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Federal Employee Car Insurance Discount

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Feb 9, 2021

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Key Takeaways

  • If you’re a federal employee, you can save up to 10 percent on your car insurance with a federal employee discount.
  • Only four national insurance providers offer a federal employee car insurance discount.
  • To qualify for this discount, you must be considered a federal employee.


If you’re considered a federal employee, you might save up to 10 percent on your premiums with a federal employee car insurance discount.

Read our quick guide to learn what companies offer this discount, how to qualify, and what you need to do to secure cheap car insurance.

Compare federal employee car insurance discounts by company by entering your ZIP code into our free quote tool above.

What car insurance companies offer a federal employee car insurance discount?

According to the U.S. Office of Personnel Management (OPM), there are 1,869,986 federal employees in the United States. If you’re one of them, you could be earning a car insurance discount through certain providers.

Every car insurance company offers different discounts with different rules of eligibility.

Comparing the AAA car insurance federal employee discount with the Progressive federal employee discount is therefore imperative, otherwise, how will you know which company provides you with the bigger savings?

In the table below, check out what companies offer this discount. If savings amounts are available, it’s included in the data.

Federal Employee Discount Offered by Company
CompaniesFederal Employee Discount Offered
FarmersYes
GEICOYes - 8%
Liberty MutualYes - 10%
MetLifeYes
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4 providers offer affordable federal employee car insurance discounts. But which car insurance company is cheapest for federal employees?

The 8 percent GEICO government employee discount is the most popular, as the company originally insured only government employees when it was founded. It is known as the Eagle Discount.

With the Liberty Mutual federal employee discount, you can save up to 10 percent annually. You’ll notice there is no State Farm federal employee discount. There is also no Allstate federal employee discount.

While there are plenty of AAA federal employee discounts available, none are specific to car insurance.

What is a federal employee car insurance discount?

A federal employee discount rewards government employees with a small percentage off of their annual car insurance rates as a thank you for the job they perform.

Some insurance providers might also believe that government employees are more responsible drivers, an assumption based on the job they hold.

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How can I qualify for a federal employee car insurance discount?

Each insurance company will have different requirements in place for this discount, however, as long as you are a federal employee you should be eligible.

You may need to submit proof of employment to your insurance company to receive this discount. It is at the discretion of the provider to choose what federal jobs qualify and which ones do not.

According to the National Association of Insurance Commissioners (NAIC), car insurance laws vary by state and there are too many variables involved to easily compare one state’s average rates to the next. Therefore, this discount may not be available where you live.

How much can I save with a federal employee car insurance discount?

How much does car insurance cost a federal employee on average? Most government employees pay $151 per month or $1,812 annually for car insurance.

While specific federal employee car insurance discount rates will vary by company, expect to save an additional 5 and 10 percent on your annual premiums.

You are now an expert on securing a federal employee car insurance discount. Enter your ZIP code into our free quote tool below to immediately compare rates from reputable providers near you, and ask about your federal employee car insurance discount today.

References:

  1. https://www.opm.gov/policy-data-oversight/data-analysis-documentation/federal-employment-reports/reports-publications/federal-civilian-employment/
  2. https://content.naic.org/article/news_release_naic_releases_20162017_auto_insurance_report.htm

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