Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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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 Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Dec 3, 2020

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Things to Remember

  • The average cost of law enforcement officers’ auto insurance is $158 per month or $1,896 annually
  • There are no auto insurance companies specifically for law enforcement officers
  • Many major insurance companies offer discounts of up to 25 percent to law enforcement officers
  • Many companies offer lower rates to law enforcement officers because they are considered safe, responsible drivers who are a lower risk to insure

Law enforcement officers are sworn to uphold the law, and that includes auto insurance laws. You need insurance for your personal vehicle, and the average law enforcement officers’ auto insurance rates are around $158 per month or $1,896 annually.

Your job as a first responder could qualify you for special auto insurance law enforcement discounts, programs, and rates. While there aren’t currently any companies that focus specifically on auto insurance for law enforcement officers, like USAA does for members of the military, many companies offer special discounts.

Read through our complete guide for law enforcement and we’ll cover those discounts, as well as which companies provide great rates on auto insurance for police officers. We’ll also discuss other quick facts you need to know about shopping for cheap auto insurance.

Begin your search for affordable auto insurance for law enforcement officers. Just enter your five-digit ZIP code into our free quote tool to get free law enforcement auto insurance quotes.

Table of Contents

Auto Insurance Rates and Law Enforcement Officers

Police officers still need to purchase auto insurance for their personal vehicles that meet the state’s minimum auto insurance laws. The average cost of law enforcement auto insurance is $158 per month or $1,896 annually.

According to DataUSA, there are 796,000 police officers throughout America. The average police officer is a 39-year-old male. While men typically pay a little more for auto insurance than women, this gap is closing as more and more states are banning using gender as a means for determining your insurance rates.

Fortunately, if you’re around the age of 39, you’re in an age bracket that receives some of the better base rates.

The average male police officer’s salary is just over $70,000. However, female police officers are paid substantially less and have an average salary of only $61,000.

Specific law enforcement auto insurance may not be available, but many companies offer special law enforcement discounts to provide even lower rates for police car insurance. Keep reading to learn more.

Which auto insurance companies offer discounts to law enforcement officers?

If you’re a police officer shopping the market for your personal auto insurance, the first place to look is companies that offer discounts or affinity programs for all types of law enforcement and corrections officers.

While there are smaller companies in each state with their own rates, the most popular insurers that offer car insurance discounts for police officers include:

  • Nationwide Insurance
  • California Casualty Auto Insurance Review
  • USAA Auto Insurance
  • GEICO
  • Allstate
  • Farmers
  • Travelers

These auto insurance companies are well known across the U.S., however, it’s always best to double-check which providers are active in your state. For example, California Casualty insurance company only operates in 44 states.

You’ll note that the affinity discount varies significantly from company-to-company, but that doesn’t mean the biggest police car insurance discount equals the lowest rate. The Allstate law enforcement discount is larger than the GEICO law enforcement discount, but GEICO’s overall rate is often still lower for police officers.

Does USAA cover law enforcement as well as military personnel? No. Unfortunately, to qualify for USAA coverage, you must be a current or former member of the military or have a close relative with a USAA membership.

Law enforcement is not part of the USAA membership list. However, many police officers have also served in the military. If you’re a veteran, USAA might be a good option for you and your family.

What would auto insurance coverage look like from major companies that offer a law enforcement auto insurance discount? Let’s take a look at the average annual rates of major auto insurance companies and how they’re affected by the affinity group discount.

Law Enforcement Officer Affiliation Discount on Average Annual Auto Insurance Rates by Company
Insurance CompaniesAverage Annual RatesLaw Officer Enforcement Affiliation
Discounts (25%)
Average Annual Rates
with Discount Applied
USAA$2,537$634$1,903
GEICO$3,214$804$2,411
State Farm$3,260$815$2,445
American Family$3,443$861$2,582
Nationwide$3,450$863$2,588
Progressive$4,036$1,009$3,027
Farmers$4,194$1,049$3,146
Travelers$4,435$1,109$3,326
Allstate$4,888$1,222$3,666
Liberty Mutual$6,073$1,518$4,555
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The discount savings for auto insurance can greatly decrease your average annual rates. And this isn’t even counting other discounts for which you may be eligible.

Remember, these savings and annual rates are general rates, and your individual quote may be more or less depending on your credit history, driving record, age, gender, your vehicle’s make and model, and more.

