Best Auto Insurance for Government Employees in 2024 (We Suggest These 10 Providers)

Our Top 10 Company Picks: Best Auto Insurance for Government Employees

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.

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#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.

#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.

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#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.

#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.

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#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.

#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.

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#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.

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.

Geico Auto Insurance Monthly Rates by Occupation

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.

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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.

Government Employee Auto Insurance Monthly Rates by Provider & Coverage Level

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.

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.

• 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:

• Affordable Auto Insurance Quotes for Police Officers
• Affordable Auto Insurance Quotes for Engineers

The Best Auto Insurance for Government Employees

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