Car insurance for government employees

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About one percent of the entire workforce in the United States is employed by the Federal government. And of this one percent, over 70% are in the defense and security segment. Then you have the local and state governments, which employ another 16 million workers. Whether you are employed at a local, regional, state or federal level, car insurance for government employees is worth exploring, especially since there may be additional discounts when the government is your employer.

It is worth your time to explore if there are discounts designated for federal or other government agency employees, but there are other ways to potentially save on premiums too.

What is a government employee?

The term “government employee” encompasses a wide range of professionals. While you may see educators and members of the military included in this category of employment, generally speaking a government employee is someone who works for a local, state or federal government. There are numerous government agencies, like the Department of Defense or Department of Transportation. However, there are an array of service agencies, such as working with utilities or transit, that work on a local or regional level too.

What is the cost of car insurance for government employees?

While there is not a specific rate or less expensive government employee car insurance per se, it is important to note rates are based on a number of personal factors. However, your employer, such as the government, may entitle you to additional discounts.

The national average for car insurance is $1,674 per year, based on a full coverage policy. But your rate could be much higher – or lower – than this, based on your age, zip code, vehicle, driving history and even your credit score. No matter who you are employed by, you should check with several carriers for quotes, since rates can vary greatly from one carrier to another.

Discounts for government employees

You will find there are carriers, such as Geico, who offer specific discounts if you are a government employee. In the case of Geico, a federal employee receives a 12% discount on policy premiums. Other carriers, such as Travelers and Farmers offer additional savings for certain employees – but you have to call to find out if you qualify.

Another point to keep in mind when it comes to discounts is you may not receive one necessarily for the type of employment you have, but rather if you belong to a certain professional association. For instance, you may qualify for a discount if you belong to a group such as the Federal Managers Association or Federal Law Enforcement Officers Association.

There are likely a few reasons why government employees may be eligible for additional savings. The first is because carriers may view them as posing less risk for driving. Second, government employees typically have access to multiple benefits and steady salaries, which could make them an ideal applicant for auto insurance.

How do I know if a carrier offers a government employee discount?

To find out if a discount is offered if you are employed by the government, be sure to review with a licensed insurance agent. They should tell you right away if you qualify based on your employment. Another method is to compare multiple carriers and specifically look for the discount either online or through customer service.

Frequently asked questions

What is the best way to save on my car insurance premiums?

Not only are discounts a great way to save, but there are other ways to find lower premiums. First, compare multiple carriers for the best rates. Each carrier considers your personal information and uses it to determine your rates, and your rates are different with each one. Secondly, consider raising your deductible if you add comprehensive and collision coverage to your policy. The higher your deductible, the lower your premiums.

How much car insurance do I need?

First and foremost, you need to purchase enough auto insurance coverage to meet your state minimum requirements. While you need auto insurance to legally drive in most places, the bare minimum is typically not enough coverage. According to insurance experts, you should purchase the most coverage you can afford within your budget, especially when it comes to liability insurance. You should purchase higher liability coverage if you are able, which will offer you greater financial protection if you are in an at-fault accident.