An affinity discount saves law enforcement employees money on their auto insurance rates and sometimes offers opportunities to enroll in other, special coverages. We’ll discuss that next.

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Is there auto insurance just for law enforcement officers?

While law enforcement is one of the most fulfilling fields to be in, reporting to the unknown every day can also be very stressful. You deserve to feel the same sense of security whenever you hit the road that you give the community you serve.

One way to get this sense of security is by purchasing auto insurance with a respected carrier. But as we discussed above, no specific law enforcement auto insurance company caters specifically to police officers. There is also no specific first responder auto insurance.

However, you may qualify for discounted rates specific for police officers that can lead to some substantial savings.

Some companies offer a discount just for being a law enforcement officer. Other providers offer police officers auto insurance discounts for being part of a specific association, like the Fraternal Order of Police, for example. These are referred to as affinity programs.

An affinity program is a discount some insurance companies offer to members of a specific group.

Affinity programs exist for a wide variety of groups and associations. It’s worthwhile to check any of the associations you’re a member of, including alumni associations for the college where you studied criminal justice, or fraternal orders like the one mentioned above.

Is specialized auto insurance coverage available to law enforcement officers?

Do police have auto insurance that differs from what other people carry? You might assume that a policy with one carrier will provide you with the same coverage as a policy through another, but some companies offer specialized programs for law enforcement.

These companies offer additional coverage as part of their programs for police officers. Some of the specialty companies have unique coverage options that a standard policy won’t offer. Here are some options to look for:

  • Off-duty weapons and equipment coverage for damage in an accident
  • Fallen hero program that covers funeral expenses
  • Deductible-free coverage for your personal vehicle while you’re on-duty

Do your research for specialty companies in your local area. You might be able to find different options specifically for law enforcement in your local neighborhood.

What are other ways law enforcement officers can save on auto insurance?

We’ve already discussed the ways law enforcement officers can save, but there are other options available for savings as well. Other discounts and shopping around for coverage are two ways to save.

What other discounts should law enforcement officers be on the lookout for? Most major insurance companies offer several discounts police officers may qualify for. Take a look at this table for a list of primary discounts available from major insurers across the country.

