Federal Employee Car Insurance Discount

A federal employee car insurance discount is offered to the men and women who work for the government. Many people qualify for this discount through their employment status, but there are only a handful of companies that offer auto insurance discounts for government workers. Liberty Mutual offers the best federal employee car insurance discount, but you should compare quotes from multiple companies online to find the best rates for you.

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Natasha McLachlan is a writer who currently lives in Southern California. She is an alumna of California College of the Arts, where she obtained her B.A. in Writing and Literature. Her current work revolves around insurance guides and informational articles. She truly enjoys helping others learn more about everyday, practical matters through her work.

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Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...

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Reviewed by Laura Walker
Former Licensed Agent

UPDATED: Jul 16, 2021

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The Rundown

  • Employees of the government can save money on insurance with special federal employee car insurance discounts
  • Not all car insurance companies offer this type of discount; if you’re a federal employee, shop around until you find a carrier with the best discounts
  • GEICO was founded to serve government employees, and they still offer great rates and service to federal employees today

If you work in or for the government, you should find out if you qualify for a federal employee car insurance discount. Car insurance carriers will provide federal employees with discounts on coverage based on their government service.

However, not all car insurance companies offer discounts to federal employees.

Federal employee car insurance discounts also differ from military discounts, and companies that offer military discounts might not offer federal employee car insurance discounts.

If you’re ready to buy car insurance with a federal employee discount, enter your ZIP code above to compare car insurance rates with a federal employee discount in your area.

Which car insurance companies offer federal employee car insurance discounts?

The Government Employees Insurance Company, or GEICO, is the industry leader when it comes to government insurance discounts. However, there are other companies that offer federal employee discounts on car insurance.

As you’ll see in the table below, there aren’t too many companies that offer discounted rates to federal employees, but there are many companies that will offer discounts to military personnel.

Federal Employee Discounts and Military Discounts Available through Major Auto Insurance Companies
CompaniesFederal Employee DiscountMilitary Discount
Allstatex
Esurance25%
Farmersxx
GEICO8%15%
Liberty Mutual10%4%
MetLifex15%
Safe Auto25%
Safecox
State Farmx
The Generalx
USAAx
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Are you surprised that GEICO doesn’t offer the best federal employee discount in the table above? According to recent data, Liberty Mutual currently offers the best discount for federal employees.

It pays to shop around and compare car insurance quotes. If you want to learn how you can save more money on your car insurance rates, check out this informative article from the Insurance Information Institute.

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Which jobs qualify for a federal employee insurance discount?

The limits for federal employee auto insurance discounts will vary based on the provider you are shopping with. Many insurers who offer car insurance discounts to federal employees will offer discounts to state government workers as well.

Federal law enforcement agencies like the FBI, CIA, and Secret Service typically qualify for a federal employee discount. There are many other agencies like the DEA, for example, that would also qualify as federal law enforcement.

Even medical professionals who work for the WHO or AMA may qualify for car insurance discounts through their provider as federal employees.

Additionally, military personnel, while technically federal employees, often get a special military discount that is better than the federal employee discount on car insurance.

Qualifying for a federal employee car insurance discount can be a big money saver on liability car insurance, comprehensive, and collision coverage as well.

Federal Employee Car Insurance Discount: The Bottom Line

Federal employees can save money on their car insurance with special discounts. Even though GEICO was created for government employees, this company might not be able to offer you the best federal employee car insurance discount.

If you’re ready to compare auto insurance quotes from the top companies in your area, enter your ZIP code below to compare affordable federal employee car insurance discounts.

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