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Some drivers are surprised to learn that many auto insurance companies offer discounts to federal employees. In fact, auto insurance premiums for federal employees are often far cheaper than premiums for other drivers.
As part of our effort to help every driver find an excellent auto insurance policy, we've created this comprehensive guide to auto insurance for federal employees.
If you're already familiar with government employee car insurance discounts but just need to find great rates, try our free price comparison tool above.
Our experts reviewed the top insurance carriers in the country, including Allstate, Progressive, State Farm and GEICO. We've thoroughly researched these insurance companies so you can find the perfect policy for your driving needs.
Are there car insurance discounts available to federal employees?
Yes, there are some great auto insurance discounts available specifically for federal employees. In fact, some programs were originally established to provide coverage for government employees. Providers offer these auto insurance discounts to attract a large number of drivers who work as federal employees.
Many insurance companies are willing to offer these discounts because government employees are not considered risky drivers. This means that there is little chance of an official causing an accident. Fewer claims mean car insurance companies can make more money on your policy.
Please note that not all civil servants are eligible for these discounts. Each auto insurance company has a unique list of federal jobs that will qualify for specific insurance coverage.
Some common careers that qualify for auto insurance for federal employees include federal police officers, health care workers, and military personnel.
Which insurance providers offer discounts to federal employees?
There are no providers that exclusively offer auto insurance for federal employees. Instead, many major insurance companies offer federal employee discounts. Members of the military are almost always eligible for these discounts. Other government careers eligible for special rates vary by provider and state.
GEICO is one of the most well-known companies that offers discounts to federal employees. In fact, the name GEICO itself actually stands for Government Employees Insurance Company.
Although no company exclusively insures federal employees, USAA only works with active or retired members of the U.S. armed forces and their immediate family members. This focus and specificity enables the company to offer good prices and superior customer service.
USAA even offers usage-based plans that are good for active duty military members.
What jobs qualify for discounts on federal employee auto insurance?
There are no national regulations that describe auto insurance for federal employees. As a result, each private insurance company is free to create its own discount policy for federal employees.
In general, certain roles qualify for government employee discounts with most insurance providers. It includes:
- Federal Police
- Healthcare workers
- Military members
- Officials working for public authorities
Although these broad career categories often qualify for federal employee discounts, each insurer may define these roles differently. For example, a state health professional may only include physicians with a bachelor's degree or higher.
In addition, auto insurance companies may extend these discounts to state and local government employees, such as municipal police or firefighters.
What other auto insurance discounts are available to government employees?
While working for a government agency can certainly open the door to big discounts, it's not the only way to save money on insurance premiums. There are many other factors that affect your car insurance rates, including age, gender, marital status and location.
While you may not have control over all of these factors, different insurance companies weigh each factor slightly differently. For example, one provider may place more emphasis on where you live and crime in your area. Therefore, we recommend getting several offers from the best suppliers.
Although some of the above factors are completely out of your control, you can offset these additional costs by taking advantage of opportunities to lower your insurance premiums. For example, you can pay your 6-month insurance premium in advance. Many car insurance companies offer a discount for prepayment.
You can also save money by bundling your coverage. For example, if you combine your home or renter's insurance with your auto policy, you'll likely get a discount.
Many car insurance companies offer other savings options, including:
- Safe driver discount
- Discount for low mileage
- Discount for multiple drivers
- Discount for multiple policies
- Discounted rates for completing defensive driving courses
As you can see, there are many discount options to add to the cost of already cheap car insurance for federal employees. Be sure to research and shop.
It is also important that you strive to maintain a clean driving record as this can save you hundreds of dollars in car insurance coverage each year.
Our recommendations for car insurance
If you're looking for auto insurance for federal employees, you've come to the right place. Now that you know the details of federal employee discounts, it's time to compare offers. Although there are many ways to search for the perfect provider, using our comparison tool is a free and easy option. Just enter your zip code and try.
When you use our price comparison tool, you'll receive multiple car insurance quotes in minutes. These quotes come from trusted auto insurance providers like USAA and GEICO. Find out what our experts have to say about these top quality providers below.
