No matter if you work for the CIA, the Treasury Department, Homeland Security, or the postal service, you are considered a federal employee. As a federal employee, you qualify for certain perks from different stores and organizations. There are numerous government employee incentives, from discounts on cell phone service and rental cars to reduced hotel rates. Additionally, federal employees might also qualify for a significant discount on auto insurance rates. The national average for car insurance premiums is around $1,500 for an entire year. Federal employees might be able to save up to 10 percent on their annual rates. You can get an auto quote from Insurance Navy to find a policy that fits your budget. 

Whether you are a federal employee or not, most drivers are required to carry some auto insurance. The majority of states require that all drivers maintain a minimum amount of liability insurance to operate a motor vehicle on the road legally. These laws are in place to protect other drivers on the road in the event of an accident. Liability insurance provides coverage for bodily injury and property damage claims made by another driver if you are found to be at fault in a car accident. Liability coverage will not cover you or your car in an at-fault accident. As a result, many drivers choose to purchase additional collision and comprehensive coverages.

Comprehensive and collision coverage is also known as full coverage as it provides financial protection for you and your car no matter who is at fault in an accident. Additionally, full coverage insurance policies will also cover non-accident-related auto damages that result from things such as theft, vandalism, and acts of nature. Comprehensive and collision insurance rates are typically higher than liability-only policies. A discount on auto insurance for federal employees could help you lower your premiums for full coverage.

As discussed, federal employees need auto insurance just as any other driver does. With mandatory liability insurance requirements in most states, you will have to maintain the minimum coverage amounts. Additionally, if you are leasing or financing a car, your financial institution will require that you carry full coverage for as long as you have an outstanding balance on your loan. As a federal employee, you may qualify for a discount on your premium amounts no matter if you only carry liability or opt for full coverage.

Typically, you can find insurance discounts for veterans and active-duty military members with most insurers. You can find government employee discounts, however, with companies such as Liberty Mutual and GEICO. Nationally, federal employees with Liberty Mutual paid an average of around $860 for six months, while those with GEICO paid about $600. Federal employees can get up to a 10-percent discount with a few national insurance companies.

Whether you are a federal employee or not, the best way to find rates and policies that fit your needs is to compare your options. An online comparison tool will allow you to put in some basic information and then preview a list of quotes from various insurance companies. Once you receive your results, you will be able to compare rates, plans, coverage amounts, and insurance companies. Additionally, you can sort through all of the companies that will offer a federal employee discount for even lower rates.

Insurance companies set rates based on several factors such as your age, driving record, location, and type of vehicle. In some cases, you could end up paying significantly more or less for insurance based on your circumstances. Federal employees can receive auto insurance rate discounts ranging from 8 to 10 percent to save on premiums. With some research and comparison shopping, you can find the discounts, rates, and plans that fit your situation.