Car Insurance Discounts for Federal Employees

Car insurance discounts for federal employees reduce rates for federal government workers. Some government employee insurance companies offer discounts up to 8 percent. If you're looking for lower car insurance rates for federal employees, always shop around before you buy.

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UPDATED: Jun 2, 2022

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Written By: Laura BerryReviewed By: Joel OhmanUPDATED: Jun 2, 2022Fact Checked

Here's what you need to know...

  • Federal employees can find discounts on car insurance, car rentals, and much more
  • GEICO offers multiple federal employee car insurance discounts based on their government equivalent grade level
  • If you are searching for car insurance, inform potential carriers of your status as a federal employee to discover if they have additional discounts available

Many insurance companies offer special discounts to policyholders that have certain jobs, and that includes car insurance for federal employees.

The jobs that typically qualify for these car insurance discounts tend to be public service jobs like teaching and law enforcement. But do car insurance discounts for federal employees exist?

Yes, federal employees also qualify for special car insurance discounts with certain car insurance providers.

To get affordable car insurance for federal employees, compare quotes to find the best rates for the coverage you need. Enter your ZIP in our FREE quote tool and find the car insurance company for federal employees for you.

What discounts are available to federal employees?

Federal employee car insurance discounts lower car insurance rates for federal government workers. Some car insurance companies offer up to an 8% discount for federal employees to recognize their work and the rigorous background check they had to pass for their job.

  • Many federal employees may qualify for a fabulous discount on their car insurance policy, and others may qualify for more affordable pricing through specialized car insurance companies
  • Most full-time employees of the federal government may qualify for savings on car insurance in different ways
  • In some cases, buying coverage through a provider that does not offer a federal employee discount may be the most affordable option available

Many workers are drawn to jobs with the federal government because of the perception that these jobs qualify them for special perks and benefits.

It may be true that many federal government workers have excellent health insurance, retirement plans, and more, but you should not overlook the important financial benefit of a federal employee discount on car insurance.

To give you an idea of what federal employee car insurance rates look like, take a look at the table below. It shows you GEICO rates based on federal occupation.

Rates by Federal Occupation
OccupationGeico Monthly RateGeico 6-Month RateGeico Annual Rate
Military Officer (Air Force O1)$139.47$836.80$1,673.60
Retired Miltary (Air Force O6)$139.47$836.80$1,673.60
Military E5$145.85$875.10$1,750.20
Government GS1-GS5$151.00$906.00$1,812.00
Government GS6 or higher$151.00$906.00$1,812.00
Military E1 - E4$152.57$915.40$1,830.80
Police Officer$157.98$947.90$1,895.80
Security/Prison Worker$165.33$992.00$1,984.00
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A federal employee discount could help you to save money on car insurance rates throughout your time as a government worker.

In addition, some car insurance companies offer special pricing or rates for federal workers to help you save money on auto coverage in different ways.

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What auto insurance discounts are available to members of the military?

If you are active duty or retired military, you are entitled to some hefty military discounts from most auto insurance companies. This is particularly true if you are deployed to an area defined as an imminent danger zone by the Department of Defense. These are often referred to as emergency deployment discounts.

USAA and Armed Forces Insurance are two companies that cater specifically to military families. USAA offers low insurance premiums on auto insurance policies as well as a wide range of discounts for those who are eligible. The company’s customer satisfaction ratings and financial strength ratings are also some of the best in the industry.

That being said, if you’re in the military, don’t automatically assume that USAA or Armed Forces Insurance will offer you the cheapest rates. You should still get quotes from other companies with military discounts before making a decision.

Is car insurance for federal employees any different from regular car insurance?

The truth is that your car insurance requirements are based on where you live, not who you work for. This means that your insurance isn’t going to be any different than it would be for anyone else.

You will still be required to carry certain minimum coverage on your vehicle. In addition, if you have financed your vehicle, you will have to purchase the same comprehensive and collision coverage required by your lender.

What you will find, however, is that auto insurance for federal employees comes with discounts, especially for those who serve in the military, so make sure you choose an insurance company that provides you with a discount.

In addition, you will find that some companies, like the GEICO Insurance Agency, offer extras for federal employees as well, like free federal leave record cards. In addition, GEICO supports raising money for federally funded organizations, is part of the CFC, and more.

How do car insurance companies analyze drivers?

While you may be appreciative of the financial savings that a federal employee discount could provide to you on an ongoing basis, you also may be curious why federal workers qualify for a discount on car insurance through some companies.

Many insurance companies find that government employees are less risky than non-government employees, since they are involved in less accidents and file fewer claims.

While some car insurance companies want to honor federal workers for their time and service to the country, many also recognize the extreme vetting process associated with obtaining a government job.

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What is the federal employee hiring process like?