Auto Insurance Discounts Available by Company
Discounts21st CenturyAAAAllstateAmerican FamilyAmeripriseAmicaCountry FinancialEsuranceFarmersGEICOLiberty MutualMetLifeNationwideProgressiveSafe AutoSafecoState FarmThe GeneralThe HanoverThe HartfordTravelersUSAA
Adaptive Cruise ControlNoNoNoNoNoNoNoNoNoNoYesYesYesYesNoNoNoNoNoNoNo
Adaptive HeadlightsNoNoNoNoNoYesYesNoYesNoYesYesYesYesNoNoNoNoNoYesNoNo
Anti-lock BrakesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYes
Anti-TheftYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYes
Daytime Running LightsYesYesYesYesYesNoYesYesYesYesYesYesYesYesYesNoNoNoYesYesYesYes
Electronic Stability ControlNoNoYesYesNoYesYesNoYesNoYesYesYesYesNoNoNoNoNoNoNoNo
Utility VehicleNoNoYesNoNoNoNoNoYesYesNoNoNoNoNoNoNoNoNoYesNoNo
Vehicle RecoveryYesYesYesYesYesYesNoYesYesYesYesYesYesYesYesYesYesYesYesYesYesYes
VIN EtchingNoNoNoNoNoNoNoYesYesNoYesYesYesYesYesYesNoNoNoNoYesYes
Lane Departure WarningNoNoNoNoNoNoNoNoNoNoYesYesYesYesNoNoNoNoNoNoNoNo
Newer VehicleYesYesYesNoNoNoYesYesYesYesNoYesYesYesYesYesYesNoNoYesYesYes
Green VehicleYesNoYesNoNoNoNoYesYesNoYesNoNoNoNoNoNoYesYes
Forward Collision WarningNoNoNoNoNoYesYesNoNoNoYesYesYesYesNoNoNoNoNoYesNoNo
Claim FreeYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYes
Continuous CoverageYesYesYesYesNoYesYesYesYesYesNoNoNoYesYesYesNoNoYesYesYesNo
Defensive DriverYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYes
Distant StudentNoYesYesYesYesYesNoNoYesYesNoNoYesYesNoYesYesYesYesYesYes
Driver's EdYesYesYesYesNoYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYes
Driving Device/AppNoYesYesYesNoNoNoYesYesYesYesYesYesNoYesYesNoNoYesYesYes
Early SigningYesNoYesYesNoNoYesYesYesYesNoYesYesYesNoYesNoNoNoYesYesYes
Emergency DeploymentNoNoNoNoNoNoNoNoNoYesNoNoNoNoNoNoNoNoNoNoNoNo
Engaged CoupleNoNoNoNoNoNoYesNoNoNoNoNoNoNoNoNoNoNoNoNoNoNo
Family LegacyNoNoNoYesNoYesNoNoNoYesNoYesNoYesNoNoNoNoNoNoNoYes
Family PlanNoNoNoYesNoNoYesNoYesNoNoNoYesNoNoNoNoNoNoYesNoNo
Farm VehicleNoNoYesNoNoNoNoNoYesYesNoNoNoNoNoNoNoNoNoYesNoNo
Fast 5NoNoNoNoNoNoNoYesNoNoNoNoNoNoNoNoNoNoNoNoNo
Federal EmployeeNoNoNoNoNoNoNoNoYesYesYesYesNoNoNoNoNoNoNoNoNoNo
Full PaymentNoYesYesYesYesYesYesYesYesYesYesNoNoYesYesYesYesYesYesYesNo
Further EducationNoNoNoNoYesNoYesYesNoYesYesNoYesNoNoYesNoNoYesNoYesNo
Garaging/StoringNoNoNoNoYesYesNoNoYesNoNoNoNoNoNoNoNoNoNoYesYesYes
Good CreditNoNoNoNoNoNoNoNoNoNoNoNoYesYesYesYesNoNoNoNoNo
Good StudentYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYes
HomeownerYesYesNoNoNoYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesNo
Life InsuranceNoNoYesNoNoNoNoNoNoNoNoNoYesNoNoNoNoNoNoNoNoNo
Low MileageNoYesYesYesNoYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYes
LoyaltyNoNoNoYesYesYesYesNoNoYesNoYesYesYesNoYesNoYesNoYesNoYes
MarriedNoYesNoNoNoYesYesYesNoNoYesYesYesYesYesYesYesYesNoYesNoYes
Membership/GroupNoYesNoNoYesNoNoYesNoYesYesYesYesNoNoYesNoNoYesYesYesNo
MilitaryNoNoYesNoNoNoNoYesYesYesYesYesNoNoYesYesYesYesNoNoNoYes
Military GaragingNoNoNoNoNoNoNoNoNoNoNoNoNoNoNoNoNoNoNoNoNoYes
Multiple DriversNoNoNoNoNoNoNoNoNoNoNoYesNoNoNoNoNoNoNoYesNoNo
Multiple PoliciesYesYesYesYesYesYesYesYesYesYesYesYesYesYesNoYesYesYesYesYesYesYes
Multiple VehiclesYesYesNoYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYes
New AddressNoNoNoNoNoNoNoNoNoNoYesNoNoNoNoNoNoNoNoNoNoNo
New Customer/New PlanNoNoNoNoNoNoNoNoNoYesYesNoNoYesNoNoNoNoNoNoNo
New GraduateNoNoNoNoNoNoNoNoNoNoYesNoNoNoNoNoNoNoNoNoNoNo
Newly LicensedNoNoNoNoNoNoNoNoNoNoYesNoNoNoNoNoNoNoNoNoNoNo
NewlywedsNoNoNoNoNoNoNoNoNoNoYesNoNoNoNoNoNoNoNoNoNoNo
Non-Smoker/Non-DrinkerYesNoNoNoNoNoNoNoNoNoNoNoNoNoNoNoNoNoNoNoNoNo
Occasional OperatorNoNoNoNoNoNoNoNoNoNoNoNoNoNoNoNoNoNoNoNoNoYes
OccupationNoNoYesNoNoNoYesYesYesYesYesYesYesNoNoYesNoNoYesYesYesNo
On Time PaymentsNoNoYesNoNoNoNoNoNoNoNoNoNoYesNoNoNoNoYesYesNo
Online ShopperNoNoNoNoNoNoNoYesNoNoNoNoNoYesNoNoNoNoNoNoNoNo
Paperless DocumentsNoNoYesYesNoYesNoNoYesNoNoYesYesYesNoNoNoNoNoYesNoNo
Paperless/Auto BillingNoNoYesYesNoYesNoYesYesNoYesYesYesYesYesYesYesYesYesYesYesYes
Passive RestraintYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYes
Recent RetireesNoNoNoNoNoNoNoNoNoNoYesNoNoNoNoNoNoNoNoYesNoNo
RenterNoNoNoNoNoYesNoYesNoNoNoYesNoNoNoNoNoNoNoNoNoNo
Roadside AssistanceNoNoNoNoYesNoNoYesNoNoNoNoNoNoNoNoNoNoNoNoNoNo
Safe DriverYesYesYesYesYesYesNoYesYesYesNoYesYesYesYesYesYesYesNoYesYesYes
Seat Belt UseNoNoNoNoNoNoNoNoNoYesNoNoNoNoNoNoNoNoNoNoNoNo
Senior DriverYesNoYesNoNoNoNoYesYesNoNoYesNoNoNoNoNoYesYesYesNoYes
Stable ResidenceNoNoNoNoNoNoNoNoNoNoNoNoYesYesYesNoNoNoYesNoNo
Students & AlumniNoNoNoYesNoNoNoYesNoYesYesYesYesNoNoNoNoNoNoNoNoNo
Switching ProviderYesNoNoYesNoYesNoYesYesYesYesNoYesYesNoNoYesYesNoNoNo
VolunteerNoNoNoYesNoNoNoNoNoNoNoNoNoNoNoNoNoNoNoNoNoNo
Young DriverYesNoNoNoNoNoYesNoNoNoYesNoNoYesNoYesNoNoNoNoNoYes
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Availability and amount saved on these discounts vary by state. To determine whether you qualify for one or more of these discounts (and how much you might save), speak to a licensed insurer.

