Auto Insurance for Police Officers (Rates & Discounts)
A police officer auto insurance discount can help law enforcement find affordable auto insurance. While certain providers offer law enforcement discounts, these discounts can vary widely state-by-state. Check with your auto insurance company to see what police discounts they offer. Many law enforcement and police insurance discounts are unique, including protection for off-duty firearms stored in a vehicle. Beyond discounts, officers and law enforcement can save even more on auto insurance when they comparison shop online.
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UPDATED: Mar 30, 2021
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What You Should Know
- Many insurers offer a police officer auto insurance discount or lower rates since law enforcement officers are typically safer drivers
- Some insurers offer company-specific discounts like the “Fallen Officer/Fallen Hero Survivor Benefit” or work with law enforcement in other ways
- Most discounts vary by state and not all states participate in a company’s discounts
Looking for affordable law enforcement auto insurance? Is there a police officer auto insurance discount, or do they pay the same auto insurance rates as the rest of us?
Learn about options for a police officer auto insurance discount, including protection for off-duty firearms stored in a vehicle, and how to find the best police officer car insurance company for you.
We will go through everything you need to know about how to get an auto insurance police discount. Understanding auto insurance, in general, can also help you learn how to get the best rates for your needs.
Shopping around for car insurance will help you find the best coverage at the cheapest rates. Get a start on finding police officer auto insurance rates by typing your ZIP code into our helpful tool.
Do certain auto insurance companies offer special policies or discounts for law enforcement officers?
Most of America’s largest auto insurance providers offer some type of discount for police officers. Companies offering law enforcement discounts include:
- California Casualty
- Liberty Mutual
- Country Financial
Companies like Liberty Mutual offer a law enforcement discount because cops tend to be safer drivers. The same goes for other professions that serve the community.
How much is car insurance for police officers? This table details GEICO’s rates for several public service positions, including law enforcement.
|Occupations||GEICO Average Monthly Rates||GEICO Average Six-Month Rates||GEICO Average Annual Rates|
|Military Officer (Air Force O1)||$139.47||$836.80||$1,673.60|
|Retired Miltary (Air Force O6)||$139.47||$836.80||$1,673.60|
|Government GS6 or higher||$151.00||$906.00||$1,812.00|
|Military E1 - E4||$152.57||$915.40||$1,830.80|
Many car insurance companies use an occupational classification to offer lower rates or discounts to drivers. This means that what you do for a living can affect your auto insurance rates. Occupations with riskier drivers will see higher rates and fewer discounts.
Generally, police officers file fewer claims than the average driver meaning they get cheaper rates. They are cheaper customers to insure, so auto insurance providers are happy to provide police officer discounts for auto insurance.
Discounts will vary by the company (and state). Let’s take a look at a table showing what auto insurance discounts Progressive offers.
|Auto Insurance Discounts||Discount Offered by Progressive||Savings on Progressive Rates|
|Adaptive Cruise Control||Yes||Not Available|
|Adaptive Headlights||Yes||Not Available|
|Anti-lock Brakes||Yes||Not Available|
|Claim Free||Yes||Not Available|
|Continuous Coverage||Yes||Not Available|
|Daytime Running Lights||Yes||Not Available|
|Distant Student||Yes||Not Available|
|Early Signing||Yes||Not Available|
|Electronic Stability Control||Yes||Not Available|
|Family Legacy||Yes||Not Available|
|Forward Collision Warning||Yes||Not Available|
|Full Payment||Yes||Not Available|
|Good Credit||Yes||Not Available|
|Good Student||Yes||Not Available|
|Lane Departure Warning||Yes||Not Available|
|Low Mileage||Yes||Not Available|
|Newer Vehicle||Yes||Not Available|
|Paperless/Auto Billing||Yes||Not Available|
|Passive Restraint||Yes||Not Available|
|Stable Residence||Yes||Not Available|
|Switching Provider||Yes||Not Available|
|Vehicle Recovery||Yes||Not Available|
|VIN Etching||Yes||Not Available|
|Young Driver||Yes||Not Available|
Now, let’s see what car insurance discounts Nationwide offers.
|Nationwide Auto Insurance Discounts||Savings on Nationwide Auto Insurance Rates|
|Daytime Running Lights||5%|
|Students & Alumni||7%|
No matter which company you choose, you should take advantage of every discount you can. Most companies will allow you to bundle discounts to save even more money.
What’s the best auto insurance for police officers?
Can law enforcement officers get specialized car insurance coverage?
The short answer is that it depends on where you live. Several major auto insurance companies in the United States have policies designed specifically for police officers. Sometimes, these policies come with a discount. In other cases, they provide extra benefits on top of police discounts.
Unique features of a police officer auto insurance policy may include:
- Guaranteed protection for off-duty weapons and other equipment stored in the vehicle in the event of an accident
- Free life insurance-style programs that go to your surviving family in the event of death.
- Discounts on normal auto insurance rates
- Other features that benefit law enforcement officers
California Casualty has one of the best-known vehicle insurance policies for law enforcement. In addition to providing competitive rates to cops, California Casualty covers certain police equipment if it is left in the vehicle. If an officer is involved in an off-duty accident, California Casualty will cover the cost of repairing or replacing that equipment.
