Car Insurance Rates for Government GS1-GS5

Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Apr 9, 2020

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Here's what you need to know...

  • Different types of government occupations affect car insurance rates
  • Entry-level government workers tend to pay more for car insurance than people in most other occupations
  • We don’t know why this is, but we speculate that it could be for a variety of reasons
  • Regardless of your occupation, it’s in your best interest to compare car insurance quotes online to make sure you get the best deal for your individual situation

In a recent industry survey comparing car insurance rates according to individual job classification, we noticed some interesting results among the government workers.

For example, GS1-GS5 government employees ranked 47th out of 60 total job classifications, in order from least to most expensive.

That means there are only 13 other job categories with higher car insurance rates than these particular government workers.

Enter your ZIP code in the FREE box above to gain access to online car insurance rates in your area.

Just in case you’re not familiar with the government job classification system, there are 15-grade scales (GS) with salaries ranging from $18,161 at GS1 to $132,121 at GS15. Each of the grade scales has 10 steps employees move through as they advance to the next grade.

From this knowledge, it’s easy to see that GS1-GS5 employees would be considered entry-level to low-level workers. At the top end of the GS5 grade employees make approximately $36,379 annually.

Their annual car insurance premiums come in at just over $1,215.

Government Employee Attitudes

Police officerThere are many different factors regarding one’s employment that could influence how well he or she drives. One of those factors is overall attitude.

At the risk of insulting some of our readers, may we suggest that government employees don’t necessarily have the best attitudes in the workplace?

Because they have no customers to serve and no business to lose, customer service is not on the top of the priority list. It is possible that this general laissez-faire attitude may have something to do with their risk as drivers.

Just as stress is a huge contributing factor to drivers in high-stress occupations, a less-than-professional attitude may also have some an effect.

This is all speculation, of course, but insurance actuaries have crunched the numbers and conclusively determined that GS1-GS5 five government workers pose a higher risk for car insurance claims. They honestly know something we don’t.

Increased Mileage

If employee attitude is not a contributing factor, perhaps increased mileage might be.

In cases where government workers spend a lot of time behind the wheel to fill their job duties, they may be at a significantly higher risk for violations or accidents, simply because they spend more time driving.

We already know that insurance companies tend to charge more of people who drive more because they know for every mile you put under your wheels, your chances of having a problem go up.

We’re not sure if postal workers, park rangers, and tour guides are all part of this job classification. But if they are, it’s easy to see why their mileage would be a contributing factor. They all spend a great deal of time on the road.

Part of this may also be where these government workers are engaged in high population areas. Insurance companies do charge more in areas where population densities are high, simply because having more people in an area means more accidents.

Likelihood of Claims

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When considering risk, not only do insurance companies have to take into consideration the likelihood that drivers will have an accident, they must also consider the likelihood of different drivers filing claims.

For example, you probably didn’t know that the highest accident rates among all American professionals belong to our doctors.

However, since they would prefer to pay for accidents out of pocket, they also file the fewest number of claims among all American workers.

This lower rate of claims results in lower insurance premiums. Here are a couple of scenarios that may or may not be true.

First, it could be that government workers of this particular grade are more apt to file accident claims that other types of workers.

If even a small percentage of them adopted a general life attitude of entitlement, it would seem to be that even the smallest accident or loss would be a reason for a claim.

Second, if these numbers factor in the public employees’ use of government vehicles, that could artificially inflate accident claim numbers because workers would be required report even the smallest scratch.

When it comes down to it, there’s no way to conclusively say what it is about GS1-GS5 government employees that cause them to incur higher insurance rates.

Perhaps someday, the insurance industry will release the data to us so we will have all the answers. Until then, government workers have the same option as the rest of us. That is, to drive safely and legally to achieve the lowest car insurance rates possible.

Whether you’re a government employee or private sector employee, you can see car insurance quotes online by entering your ZIP code for FREE in the box below.

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