Car insurance for civil servants

How much is car insurance for civil servants?

The average cost of car insurance for civil servants is $2,308 per year, or $192 per month, but cheaper rates are available. Grange Insurance has the cheapest rates for civil servants at $1,429.

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.

Average annual premium	Average monthly premium
$2,308	$192

Average car insurance cost for civil servants by company

Grange Insurance has the lowest average annual rate for civil servants among the insurers listed, at $1,429, while Safeway Insurance has the highest, at $3,321. Your actual premium depends on factors such as your location, driving record, vehicle and coverage choices, as well as whether occupation-based discounts are available to you.

This table shows the average car insurance rates for civil servants by insurer.

Company	Average base rate	Average rate for a civil servant	Dollar difference	Percentage difference
Country Financial	$2,298	$2,256	$42	2%
Farmers	$3,207	$3,184	$23	1%
GEICO	$2,159	$2,013	$146	7%
Grange Insurance	$1,512	$1,429	$83	5%
Mercury Insurance	$3,107	$3,051	$56	2%
Progressive	$2,569	$2,230	$339	13%
Safeway Insurance	$3,843	$3,321	$522	14%
Western National Insurance	$2,928	$2,826	$102	3%

Car insurance rates for civil servants by state

Car insurance rates for civil servants vary by state, with averages ranging from $1,482 in Maine to $3,534 in Nevada. Car insurance for civil servants may be less expensive in one state and higher in another due to differences in state laws and risk.

The table below shows the average cost of car insurance for civil servants by state.

Map

Table

State	Average base rate	Average rate for a civil servant	Dollar difference	Percentage difference
Alaska	$2,167	$1,875	$292	13%
Alabama	$2,116	$1,954	$162	8%
Arkansas	$2,942	$2,683	$259	9%
Arizona	$2,420	$2,258	$162	7%
Colorado	$3,181	$2,642	$539	17%
Connecticut	$2,742	$2,359	$383	14%
Delaware	$3,157	$2,691	$466	15%
Florida	$3,916	$3,187	$729	19%
Georgia	$2,503	$2,376	$127	5%
Hawaii	$1,757	$1,744	$13	1%
Iowa	$2,460	$2,165	$295	12%
Illinois	$1,938	$1,795	$143	7%
Indiana	$1,894	$1,586	$308	16%
Kentucky	$2,624	$2,391	$233	9%
Louisiana	$3,999	$3,515	$484	12%
Maryland	$1,999	$1,955	$44	2%
Maine	$1,808	$1,482	$326	18%
Mississippi	$2,397	$1,865	$532	22%
North Carolina	$2,638	$2,397	$241	9%
North Dakota	$2,439	$2,248	$191	8%
Nebraska	$2,095	$1,889	$206	10%
Nevada	$3,963	$3,534	$429	11%
Ohio	$1,783	$1,685	$98	5%
Oklahoma	$2,993	$2,895	$98	3%
Oregon	$2,048	$1,968	$80	4%
Rhode Island	$2,878	$2,403	$475	16%
South Carolina	$2,417	$2,029	$388	16%
South Dakota	$2,575	$2,487	$88	3%
Tennessee	$2,235	$1,927	$308	14%
Virginia	$1,835	$1,561	$274	15%
West Virginia	$2,415	$2,407	$8	0%

*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.

Car insurance discounts for civil servants

Civil servants pay an average of $2,308 annually after discounts, compared with $2,578 before discounts — a $270 difference, or about 10%. However, the amount of savings varies 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
$2,578	$2,308	$270	10%

How to get cheap car insurance as a civil servant

Civil servants looking for cheaper car insurance should compare quotes from multiple insurers, check occupation-based and other available discounts, and review their coverage limits and deductibles. A clean driving record, membership in eligible professional organizations, and paying the premium in full also offer opportunities to save.

“Educators and the military are the most common, but you can find a company that discounts for almost any field — though 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 premium 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.