Best Auto Insurance for Federal Employees in 2025 (Top 10 Companies Ranked)
The best auto insurance for federal employees comes from Geico, USAA, and State Farm because of their affordable rates and special discounts. Federal employee auto insurance discounts of up to 12% can help you save, and most companies offer additional discounts to keep your prices as low as possible.
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Justin Wright has been a licensed insurance broker for over 9 years. After graduating from Southeastern Seminary with a Masters in Philosophy, Justin started his career as a professor, teaching Philosophy and Ethics. Later, Justin obtained both his Property & Casualty license and his Life and Health license and began working for State Farm and Allstate. In 2020, Justin began working as an i...
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UPDATED: Jun 3, 2025
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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.
UPDATED: Jun 3, 2025
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.
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19,116 reviewsCompany Facts
Avg. Monthly Rate for Federal Employees
A.M. Best
Complaint Level
Pros & Cons
19,116 reviews
6,589 reviewsCompany Facts
Avg. Monthly Rate for Federal Employees
A.M. Best
Complaint Level
Pros & Cons
6,589 reviews
18,155 reviewsCompany Facts
Avg. Monthly Rate for Federal Employees
A.M. Best
Complaint Level
Pros & Cons
18,155 reviewsGeico, 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
| Company | Rank | Number of Discounts | Usage-Based Discount | Best For |
|---|---|---|---|---|
 | #1 | 16 | 25% | Federal Discounts |
 | #2 | 14 | 30% | Military Members |
 | #3 | 13 | 30% | Personalized Policies |
 | #4 | 13 | 30% | Tight Budgets |
 | #5 | 12 | 40% | Full Coverage |
 | #6 | 23 | 15% | Safe Drivers |
 | #7 | 17 | 30% | Coverage Options |
 | #8 | 11 | 40% | Deductible Options |
 | #9 | 15 | 20% | Unique Coverage |
 | #10 | 18 | 20% | Discount Availability |
Enter your ZIP code above to compare quotes and find companies offering the best auto insurance for federal employees.
- Several companies offer federal employee auto insurance discounts
- Federal employees should look for additional discounts and low average rates
- Get the best auto insurance for federal employees from Geico and USAA
19,116 reviews
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Geico
Avg. Monthly Rate Federal Employee
$80A.M. Best:
A++Complaint Level:
LowPros
- Federal employee discounts: Geico is well-known for its exclusive federal employee discounts
- Low rates: Geico is often one of the cheapest insurance providers on the market
- Other discounts: Geico offers plenty of opportunities to save
- 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 the customer service reviews are mixed
- Few local options: Finding a local Geico agent to work with can be difficult in some parts of the country
- High rates for some drivers: High-risk drivers with a DUI on their record can usually find better rates elsewhere.
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USAA
Avg. Monthly Rate Federal Employee
$83A.M. Best:
A++Complaint Level:
LowPros
- Military-specific discounts: Service members 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 retirement plans and banking services
- Cheapest rates: USAA consistently ranks as the cheapest option for auto insurance in every state
- Excellent customer and claims satisfaction: USAA 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
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State Farm Insurance
Avg. Monthly Rate Federal Employee
$86A.M. Best:
A++Complaint Level:
LowPros
- 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: 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
- Savings for young drivers: Federal employees under 25 or policyholders with young drivers will find plenty of ways to keep rates low
Cons
- Limited online options: Policyholders looking to do everything online will likely feel unsatisfied with State Farm
- Higher rates for some drivers: Drivers with low credit scores should consider another company
- Add-ons are limited: You can’t purchase certain types of coverage from State Farm
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Progressive Insurance
Avg. Monthly Rate Federal Employee
$105A.M. Best:
A+Complaint Level:
MedPros
- 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: 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. 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: Progressive struggles to get customers to renew their policies.
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Allstate
Avg. Monthly Rate Federal Employee
$160A.M. Best:
A+Complaint Level:
LowPros
- Excellent coverage options: Allstate offers full-service car insurance plans with many options beyond standard coverage
- Claims satisfaction guarantee: Allstate guarantees claims satisfaction — any unsatisfied customer will receive a credit for future premiums
- Good discount options: Allstate offers a multitude of discounts that can stack for big savings
Cons
- High rates: Allstate tends to be one of the priciest car insurance providers
- Reviews aren’t always positive: Many Allstate customers report poor customer service experiences
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Farmers Insurance Group
Avg. Monthly Rate Federal Employee
$139A.M. Best:
AComplaint Level:
LowPros
- Affinity discounts for federal employees: Federal employees in some states are 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
- Solid customer service reviews: Farmers receives good reviews from its customers
Cons
- Rates tend to be a bit higher than average: Farmers is rarely the cheapest option for car insurance
- Online capabilities lacking: Farmers is not the best option if you want a lot of online options to manage your account
- No new policies in Florida: Farmers recently announced that they will not be issuing new policies in the state of Florida
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Liberty Mutual Insurance
Avg. Monthly Rate Federal Employee
$174A.M. Best:
AComplaint Level:
HighPros
- Diverse coverage options: Liberty Mutual offers the full suite of standard coverage options. They also offer an extensive list of add-ons including better car replacement and roadside assistance
- Ample discounts: Liberty Mutual offers a long list of discounts (including one specifically for federal employees)
- Great digital tools: Liberty Mutual makes it easy to manage your policy online through the website and mobile app.
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: Liberty Mutual struggles with its claims satisfaction ratings
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Nationwide
Avg. Monthly Rate Federal Employee
$115A.M. Best:
A+Complaint Level:
LowPros
- Vanishing deductibles: Nationwide cuts $100 from your deductible for every year you stay accident and claims-free (up to $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
- Good discount selection: Nationwide offers plenty of ways to save
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.
