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Car Insurance Government Employee Discount

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Who Qualifies For A Federal Employee Auto Insurance Discount

Wright USA – Federal Employee Disability Insurance

Here are some of the major types of federal jobs that may qualify you for special discounts with your auto insurance:

  • Federal law enforcement jobs: There are a variety of different law enforcement jobs available for people wanting to go into federal law enforcement. The types of positions available in this sector include FBI, CIA, or Secret Service jobs, as well as any type of law enforcement on the federal level.
  • Healthcare jobs: There are many healthcare positions available to people in the healthcare profession. If you work with the WHO , AMA, , or any other type of position, you may qualify for federal employment discounts.
  • Civil service jobs: There are a variety of civil service jobs that may qualify for special federal discounts. Some examples are federal engineering jobs, mechanics, welders, or any federal government positions that deal with public service.
  • Jobs for the disabled: If you are disabled, you may qualify for special jobs with the federal government that would qualify you for federal discounts on insurance.
  • Military jobs: If you are an active or retired member of the military, you may qualify for special discounts.

Military personnel and their families may qualify for discounts on their auto insurance with certain companies.

Some companies only offer discounts to active duty military, while others offer it to active or retired personnel, like USAA.

GEICO is an example of one company that offers discounts to military members.

Which Insurance Companies Offer Government Employee Discounts

Which insurance companies sell to federal employees? All of them. You can buy your insurance wherever you like. Of course, not all of them have special federal employee discounts. So how do you know which auto insurance company for federal employees is for you?

There are many types of insurance companies that offer discounts to different types of federal employees. But there is no one company that focuses on this specifically. You just have to shop around, see whats available to get the best coverage, and find out about the discounts.

AAA Insurance and Geico are two examples of insurance providers that offer a discount to federal workers.

The AAA auto insurance federal employee discount is only available by calling an agent directly, and not with online quotes. Reportedly, AAA only offers the discount one time on the spot so you have to take the deduction at that point.

What about some of the big names in auto insurance? Currently, there is no State Farm federal employee discount, nor is there a Progressive federal employee discount listed anywhere among the companys discounts.

Heres a look at several companies with federal employee discounts and discounted rates for members of the military. If the amount of the discount is available, it is listed.

An X shows which companies offer a discount if the rate isnt listed. It is important to note that not all discounts are available in every state.


Which Jobs Qualify For A Federal Employee Insurance Discount

The limits for federal employee auto insurance discounts will vary based on the provider you are shopping with. Many insurers who offer car insurance discounts to federal employees will offer discounts to state government workers as well.

Federal law enforcement agencies like the FBI, CIA, and Secret Service typically qualify for a federal employee discount. There are many other agencies like the DEA, for example, that would also qualify as federal law enforcement.

Even medical professionals who work for the WHO or AMA may qualify for car insurance discounts through their provider as federal employees.

Additionally, military personnel, while technically federal employees, often get a special military discount that is better than the federal employee discount on car insurance.

Qualifying for a federal employee car insurance discount can be a big money saver on liability car insurance, comprehensive, and collision coverage as well.

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Driver Status Car Insurance Discounts

These are discounts that are based on the driver, just not on their driving habits. Whether your child is a good student or you served in the military, your personal profile can be key to saving a good amount on your car insurance.

Discount name Companies that offer the discount
Good student State Farm, Geico, Allstate, Travelers, Nationwide, Progressive, Liberty Mutual
Student away State Farm, Allstate, Travelers, Liberty Mutual, Farmers, Nationwide
Geico, Farmers, Travelers, Nationwide, Liberty Mutual
Senior Geico, Allstate, Liberty Mutual

How Do I Know If A Carrier Offers A Government Employee Discount

Car Insurance for Government Employees

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.

Recommended Reading: City Of Las Vegas Government Jobs

Still Dont Qualify You Have Other Options

Major insurance companies do offer discounts to federal workers, including Liberty Mutual, Farmers Insurance, Nationwide, Travelers, and GEICO.

However, if you do not qualify as a federal employee under their plans, you have other ways to save. You could even consider a telematic system, which monitors your driving habits and permits the insurance company to assess your day-to-day driving skills. Once they have a full idea of how you drive, you can receive discounts for continuing to drive safely.

Some companies offering these discounts include Progressive, Esurance, Nationwide, Liberty Mutual, and Allstate.

Regardless, if you qualify for a discount, or think you might, always investigate it further. The more deductions you can unlock, the cheaper your monthly premiums can be, and the easier it becomes to insure your vehicle.

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Why Do Insurance Companies Offer Discounts To State Employees

Studies have shown that people in certain professions have lower accident rates than people in other professions. Generally, government employees get into fewer accidents and file fewer claims than people in other professions. For that reason, insurance companies like having government employees in their insurance pool.

Its important to note that according to Nasdaq, drivers with higher education get better car insurance rates. This can also help account for lower rates.

