Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Mar 19, 2020

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The lowdown...

  • Large numbers of civil servants use the roads of the nation for transportation
  • These civil servants often have their own set of unique car insurance coverage needs
  • Civil servants who use car insurance comparison shopping websites can satisfy these coverage needs and save cash at the same time

Millions of civil servants spend valuable time and energy doing their part to keep the wheels of society turning smoothly, and they often travel to different countries in the commission of their duties.

These civil servants overwhelmingly need to use vehicles of one kind or another to get to work, and many of them need to use vehicles while they work.

These civil servants all need adequate car insurance coverage as they drive these vehicles, but they face certain challenges and benefits that are unique to them as a group.

Compare car insurance quotes right here to find the best deal for the coverage you need. Enter your zip code above to begin.

Car Insurance Considerations for Civil Servants


Civil servants are a special category of governmental employee.

They generally work for the U.S. State Department, and in this capacity they may work both domestically and internationally to promote the interests of the nation, striving along the way to create smooth relations between the U.S. and other nations.

Civil servants fill many different positions within the government, and these positions include the following:

  • Foreign Affairs Personnel
  • Management Analysis Personnel
  • Budget Administration Personnel
  • General Accounting Personnel
  • Human Resources Personnel
  • Passport and Visa Services Personnel
  • Legal Counsel
  • Information Technology Personnel
  • Foreign Language Training Personnel
  • Contract Procurement Personnel

It should be noted that there are also many types of civil servants who work for local and state governments, and these can include firefighters, police personnel, teachers, and postal workers.

These domestically based civil servants can often enjoy many car insurance perks that are based on their status as group or union members, in addition to the perks enjoyed by their status as government employees.

Civil servants who live and work within the U.S. will need to obtain the same types of car insurance coverage as other drivers.

While car insurance laws can vary somewhat from state to state, domestically based civil servants will generally need to carry property damage and bodily injury liability coverage on their vehicles.

Civil servants who live and work outside of the U.S. may face additional challenges in the car insurance arena.

In some cases, they may be able to buy car insurance policies from U.S. companies and then transfer these protections to the vehicles that they drive while abroad on assignment.

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Depending on the car insurance laws that are in force in their destination countries, these civil servants may need to purchase additional car insurance coverage from companies based in these foreign locations.

Civil servants who may be driving abroad may also need to secure special international driving permits before they are legally able to drive in foreign countries, and should thus gather all necessary information from relevant embassies before setting out on their journeys.

In any case, when the time comes for civil servants to purchase car insurance they can usually find various ways to save significant amounts of cash.

For example, many civil servants are members of labor or employee unions and thus are often eligible for valuable group discounts.

Another popular and effective way for civil servants to save money on their insurance policies is for them to make use of car insurance comparison shopping websites.

These websites work hard to gather detailed information about many car insurance providers, after which this information is disseminated for the benefit of their visitors. By using these sites, civil servants can save themselves a lot of time, and a lot of money.

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Car Insurance Coverage for Civil Servants can be Affordable


The combined efforts of the millions of civil servants across the nation help to keep many governmental and even social institutions running. These servants are administrators, attorneys, planners, lawmakers, diplomats, and much more.

As these hardworking people go about their work, they face the same road-based risks as everyone else and thus need adequate car insurance protections to shield them from these risks.

One option for civil servants is to search for auto insurance discounts that would help to lower their premiums. Another option is to shop for auto insurance coverage and compare policies and prices online.

Enter your zip code below to compare quotes today.