Civil Servants Car Insurance

Civil servants are employees of the state or federal government, and their occupation may qualify them for certain auto insurance discounts. Civil servant car insurance rates can vary based on the kind of car being insured and where you live and work. Enter your ZIP code below to compare civil servant auto insurance quotes for free.

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Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently a professional writer.

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Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business. Brad is licensed in all P&C lines.

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Reviewed by Brad Larsen
Licensed Auto Insurance Agent Brad Larsen

UPDATED: Apr 15, 2022

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Things to know...

  • Civil servants who reside within the boundaries of the United States are required to obtain state mandated auto insurance just like other drivers
  • Besides comparison shopping, the next best method of lowering your auto insurance rates is taking advantage of the available discounts
  • Though many professions in the civil service attract auto insurance discounts, you are not necessarily entitled to lower auto insurance rates just because you are a state employee
  • For instance, law enforcement officers, fire fighters, and teachers are all civil servants
  • Ask your human resources director about companies that offer organizational auto insurance discounts for civil servants

The cost of living in the United States has been on the rise for the past few years. People are always looking for a way to reduce expenditure in their lives and save a dollar or two in the process.

When it comes to car insurance, taking advantage of available discount opportunities is one of the best ways of reducing costs.

However, depending on factors such as age, profession, and driving record, discounts are not always available. You might want to explore other effective methods of saving on car insurance such comparison shopping.

Go online, compare quotes from the various providers you are interested in until you find a policy that meets your requirements. Enter your zip code above to begin.

Car Insurance for Civil Servants


Civil servants are governmental employees — state or federal — charged with the responsibility of promoting the interests of the nation, both at domestic and international levels.

Typically, these professionals work for the US State Department.

Some of them travel to different places in the world in the commission of their duties.

Those who remain behind spend most of their time and energy playing their role in keeping the wheels of society turning smoothly.

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Where can civil servants purchase coverage?

This group of state employees that includes law enforcement officers, fire fighters, teachers, postal workers, et cetera can purchase car insurance pretty much anywhere.

There are some companies offering auto insurance exclusively for state employees; other carriers have auto insurance products designed to meet the needs of civil servants.

Civil Service Employee (CSE) Group, in particular, specializes in offering various insurance policies to civil servants. But you can still shop around with other insurers like:

  • State Farm
  • Progressive
  • Geico

Auto insurance providers that offer coverage for civil servants use this fact as their qualifying factor. It does not mean that you will get the best rates with them necessarily; you can obtain a standard policy from any auto insurance providers with better rates.

The secret? Compare as many quotes as you can.

Is auto insurance for civil servants cheaper?


In addition to the perks they enjoy as the federal government or state employees, they may join cooperative groups to attract group insurance benefits.

Though auto insurance rates are determined based on factors such as driving record, age, location, etc. and are largely similar among particular groups of people, civil servants have a better chance of reducing their auto insurance premiums, relatively.

That being said, note that being a civil servant doesn’t guarantee lower car insurance rates.

Many other different factors go into the decision of determining who qualifies for a discount.

For instance, police officers and fire fighters receive more auto insurance discounts than other professionals — teachers, government attorneys, diplomats, etc. — despite the fact that they all are civil servants.

Apart from discounts, you can bundle your policies, drop unnecessary coverage, or compare quotes when shopping for auto insurance to ensure that you are getting the best rates.

Organizational Discounts for Civil Servants

Organizational discounts present the best avenue for civil servants to lower their auto insurance rates.

Auto insurance providers work with organizations that pool civil servants into a large collection of people facing similar problems vis-à-vis car insurance and bargain better auto insurance rates with the best coverage for them.

Human resource directors in organizations often have information about organizational discounts so you can always approach them if you are not sure about which companies offer these deals.

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Assess Your Coverage


One of the most important things to ensure before you purchase coverage is that you are meeting your state’s auto insurance requirements.

Typically state-mandated coverage in not enough and you will probably need additional coverage. The amount of additional coverage you will need depends on the value of your car and whether it’s leased or refinanced.

If your car is a lease or is refinanced, you will be required to have collision and comprehensive coverage on top of the amount of auto insurance requirement in your state.

Be sure to check with the state’s department of insurance if you are not sure about how much insurance you are required to carry. 

You don’t want to find yourself in a situation where you cause an accident, but your auto liability level is too low to cater for the resulting damage or bodily injuries.

Add-On Coverage for Civil Servants

Coverage options such as extended medical cover, rental cars, towing, and roadside assistance as known as add-ons. These features are added to your policy, and they come at an extra cost, but they are worth every penny, just don’t select double coverage.

Add-ons can be very helpful if your car breaks down or you sustain severe injuries in an accident.

Compare car insurance quotes right here to see how much you could save on the coverage you need. Enter your zip code below to begin.



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