Even if an insurance company does not offer a specific discount to a state employee, you might find that you pay cheaper rates with that insurance company because youre considered a lower risk class than other drivers.

An insurance company might not specifically advertise a state employee discount, for example, but you could end up paying lower rates anyway.

Also Check: Government Jobs For History Majors

What Discounts Are Available For Federal Employees

Many auto insurance companies have exclusive discounts for federal employees not available to the general population.

The amount of these discounts, however, will vary depending on state laws and regulations.

Some car insurance companies even only sell auto insurance to people who are current or retired federal employees.

Travel Discounts For Government Workers — Federal employee disability insurance

Amtrak: Federal government employees on business travel can get discounted, refundable fares from Amtrak. Available only for bookings from travel agencies that are authorized by government employers .

Delta Airlines: Government employees on work travel can get reduced prices on select Delta Airlines flights. Call the Delta Reservations desk at 800-221-1212 and ask for their federal government discount policy .

JetBlue: JetBlue offers special fares to federal government employees traveling on official government business. For more information call 538- 2583 and press 3 .

Southwest Airlines: Government employees who are traveling for work can get discounted fares from Southwest Airlines. Call 1-800-435-9792 for inquiries .

United Airlines: United Airlines offers special fare discounts for federal government employees traveling on official business. Only U.S. government-issued Visa and MasterCard are accepted as payment. Not available for government contractors .

Go to: Retail, Travel, Automotive, Car Rental, Communication, Electronics, Vision, Hotels & Resorts, Insurance & Banking, Outdoor & Recreation, Sports

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Are There Auto Insurance Discounts Available For Federal Employees

Yes, there are some great auto insurance discounts available specifically for federal employees. In fact, some programs were originally founded to provide coverage for government workers. Providers offer these car insurance discounts to draw in the high number of drivers that serve as federal employees.

Many car insurance companies are willing to offer these discounts because government employees are not considered to be high-risk drivers. This means that the chances that a government employee will cause an at-fault accident are low. Fewer claims filed mean that car insurance companies can profit more from your policy.

Keep in mind that not every government employee is eligible for these discounts, though. Each car insurance company has a unique list of federal jobs that will qualify for special coverage.

Some common careers that are eligible for auto insurance for federal employees include federal law enforcement, healthcare workers, and military personnel.

Homeowner Car Insurance Discount

Some insurers provide a homeownership discount even if the policyholder has not purchased homeowners insurance with them. When available, the discount is applied to the liability, physical damage, personal injury protection and uninsured/underinsured motorist premiums â a majority of the different types of coverage, except rental and towing coverage. We found that Progressive gives a 3% discount to qualifying homeowners. Some insurers will honor both bundling and being a homeowner, and the discounts are usually automatically applied when you acquire your quote online. We discuss bundling discounts below.

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Popular Organizations With Geico Affiliation Discounts

  • National Association of Federal Employees
  • National Association of Government Contractors
  • Texas A& M University
  • BJs Wholesale Club Members
  • World Golf Tour

If you find an organization that you belong to in Geico’s list, go to the organizations website and sign in with your member credentials, if necessary. You can then go to the section on member benefits and find a link for a Geico insurance quote. Discounts vary by organization and state.

These affiliation partnerships help Geico market its products and expand its customer base. In return, organization members receive discounts on Geico insurance policies. The organizations also receive a fee from Geico for every member who requests a Geico quote, even if they dont buy a policy.

How much is Geico’s Marriage Discount?

Geico does not have a marriage discount. Geico does, however, tend to offer lower rates to married couples over single people. Married couples also tend to qualify for more discounts, like Geicos multi-car and multi-policy discounts.

Married couples tend to be more careful and consistent, which translates to fewer accidents and less risk for the insurance company. Getting married should not cause your rates to go up, as a result, but there are exceptions. If your new spouse has a poor driving record or is considered a higher risk to insure for another read full answerreason, you could pay much more.

Driver Profile


Its All About You We Want To Help You Make The Right Coverage Choices

Car Insurance for Federal Employees

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships dont influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

  • Government employees can get special discounts on their auto policy and earn great savings.
  • Both federal and state employees may qualify for discounts depending on the auto insurance company.
  • GEICO has specialized in government employee discounts since it was founded in fact, its the original federal employee auto insurance company and specializes in auto insurance for federal government employees.

If youre a federal employee, your job can help you save money on auto insurance. You can secure auto insurance for federal employees that is much cheaper than the average cost by seeking out discounts.

  • What are the Types of Auto Insurance Coverage for Federal Employees?
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    Health & Fitness Discounts

    Energie Cardio: Energie Cardio offers a 15% discount on annual membership fees to Canadian government employees who are subscribed to the ServicePlus benefits program .

    LASIK MD: Government employees who are members of ServicePlus can save up to $200 on LASIK correctional vision laser surgery for both eyes .

