Best Auto Insurance for Government Employees in 2024 (We Suggest These 10 Providers)
Explore the best auto insurance for government employees, highlighting the top three providers, Travelers, State Farm, and Farmers, offering rates with up to 15% discounts. These companies offer competitive rates, extensive coverage, and discounts for government employees. Compare quotes for the best rates.
Free Car Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
Zach Fagiano
Licensed Insurance Broker
Zach Fagiano has been in the insurance industry for over 10 years, specializing in property and casualty and risk management consulting. He started out specializing in small businesses and moved up to large commercial real estate risks. During that time, he acquired property & casualty, life & health, and surplus lines brokers licenses. He’s now the Senior Vice President overseeing globa...
Licensed Insurance Broker
UPDATED: Aug 29, 2024
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 insurance industry 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.
UPDATED: Aug 29, 2024
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 insurance industry 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.
On This Page
17,757 reviews
Company Facts
Full Coverage for Government Employees
A.M. Best Rating
Complaint Level
Pros & Cons
17,757 reviews
2,903 reviews
Company Facts
Full Coverage for Government Employees
A.M. Best Rating
Complaint Level
2,903 reviews
Company Rank Occupational Discount A.M. Best Best For Jump to Pros/Cons
#1 6% A++ Competitive Rates Travelers
#2 10% B Multi-Policies Discount State Farm
#3 5% A Customer Service Farmers
#4 8% A Online Convenience Liberty Mutual
#5 12% A+ Safe-Driving Discounts Allstate
#6 7% A+ Accident Forgiveness Nationwide
#7 15% A++ Bundling Policies USAA
#8 10% A++ Affordable Rates Geico
#9 5% A+ Exclusive Benefits The Hartford
#10 8% A+ Flexible Options Amica Mutual
Your occupation can help you save on auto insurance. State employees can find better deals online. Get started on comparing full coverage auto insurance rates by entering your ZIP code above.
- Government employees get tailored auto insurance discounts
- Compare quotes online for the best rates and coverage
- Travelers offers competitive rates and comprehensive coverage
#1 – Travelers: Top Overall Pick
Pros
- Competitive Rates for Government Employees: Travelers offers competitive rates tailored for government employees.
- Excellent Customer Service and Claims Handling: Travelers is known for its excellent customer service and efficient claims handling.
- Flexible Coverage Options: Travelers provides a wide range of customizable coverage options to suit individual needs. Access comprehensive insights into our Travelers auto insurance review.
Cons
- Limited Local Agents: Travelers has fewer local agents compared to some competitors, which may affect personalized service.
- Discounts may not be as Extensive: Some other insurers offer more extensive discount options than Travelers.
Compare over 200 auto insurance companies at once!
Secured with SHA-256 Encryption
#2 – State Farm: Best for Multi-Policies Discount
Pros
- Extensive Network of Local Agents: State Farm has a large network of local agents, providing personalized service. Learn more in our State Farm auto insurance review.
- Excellent Customer Service Ratings: State Farm consistently receives high ratings for customer service.
- Multiple Policy Discounts Available: State Farm offers discounts for bundling multiple policies.
Cons
- Higher Rates Compared to Other Insurers: State Farm’s rates can be higher compared to some competitors.
- Limited Digital and Mobile App Capabilities: State Farm’s digital and mobile app capabilities are not as robust as some other insurers.
#3 – Farmers: Best for Customer Service
Pros
- Customizable Policies and Coverage Options: Farmers offers a variety of customizable policies and coverage options.
- Strong Financial Stability and High Customer Satisfaction: Farmers has strong financial stability and high customer satisfaction ratings.
- Variety of Discounts Available: As mentioned in our Farmers auto insurance review, Farmers provides a wide range of discounts to help customers save on premiums.
Cons
- Rates can be Higher for Certain Demographics: Farmers’ rates may be higher for certain demographics.
- Claims Process can be Slower: The claims process with Farmers may be slower compared to some competitors.
#4 – Liberty Mutual: Best for Online Convenience
Pros
- Wide Range of Coverage Options: Liberty Mutual offers a wide range of coverage options to meet diverse needs.
