Some government employees are eligible for car insurance discounts. If you work for the government, you may be eligible for insurance discounts, depending on your employment and insurance provider. For example, some insurers may exclusively provide discounts to federal employees. Whether you qualify for a government employee discount may also be determined by where you live, as some insurers only give discounts in particular states.
Keep in mind that your occupation can influence your insurance premiums because it can indicate your risk level. Some professions are more prone to accidents, particularly those that demand a significant amount of time on the road. While government employee discounts are offered, they are not always easily accessible.
Best Car Insurance for Government Employees
Geico
GEICO is the third-largest auto insurance company in the United States, originally founded as a government employee insurance company. It serves U.S. government employees and military personnel.
The government employees’ insurance company (GEICO) offers 24/7 customer service, competitive rates, numerous available discounts, an intuitive website, and a mobile app, which makes it easier. However, it doesn’t offer life insurance bundling; the limited agent network, rideshare, and gap insurance are not available.
USAA
USAA offers low rates to government employees, such as members of the military, state department officials, and foreign services officers.
It offers excellent customer service, discounts for deployment and keeping your car on base, operation in all 50 states, a world-class app, and claim-filling tools with a variety of tailored plans. However, availability is limited due to membership restrictions.
Travelers
Travelers are known for its best payment flexibility, competitive premiums, and high customer satisfaction, which make it an excellent choice.
It offers a wide variety of coverage options to suit individuals and various discounts beyond being government employees, such as safe driving discounts, multi-policy discounts, and vehicle safety discounts.
As a government employee, you even get to choose how you would like to pay, which can be in monthly installments, making it easier to manage your policy. However, finding local travelers in some areas can be challenging, which could impact their customer service quality.
State Farmers
Known for its large network of agents, State Farmers works with over 18,000 insurance agents across the United States to assist you in selecting the appropriate policy options and quantities.
It provides discounts for safe driving records, multiple vehicles, and vehicle safety features. Additionally, it offers a discount for government employees. However, their services may not be as strong and healthy as those of the government employee insurance provider, and customers may have to wait until the next business day to be able to speak with a representative.
Nationwide
It offers government employees the opportunity to save significantly. By bundling their auto insurance with other products, such as homeowners or renters insurance.
Nationwide has a mobile app that allows you to pay your bill, print ID cards, make policy changes, and file and track your claims from your phone. This makes it easier for you to do anything from the comfort of your home.
However, your auto insurance rates for government employees will be dependent on your location and driving history. And you’d also be required to provide more detailed information, which includes your driving history and prior insurance coverage.
Allstate
And finally, we have Allstate, which is known for its usage-based program, operates nationwide and offers a wide range of coverage options, including roadside coverage and rental car reimbursement, which allows government employees to customize their policy.
It offers availability, exclusive features, and good rates. But its premium may be higher than that of some competitors. However, it’s only available in 21 states and Washington, D.C. And rates are higher if your area is located in a densely populated urban area or places prone to high rates of accidents or severe weather events.
Selecting the best car insurance companies for government employees with discounts will vary depending on where you live, as some insurers only offer discounts in specific states. Your occupation can affect your insurance premiums because it indicates your risk level.
Frequently Asked Questions
Is GEICO for government employees?
GEICO was created to provide insurance coverage, particularly to government employees, but its mission has evolved, and it now covers everyone, regardless of their job status.
Do federal employees qualify for USAA?
Some government employees are eligible for USAA auto insurance, but not all. Only active and retired military members, state department employees, and Foreign Service officers are eligible for USAA coverage. This means that other federal employees (employees from the departments of agriculture, transportation, and others) are ineligible.
How do I know if a carrier offers government employees?
To find out if a provider offers discounts for government employees, consult a registered insurance agent. They should be able to tell you right away if you are eligible, depending on your employment. Another option is to compare multiple carriers and seek potential discounts, either online or by calling their customer service hotline.