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Travelers Companies, Inc.
Avg. Monthly Rate Federal Employee
$99A.M. Best:
A++Complaint Level:
MedPros
- Unique coverage options: Travelers offers identity theft protection and gap insurance
- Plenty of discounts available: Some popular Travelers discounts include savings for hybrid vehicles and bundling policies
- 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
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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American Family Insurance
Avg. Monthly Rate Federal Employee
$117A.M. Best:
AComplaint Level:
LowPros
- 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 up to 18 discounts that can save you money
- 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: 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
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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
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
 | $65 | $122 |
 | $87 | $228 |
 | $76 | $198 |
 | $43 | $114 |
 | $96 | $248 |
 | $63 | $164 |
 | $56 | $150 |
 | $47 | $123 |
 | $53 | $141 |
 | $32 | $84 |
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
| Insurance Company | Federal Employee | Military |
|---|---|---|
 | 10% | ❌ |
 | 25% | 7% |
 | 8% | 10% |
 | 8% | 15% |
 | 10% | 4% |
 | ❌ | 15% |
 | ❌ | 25% |
| 10% | 10% |
 | ❌ | 10% |
 | 10% | 10% |
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.
Insurance companies look at a variety of risk factors when crafting rates. Statistics show that federal employees are less likely to get into accidents or file claims, which is why many offer discounts.Daniel Walker Licensed Auto Insurance Agent
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 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
| Insurance Company | Good Student | Low Mileage | Safe Driver | Senior Driver |
|---|---|---|---|---|
 | 15% | 10% | 20% | 5% |
| 10% | 15% | 20% | 5% |
| 20% | 25% | 45% | 10% |
 | 15% | 20% | 25% | 5% |
 | 10% | 10% | 15% | 5% |
 | 10% | 10% | 15% | 10% |
 | 25% | 20% | 15% | 10% |
| 10% | 15% | 40% | 5% |
| 15% | 10% | 20% | 5% |
| 15% | 10% | 15% | 5% |
| 23% | 20% | 25% | 5% |
| 15% | 10% | 12% | 10% |
 | 10% | 10% | 25% | 35% |
 | 10% | 10% | 31% | 5% |
| 10% | 10% | 10% | 5% |
 | 15% | 20% | 20% | 5% |
| 25% | 30% | 15% | 5% |
| 8% | 10% | 10% | 5% |
 | 5% | 10% | 10% | 5% |
 | 3% | 10% | 10% | 5% |
| 8% | 10% | 23% | 5% |
| 3% | 10% | 12% | 5% |
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.
Frequently Asked Questions
Are there any special auto insurance programs or discounts available for federal employees?
Yes, several insurance companies offer special auto insurance programs and discounts specifically tailored for federal employees. These programs may include discounted rates, special coverage options, or benefits exclusive to federal employees.
How can I find auto insurance programs specifically for federal employees?
To find auto insurance programs for federal employees, you can start by researching insurance companies that have partnerships or affiliations with federal employee organizations or unions. Additionally, you can contact insurance companies directly and inquire about any special programs they offer for federal employees.
What types of coverage should I consider when purchasing auto insurance?
When purchasing auto insurance, it’s essential to consider several types of coverage, including:
- Liability coverage: This covers damages or injuries caused by you to others.
- Collision coverage: This covers the repair or replacement of your vehicle if it’s damaged in a collision.
- Comprehensive coverage: This covers damages to your vehicle caused by non-collision incidents, such as theft, vandalism, or natural disasters.
- Uninsured/underinsured motorist coverage: This covers you if you’re involved in an accident with a driver who doesn’t have insurance or has insufficient coverage.
Can I add additional coverage options to my auto insurance policy?
Yes, most insurance companies offer additional coverage options that you can add to your policy for extra protection. These may include roadside assistance, rental car reimbursement, gap coverage, or personal injury protection (PIP).
Can I transfer my auto insurance policy if I change federal agencies or retire?
Yes, most insurance companies allow you to transfer your auto insurance policy if you change federal agencies or retire. However, it’s essential to notify your insurance provider about any changes in your employment status to ensure your coverage remains valid.
Which insurance company is best for federal employees?
The best auto insurance companies for federal employees are Geico, USAA, and State Farm due to their low rates, discount availability, and coverage options.
Do federal employees qualify for USAA?
Unfortunately, not all federal employees qualify for USAA car insurance. Only active and retired military members and their family members are eligible for USAA membership.
What Is the Geico government employee discount?
If you’re an active or retired federal employee who reached the GS-7 level or higher, you might qualify for the Geico government discount. Called the Eagle discount, Geico offers savings of up to 12%.
Is the Government Employee Insurance Company the same as Geico?
Yes, Geico stands for Government Employee Insurance Company. The company was founded in 1936 to offer the best car insurance for federal employees possible.
Which companies offer federal employee discounts?
Finding the cheapest auto insurance for federal employees is easy when you shop at a company that offers a discount. Some of your options include Geico, Travelers, Farmers, AAA, and Liberty Mutual. However, a federal employee discount might not be available in your area.
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Kristen Gryglik
Licensed Insurance Agent
Kristen is a licensed insurance agent working in the greater Boston area. She has over 20 years of experience counseling individuals and businesses on which insurance policies best fit their needs and budgets. She knows everyone has their own unique needs and circumstances, and she is passionate about counseling others on which policy is right for them. Licensed in Massachusetts, New Hampshire,...
Licensed Insurance Agent
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.