- Competitive Rates With Good Discounts: Liberty Mutual provides competitive rates and offers good discounts. Check out insurance savings in our complete Liberty Mutual auto insurance review.
- Online Tools for Policy Management: Liberty Mutual has user-friendly online tools for policy management and claims.
Cons
- Customer Service can be Inconsistent: Liberty Mutual’s customer service can be inconsistent in some cases.
- Rates may Vary Significantly by Location: The rates offered by Liberty Mutual may vary significantly depending on the location.
Compare over 200 auto insurance companies at once!
Secured with SHA-256 Encryption
#5 – Allstate: Best for Safe-Driving Discounts
Pros
- Innovative Tools like Drivewise: Allstate offers innovative tools like Drivewise for safe drivers to earn rewards.
- Local Agents Available: Allstate has local agents available in many areas for personalized service.
- Strong Financial Strength and Stability: Allstate is known for its strong financial strength and stability.
Cons
- Higher Premiums Compared to Some Competitors: Allstate’s premiums can be higher compared to some other insurers. See more details in our Allstate Auto Insurance Review.
- Mixed Customer Reviews Regarding Claims Satisfaction: Allstate receives mixed customer reviews regarding claims satisfaction.
#6 – Nationwide: Best for Accident Forgiveness
Pros
- Good Discounts and Bundling Options: Nationwide offers good discounts and bundling options to help customers save money.
- Easy-to-Use Website: Nationwide’s website is easy to navigate and use for managing policies.
Cons
- Limited Local Agents: Nationwide has fewer local agents available compared to some competitors.
- Claims Process can be Lengthy: Some customers report that Nationwide’s claims process can be lengthy and complex. Learn more on how to file an auto insurance claim with Nationwide.
#7 – USAA: Best for Bundling Policies
Pros
- Excellent Customer Service and Claims Handling: USAA is known for its exceptional customer service and efficient claims handling. See more details on what information I need to provide when filing an auto insurance claim with USAA.
- Competitive Rates and Discounts: USAA offers competitive rates and a variety of discounts, including special discounts for military members.
- Strong Financial Stability: USAA has a strong financial stability and high customer satisfaction ratings.
Cons
- Limited to Military Members and Their Families: USAA membership is limited to military members, veterans, and their families.
- Limited Availability of Local Agents: USAA has limited availability of local agents compared to other insurers.
Compare over 200 auto insurance companies at once!
Secured with SHA-256 Encryption
#8 – Geico: Best for Affordable Rates
Pros
- Low Rates and Extensive Discounts: Geico is known for its low rates and offers a wide range of discounts to help customers save money.
- User-Friendly Digital Experience: As mentioned in our Geico auto insurance review, Geico provides a user-friendly digital experience with its website and mobile app.
- Strong Financial Stability: Geico has strong financial stability and a good reputation for customer satisfaction.
Cons
- Limited Coverage Options: Geico may have limited coverage options compared to some competitors.
- Mixed Customer Service Reviews: Geico receives mixed customer reviews regarding customer service and claims handling.
#9 – The Hartford: Best for Exclusive Benefits
Pros
- Specialized Coverage Options: The Hartford offers specialized coverage options for AARP members and other groups.
- Excellent Customer Service: The Hartford is known for its excellent customer service and claims handling.
- Competitive Rates: The Hartford provides competitive rates, especially for older drivers.
Cons
- Limited Availability: The Hartford may not be available in all states, limiting its accessibility.
- Higher Rates for Non-AARP Members: Rates for non-AARP members may be higher compared to other insurers.
#10 – Amica Mutual: Best for Flexible
Pros
- Outstanding Customer Service: Amica Mutual consistently receives high ratings for customer service and claims satisfaction.
- Dividend Policy: Amica Mutual has a dividend policy that allows policyholders to receive a portion of the company’s profits. See more details on our “Finding Auto Insurance Quotes Online.”
- Strong Financial Stability: Amica Mutual has strong financial stability and a good reputation in the industry.
Cons
- Limited Availability: Amica Mutual may have limited availability, especially in certain regions of the country.
- Premiums may be Higher: Premiums with Amica Mutual may be higher compared to some other insurers, although offset by dividends.
Compare over 200 auto insurance companies at once!
