Best Car Insurance for Government Employees 2025
How government employees can save on car insurance.
Written by
Ann Herro has been writing about insurance and employee benefits for over 15 years. She has covered topics as easy as insuring a car, and as difficult as transparency in healthcare costs.
Reviewed by
Cara Carlone is a licensed P&C agent with 20 years of experience. She has her P&C license in RI and TX and holds CPCU, API, and AINS designations.
Local, state, and federal government employees are often treated to discounts or other perks on a wide variety of products and services as a reward for their dedicated civil service. If you're a government employee, chances are you'll be able to find ways to save on car insurance.
How can you find the best car insurance policy for government employees? A local independent insurance agent can help you get quotes from multiple insurance companies that include your government employee discount. You can compare quotes and find the best mix of cost and coverage for your needs.
Why Do Insurance Companies Give Discounts to Government Employees?
Car insurance companies offer discounts for a variety of reasons. In the case of government employees, insurance companies likely consider them to be less risky than the average driver, meaning that they tend to get into fewer accidents and file fewer claims than people in other occupations.
What's more, government employees are generally considered to be people with stable employment and salaries, making them ideal customers for any insurance company.
Who Is Eligible for Government Employee Car Insurance Discounts?
You may be eligible for a government employee discount on your car insurance if you work in a certain division of local, state, or federal government or if you're a member of a government employee association or labor union. These savings opportunities are often called affinity discounts.
If, for example, you're an employee of one of the following federal agencies, ask your independent insurance agent about a federal government employee discount:
- Internal Revenue Service
- U.S. Postal Service
- Federal Bureau of Investigation
- Justice system, such as federal prosecutors and judges
- U.S. Federal Reserve
- U.S. Department of Agriculture
- U.S. Department of Education
- U.S. Department of Health and Human Services
- U.S. Department of Interior
- U.S. Department of Transportation
- Federal Communications Commission
- National Security Council
- U.S. International Trade Commission
In general, people who work in the following types of positions can be considered government employees and may be eligible for a car insurance discount:
- Air traffic controllers
- Civil service employees who are part of governmental agencies
- Federal law enforcement officers
- Military members
- Police officers
- Social workers
Often your human resources department will inform you if you're eligible for certain discounts as a government employee. An independent insurance agent can always check with multiple insurance companies to see who offers the best savings opportunities for government employees.
Best Car Insurance Companies for Government Employees
Most insurance companies usually offer some type of discount for certain types of employees or members of certain organizations. We found that the companies below are some of the best car insurance companies for government employees.
- Progressive: Progressive is based in Ohio but offers car insurance across all 50 states. People across the U.S. can look to Progressive for most of their personal insurance needs.
- Travelers: Travelers offers highly rated car insurance. The company provides a variety of other personal insurance options, including home and renters insurance, across the U.S.
- Nationwide: Nationwide provides auto insurance and other popular types of personal insurance coverage. The company is headquartered in Columbus, OH, and is represented by independent insurance agents in 50 states.
- Liberty Mutual: Liberty Mutual is headquartered in Boston, MA. The company offers a flexible, multi-line range of coverages, including car insurance.
An independent insurance agent in your area can work with these and other insurance companies to find government employee discounts. Contact a local agent to get multiple quotes and find the best policy for your needs.
How Much Does Car Insurance Cost for Government Employees?
The average cost of car insurance in the US is $1,759. Government employees pay around $1,548 per year, on average.
Here's the average cost of car insurance for civil servants at some major carriers:
| Carrier | Average Annual Premium for Civil Servants |
|---|---|
| Nationwide | $1,142 |
| USAA | $1,320 |
| Progressive | $1,381 |
| Allstate | $1,980 |
Save on Car Insurance
Our independent agents shop around to find you the best coverage.
How Can an Independent Insurance Agent Help You Get Car Insurance?
Now you know how government employee car insurance discounts work. When you're shopping for car insurance, it's best to shop around, but why do all of that work by yourself?
Local independent insurance agents are experts on all of the latest discounts, so you can be sure you're getting all the savings for which you're eligible. And after you've locked in a policy, your agent will be there for you for the long term, especially when you have questions, need a coverage change, or have to file a claim.
https://www.thezebra.com/auto-insurance/driver/profession/auto-insurance-government-employees/
https://www.thezebra.com/auto-insurance/how-to-shop/average-auto-insurance/