Another way to save is to shop around. Comparing rates from at least three companies will help you find the best coverage and rates for your needs.

How do auto insurance companies classify law enforcement officers?

Your occupation is sometimes factored into your auto insurance rates when police officers are buying standard insurance.

If you get coverage through a carrier with a law enforcement program, you know you’re getting group rates because of what you do. But standard insurers do use an occupational classification rating system.

Insurance companies view each occupation differently in terms of risk. Some drivers could be stuck with a high-risk class code just because of what they do for a living. Others are in a low-risk field and pay less for coverage than the average person.

Contrary to popular belief, law enforcement officers are not considered high-risk when it comes to auto insurance. Even though you spend a lot of time in a car if you’re a patrol officer, that doesn’t relate to your personal auto insurance rates. 

In fact, because you do most of your driving in a car that’s insured through the police department, your personal vehicle may qualify for a lower rate. Let’s explore that in a little more detail in the next section.

Why do law enforcement officers get cheaper auto insurance rates?

Do cops get cheaper auto insurance rates than other drivers on the road? Why do car insurance companies offer discounts to police officers? Rates for every driver, not just officers, are based on various factors, so not all law enforcement officers will see a lower rate.

That said, your law enforcement auto insurance rates could be lower than average because of your perceived risk. To auto insurance companies, there are certain types of people who are likely to get into accidents, and then there are some people who aren’t very likely at all.

According to some statistics, police officers are very low-risk drivers. They get in fewer accidents and file fewer claims than people in other occupations.

There are a few reasons why law enforcement officers get into fewer accidents than the average driver in their personal vehicles. First off, most if not all officers will receive behind-the-wheel training. This additional training makes police officers exceptional drivers.

A good driving record is also a condition for police employment, making many officers think before driving irresponsibly. While police officers often do get into auto-related accidents on the job, they are better drivers when off-duty.

Here’s a quick look at average annual rates based on driving records.

Law Enforcement Officer Average Annual Auto Insurance Rates Based on Driving Record
Driving Record SummaryAverage Annual Auto Insurance Rates
Clean driving record$1,896
With one speeding violation$3,669
With one accident$4,100
With one DUI$4,920
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Since most law enforcement workers have a good driving record, it’s more than likely that they’ll fall within the clean record category. That being said, it’s not unusual for an officer to have at least one accident on their record.

One accident within a certain number of years can be negated by an accident forgiveness program, which some auto insurance companies issue when you enroll in a policy.

Keep in mind that other companies only assign that perk after several months or years with the company.

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Do you have to buy auto insurance to protect you while you’re on-duty as a police officer?