Secured with SHA-256 Encryption
Some State Government Employees are Eligible for Auto Insurance Discounts
Do state employees get discounts on car insurance? Do federal employee auto insurance discounts extend to discounts for state government employees as well?
As a state employee, you may be eligible for certain auto insurance discounts, including many of the same federal employee car discounts. Some of the best auto insurance companies in America are happy to provide discounts to government employees regardless of whether they are employed by the federal, state, or municipal government.
Let’s look at some general insurance rates for occupations. This table shows you Geico auto insurance rates for some government occupations.
Occupation | Rates |
---|---|
Military Officer (Air Force O1) | $139 |
Retired Miltary (Air Force O6) | $139 |
Military E5 | $146 |
Government GS1-GS5 | $151 |
Government GS6 or higher | $151 |
Military E1 - E4 | $153 |
Police Officer | $158 |
Firefighter | $158 |
Security/Prison Worker | $165 |
With Geico, after any discounts, auto insurance rates for government employees will average $150 a month. Some companies will offer you up to a 20 percent discount on state employee auto insurance rates so it’s possible to get even lower rates.
Not all state employees will be eligible for car insurance discounts, however. As a general rule, employees who are part of a specific group can take advantage of membership discounts available for auto insurance.
Sample membership organizations include:
- National Federal or Federal Employees
- Federal Law Enforcement Officers Association
- Federal Physicians Association
- Federal Managers Association
Watch this video to learn more about Geico insurance employment and organization discounts like the Geico law enforcement discount.
In addition, employees of certain government departments or organizations may be eligible for unique discounts. Your insurance agent can provide a Geico employee discounts list.
If you are an employee of the Department of Transportation, Department of Interior, Department of Education, Federal Reserve, USPS, or the FBI, for example, then you may be eligible to take advantage of auto insurance discounts.
Police officer auto insurance discounts, discounts on auto insurance for engineers, and car insurance discounts for nurses may also be available.
Read more:
- Affordable Auto Insurance Quotes for Nurses
- Affordable Auto Insurance Quotes for Security and Prison Workers
Companies That Offer Discounts for State Employees
Car insurance companies vary widely in terms of state government employee discounts. Some car insurance companies offer steep discounts to state government employees, while others only offer small discounts.
Car insurance companies can vary by state as well. A car insurance company might offer a state employee discount in one state, for example, but no discount in another state.
Major insurance companies that tend to offer discounts for state employees include all of the following:
- Liberty Mutual Auto Insurance
- Farmers Auto Insurance
- Geico Auto Insurance
- Travelers Auto Insurance
- Nationwide Auto Insurance
Geico tends to be one of the best car insurance companies for state and federal government employees. ‘Geico’ stands for Government Employees Insurance Company, and the company originally only accepted government employees.
So, is Geico only for government employees?
Today, Geico accepts policyholders from across the spectrum, although they continue to offer discounts to state and federal government employees.
Insurance Discounts for State Employees
Studies have shown that people in certain professions have lower accident rates than people in other professions. Generally, government employees get into fewer accidents and file fewer claims than people in other professions. For that reason, insurance companies like having government employees in their insurance pool.
It’s important to note that according to Nasdaq, drivers with higher education get better car insurance rates. This can also help account for lower rates.
Insurance Company Minimum Coverage Full Coverage
Allstate $55 $165
Amica Mutual $50 $150
Farmers $55 $160
Geico $48 $145
Liberty Mutual $60 $170
Nationwide $50 $155
State Farm $45 $140
Travelers $50 $150
The Hartford $55 $160
USAA $52 $158
Even if an insurance company does not offer a specific discount to a state employee, you might find that you pay cheaper rates with that insurance company because you’re considered a lower risk class than other drivers.
Read More: Compare State Employee Car Insurance Rates
An insurance company might not specifically advertise a ‘state employee discount’, for example, but you could end up paying lower rates anyway.
Compare over 200 auto insurance companies at once!
Secured with SHA-256 Encryption
How to Save Money on Auto Insurance as a State Employee
Some car insurance companies offer specific discounts to state employees. However, there are other ways to save money on car insurance beyond being a state employee. Consider all of the following, for example:
- Compare Quotes: Wherever you like in America, you should have plenty of choices for car insurance companies. If one company is over-charging for car insurance, switch to a different provider. Compare auto insurance quotes online to find the best rates as a state employee.
