Auto Insurance for Law Enforcement Officers (How to Save)

Many insurance companies offer discounts on auto insurance for police officers, including GEICO, USAA, and Allstate. When you're on duty, you are covered by your department's auto insurance. Learn the details.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Written by Rachel Bodine
Feature Writer Rachel Bodine

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 (BBB A+). 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 and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker

UPDATED: Jun 7, 2022

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Things to Remember

  • While no car insurance companies exist exclusively for law enforcement officers, some companies do offer special privileges and plans 
  • Most companies provide up to a 25% discount for officers and others employed in law enforcement
  • Some insurance companies offer select policies with smaller rates for officers since they classify as low-risk drivers

Car insurance laws in almost every state require law enforcement personnel to insure their vehicles. Fortunately, law enforcement officers may qualify for cheaper rates through insurance company deals such as GEICO’s law enforcement discount.

Typically, insurance companies offer designated discounts and programs for individuals who provide a public service. Such positions include currently employed police officers, retired officers, and employees of law enforcement agencies. Additionally, most insurance companies offer the same privileges to paramedics, firefighters, and other first responders.

How do discounted auto insurance rates for law enforcement officers work? 

Insurance companies offer discounts to professionals who are lower risk. Auto insurance companies consider officers some of the safest drivers on the road. If you are a law enforcement officer, insurance companies assume that you are less likely to file a claim or violate traffic laws. Therefore, you are a low-risk policyholder and will pay lower auto insurance rates.

However, insurance rates for those employed by a law enforcement agency are subject to auto insurance laws and regulations enforced in your state. Unfortunately, an auto insurance company might not be able to offer you a discount based on your employment status if your state’s law does not allow it.

Additionally, some insurance companies will require proof that you are employed as a law enforcement officer or association membership to qualify for a discount.

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How are individuals recognized as law enforcement personnel for car insurance purposes?

Most auto insurance companies classify the professions of those they insure via a rating method based on personnel type. This rating system is vital since almost all auto insurance companies apply a unique risk rating contingent on your occupation. You will usually have shared rates if you, as a law enforcement officer, invest in auto insurance by a company with a discounted law enforcement policy.

Your occupation will determine your risk class, and some motorists will have a higher class rating than other professionals. As an officer of law enforcement, your low-risk class can earn you less expensive insurance rates than many other professions.

Additionally, almost all police officers use a vehicle covered by their law enforcement agency when on the job. Most auto insurance companies offer lower insurance rates if you put fewer miles on your personal vehicle. This means officers usually end up paying lower rates for the cars that they own.

How much vehicle coverage do officers require?

Generally, the average insurance rates of a state provide a base for auto insurance rates for law enforcement officers. While the insurance rates police officers pay are contingent on state-wide averages, officers may be able to save even more on auto insurance through price reductions.

Do law enforcement personnel have to purchase auto insurance as on-duty officers?

Most people in any profession require auto insurance to protect themselves while completing daily errands. As a law enforcement officer, your auto insurance will not apply while you are on duty. While you are working, the agency employing you will cover you through the department’s insurance policy.

Personal auto insurance is unique to the individual since any transaction between a consumer and an insurance company is private. On the other hand, law enforcement agencies cover any vehicle that will be driven by employees. In other words, a commercial auto insurance policy will apply to the car you drive at work.

Any costs due to damages to an agency vehicle will be covered by your employer’s insurance. However, under certain circumstances, officers may be liable.

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What popular car insurance companies extend discounts to officers?

While investigating personal insurance policies, you will notice that discounts and rates vary significantly based on individual auto insurance companies. If you are a law enforcement officer researching personal auto insurance options, look for auto insurance companies that mark down rates or have affinity programs designed for a variety of officers working in law enforcement.

For example, popular companies like Nationwide, Progressive, USAA, GEICO, and others almost always offer law enforcement discounts. 

Insurance Companies25% Law Officer DiscountAnnual Rates
with Discount
Liberty Mutual$1,518$4,555
State Farm$815$2,445
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Popular auto insurance companies typically offer reduced prices for officers affiliated with the military, a federal agency, or local law enforcement. Additionally, some car insurance companies will offer law enforcement discounts to military personnel employed at an emergency deployment imminent danger zone.

Are there any other discounts designed for law enforcement personnel? 

On top of law enforcement programs, there are plenty of other ways to obtain auto insurance discounts. Most big auto insurance companies offer several discounts police officers may qualify for:

Of course, discount availability and amounts differ by state. To discover whether you qualify for one or more of these discounts and other ways you may be able to save, you can speak to an agent employed by your auto insurance company.

Consider Your Auto Insurance Options as a Law Enforcement Officer 

Although your department agency will cover you with its insurance while you are on duty, you will still need personal auto insurance for any vehicles you own. Fortunately, most popular auto insurance companies offer law enforcement discounts. There are also a number of other discounts that you may be eligible for as an officer of the law

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