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USAA: Top military supplier
USAA received the title of "Best Military Supplier". This well-known company exclusively covers retired and active members of the Armed Forces and their close relatives.
USAA is known for its excellent customer service and usage-based coverage options. Whether you need full coverage or basic liability insurance, USAA can be a good choice.
Unfortunately, USAA coverage is not available to non-military federal employees.
GEICO: Best Overall
Many consumers don't realize that GEICO is actually an acronym that stands for "Government Employees Insurance Company." That's because the company started by offering insurance to federal government employees. True to its roots, GEICO still offers deep discounts to government employees.
GEICO is also a good option for other drivers. Our experts rated it as our best overall carrier, giving it a cumulative score of 9.1 out of 10. GEICO also offers carpool insurance, mechanical breakdown coverage, and several other unique discounts not available with all carriers.
QUESTIONS:
Is GEICO cheaper for government employees?
GEICO is not necessarily cheaper for government employees. However, GEICO remains an excellent all-around insurance provider. Offers government employee discounts and flexible plan options. The best way to find out if it's the cheapest option for you is to compare quotes from GEICO and other insurance companies.
Which insurance companies offer discounts to federal employees?
Several major insurance companies offer discounts to federal employees. You can find out about these discounts by talking to insurance agents or visiting each company's website. Major providers like GEICO and Progressive are especially known for offering such discounts.
Why is it important to compare offers from different suppliers?
Comparing multiple auto insurance quotes is one of the best ways to find an affordable policy. While almost all insurance companies assess the same risk factors, each provider weighs them slightly differently.
For example, if you have a traffic violation on your driving record, some providers may not penalize you as severely as others in terms of your rates.
Are federal employees eligible for USAA?
Unfortunately, not all federal employees qualify for USAA auto insurance. Currently, USAA is only available to retired or active duty members of the US Armed Forces and their immediate family members.
FAQs
Auto Insurance For Federal Employees (2023) | Automotive blog? ›
Can I get a discount on my auto insurance by being a federal employee? Yes, there are car insurance discounts uniquely available to federal employees. If you can't find these with your current provider, you may still be able to take advantage of other discount programs, like safe driver or loyalty discounts.
Do federal government employees get discounts on car insurance? ›Can I get a discount on my auto insurance by being a federal employee? Yes, there are car insurance discounts uniquely available to federal employees. If you can't find these with your current provider, you may still be able to take advantage of other discount programs, like safe driver or loyalty discounts.
Is GEICO for government employees only? ›GEICO was founded with the intention of offering insurance coverage specifically to government employees, but its mission has changed over the years and it now offers coverage to everyone, regardless of their type of employment.
Do federal employees qualify for USAA insurance? ›Do federal employees qualify for USAA? Unfortunately, not all federal employees qualify for USAA auto insurance coverage. Currently, USAA is only available to retired or active members of the United States Armed Forces and their immediate family members.
Do federal employees get AAA discount? ›Auto Insurance Discounts for Federal Employees
Both Geico and AAA offer discounted auto insurance for Federal employees. AAA has even gone a step further by allowing you to stack up with ongoing promotions.
Currently, there is no State Farm federal employee discount, nor is there a Progressive federal employee discount listed anywhere among the company's discounts. Here's a look at several companies with federal employee discounts and discounted rates for members of the military.
Why is GEICO called government employees? ›In 1936, Leo and Lillian Goodwin started an insurance company to serve federal government employees. They saw federal employees as good risks and soon moved the company to Washington, DC. That company was Government Employees Insurance Company, or GEICO.
What insurance do federal employees have? ›Federal Employees Health Benefits (FEHB) Program http://www.opm.gov/healthcare- insurance/healthcare/ FEHB provides comprehensive health insurance. You can choose from fee-for-service plans, health maintenance organizations, consumer-driven plans and high deductible health plans.
Do federal employees get airline discounts? ›Federal employees are able to receive discounts from some big-name retailers, car rental companies, airlines, wireless carriers, and others for their service as government employees.