I always advise comparing quotes online to ensure you're getting the most competitive rates and coverage for your needs.Eric Stauffer LICENSED INSURANCE AGENT
- Use Insurer Telematics Systems: In the US, insurance companies offer telematics systems for drivers to save 10% to 40% based on driving habits. State employees benefit due to stable jobs, predictable commutes, average mileage, and safe driving.
- Bundle: Bundling multiple insurance policies together can help you save hundreds — even thousands — of dollars per year. Bundle your home and auto insurance policies with the same company to save money.
- Choose the Coverage You Need: Some drivers need comprehensive auto insurance coverage — say, if their vehicle is ten years old or newer. If you have an older vehicle, however, then you may be able to safely drop comprehensive coverage. Take a close look at your insurance policy to ensure you’re only paying for exactly what you need — nothing more or less.
- Look for Preferred Occupation Discounts: Some car insurers offer occupation-based discounts, benefiting professions like engineers, teachers, nurses, firefighters, police officers, military personnel, and doctors, regardless of state employment.
Explore auto insurance discounts tailored for government employees from leading providers below:
Read more:
The Best Auto Insurance for Government Employees
Frequently Asked Questions
Do state employees get discounts on car insurance?
As a state employee, you may be eligible for certain auto insurance discounts, including many of the same federal employee car discounts. Some of the best auto insurance companies in America are happy to provide discounts to government employees regardless of whether they are employed by the federal, state, or municipal government.
Which companies offer discounts for state employees?
Car insurance companies vary widely in terms of state government employee discounts. Some major insurance companies that tend to offer discounts for state employees include Geico, which is known for offering discounted rates for state and federal government employees.
Read More: How To Save on Auto Insurance
Why do insurance companies offer discounts to state employees?
Studies have shown that people in certain professions, including government employees, have lower accident rates and file fewer claims. Insurance companies consider government employees to be lower-risk drivers, which is why they may offer discounts to state employees.
Enter your ZIP code into our free quote tool below to find the best auto insurance providers for your needs and budget.
How can state employees save money on auto insurance?
State employees can save money on auto insurance by comparing quotes from different insurance companies, using insurer telematics systems to pay less based on driving habits, bundling multiple insurance policies together, choosing the coverage they need, and looking for preferred occupation discounts based on safer driving habits associated with specific professions.
How can I get a state employee auto insurance quote?
To get a state employee auto insurance quote, you can compare car insurance quotes online from different companies. By entering your ZIP code, you can receive quotes from multiple insurers and find the best rates for state employees.
Read More: After getting quotes, how long until my auto insurance is active?
Which insurance companies offer the best rates for government employees?
Travelers, State Farm, and Farmers are known for offering competitive rates and discounts tailored for government employees.
What factors should government employees consider when choosing auto insurance?
Government employees should consider factors such as the insurer’s discounts for government workers, coverage options that meet their needs, customer service ratings, and the ease of claims processing.
Does USAA offer auto insurance for government employees?
Yes, USAA offers auto insurance primarily for military members, veterans, and their families, who are often government employees. USAA is known for its competitive rates and excellent customer service.
How can government employees find the best auto insurance rates?
Government employees can find the best rates by comparing quotes from multiple insurers online. Websites and tools allow you to enter your ZIP code and view rates from various companies.
Read More: Affordable Instant Auto Insurance Quotes
Can government employees bundle their auto insurance with other policies for additional savings?
Yes, many insurance providers offer discounts for bundling auto insurance with other policies such as home or renters insurance, providing government employees with extra savings opportunities.
Avoid expensive auto insurance premiums by entering your ZIP code below to see the cheapest rates for you.
Compare over 200 auto insurance companies at once!
Secured with SHA-256 Encryption
Zach Fagiano
Licensed Insurance Broker
Zach Fagiano has been in the insurance industry for over 10 years, specializing in property and casualty and risk management consulting. He started out specializing in small businesses and moved up to large commercial real estate risks. During that time, he acquired property & casualty, life & health, and surplus lines brokers licenses. He’s now the Senior Vice President overseeing globa...
Licensed Insurance Broker
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.