Auto Insurance for Government GS1-GS5 (Rates & Discounts)

Average rates for government GS1-GS5 auto insurance are $151 per month and $1,812 per year. If you're on the lower end of the GS payscale (and even if you're not), you can save on government insurance costs by asking about government GS1-GS5 car insurance discounts like the federal employee discount. You can also compare rates from at least three companies to make sure you're getting the best government GS1-GS5 auto insurance rates.

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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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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

UPDATED: May 20, 2021

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What You Should Know

  • As a part of determining the level of risk you pose to insurance companies, some insurance companies consider your occupation as a factor
  • Government GS1-GS5 auto insurance rates average $151 per month from companies like GEICO
  • As a federal employee, you may qualify for federal employee discounts as well as discounts for being a member of certain professional organizations, being an alumnus from participating universities, and more

As a government employee, you may be wondering if there are specific government insurance requirements and how much you should pay. So how much does government insurance cost? Can you get discounts as a government employee? And if so, which companies offer these discounts? Is affordable government GS1-GS5 auto insurance available?

Understanding auto insurance can help you understand how your job and lifestyle can affect your rates and what your occupation can mean for them. Read this article for more specifics on government GS1-GS5 auto insurance.

Before we get started, why not use your ZIP code in our free tool to start comparing government GS1-GS5 auto insurance rates right now.

What are average auto insurance rates for government GS1-GS5 employees?

Factors that can affect rates include average mileage and driving record and non-driving factors like age, marital status, ZIP code, education level, and occupation (which companies use to estimate risk and likelihood of drivers filing claims).

Government employees on the GS payscale between GS1 and GS5 are no exception, although a bill was introduced to Congress in 2019 to halt the practice of using non-driving factors as a way to adjust rates, so a change in government insurance policy could be coming.

We’ve listed average rates from GEICO for GS1-GS5 government employees. Take a look.

  • GEICO average monthly rate – $151
  • GEICO average annual rate – $1,812

Keep in mind these rates are a baseline, and what you pay will probably vary based on other factors, including those we noted earlier.

GEICO, or the Government Employees Insurance Company, was originally insurance coverage specifically for government employees, though anyone can purchase a policy from GEICO today, regardless of occupation.

As a government employee, you’ll be required to follow the same coverage laws as every other driver out on the road, meaning you’ll need at least liability coverage that meets the minimum limits set in your state.

Keep reading for ways to save on car insurance as a government employee.

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What auto insurance discounts are available for government GS1-GS5 employees?

There are several discounts government employees may qualify for, including membership in professional organizations, being an alumnus from participating schools, and even being a federal employee (some companies may also offer auto insurance discounts for state employees). Take a look at this table for discounts available by company.

Occupation-Based Discounts for Government Employees
Insurance CompanyOffers Federal Employee DiscountOffers Occupation DiscountOffers
Membership/Group Discount
Offers Students & Alumni Offers Offers Further Education Discount
21st CenturyNoNoNoNoNo
AAANoNoYesNoNo
AllstateNoYesNoNoNo
American FamilyNoNoNoYesNo
AmeripriseNoNoYesNoYes
AmicaNoNoNoNoNo
Country FinancialNoYesNoNoYes
EsuranceNoYesYesYesYes
FarmersYesYesNoNoNo
GEICOYesYesYesYesYes
Liberty MutualYesYesYesYesYes
MetLifeYesYesYesYesNo
NationwideNoYesYesYesYes
ProgressiveNoNoNoNoNo
Safe AutoNoNoNoNoNo
SafecoNoYesYesNoYes
State FarmNoNoNoNoNo
The GeneralNoNoNoNoNo
The HanoverNoYesYesNoYes
The HartfordNoYesYesNoNo
TravelersNoYesYesNoYes
USAANoNoNoNoNo
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You can also ask your insurance agent about other discounts you may qualify for that are unrelated to your occupation.

Beyond discounts, another way to save is on car insurance rates for government GS1-GS5 employees is to shop around. Getting multiple quotes can help you make sure you’re getting a fair price, and you can get your first free quote by using the tool on this page.

Auto insurance for Government GS1-GS5: The Bottom Line

Average car insurance rates for government employees in the GS1-GS5 pay scale range are $151 per month and $1,812 per year. Ways to save include asking about discounts and shopping around.

Whether you’re happy with your current coverage or not, it’s a good idea to shop and compare rates.

Ready to buy government GS1-GS5 auto insurance? Enter your ZIP code in the free tool on this page to start comparing government GS1-GS5 auto insurance quotes today.

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