What is the best life insurance for federal employees? ›FEGLI basic insurance is best for: Federal employees (they are automatically enrolled) Breadwinners who need final expenses covered.
Are federal employees considered federal government employees? ›
Who are federal employees? Federal employees are individuals who work for the federal government. This includes politicians, judges, and heads of departments such as Labor and State. Federal employees can also be civilians who work government jobs in areas like law enforcement, public health, science and engineering.
Are DOD employees considered federal employees? ›The Department of Defense (DOD) has a vast number of job opportunities across a multitude of career paths and geographic locations. As a current or prior Federal employee, there are many options for finding your fit with DOD.
Who is not eligible for USAA insurance? ›USAA insurance is only for military members' and veterans' direct family members. Anyone besides a current or former spouse and children will not be eligible for USAA insurance coverage.
Do government employees get a discount at Costco? ›Costco Wholesale: Public service employees can get a $20 Costco Shop Card when they sign in and verify with ID.me. Available only for those who register for a new Costco membership for the first time (source).
Do federal employees get a discount at Disney World? ›While there are no specific government employee discounts offered, you can find a variety of deals and special offers through the Walt Disney World website. Be sure to check out the Special Offers, Deals, and Discounts page to see if any current promotions are available for your upcoming dates.
Do federal employees get a Verizon discount? ›Verizon Wireless offers all government employees benefits and discounts. Government employees may receive the 15% employee discount on voice plans of $34.99 and above and 20% discount on select data plans.
How much is premium pay for federal employees? ›Description. An employee is entitled to 25 percent of his or her rate of basic pay for work performed during a regularly scheduled basic 8-hour tour of duty that begins or ends on a Sunday.
Do federal employees get discounts on hotels? ›Federal government employees can take advantage of special rates* within their allowable per diem at participating Wyndham Hotels & Resorts in the U.S. Book your government rate hotel today to experience our comfortable rooms and welcoming service.
What can federal employees bargain over? ›Agencies have to bargain with unions over all matters affecting working conditions, with certain exceptions. The exceptions include: matters going to the heart of managing the enterprise, such as establishing the basic budget; matters already set by law or government-wide regulations; and classification matters.
What are government employees called? ›A civil servant, also known as a public servant, is a person employed in the public sector by a government department or agency for public sector undertakings. Civil servants work for central and state governments, and answer to the government, not a political party.
Does Warren Buffett own GEICO insurance? ›
Geicois owned by Berkshire Hathaway, which is led by well-known investor Warren Buffet. Warren Buffett has owned shares of Geico stock since 1951, and Geico became a wholly-owned subsidiary of Berkshire Hathaway in 1996.
What is the GEICO slogan 15 minutes? ›Geico's famous slogan, "Fifteen minutes could save you 15% or more on car insurance," said by its gecko mascot, is now a part of American culture.
How much will FEHB premiums go up in 2023? ›OPM recently released a first look at the 2023 Federal Employees Health Benefits Open Season and employees and annuitants will, on average, pay 8.7% more in FEHB premiums next year, the largest percentage increase in the last decade.
How many years do you have to work for the federal government to retire? ›| Types of Retirement | Age | Years of Service |
|---|---|---|
| Optional (Voluntary) | MRA 60 62 | 30 20 5 |
| Early Out (Voluntary) | 50 Any | 20 25 |
| Discontinued Service (Involuntary) | 50 Any | 20 25 |
| Disability | Any | 18 months |
Your FEHB coverage will continue whether or not you enroll in Medicare. If you can get premium-free Part A coverage, we advise you to enroll in it. Most Federal employees and annuitants are entitled to Medicare Part A at age 65 without cost.
Do federal employees get TSA PreCheck free? ›Yes. Members of the U.S. Armed Forces and DoD Federal civilians can use TSA PreCheck® benefits for both official and personal travel.
