How much is car insurance for civil servants?
The average cost of car insurance for civil servants is $1,813 annually, but cheaper rates are available. Grange Insurance has the cheapest rates for civil servants at $1,046.
Your occupation may affect car insurance costs with low rates or additional discounts. Since insurance rates vary significantly by state and company, civil servants can find cheap car insurance by comparing rates from multiple companies.
The table below shows the cheapest car insurance rates for civil servants. Use the dropdown option to compare rates by state and insurer.
| Average annual premium | Average monthly premium |
|---|---|
| $1,813 | $151 |
Average car insurance cost for civil servants by company
Car insurance rates for civil servants vary between companies. Each insurer has its own formula for calculating risk, so rates can vary significantly.
Grange Insurance offers the cheapest car insurance rates for civil servants, and Progressive has the most expensive rates.
This table shows the average car insurance rates for civil servants by insurer.
| Company | Average base rate | Average rate for civil servant | Dollar difference | Percentage difference |
|---|---|---|---|---|
| GEICO | $1,757 | $1,586 | $171 | 9% |
| Grange Insurance | $1,154 | $1,046 | $108 | 10% |
| Progressive | $2,320 | $2,021 | $299 | 13% |
Car insurance cost for civil servants by state
Car insurance rates vary significantly by state due to different insurance requirements and weather-related factors. So, while car insurance for civil servants may be less expensive in one state, rates may be higher in another.
The table below shows the average cost of car insurance for civil servants by state.
| State | Average base rate | Average rate for civil servant | Dollar difference | Percentage difference |
|---|---|---|---|---|
| Alabama | $1,904 | $1,696 | $208 | 11% |
| Arizona | $1,599 | $1,415 | $185 | 11% |
| Arkansas | $2,281 | $2,171 | $110 | 5% |
| Colorado | $2,059 | $1,906 | $153 | 7% |
| Connecticut | $1,403 | $1,268 | $136 | 10% |
| Delaware | $1,569 | $1,304 | $265 | 17% |
| Florida | $3,164 | $2,689 | $475 | 15% |
| Illinois | $1,702 | $1,420 | $282 | 17% |
| Indiana | $1,535 | $1,299 | $237 | 15% |
| Iowa | $1,777 | $1,531 | $246 | 14% |
| Kentucky | $2,050 | $1,811 | $239 | 11% |
| Louisiana | $3,415 | $2,941 | $474 | 14% |
| Maine | $1,123 | $952 | $171 | 15% |
| Maryland | $1,752 | $1,474 | $278 | 16% |
| Mississippi | $3,336 | $2,875 | $462 | 14% |
| Missouri | $3,466 | $2,979 | $486 | 14% |
| Nebraska | $3,365 | $2,894 | $471 | 14% |
| Nevada | $1,926 | $1,797 | $129 | 6% |
| North Carolina | $1,603 | $1,528 | $74 | 5% |
| North Dakota | $1,451 | $1,295 | $155 | 11% |
| Ohio | $1,079 | $943 | $137 | 12% |
| Oklahoma | $2,387 | $2,194 | $193 | 8% |
| Oregon | $1,544 | $1,471 | $73 | 5% |
| Rhode Island | $2,113 | $1,772 | $341 | 16% |
| South Carolina | $2,227 | $2,075 | $151 | 7% |
| South Dakota | $3,971 | $3,413 | $558 | 14% |
| Tennessee | $2,290 | $1,974 | $316 | 14% |
| Utah | $1,568 | $1,360 | $208 | 13% |
| Virginia | $2,119 | $1,792 | $327 | 15% |
| Wisconsin | $1,293 | $1,121 | $172 | 13% |
*Some state rates will vary based on the addition of a hurricane deductibleThe deductible is the amount you pay out of pocket for a covered loss when you file a claim. and may be much higher when included.
It’s important to note that not all states permit occupation to be taken into account when calculating car insurance rates. In those states, professional discounts are not available.
Car insurance discounts for civil servants
On average, you can save 12% with a car insurance discount for civil servants. However, the savings amount may vary by insurer.
Some carriers offer car insurance discounts based on a driver’s occupation. Because each car insurance company offers different discounts, finding savings based on your profession may be challenging.
| Premium before discount | Premium after discount | Dollar savings | Percentage savings |
|---|---|---|---|
| $2,058 | $1,813 | $245 | 12% |
How to get cheap car insurance as a civil servant
Even as a civil servant, it can be challenging to save money on car insurance.
“Educators and the military are the most common, but you can find a company that discounts for almost any field, but it doesn't mean that it'll add up to a meaningful amount,” says Zack Pope, agency manager at David Pope Insurance in Union, Missouri. “Some states also do not allow for rating on job fields because of ethics. We have several companies that just ask if the person is employed or not.”
Fortunately, there are other ways to save on car insurance besides lower rates and discounts for your profession.
First, check for other car insurance discounts you may be eligible for. For example, you may qualify for savings such as safe driver, multi-policy and paying your premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods. in full. Most insurers allow you to stack discounts for the most significant savings.
Next, consider joining a professional organization. Some insurers, such as GEICO, offer discounts to drivers who are members of specific organizations.
Additionally, your personal factors affect car insurance rates. Consider adjusting coverage limits and deductibles to lower rates. Maintaining a clean driving record and a high credit score can also help you save on car insurance.
Finally, compare rates from multiple companies to find the cheapest car insurance for civil servants. Consider rates, discounts, and coverage to find the best insurer for your needs.
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