Your personal auto insurance is designed to protect you while you’re commuting to and from work, but it won’t pay for claims while you’re on duty. When you’re in the line of duty, you’ll likely be covered by the department’s insurance for any accidents that you have.

Auto insurance is often identified as personal insurance because the auto insurance provider deals privately with the customer. Police vehicle insurance is not a personal policy but a commercial one. When you’re driving a police department vehicle, marked or unmarked, that commercial auto insurance policy will cover you.

While the department’s insurance will typically cover the damages, there are instances where officers are held liable. Having an extra line of defense called an officer liability plan is sometimes a nice option.

It’s important to know the difference between what is considered business use of your personal vehicle and what isn’t, so you can be sure of which policy is covering you at all times.

Any potential customers can lower their rates with auto insurance discounts (as we discussed earlier). And these discounts stack, which can lead to some substantial savings. When a policyholder is eligible for several discounts, their auto insurance rate decreases dramatically.

Insurance providers use statistics and the number of claims to justify auto insurance rates, so discounts are there to help reduce how much you spend on auto insurance.

Always ask your provider about discounts you believe you’re eligible for, as not all of them will be publicly advertised.

How much do law enforcement officers spend on auto insurance as a percentage of income?

How much is car insurance for police officers? How does auto insurance affect my income? How much will auto insurance take from my income? These are some of the questions potential customers may have when they shop for auto insurance. Law enforcement employees look for cost-efficient ways to insure their motor vehicles.

The table below is an extensive summary of police officer salaries across the country, as listed by Glass Door, and how the salaries are affected by auto insurance. In addition to auto insurance as a percentage of income, we’ve factored in how the affinity group discount saves money for law enforcement.

Law Enforcement Officer Average Annual Auto Insurance Rates as a Percentage of Income by State
StateAnnual Average Law Enforcement Officer SalaryAverage Annual Auto Insurance RatesAuto Insurance as a Percentage of IncomeAmount Saved from
Affinity Discount
Alabama$42,419$3,4228.07%$856
Alaska$48,373$3,5677.37%$892
Arizona$45,534$4,1259.06%$1,031
Arkansas$42,674$3,7718.84%$943
California$47,611$3,6897.75%$922
Colorado$45,426$3,8768.53%$969
Connecticut$48,675$4,6199.49%$1,155
Delaware$45,467$5,98613.17%$1,497
Florida$40,882$4,68011.45%$1,170
Georgia$43,347$4,96711.46%$1,242
Hawaii$50,541$2,5565.06%$639
Idaho$48,373$2,9816.16%$745
Illinois$42,423$2,9797.02%$745
Indiana$44,615$3,3057.41%$826
Iowa$43,791$3,4157.80%$854
Kansas$44,431$3,2807.38%$820
Kentucky$46,303$5,19511.22%$1,299
Louisiana$44,291$5,71112.89%$1,428
Maine$44,251$2,9536.67%$738
Maryland$48,730$4,5839.40%$1,146
Massachusetts$52,564$2,6795.10%$670
Michigan$42,493$10,49924.71%$2,625
Minnesota$45,633$4,4039.65%$1,101
Mississippi$41,896$3,3297.95%$832
Missouri$41,869$3,6658.75%$916
Montana$48,373$3,2216.66%$805
Nebraska$47,973$3,3937.07%$848
Nevada$48,373$4,1668.61%$1,042
New Hampshire$51,150$3,2846.42%$821
New Jersey$46,181$3,1526.83%$788
New Mexico$42,765$5,51512.90%$1,379
New York$53,083$3,4646.53%$866
North Carolina$38,995$4,86212.47%$1,216
North Dakota$48,373$4,2908.87%$1,073
Ohio$45,216$2,7105.99%$678
Oklahoma$44,562$4,1429.29%$1,036
Oregon$45,415$3,4687.64%$867
Pennsylvania$45,888$4,0358.79%$1,009
Rhode Island$47,787$5,00310.47%$1,251
South Carolina$45,687$3,7818.28%$945
South Dakota$46,282$3,9828.60%$996
Tennessee$45,485$3,6618.05%$915
Texas$42,816$4,0439.44%$1,011
Utah$44,852$3,6128.05%$903
Vermont$47,947$2,3584.92%$590
Virginia$47,342$3,2346.83%$809
Washington$52,215$3,0595.86%$765
West Virginia$46,205$2,5955.62%$649
Wisconsin$45,068$3,6068.00%$902
Wyoming$48,373$3,2006.62%$800
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These average annual rates are based on the average rates for insurance in each respective state. In other words, each state has an overall average auto insurance rate based on the average annual rates of companies that do business in the state.