The government job application and interview process can be long and rigorous, and you may easily recall the background check, the credit score check, and other steps that the government took to approve you for the position.

Car insurance companies also have a screening process when determining your car insurance rates, but in most cases, the government screening process is more substantial and in-depth.

Because government employees have passed through a more rigorous background check than many other insured drivers have, car insurance companies may recognize this through a federal employee car insurance discount.

How can you save money through your service to the country?

Many car insurance companies are also focused on honoring the service of federal government employees.

While service to the country may be most commonly equated to military professionals, the reality is that administrative workers, federal-level law enforcement officials, judges, and many others all help the government to operate at a high level on a daily basis.

While some government employee insurance companies offer a discount to federal workers, other companies specialize in offering very affordable rates on insurance to federal and military employees.

Some generic ways to save money on your car insurance could be to use telematics (which monitors your driving) or to bundle your insurance. You could also pay your premiums ahead, such as for a 6-month or annual policy.

Reviewing Potential Savings Options for Federal Workers

Most drivers understandably want to maximize the savings opportunities available for car insurance rates.

Whether you are a new federal employee or you have been working for the government for years, you should consider shopping around to compare car insurance rates available for federal workers like you.

Keep in mind, however, that the availability of discounts, the financial value of discounts, and other factors should all be taken into consideration when you are making an insurance decision.

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What are the requirements for a federal employee discount?

Not every federal worker will qualify for a special federal employee discount or the competitive rates through select providers. Most federal employee car insurance discounts and special pricing offers are designed specifically for full-time, salaried or hourly workers.

Can members of the military get a car insurance discount? Yes, they can.

In some cases, part-time workers may also qualify, but contract employees rarely qualify for savings in this way.

Finding a Provider That Offers Great Pricing for Federal Employees

The qualifications for a federal employee car insurance discount as well as the rates available through different providers varies substantially. You may be inclined to start requesting rate quotes online today to identify the most affordable policy option available.

Shopping for car insurance online is a fast and convenient method available, but keep in mind that numerous factors must be reviewed to make a sound buying decision.

Do you need to select your car insurance company carefully?

You may use the Internet to look for providers that offer low rates and special discounts for federal workers, but you should also take the additional step to look for a provider that has excellent financial strength and a fabulous reputation for providing great customer service.

The Internet is one of the best resources that you can use to quickly compile a list of top insurance companies to reach out to.

After spending a few minutes analyzing different insurance companies online, you can then contact the top contenders that you have identified through your research.

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What are other car insurance discounts?

While your status as a federal employee may qualify you for a car insurance discount or special rates, keep in mind that many providers offer a dozen or more unique car insurance discounts that can also help you to save money on your auto coverage.

If you want to maximize the savings available on your rate, you must request quotes from different reputable providers to identify the best overall rate when all discounts are taken into consideration.

Some of the many types of car insurance discounts that you may qualify for besides the federal employee discount are related to:

  • Your driving record or a claims-free status
  • Your enrollment in a higher education program
  • Your military status or experience
  • Your credit rating
  • How frequently you drive your vehicle
  • Your car’s safety features

Shopping for new car insurance rates and taking advantage of the federal employee discount available through some insurance providers is a great way to save money on the coverage you need.

However, the discounts and rates offered fluctuate periodically, and your own qualifying factors can also change. You should shop around for coverage every six months, and make sure to ask your insurance agents.

Car Insurance for Federal Employees

Car insurance for federal employees will be the same as car insurance for any other occupation. However, there are many car insurance discounts available to federal employees, such as low mileage and no claims bonus.

  • There is not one specific company that is willing to focus on federal employees exclusively
  • GEICO started out as a company just for federal employees, but they now offer insurance plans to almost everyone
  • A federal employee can get car insurance just like anyone else
  • As a federal employee, your coworkers or bosses may have some tips for you to find insurance plans that cater to your line of work
  • Always look for discounts

As a federal employee, you may be wondering if there is a special car insurance program for you. The answer to that isn’t easy as it depends on where you live and what type of insurance can be sold in your state.

Which insurance company sells to federal employees? Is there a Progressive federal employee discount or a State Farm federal employee discount? What about a GEICO federal employee discount?

Is GEICO a government employee insurance company?

There are car insurance companies that sell insurance specifically to federal employees. GEICO started out as a federal employee insurance company that provided every type of insurance imaginable.

While GEICO has expanded, there are still companies that offer car insurance specifically to federal employees. For example, USAA car insurance is specifically for the U.S. military.

The good news is that you don’t have to use an insurance company that specializes in federal employee car insurance in order to take advantage of any discounts that might apply to federal employees.

Many companies offer special programs for federal employees that should make it easy for you to get the special treatment that you want for your car insurance.

It is important to note that despite the fact that you may get some discounts for being a federal employee, there are no special deals in terms of what you are going to need for car insurance requirements.

