Carrier vs. Carrier Comparisons
Get protected for as low as $45/month from the best car insurance companies for federal employees which are Geico, USAA, and Nationwide.
If you’re a federal employee seeking affordable car insurance, you're in the right place. Our guide highlights the top insurance companies. From discounts and specialized coverage to exceptional customer service, we break down how each provider stacks up.
| Company | Rank | Bundling Discount | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
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#1 | 25% | A++ | Cheap Rates | Geico |
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#2 | 10% | A++ | Customer Service | USAA |
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#3 | 20% | A+ | Bundle Discounts | Nationwide |
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#4 | 25% | A+ | Personalized Service | Allstate |
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#5 | 17% | B | Tailored Coverage | State Farm |
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#6 | 25% | A | Customizable Policies | Liberty Mutual |
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#7 | 13% | A++ | Flexible Policies | Travelers |
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#8 | 10% | A+ | Dividend Payments | Amica |
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#9 | 20% | A | Policy Options | Farmers |
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#10 | 5% | A+ | Retired Drivers | The Hartford |
Learn how much car insurance costs per month and find the best options to save on your premiums. Compare providers to get the best deal on your car insurance.
Ready to find cheaper car insurance coverage? Enter your ZIP code above to begin.
What You Should Know
- The best car insurance company for federal employees is Geico
- Geico offers the cheapest car insurance rates for federal employees at $45/month
- Nationwide has 20% bundling discounts for federal employees who buy home insurance
#1 – Geico: Top Overall Pick
Pros
- Unbeatable Federal Employee Discount: Federal employees can avail Geico's special Eagle discount
- Top-Rated Financial Stability: Geico is rated A++ from A.M. Best due to their financial strength.
- Extensive Safe Driver Incentives: Federal employees with clean driving records can reap benefits, as mentioned in our top ways customers save money on their car insurance.
Cons
- Limited Local Agent Availability: Geico is primarily an online and phone business, unlike a couple of competitors.
- Limited Discounts for Older Vehicles: If you drive an older vehicle and Geico’s discount options limit you, other carriers may be far more generous.
#2 – USAA: Best for Customer Service
Pros
- Lowest Full Coverage Rate: USAA car insurance review shows federal employees have the most affordable option with their car insurance.
- Comprehensive Military-Specific Coverage: If you are a US federal employee with military affiliations then USAA has specialized coverage options for you.
- Accident Forgiveness Program: Federal employees with USAA are protected from rate increases after a first at-fault accident.
Cons
- Fewer Local Offices: USAA mostly operates online and via phone. For federal employees who prefer a face-to-face interaction, it can be inconvenient.
- Restricted Banking Product Integration: USAA do offer banking services, but it is not quite as good as some competitors.
#3 – Nationwide: Best for Bundle Discounts
Pros
- Substantial Bundling Discount: In our Nationwide car insurance review, federal employees can save 20% off through multiple insurance policies.
- Vanishing Deductible Option: In particular, this program is helpful to federal employees who don’t have a smudged record on the motor vehicle.
- Nationwide's Retirement Planning Services: Federal employees can take great advantage of Nationwide's retirement planning expertise.
Cons
- Limited Military-Specific Benefits: Nationwide offers no specific coverage for federal employees in the military or veterans.
- Limited Classic Car Coverage: Classic or collector cars may be more difficult to insure when they are owned by federal employees.
#4 – Allstate: Best for Personalized Service
Pros
- Comprehensive Coverage Options: Our Allstate car insurance review covers their options specifically for federal employees.
- Claim Satisfaction Guarantee: Allstate's unique claim satisfaction guarantee gives federal employees extra peace of mind.
- Deductible Rewards Program: Federal employees can benefit from Allstate's Deductible Rewards program.
Cons
- Variable Rates Across Regions: If a federal employee frequently changes locations, rates may also differ from one region to the next.
- Higher Base Rates: Allstate monthly auto insurance rates for federal employees cost more than some competitors.
