Is There a Car Insurance Discount for Police Officers or Law Enforcement?

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Rachel Bodine graduated from college with a BA in English. She works as an associate editor and writer for for over a year and enjoys creating content that offers expert advice on car insurance topics.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs...

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Reviewed byLeslie Kasperowicz
Former Farmers Insurance CSR

UPDATED: Mar 13, 2020

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Police officers put their lives on the line every day to keep society safe. But do police officers get a discount rate on car insurance? Or do they pay the same car insurance premiums as the rest of us? Keep reading to discover everything you need to know about car insurance discounts for police officers and law enforcement.

Certain Car Insurance Companies Have Special Policies for Law Enforcement Officers

car insurance discount for policeMost of America’s largest car insurance providers offer some type of discount for police officers. Companies offering discounts include:

  • Farmers
  • Nationwide
  • California Casualty
  • Liberty Mutual
  • COUNTRY Financial
  • USAA
  • Travelers
  • Allstate

These companies don’t just provide a discount out of the goodness of their hearts; they also provide a discount because cops tend to be safer drivers. Nobody knows the rules of the road like a police officer. Generally, police officers file fewer claims than the average driver. They’re cheaper customers to insure, so car insurance providers are happy to provide a small car insurance discount for law enforcement.

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Other Unique Benefits of Police Officer Car Insurance

Several major car insurance companies in the United States have car insurance policies designed specifically for police officers. Sometimes, these car insurance policies come with a discount. In other cases, the car insurance policies provide extra benefits.

Unique features of a police officer car 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 over normal car insurance premiums
  • Other features that benefit law enforcement officers

California Casualty has one of the best-known car insurance policies for law enforcement. In addition to providing competitive rates to cops, California Casualty covers certain police equipment left in your vehicle. If you’re involved in an off-duty accident, then 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 benefit is applied automatically to any police officer’s car insurance policy. It covers all remaining premiums on your car insurance policy for the remaining calendar year and one additional year after the death of the policyholder, allowing your surviving spouse or family to have car insurance without paying a premium.

Police Officer Car Insurance Discounts Vary Widely from State to State

Up above, we talked about California Casualty’s law enforcement auto insurance policy benefits. California Casualty is available across the United States. However, the specific policy features mentioned above 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 Benefit program.

Auto insurance is regulated at the state level, which is why laws vary widely from state to state. GEICO might offer different car insurance discounts to police officers in California than it would offer in Arkansas, for example, due to changes in state insurance laws.

Other Tips for Saving Money on Car Insurance for Police Officers

Police officers can save money on car 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 have a significant effect on car insurance prices.

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 Premiums Upfront: Some people pay car insurance premiums upfront to save money. Instead of spreading the payment out over 6 months or 12 months, just pay the premium in one lump sum. You can save 5% to 10% and avoid costly financing fees.

Consider Telematics Programs: Car insurance companies in America now offer ‘telematics’ programs. These programs involve placing a tracking device in your car to determine what type of driver you are. If you are a safe driver who drives fewer miles per week than average, then 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: Above all, the best car insurance tip for a police officer is to shop around. It’s easy to compare car insurance quotes for cops online using our website and other car insurance comparison sites.

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Many major car insurance companies provide discounts to police officers. Some car insurance 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 as well as ‘Fallen Hero’ survivor benefits programs. Compare car insurance quotes online today to ensure you get the best price on car insurance as a police officer.

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