    Go to: Discount Programs, Car Rentals, Clothing & Retail, Health & Fitness, Hotel & Resorts, Insurance & Banking, Technology, Transportation, Zero-Emission Vehicles

    Why Do Companies Offer Federal Workers Discounts On Their Insurance Premiums

    Insurance companies often see federal employees as low risk. After all, you have gone through the extensive background checks to receive your security clearance, including heavy scrutiny of your driving record. Government employees tend to get into fewer accidents, simply because accidents risk their ability to keep their job.

    Therefore, if you work for the federal government, an insurance company is more than willing to give you a premium discount because they know you are a low risk to insure.

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    Car Insurance Discount Tips

    Car insurance discounts arent always what they seem. For example, you might think big savings! when you see a discount advertised with up to 40% off, but that doesnt necessarily mean youre going to get 40% off your entire car insurance bill.

    Here are some discount car insurance tips.

    Beware of the up to. Youll usually find that discounts are listed as up to a certain percent. You might not get that percent. The highest discount may be offered only to certain classes of drivers, for example.

    Some discounts apply only to specific coverage types, not your entire bill. For example, seat belt discounts might be applied only to your cost for medical payments coverage or personal injury protection, because those types pay for passenger injuries. Anti-theft device discounts might apply to only to comprehensive coverage, because thats the coverage that pays for car theft.

    Some discounts are required by state law. Youll get state-mandated discounts from any insurance company. For example, New York mandates a 10% discount off of liability and collision coverage for three years for drivers who take a defensive driving course and send a certificate of completion to the insurance company.

    Discounts can be capped. You might qualify for multiple discounts, but the insurance company usually limits the total possible discount percentage. For example, you might add up discounts that look like 75% off your auto insurance , but the total might be capped at 20%.

    What Auto Insurance Discounts Are Available To Members Of The Military

    Geico Direct (2000)

    If you are active duty or retired military, you are entitled to some hefty military discounts from most auto insurance companies. This is particularly true if you are deployed to an area defined as an imminent danger zone by the Department of Defense. These are often referred to as emergency deployment discounts.

    USAA and Armed Forces Insurance are two companies that cater specifically to military families. USAA offers low insurance premiums on auto insurance policies as well as a wide range of discounts for those who are eligible. The companys customer satisfaction ratings and financial strength ratings are also some of the best in the industry.

    That being said, if youre in the military, dont automatically assume that USAA or Armed Forces Insurance will offer you the cheapest rates. You should still get quotes from other companies with military discounts before making a decision.

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    Serving Those Who Serve

    Our founder, Jack Taylor, selected the name Enterprise as a salute to the WWII aircraft carrier he served on, the USS Enterprise. Today, the Enterprise name is synonymous with the leadership and vision of the business. From our presence on military bases, to supporting service men and women in the community, its our honor to go the extra mile for the people who go above and beyond for our country.

    Does State Farm Offer Federal Employee Discounts

    State Farm Insurance also has a preference for federal employees, and they offer discounts for federal government employees as well as others who work in the public sector or serve their communities and states in a civil or political capacity. To learn more about State Farm, read our State Farm car insurance review.

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    Our Guide To Finding Discounted Auto Insurance Coverage As A Federal Employee

    Some drivers are surprised to learn that many car insurance companies offer discounts for federal employees. In fact, auto insurance premiums for federal employees is often far cheaper than premiums for other drivers.

    As part of our efforts to help every driver find a great auto insurance policy, we have created this comprehensive guide to auto insurance for federal employees.

    If you are already familiar with government employee car insurance discounts but just need to find some great rates, try out our free rate comparison tool below.

    Our experts have reviewed the nations top insurance providers, including Allstate, Progressive, State Farm and GEICO. We have thoroughly researched these insurers so that you can find the perfect policy for your driving needs.




    What Federal Programs Are Classified As Geico

    Car Insurance for Federal Government Employees

    There are many groups that are members of the Geico-sponsored marketing partner program. These groups are divided into seventeen categories.

    These categories are:

    • technical organizations
    • student organizations

    Some of the student organizations that qualify for this discount are the American Medical Student Association, the Golden Key International Honor Society, the National Society of Collegiate Scholars, and the American Student Dental Association.

    Some of the scientific organizations that are eligible for this discount include:

    • American Physical Society
    • American Association for the Advancement of Science
    • American Society for Clinical Laboratory Scientists
    • American Society for Cell Biology
    • American Society for Microbiology

    A vast number of alumni associations, educational organizations, and college fraternity and sorority organizations are eligible for this special Geico car insurance discount.

    Some of these groups include the American Library Association, American Mensa, the Association of American Educators, the American Montessori Society, Delta Kappa Epsilon, and the School Nutrition Association.

    The accounting and financial organizations that are eligible for this Geico car insurance discount are:

    • National Society of Accountants
    • Virginia Society of Certified Public Accountants
    • New York State Society of Certified Public Accountants
    • Investors Alliance, the Applied Underwriters
    • National Association of Credit Management
    • Greater Washington Board of Trade

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