Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Reviewed by Jeffrey Johnson
Insurance Lawyer

UPDATED: Jul 14, 2021

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In a nutshell...

  • Discounts vary from state to state, but some common cuts include around 8 percent of the total cost of car insurance
  • Anyone who works for a federal government office or bureau is a federal employee
  • Such common discounts may include good driver discounts, multiple car discounts, and anti-theft device discounts

Most people welcome discounts on any monthly bill, and car insurance discounts are no exception. Common discounts include vehicle safety equipment and good driving records, but many people can also receive discounts based on where they work.

For instance, federal employees can get car insurance discounts because they are current or former employees of the federal government.

Damages to an automobile and injuries sustained in an accident can include some very high costs.

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Are there special car insurance discounts for federal employees?

Car insurance companies look for risk markers such as age, past driving history, and an applicant’s credit history to help to determine how likely a driver will be to get into an accident.

Markers that show good choices and sound decision-making skills can equate to drivers that are more cautious and fit a lower risk profile.

Federal employees have more stringent background checks before being hired than most of the general population.

These background checks generally weed out applicants that have criminal records, poor credit histories or other negative issues in their backgrounds.

Thus, in the eyes of car insurance companies, federal employees are more likely to be cautious drivers than those in the general population and often extend discounts to the group as a whole.

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Who is considered a federal employee?

Anyone who works for a federal government office or bureau is a federal employee.

Ordinary offices or bureaus of the federal government include:

  • Federal Bureau of Investigation
  • Internal Revenue Service
  • U.S. Postal Service
  • Military Members
  • Federal Judges and Prosecutors

Most employees who are a part of the executive and legislative branches of the U.S. government are considered federal employees.

Such employees might be the President, cabinet member, senators, governors and accompanying aides.

Generally, only federal employees who work full time or in a permanent position are eligible for discounts with car insurance companies.

Temporary workers, such as census takers, are not eligible for the discounts because they are considered temporary or contract workers.

Many jobs such as a teacher or a police officer are considered as state employees and thus are not eligible for a federal employee discount for auto insurance.

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.

How much are discounts for federal employees?

Discounts vary from state to state, but some common cuts include around 8 percent of the total cost of car insurance.

If an applicant’s yearly premium is $1,000, then an 8 percent discount will take $80 off the cost of the premium. With the cut, a federal employee’s car insurance premium would be $920.

Discounts will vary depending on regional factors, and the total cost of a premium will be decided by many other factors than just being a federal employee.

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Are federal employees also eligible for the same discounts offered to the general population?

Generally, federal employees are eligible for all of the same discounts that are offered to the general population and can combine many of these discounts to end up with pretty affordable coverage.

Such common discounts may include good driver discounts, multiple car discounts, and anti-theft device discounts.

However, a discount for federal employees usually cannot be combined with a different cut that is also meant for federal employees.

For instance, a discount for retired federal employees and a discount for military veterans usually cannot be combined for a higher discount even though both may apply to the applicant.

The applicant must choose one of the discounts, but the insurance provider will most often allow the applicant to take the higher premium.

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