Best Car Insurance Discounts for Federal Employees in 2025 (Get up to 35% Off With These Companies)

Geico, Nationwide, and Liberty Mutual offer the best car insurance discounts for federal employees, with potential savings of up to 35%.

However, plenty of car insurance companies offer savings for federal employees. For example, the federal employee discount from Progressive offers up to 23% off.

Our Top 10 Company Picks: Best Car Insurance Discounts for Federal Employees

Company	Rank	Savings Potential	A.M. Best
	#1	35%	A++
	#2	30%	A+
	#3	28%	A
	#4	25%	B
	#5	23%	A+
	#6	20%	A+
	#7	18%	A
	#8	16%	A++
	#9	15%	A+
	#10	12%	A

Read on to explore the best car insurance discounts for federal employees and where to find the cheapest rates.

Then, enter your ZIP code into our free comparison tool to find the lowest federal employee coverage in your area.

Companies With the Best Car Insurance Discounts for Federal Employees

Finding car insurance with government discounts can be difficult because not many companies offer specific savings for federal workers. However, there are a handful that do, including:

• Geico: Our Geico car insurance review says that the company was founded to provide cheap insurance to government employees. If you’re a GS-7 or higher, you can earn up to 35% off with the Geico discount for federal employees.
• Nationwide: Save up to 30% with the Nationwide government employee discount, though savings are not available in every state. Read our Nationwide car insurance review to see which discounts you may qualify for.
• Liberty Mutual: According to our Liberty Mutual car insurance review, this company partners with several government employee organizations to offer an affinity discount.
• Farmers: Farmers also offers an affinity discount to various employers and organizations, many of which are federal. Check out our Farmers car insurance review for more information.

Other companies may not offer a government employee discount but do have alternative ways to save. For example, many companies offer a military discount to active and retired members.

Whether a company offers a government employee discount or not, getting a quote is simple. Most companies offer a quote request form on their website that takes about 15 minutes to fill out.

If you fill that form out for multiple companies, you’ll be able to compare personalized quotes to find the lowest rates. If you want to skip the hassle, simply enter your ZIP code into our free tool to see multiple personalized quotes at once.

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Federal Employee Car Insurance Rates

Looking for cheap car insurance for civil servants? While most companies don’t offer a dedicated discount to government workers, it’s still easy to find the best auto insurance for federal employees.

Many factors are used by companies to determine your insurance premiums, and your job can be one of them. Luckily for federal employees, government workers tend to be involved in fewer accidents and traffic violations.

Thanks to this, government employee auto insurance tends to be cheaper than the national average. Check below to see rates for car insurance for federal employees from some of the top companies in the country.

These low rates are before government employee discounts, so you’ll probably be able to find affordable coverage even if your chosen company doesn’t offer a discount. However, you can save even more with savings like the Geico government employee discount.

Who Qualifies for Federal Employee Insurance Discounts

No matter what types of car insurance coverage you want or the job you have, not everyone who works for the government qualifies for a federal employee car insurance discount.

For starters, you’ll need to be one of the following in order to potentially qualify for a federal employee discount:

• Current Employees at Local, State, and Federal Agencies
• Retired Employees
• Military Members
• Spouses and Children of a Government Employee

Aside from this requirement, you’ll also need to check with individual companies for their requirements. Some companies require that you be a certain level of government employee before you qualify.

If you’re unsure if you qualify, check with an insurance representative at your provider for more information.

You’ll also need to provide proof of your employment to secure federal employee benefits discounts. Every company has its own rules for this process, but it’s usually as simple as sending in a copy of your most recent pay stub.

Alternative Car Insurance Discounts for Federal Employees

Not all companies offer a federal employee car discount, but that doesn’t mean there are no other ways to save. No matter if you work for state or federal agencies, here are some of the most popular discounts:

• Safe Driver: Earn the safe driver car insurance discount by keeping your driving record clean. Most companies require a clean record for a specific number of years.
• Pay-in-Full: Most drivers pay for their insurance on a monthly basis, but you can earn the pay-in-full car insurance discount by paying your six-month premium all at once.
• Bundling: Get home and car insurance discounts by bundling your vehicle policy with homeowners or renters coverage from the same company.
• UBI/Pay-Per-Mile: Sign up with one of the companies for the best UBI/pay-per-mile car insurance to earn significant savings for your good driving behaviors.
• Military: Many companies offer a military discount to active and retired military members.

There are plenty of additional car insurance discounts offered, though you’ll have to check with your company for an exact list of available savings. Most discounts automatically apply to your policy, but you may need to submit proof in some cases.

Another thing to keep in mind about car insurance discounts is that they often stack. For example, Geico is most famous for its government employee discounts, but it also supports the military.

In many cases, you can get Geico discounts for federal employees and military members on one policy. Make sure to speak with a Geico representative to check which discounts you qualify for.

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Case Studies: Federal Employee Car Insurance Discount

Still wondering how car insurance with federal employee discounts can help you save? Check out a few real-world examples of how people got the best government employee discounts below.

• John’s Savings With Geico: John, a government employee based in Washington, D.C., lowered his full coverage rates by 35% with the federal employee Geico discount.
• Military Savings for Sarah: Sarah retired from the military and lives in Virginia. She got the best car insurance for veterans in Virginia by taking advantage of the State Farm military discount.
• Switching to Nationwide Helped Maria Save: Maria is a government employee from Texas. She was able to lower her insurance costs by 30% when she switched to Nationwide.

If you’re unsure of how to get car insurance discounts for state employees, a representative from your current provider can help. If they don’t offer a discount, you can always compare rates at other companies to find the best deal.

Find the Best Federal Employee Car Insurance Discounts Today

The best car insurance companies can help you save on your policy, no matter where you work. However, federal and government employees can get the best savings from companies like Geico, Nationwide, and Liberty Mutual.

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