#5 – State Farm: Best for Customizable Policies
Pros
- Multiple Line Discount: According to our State Farm car insurance review, federal employees can save 17% when they bundle with other insurance policies.
- Specialized Coverage Options: State Farm provides federal employees with coverage for both personal and work related automobile risks.
- Strong Mobile App and Digital Tools: Federal employees who prefer tech will appreciate State Farm's user friendly mobile app and online portal.
Cons
- Limited Online Quote Process: The online quote process may not give true estimates to federal employees.
- Fewer Discounts for Newer Vehicles: State Farm may give fewer discounts to Federal employees with newer vehicles.
#6 – Liberty Mutual: Best for Flexible Policies
Pros
- Teacher's Auto Insurance: As per our Liberty Mutual's car insurance review, they are great for federal employees in educational roles.
- 24-Hour Claims Assistance: Federal workers who work non-standard hours have access to Liberty Mutual's 24/7 claims service.
- Online Policy Management: Federal employees can manage their policies through Liberty Mutual’s user-friendly digital tools.
Cons
- Limited Discounts for Older Vehicles: If you are a federal employee with an older personal vehicle, you may have fewer discounts.
- Inconsistent Pricing Across Regions: Government workers who move frequently can see huge rate differences from area to area.
#7 – Travelers: Best for Policy Options
Pros
- New Car Replacement Coverage: According to our Travelers car insurance review, federal employees with new cars have full replacement coverage for totaled cars.
- Decreasing Deductible: Federal employees get a decreasing deductible from Travelers if they stay claim-free yearly.
- Multi-Policy Discount: Bundling auto insurance with a home or renters policy earns federal employees 13% savings.
Cons
- Higher Than Average Premiums: Federal employees pay higher rates than those of some competitors.
- Variable Discounts Across States: Government workers who relocate frequently may find that available discounts vary significantly between states.
#8 – Amica: Best for Dividend Payments
Pros
- Dividend Policies: If you’re a federal employee, they offer extra savings in the way of dividend policies when compared to the best car insurance companies.
- Free Airbag Repair: Federal employee insurance is enhanced by Amica's airbag repair coverage.
- Identity Fraud Monitoring: Many federal employees may be at risk for identity theft, and this additional service is a huge help.
Cons
- Less Name Recognition: Some federal employees will be less familiar with Amica because it is a smaller insurer.
- Fewer Advertised Discounts: Amica has fewer publicly advertised discounts, potentially limiting savings opportunities for some federal employees.
#9 – Farmers: Best for Tailored Coverage
Pros
- Customizable Packages: Read our Farmers car insurance review to learn how federal employees can customize coverage for their government work and personal needs.
- Declining Deductibles: Farmers offer a diminishing deductible to federal employees who remain claim-free for each policy period.
- Competitive Insurance Discounts: Farmers have more car insurance discounts for federal employees than other companies.
Cons
- Less Competitive Rates for High-Risk Drivers: High premiums may be charged to federal employees with less-than-perfect driving records.
- Limited Online Quote Process: This may not provide federal employees with a detailed estimate on its online quote process.
#10 – The Hartford: Best for Retired Federal Employees
Pros
- Lifetime Renewability: It's the best car insurance for senior drivers with a lifetime renewal guarantee for federal employees who are AARP members.
- 12-Month Rate Protection: This feature stabilizes federal employee insurance rates for a full year.
- Electric Vehicle Coverage: The Hartford offers specialized coverage for federal employees with electric vehicles.
Cons
- Age Restrictions: The Hartford car insurance for federal employees is only available to retired drivers who are AARP members.
- Higher Than Average Premiums: At $120 for full coverage, The Hartford's rates for federal employees are higher than some competitors.
Understanding Car Insurance Rates for Federal Employees
The following are the monthly premiums offered by the top auto insurers for government employees for minimum and full coverage policies.