Do federal employees get into national parks free? ›For one full year, the pass is good for free admission at any site that charges entrance or standard amenity fees, including thousands of outdoor recreation sites operated by the Forest Service, National Park Service, Fish and Wildlife Service, Bureau of Land Management, Bureau of Reclamation and U.S. Army Corps of ...
Can federal employees use government hotel rate for personal travel? ›The traveler must use a 41 Page 4 U.S. Department of Justice Policy Statement 1400.04 personal credit card, not the IBA, to pay for lodging for personal travel. The traveler may use the Government rate for personal travel if the hotel offers such rate when the traveler is on personal travel. Section 301-41.060.
What is the largest federal health insurance? ›The Centers for Medicare & Medicaid Services (CMS) is the single largest payer for health care in the United States.
Do federal employees have automatic life insurance? ›Unless they waive coverage, most Federal employees have Basic Life Insurance under the Federal Employees' Group Life Insurance Program. Basic Life Insurance is equal to the actual rate of annual basic pay (rounded to the next $1,000) plus $2,000, or $10,000, whichever is greater.
What happens to my federal life insurance when I retire? ›
No Reduction: your Basic coverage does not reduce. You maintain the same amount of Basic coverage you had when you stopped being enrolled as an employee. There is a larger extra premium for this choice that you will continue to pay until you die, switch to 75% Reduction, or cancel Basic.
Are federal employees getting a raise in 2023? ›The figure marks an increase over the 4.6% pay hike feds received in 2023, and would be the highest proposed pay hike federal workers have seen since the Carter administration implemented a 9.1% average pay increase in 1980.
Which federal agency has most employees? ›The largest department in the federal government is the Department of Veterans Affairs. This department comprises about 16% of the total federal government workforce. In total, there are 285,735 permanent employees currently working for this department.
Which state has the highest percentage of government employees? ›| State | Value | Rank |
|---|---|---|
| Nevada | 362.3 | 1st |
| Arizona | 383.7 | 2nd |
| Florida | 408.9 | 3rd |
| Michigan | 417.8 | 4th |
That's about 1.5 percent of the nearly 133 million workers BLS counted in all industries in the United States. But total federal employment varies, depending on which workers are counted.
Are USPS employees federal workers? ›As a postal worker, you must follow federal rules, and you receive federal benefits. However, the U.S. Bureau of Labor Statistics doesn't consider postal workers federal employees because the postal service is a quasi-federal agency.
Is a veteran considered a former federal employee? ›5. When applying for civil service positions in the Federal Executive Branch, am I considered a former Federal employee for having served in the armed forces? Answer. No.
Why am I not eligible for USAA auto insurance? ›USAA requires it's members to be active, retired or honorably separated officers of the US military. If you're not directly affiliated with the military, you can qualify if you're a spouse, parent (step-parent, or legal guardian) or parent-in-law.
Can anyone get car insurance from USAA? ›USAA sells car insurance exclusively to members of the military community, but drivers who don't qualify for USAA might try Geico or State Farm.
Is USAA still military only? ›Who can join USAA? Our products and services are open to current and former military and their spouses. Children of USAA members can join, too.
Do federal employees get discounts anywhere? ›
Federal employees can enjoy excellent discounts from leading cell phone carriers such as T-Mobile, Verizon, and AT&T on both phone plans and other accessories. These discounts range between 5%-20% and most companies are willing to combine special offers with discounts.
Do you get free Costco membership as an employee? ›“Does a Costco employee get a free membership?” is the top question people wonder about being a Costco employee, and the answer is … yes. Employees get one free Costco membership for themselves, plus three additional free memberships for others. So choose your three wisely.
How do I get a free Costco membership? ›Costco doesn't offer free or discounted memberships, but rest assured that the cost of membership can be recovered quickly thanks to massive price savings once you start shopping.
Do federal employees get theme park discounts? ›AFGE members are eligible to take advantage of discounts and special offers for theme parks and attractions nationwide including: Movie Tickets at 15 different theater chains including Regal and AMC! Walt Disney World® Resort. Universal Studios.
Can I get into Disney World for free if I work at Disneyland? ›Theme Park Experiences
Complimentary theme park admission for full-time and part-time positions after two weeks of employment.