California Casualty also has a unique program called the Fallen Officer/Fallen Hero Survivor Benefit. This program is applied automatically to any police officer’s auto insurance policy.
It covers all remaining rates on their policy for the remaining calendar year and one additional year after the policyholder’s death, allowing surviving spouses or family members to have auto insurance without paying a rate. Learn more about covering all family members under the same policy.
Nationwide also has programs to support police officers. They conduct grant programs that help provide protective vests, donate salvage vehicles to be used as bait cars, and other programs.
Do police officer auto insurance discounts vary by state?
California Casualty is available across the United States. However, the specific policy features we’ve already mentioned aren’t automatically available in all states.
Texas, Georgia, Montana, New Hampshire, and Tennessee, for example, do not participate in California Casualty’s Fallen Officer/Fallen Hero Survivor Benefits program.
Auto insurance is regulated at the state level, which is why state auto insurance requirements vary widely. GEICO might offer different California auto insurance and Arkansas auto insurance discounts, for example, due to changes in state insurance laws.
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What are some other tips for saving money on auto insurance for police officers?
Police officers can save money on auto insurance using the same strategies as other drivers, including:
Drive Safely: Cops know the rules of the road better than anyone. DUIs, speeding tickets, at-fault accidents, and other issues can significantly affect auto insurance prices. Sometimes this can be state-dependent, like with the Safe Driver Insurance Plan (SDIP) in Massachusetts.
Bundle: Bundling multiple insurance policies together makes it easy to save money. Try to bundle your auto insurance policies, home insurance policies, and your spouse’s policies together under one company.
Pay Rates Upfront: Some people pay auto insurance rates upfront to save money. Instead of spreading the payment out over six months or 12 months, you can pay the rate in one lump sum. In doing so, you can save five to 10 percent and avoid costly financing fees.
Consider Telematics Programs: Many auto insurance companies in America now offer ‘telematics’ programs. These programs involve placing a tracking device in your vehicle (or using an app on your phone) to determine what type of driver you are.
If you are a safe driver who drives fewer miles per week than average, you may benefit from this program. Available telematics programs include Progressive’s SnapShot, Allstate’s Drivewise, State Farm’s Drive Safe and Safe, and Nationwide’s SmartRide.
Shop Around: It’s easy to compare vehicle insurance quotes for cops online using sites like this one.
Many major auto insurance companies provide discounts to police officers. Some companies don’t provide specific discounts, but they do offer special benefits to police officers, like added coverage for equipment stored in your vehicle off-duty and ‘Fallen Hero’ survivor benefits programs.
What are the basics for auto insurance coverage for police officers?
Like every other driver on the road, police officers must make sure their vehicles are insured to at least the minimum coverage requirement set by the state in which they live. This means at least minimum liability coverage, though that may not be enough.
Additionally, if there is ever an instance in which a police officer might use their personal vehicle in a work context, it may also be necessary to obtain commercial coverage. You’ll need to speak with your insurance company to determine whether you need commercial coverage on top of your personal policy.
Police Officer Auto Insurance Discounts: The Bottom Line
Many of the major car insurance companies across the country offer car insurance discounts for police officers. However, the amounts and availability of these discounts vary by state, so you’ll need to speak with a licensed insurance agent in your area to find out what’s available where you live.
Also, many companies offer coverage for off-duty firearms that are stored in your vehicle. For general car insurance savings, safe driver discounts, bundling discounts, and telematics devices are all good options.
Shopping around and comparing rates is another great way to save, which you can do right here. All you need is your ZIP code to buy police officer car insurance.
Get police officer auto insurance quotes now. Type your ZIP code into our helpful tool to find cheap auto insurance for police officers in your area.
Frequently Asked Questions: Police Officer Auto Insurance Discount
Hopefully, you now know everything about finding affordable police officer auto insurance. If you have questions and are not yet ready to buy police officer auto insurance, check out some common ones below.
#1 – Do correctional officers get law enforcement auto insurance discounts?
Because correctional officers are sometimes trained as law enforcement officers, they may be eligible for discounts from various companies.
#2 – Does State Farm offer first responder auto insurance discounts?
State Farm’s website offers ways in which the community can help first responders but mentions nothing in the way of discounts.
#3 – Is there an Allstate first responder auto insurance discount?
Allstate’s website doesn’t mention a specific discount, but it does note that the Allstate Foundation will provide $1 million in support of first responders in the age of COVID-19.
#4 – Is there a USAA law enforcement auto insurance discount?
Yes, they offer a discount specifically geared toward those in law enforcement.
#5 – Is there a GEICO law enforcement auto insurance discount?
GEICO offers a military and federal organization discount.
#6 – Is there a Progressive law enforcement auto insurance discount?
Progressive’s website does not mention a discount specifically geared toward those in law enforcement.
#7 – What is the best auto insurance for law enforcement?
GEICO and Nationwide are seen as cheap and reputable options, but it is always best to comparison shop as much as possible.
#8 – Is there an NYPD auto insurance discount?
It is all dependent on the company you choose, but there isn’t an existing discount that is specifically for the NYPD, as opposed to being for law enforcement in general.