Keep reading to learn if there are any differences between federal car insurance and regular car insurance if you can purchase federal car insurance from your employer and what other discounts you can get on your car insurance.

Can I purchase federal car insurance from my employer?

In the early days of required car insurance, many federal employees had the option of purchasing car insurance through their federal employer. That is no longer an option, but your employer may be able to help you find car insurance.

  • It is possible to get a recommendation from your employer regarding the company you should use to purchase your car insurance.
  • What’s more, there may be insurance companies in your state that have negotiated deals with your federal employer to offer specific discounts. You can check with your HR department to find out if any such deals exist.
  • Rarely, you might find that your employer has a deal with specific insurance companies that allow you to pay your rates directly from your paycheck. However, this is more the exception than the rule.

Read on to learn more about available discounts.

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What car insurance discounts are available to federal employees?

As a federal employee, you may qualify for federal employee discounts from many major car insurance companies. In addition, just like anyone else, there are other discounts that you can take advantage of.

  • Low Mileage Discounts – For example, if you are in the military and only drive your vehicle for a limited time each year, then you may qualify for a low mileage discount. While this discount may have a different name in each insurance company, the concept is the same.
  • Model Citizen Discount – You may qualify for discounts if you are a good driver, married, own your home, and more. Some discounts apply only at certain insurance companies but overall, there should be several discounts that safe drivers can take advantage of.
  • No Claims Bonus Discount – Go without making a claim for a set period of time, and some insurance providers will reward you!

No matter what your job happens to be, you owe it to yourself to ensure that you get the lowest rates on your car insurance. You can do that right now by using our free quote tool.

What benefits and discounts does GEICO offer to federal employees?

You shouldn’t be surprised to learn that there is a GEICO federal employee discount because this insurance company was originally founded to specifically meet the needs of government employees. (GEICO stood for Government Employees Insurance Company.)

GEICO has an A++ (superior) rating from A.M. Best, and the company’s outlook is stable.

When someone first becomes a GEICO policyholder, it is important that they inform their new insurance agent if they are a federal employee. Otherwise, they could miss out on a great car insurance discount opportunity.

GEICO’s main federal employee discount program is its Eagle Discount program. How much is the GEICO federal employee discount? The amount the federal employee is eligible to receive as a discount is determined by their GS or government equivalent grade level.

A federal employee with a GS level of seven or higher or the GS equivalent level of 11 or higher qualifies for the GEICO Eagle Discount.

The Eagle Discount is available to federal employees in most states. The qualifying federal employees are eligible for up to 8 percent savings on their car insurance coverage.

GEICO also offers a discount called the Sponsored Marketing Discount to federal employees that are employed by certain federal businesses that are affiliated with GEICO.

This discount is available in most states, and the federal employees that are eligible for this discount can save up to 8 percent on their car insurance rates.

What federal programs are classified as GEICO-sponsored marketing partner organizations?

There are many groups that are members of the GEICO-sponsored marketing partner program. These groups are divided into seventeen categories including alumni associations, educational organizations, federal organizations, technical organizations, and many more in between.

Some of the student organizations that qualify for this discount are the American Medical Student Association, the Golden Key International Honor Society, the National Society of Collegiate Scholars, and the American Student Dental Association.

Some of the scientific organizations that are eligible for this discount include:

  • American Physical Society
  • American Association for the Advancement of Science
  • American Society for Clinical Laboratory Scientists
  • American Society for Cell Biology
  • American Society for Microbiology

A vast number of alumni associations, educational organizations, and college fraternity and sorority organizations are also eligible for this special GEICO car insurance discount.

Some of these groups include the American Library Association, American Mensa, the Association of American Educators, the American Montessori Society, Delta Kappa Epsilon, and the School Nutrition Association.

These are just a handful of the hundreds of organizations that qualify for the GEICO-sponsored marketing car insurance discount for federal employees.

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What other companies offer discounts to federal employees?

Car insurance providers are not the only companies that choose to acknowledge and appreciate federal employees by offering them special discounts.

Many leading cell phone providers offer a federal employee discount. These companies include Sprint, AT&T, Verizon, and T-Mobile.

Federal employees that want to purchase a new computer will be able to find special discounted rates from the most popular computer manufacturers.

These leading companies include Hewlett Packard, Gateway, Dell, and Apple.

Dollar, Avis, and Thrifty Car Rental are three of the most well-known car rental companies in the United States, and these companies offer special discounts to federal employees.

Use the FREE tool below to find car insurance quotes for federal employees from multiple providers today. Enter your ZIP to compare quotes for car insurance for federal employees.

Buy car insurance for federal employees today.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Written by Laura Berry
Former Insurance Agent Laura Berry

Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP® Joel Ohman

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