Your two Complimentary Tickets will be delivered electronically once per year (Winter). There is a specific site for Disney Retirees at disneyretiree.com, and you can click on the Admission Privileges tab for additional information.
Do federal employees get mortgage discounts? ›Programs such as Hero Home Programs, Public Servant Next Door, and Mortgages for Champions offer grants, discounts, and benefits to help government employees achieve homeownership.
Do federal employees get college discounts? ›Benefit: Federal Employee (FEDEM) Grant equivalent to a 10 percent tuition discount. The application fee will be waived.
What benefits do federal government employees get? ›- Health insurance. Most employees are eligible for the Federal Employee Health Benefits Program (FEHB). ...
- Dental and vision insurance. Most employees are also eligible for the Federal Employee Dental Vision Insurance Plan (FEDVIP). ...
- Life insurance. ...
- Long-term care insurance. ...
- Flexible spending accounts.
Generally, premiums are shared by you and your Federal agency. Premiums vary by plan but generally you pay about 30% and your agency pays about 70%. ? Paying premiums pre-tax (known as premium conversion) allows Federal employees to use pre-tax dollars to pay premiums for the FEHB Program.
Can federal employees accept discounts? ›
Small gifts from family or close friends are usually acceptable. Gifts such as food, desserts, coffee, and discounts that apply to all government workers are also not considered unethical, because the giving of small gifts will likely not cause the public to distrust the government's integrity.
Who gets a government discount? ›Federal employees are able to receive discounts from some big-name retailers, car rental companies, airlines, wireless carriers, and others for their service as government employees. Check out the list below for some of the best federal employee discounts in 2023.
What is the best age to retire from the federal government? ›Did you know that claiming benefits at age 62 results in a 30% permanent reduction in benefits? Social Security benefits also increase by 8% per year each year you delay taking benefits between age 67 to the maximum benefit age of 70.
How many years do you have to work for the federal government to get a pension? ›You must work at least 5 years with the Federal Government before you are eligible for a FERS Federal Pension, and for every year you work, you will be eligible for at least 1% of your High-3 Average Salary History. Automatic deductions that can range from .
How much will FEHB go up in 2023? ›OPM recently released a first look at the 2023 Federal Employees Health Benefits Open Season and employees and annuitants will, on average, pay 8.7% more in FEHB premiums next year, the largest percentage increase in the last decade.
What is the most popular federal employee health insurance? ›1 Nationally for Federal Employee Health Benefits. Albany, NY – February 3, 2021 – CDPHP is proud to announce that it is ranked No. 1 in the nation for federal employee health benefits (FEHB) for the second year in a row.
Can federal employees keep their insurance after retirement? ›Yes, you can keep your existing health benefits coverage if you meet all of the following conditions: You're enrolled in health care insurance under a federal plan when you retire.
How much money can a federal employee receive as a gift? ›You may accept unsolicited gifts that do not exceed $20 per occasion, up to $50 aggregated from a single source in any given calendar year. You may not accept cash or checks made out to you under any circumstance. Gift cards valued at $20 or less for specific vendors/restaurants are permissible.
What is the gift limit for federal employees? ›Gifts of $20 or less per occasion, not to exceed $50 in a year from one source; Opportunities and benefits that are offered to members of a group unrelated to government employment; Awards and honorary degrees (but these require prior approval of the component head).
What can you not do as a federal employee? ›Employees shall not engage in outside employment or activities, including seeking or negotiating for employment, that conflict with official Government duties and responsibilities. Employees shall disclose waste, fraud, abuse, and corruption to appropriate authorities.
What airlines offer federal employee discounts? ›
Major airlines such as United, Delta, JetBlue, and Southwest all offer discounted fares that federal employees can use while booking a flight.
Do government employees get a discount on Costco membership? ›Teachers - $30 digital Shop Card. Medical Professionals - $30 digital Shop Card. First Responders - $30 digital Shop Card. Government Employees - $20 digital Shop Card.