safe driver discounts
• Low-mileage discounts
• Defensive Driving Course discounts

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 commercials 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 and how much you could save with each company.

Federal Employee Auto Insurance Discounts by Provider

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

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.

Compare Quotes for Maximum Savings

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.

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.