How much is car insurance for government GS6 or higher?

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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: Mar 3, 2020

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Here's what you need to know...

  • Government employees in the GS6 or higher category pay higher rates for car insurance than people in most other professions
  • We can speculate as to the reason behind this, but we don’t actually know
  • Your best bet, regardless of your occupation, to find the best car insurance rates is to use an online quote tool to compare premiums and coverages side by side

If you’ve ever wondered why your auto insurance company wants to know your profession, it’s because it’s been statistically proven that certain types of jobs involve workers who are safer on the roads and vice versa.

Knowing that, would you be surprised to learn that government workers classified as GS6 or higher pay some of the highest insurance rates in the country? It’s true — according to a recent survey of 60 common job classifications.

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The survey list ranks the job categories from the least expensive car insurance to the most expensive. Surprisingly, government workers at GS6 and higher came in at number 54.

Their annual auto insurance rates averaged about $1,262. They are within a few dollars of the positions on either side, so it’s not that drastic a difference as you go up the scale. Nonetheless, we find it curious that these types of workers rate so close to highest.

Government GS6 Workers Defined


When it comes to federal government employees, each one is classified according to the General Scale for purposes of determining compensation.

The scale has 15 different levels (grades) which are achieved by fulfilling certain time requirements of service. Within each grade, there are 10 steps to meet along the way, each one with a higher compensation.

As for GS6 employees, they would be considered average, working-class individuals with salaries ranging between $31,000 and $40,500.

What’s most curious about this classification is that grades six through eight are not what we would consider upper-middle-class or wealthy individuals. Their pay scales are very similar to most average workers in the private sector.

It’s not until you get into the higher grades that pay scales and benefits climb so drastically.

For all intents and purposes, the GS6 employee might be:

  • A postal worker down at your local office
  • A tax auditor
  • Any number of middle-income occupations

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Factors for GS6 Workers

If you’ve been reading our other articles, then you’re familiar with the idea of presenting different factors that could help determine how safely a person drives. With government workers, it’s a lot harder to determine these things simply based on their pay grade alone.

That’s because this pay grade involves so many different types of occupations, each with its own work environment, skill sets, and so on. However, there is one thing in common with many of the government workers in this pay grade or higher.

Not to step on any toes, but government workers at GS6 or higher tend to have significantly less responsibility in their day-to-day routines. This is the nature of government bureaucracy.

These types of workers tend to be:

  • limited in their scope of work
  • limited in their interactions with others in the private sector
  • more likely to live and think in a world governed by the idealistic thinking of government

This type of attitude may perhaps translate to unrealistic attitude behind the wheel, increasing the risk of accidents. Of course, this is all speculation.

Entitlement Mentality


Government workers seem to have a sense of entitlement which is a lot stronger in them than it is in those in the private sector.

Where private sector employees might be more willing to pay for a minor accident out-of-pocket, government workers are more likely to file a claim for even the slightest damage. If this is true, it could provide another reason for their insurance being a bit more costly.

As you go up the various pay grades towards eight, nine, and beyond, you also must now factor in the possibility that these workers will be driving more expensive cars.

As the cost and value of their cars goes up, it also costs auto insurance companies more to provide insurance.

This is especially true if they include other types of additional coverage like:

  • collision
  • fire
  • theft

For government workers in densely populated metropolitan areas, this is all exacerbated simply by the mathematics of more drivers being on the road.

We can’t say for certain why government workers at the GS6 grade or higher pay more for their car insurance. What we’ve offered here is based solely on assumptions that come from a limited knowledge about these types of workers.

If your job falls into this category you will probably know a lot more about your work environment than we do.

Whether you’re a government or private sector worker, you can still search for FREE auto insurance quotes by entering your ZIP code now.

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