Best Car Insurance for Federal Employees (2025)
Federal employees may qualify for special discounts to lower their auto insurance rates with insurers like GEICO, USAA, and more.
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Federal employees work for the national government, and many car insurance companies recognize them for their service to the country. If you work in the public sector, auto insurers may offer discounts because of your occupation. In fact, GEICO’s first customer base was government employees, and it still advertises special discounts for federal employees.1
Here’s what you need to know about getting car insurance as a federal employee and the discounts you may qualify for.
Cost of car insurance for federal employees
Federal government employees pay the same average rates for car insurance as other professions, but they may get special discounts or coverage options because of their occupation.
For example, GEICO offers a discount of up to 12% on car insurance for active and retired federal employees and a discount of up to 25% for military members. These discounts, and any other discounts you may qualify for, can help reduce your car insurance costs when shopping for coverage.
The table below shows some of the cheapest car insurance companies for federal employees. These average quotes don’t include potential discounts, so keep that in mind when comparing rates.
Who is a federal employee?
A federal employee is anyone who works for or in one of the three branches of U.S. government, according to the Office of Personnel Management.2
Some examples of federal employees include law enforcement officers, postal workers, military personnel, administrators, and other positions. However, about 60% of civilian federal employees work for the departments of Defense, Veterans Affairs, and Homeland Security.3
Best car insurance for federal employees
If you work as a federal employee, start with the insurance companies below when shopping for coverage and discounts.
GEICO: Best for cheap rates
USAA: Best for military members
Travelers: Best for discounts
How we chose the best insurers for federal employees
Data scientists at Insurify analyzed more than 40 million real-time auto insurance rates from our partner insurers across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. We considered car insurance companies that had specific affiliate or occupational discounts that could apply to federal employees. Then, we applied our Insurify Quality (IQ) Score to compare the best options for federal employees.
Where to find discounts for federal employees
Not all car insurance companies offer federal employee discounts, and few advertise them on their websites. So, determining if a company has car insurance discounts through an online search can be tough.
The best way to find out if an insurer has federal employee discounts is by asking an insurance agent when you get a quote. If a company offers discounts for federal employees, you may have to be a member of an organization through your job.
Some examples include the National Federation of Federal Employees, the Federal Law Enforcement Officers Association, and the Federal Managers Association. The Federal Employee Education and Assistance Fund provides an extensive list of unions, management associations, professional organizations, and affinity groups that may qualify for discounts. Insurance companies may not offer a discount for just being a federal employee or part of a membership organization.
Here are some auto insurance companies that advertise federal employee or military affiliation discounts:
GEICO: Federal employee discount of up to 12%
Travelers: Discounts through certain affinity programs
Farmers: Discounts for military personnel and certain professional organizations
Liberty Mutual: Military discount
Other ways to save on car insurance
While discounts are an easy way to decrease the cost of your car insurance, they aren’t the only way to save. Here are other strategies you can use to save on auto coverage:
Federal employee car insurance FAQs
Learn how to switch your car insurance in a few easy steps, and take a look at this additional information about federal employee insurance discounts, including their eligibility and availability.
Are federal employees eligible for USAA insurance?
Federal employees who are active or retired military members qualify for USAA. Its benefits also extend to veterans and immediate family members. Federal employees who aren’t part of the military community don’t qualify for USAA insurance. If you’re not a military member, GEICO and Travelers are other insurance companies to consider.
Is GEICO for government employees?
Not exclusively. While GEICO originally served government employees, the insurance company doesn’t have employment requirements for drivers. Government employees can check if they qualify for discounts using GEICO’s membership discount search tool.
Does AAA have a federal employee discount?
It’s unclear. AAA doesn’t advertise a nationwide federal employee discount. It may offer professional and group discounts, but you’ll have to call your local AAA agent to find out.
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