Based on the data, law enforcement officers spend no more than 13 percent of their income on auto insurance.

When you factor in the savings from the affinity discount and other discounts a law enforcement worker is eligible for, they can save even more money on auto insurance.

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What are some auto insurance coverage basics for law enforcement officers?

Now that you know what discounts, programs, and options may be available to you when shopping for auto insurance as a police officer, let’s take a few minutes to discuss basic auto insurance requirements.

This way, you’ll know more about what you may need to protect yourself financially when you’re behind the wheel.

How much auto insurance do you need on your vehicle as a law enforcement officer?

Buying enough auto insurance to fully protect you, your family, and your property is essential. In today’s litigious society, claimants can easily be influenced to seek more compensation than they are entitled to just because of your employment status.

Unfortunately, you’re only covered by state or federal insurance policies while on duty. Off-duty, you have to purchase the coverage you need out of your own pocket.

Officers should always consider purchasing more than the legal minimum state requirements. Why buy auto insurance that is more than minimum coverage? The truth is, your state’s minimums just aren’t enough coverage.

There’s no single rule of thumb that will ensure that you have enough coverage in the event of any type of auto-related accident, but most experts recommend that you have at least:

  • $100,000 per person in bodily injury liability
  • $300,000 per accident in bodily injury liability
  • $100,000 per accident in property damage liability

These liability coverage limits are known as high coverage limits and will cost more than your state’s basic minimum requirement policy.

But remember, as a police officer, you can receive many different discounts to help mitigate the higher rates associated with a broader coverage policy. Also, when it comes to insurance, you get what you pay for.

In other words, you’ll be paying for a higher coverage level, but you’ll also be better protected. In the next section, we’ll define some car insurance for law enforcement officers basics to help you pick the right full coverage policy for you and your needs.

What are some auto insurance policy options for law enforcement officers?

We mentioned above that liability auto insurance often is not enough coverage for police officers. But what is liability auto insurance coverage?

  • Comprehensive Coverage – This type of policy pays for losses to the car while parked. It includes weather damage, damage caused by flooding or fires, vandalism, and vehicle theft. There is a deductible associated with this type of coverage.
  • Collision coverage –This type of policy pays for losses to the car while it’s being driven. It includes colliding with another vehicle or an object like a tree or telephone pole. There is a deductible associated with this type of coverage.
  • Uninsured motorist coverage: – This type of policy pays for your expenses if you are hit by a driver who does not have insurance.>
  • Medical payments coverage –
  • Rental car coverage – This is an optional add-on that pays for a rental car while your personal vehicle is being repaired after an accident.

Different insurance providers will offer even more additional policies that you can pick and choose from to completely personalize the right auto insurance policy for your needs. So be sure you shop around and find the coverage options that are right for you.

You can also speak to your insurance agent to start determining the best coverage mix for your needs and lifestyle as a police officer.

What other insurance discounts can law enforcement officers get?

As we noted earlier, when we discussed discounts in greater detail, it’s always wise to ask your insurance company what discounts are available. Not every discount will be publicly advertised by every auto insurance provider.

Some companies will offer discounts on home insurance for law enforcement as well, and of course, bundling is always a good option.

What about medical coverage? Do police officers pay for health insurance? Most officers do put a portion of their salary toward their health insurance, which is subsidized by the police department.

Costs and coverage will vary from place-to-place.

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Law Enforcement Officers Auto Insurance: The Bottom Line

Auto insurance companies don’t specifically sell policies to police officers the way policies are sometimes sold to current and former members of the military. However, auto insurance quotes for law enforcement officers may be lower than for average drivers due to discounts, occupation-based rate adjustments, and more.

You are now an expert on finding affordable law enforcement officer auto insurance. Being a police officer is challenging, but it does have its perks. Saving on auto insurance can be a big one.

Which auto insurance company for law enforcement officers is for you? Find out now. Ready to find auto insurance rates for law enforcement officers so you’re prepared to buy law enforcement auto insurance? To start comparing auto insurance rates for law enforcement officers,  just enter your five-digit ZIP code into our free online quote tool.