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
|
$56 | $147 |
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$58 | $160 |
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$45 | $125 |
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$60 | $155 |
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$50 | $135 |
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$54 | $145 |
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$48 | $132 |
|
$52 | $138 |
|
$53 | $150 |
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$55 | $140 |
Because of their stable employment, federal government employees look favorably to most car insurance providers. The perception of lower risk frequently pays off in sort of unique discounts and lower premium rates for federal workers.
If federal employees are buying their auto insurance, they may find insurers that peddle advantages geared to them — at a lower price and sometimes with some bells and whistles.
Read More: What is liability car insurance?
Top Car Insurance Discounts for Federal Employees
Several car insurance companies offer exclusive discounts for federal employees. For instance, Geico offers a significant discount for members of certain federal employee organizations.
| Insurance Company | Available Discount |
|---|---|
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Multi-Policy Discounts, Safe Driving Discounts, new car discounts |
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Multi-Policy Discounts, Safe Driver Discounts, Good Student Discounts, Bundling |
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Multi-Policy Discounts, Safe Driver Discounts, Military Discounts |
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Multi-Policy Discounts, Safe Driver Discounts, Good Student Discounts |
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Multi-Policy Discounts, Safe Driver Discounts, Good Student Discounts |
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Multi-Policy Discounts, Safe Driving Discounts, Bundling Discounts |
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Multi-Policy Discounts, Safe Driver Discounts, Good Student Discounts |
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Multi-Policy Discounts, Safe Driver Discounts, Good Student Discounts |
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Multi-Policy Discounts, Safe Driving Discounts, Anti-Theft Device Discounts |
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Military Discounts, Multi-Policy Discounts, Safe Driver Discounts |
Similarly, USAA provides special rates for military personnel, which can include federal employees with military backgrounds.
Find car insurance companies that customers recommend. Taking the time to learn about these discounts and using them well can save you a good deal of money.
Car Insurance Tips for Federal Employees
Geico, USAA, and Nationwide are the best car insurance companies for federal employees. Geico provides competitive rates and exclusive auto insurance discounts for federal workers.
USAA is the best military car insurance company with excellent customer service and exclusive federal benefits, while Nationwide provides flexible policies and robust support for federal workers.
Finding cheap car insurance quotes is easy. Just enter your ZIP code into our free comparison tool below to instantly compare quotes near you.
Frequently Asked Questions
What car insurance do most federal employees have?
For auto insurance, many choose providers like Geico, USAA, or Nationwide due to their federal employee discounts and specialized coverage options.
Can federal employees get USAA car insurance?
The only federal employees who can buy USAA insurance are foreign service officers and state department employees. Federal employees can also get USAA if their spouse is an active or retired military member. Read our USAA review to see who qualifies for coverage.
Is Geico for government employees only?
No, anyone can buy Geico car insurance, but federal and state government employees get additional discounts.
What car insurance discounts do federal employees get?
Federal employees are eligible for employer and affiliation discounts based their branch of government. Discounts range between 5% and 20% and vary by company.
What is the lowest deductible for federal employee car insurance?
Federal employees should consider their budget and risk tolerance when choosing an insurance deductible.
What are the four recommended types of car insurance for federal employees?
The four recommended types of auto insurance are liability coverage, collision insurance, comprehensive coverage, and uninsured motorist protection. State law and lending institutions may require some or all of these coverages. Enter your ZIP code below to find the best rates on coverage.
What are the federal insurance programs in the U.S.?
Federal insurance programs in the US include Social Security, Medicare, Medicaid, and the Federal Employees Health Benefits (FEHB) Program.
Who insures U.S. government vehicles?
U.S. government vehicles are typically self-insured by the federal government.
What is the largest government insurance provider in the U.S.?
State Farm is the largest insurance company by market share. However, while searching for the best insurance options, federal employees often turn to car insurance companies that customers recommend for their auto coverage needs.
What are the insurance benefits of being a federal employee?
Federal employees are eligible for exclusive discounts and cheaper rates since insurance companies consider them low-risk.
Our free online comparison tool below allows you to compare cheap car insurance quotes instantly — just enter your ZIP code to get started.