State Employee Auto Insurance Discounts

State employee auto insurance discounts are offered by most car insurance companies. Auto insurance discounts for state employees are usually available to federal employees as well, especially if they are members of a specific membership organization.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Written by Rachel Bodine
Insurance Feature Writer Rachel Bodine

Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years Leslie Kasperowicz

UPDATED: Jun 6, 2022

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What You Should Know

  • State employee auto insurance discounts are available through some companies
  • Many times, discounts are available for state and federal employees alike
  • Many companies will allow you to bundle state discounts with other discounts offered, like multi-policy

As a government employee, you may be entitled to state employee auto insurance discounts. In certain cases, state employees may receive a discount on car insurance. Today, we’re explaining everything you need to know about auto insurance discounts for state employees.

It’s nice to know that your occupation can come in handy when it comes to your auto insurance.

Even though some companies will give you a discount as a state employee, you might get a better deal by finding auto insurance quotes online.

Get a state-employee auto insurance quote today. Enter your ZIP to start shopping around for cheap car insurance for state employees.

Some State Government Employees Are Eligible for Auto Insurance Discounts

Do state employees get discounts on car insurance? Do federal employee auto insurance discounts extend to discounts for state government employees as well?

As a state employee, you may be eligible for certain discounts, including many of the same federal employee car discounts. Some of the biggest car insurance companies in America are happy to provide discounts to government employees regardless of whether they are employed by the federal, state, or municipal government.

Let’s look at some general insurance rates for occupations. This table shows you GIECO car insurance rates for some government occupations.

GEICO Average Auto Insurance Rates by Occupation
OccupationsGEICO Average Monthly RatesGEICO Average Six-Month RatesGEICO Average Annual Rates
Military Officer (Air Force O1)$139.47$836.80$1,673.60
Retired Miltary (Air Force O6)$139.47$836.80$1,673.60
Military E5$145.85$875.10$1,750.20
Government GS1-GS5$151.00$906.00$1,812.00
Government GS6 or higher$151.00$906.00$1,812.00
Military E1 - E4$152.57$915.40$1,830.80
Police Officer$157.98$947.90$1,895.80
Security/Prison Worker$165.33$992.00$1,984.00
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With GIECO, after any discounts, auto insurance rates for government employees will average $150 a month. Some companies will offer you up to a 20 percent discount on state employee auto insurance rates so it’s possible to get even lower rates.

Not all state employees will be eligible for car insurance discounts, however. As a general rule, employees who are part of a specific group can take advantage of membership discounts available for auto insurance.

Sample membership organizations include:

  • National Federal or Federal Employees
  • Federal Law Enforcement Officers Association
  • Federal Physicians Association
  • Federal Managers Association

Watch this video to learn more about GIECO insurance employment and organization discounts like the GIECO law enforcement discount.

In addition, employees of certain government departments or organizations may be eligible for unique discounts. Your insurance agent can provide a GIECO employee discounts list.

If you are an employee of the Department of Transportation, Department of Interior, Department of Education, Federal Reserve, USPS, or the FBI, for example, then you may be eligible to take advantage of auto insurance discounts.

Cops, nurses, physicians, engineers, and those employed in other professions may also be eligible for state government employee car insurance discounts.

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Which companies offer discounts for state employees?

Car insurance companies vary widely in terms of state government employee discounts. Some car insurance companies offer steep discounts to state government employees, while others only offer small discounts.

Car insurance companies can vary by state as well. A car insurance company might offer a state employee discount in one state, for example, but no discount in another state.

Major insurance companies that tend to offer discounts for state employees include all of the following:

  • Liberty Mutual
  • Farmers
  • Travelers
  • Nationwide

GEICO tends to be one of the best car insurance companies for state and federal government employees. ‘GEICO’ stands for Government Employees Insurance Company, and the company originally only accepted government employees.

So, is GIECO only for government employees?

Today, GEICO accepts policyholders from across the spectrum, although they continue to offer discounts to state and federal government employees.

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.

It’s 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 you’re 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.

How to Save Money on Auto Insurance as a State Employee

Some car insurance companies offer specific discounts to state employees. However, there are other ways to save money on car insurance beyond being a state employee. Consider all of the following, for example:

Compare Quotes: Wherever you like in America, you should have plenty of choices for car insurance companies. If one company is over-charging for car insurance, switch to a different provider. Compare quotes online to find the best rates as a state employee.

Use Insurer Telematics Systems: Insurance companies in America now can install telematics driver tracking systems that allow drivers to pay less for car insurance based on their driving habits. You can save anywhere from 10% to 40% by installing a temporary telematics system on your vehicle.

This discount is available to all drivers, but state employees might particularly benefit from telematics systems because of their stable jobs, predictable commutes, average annual mileage, and safe driving habits.

Bundle: Bundling multiple insurance policies together can help you save hundreds — even thousands — of dollars per year. Bundle your home and auto insurance policies with the same company to save money.

Choose the Coverage You Need: Some drivers need comprehensive coverage — say, if their vehicle is ten years old or newer. If you have an older vehicle, however, then you may be able to safely drop comprehensive coverage. Take a close look at your insurance policy to ensure you’re only paying for exactly what you need — nothing more or less.

Look for Preferred Occupation Discounts: Some car insurance companies do not offer specific discounts to state government employees, but they do offer auto insurance discounts from your job.

If you have a specific occupation associated with safer driving habits, then you may be eligible for certain discounts. Engineers, teachers, nurses, firefighters, police officers, military personnel, doctors, and other professions may be entitled to preferred occupation discounts whether working for the state government or a different employer.

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If you are looking for affordable state employee auto insurance, car insurance companies may offer specific discounts for state employees — or any government employee. Companies like GEICO are known for offering discounted rates for state and federal government employees, for example. You can also check online for Progressive federal employee discounts, State Farm federal employee discounts, or AAA auto insurance federal employee discounts.

Before you buy state employee auto insurance, compare car insurance quotes online today to make sure you are paying the lowest possible rates and are eligible for a car insurance government discount. Enter your ZIP to get quotes for state discounts on car insurance.

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