Auto Insurance for Law Enforcement Officers (Discounts + Best Companies)

Auto insurance for law enforcement officers can be lowered with discounts of up to 25%. Top companies including Geico, USAA, and Allstate offer big police discounts on auto insurance, and some offer special programs and coverage.

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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...

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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...

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Reviewed byDaniel Walker
Licensed Insurance Agent

UPDATED: Apr 30, 2020

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Law enforcement officers are sworn to uphold the law, that that includes auto insurance laws. Of course, auto insurance laws apply to police officers as well. You need insurance for your personal vehicle, and luckily for you, your job as a first responder could qualify you for special car insurance programs and rates.

While there’s no company that insures police officers specifically the way USAA caters to the military, a lot of companies offer special discounts. In fact, a USAA law enforcement discount is available if you qualify to be a member. This article will cover that as well as which of the best auto insurance companies provide great rates on auto insurance for law enforcement officers.

Begin your search for law enforcement discounts from top auto insurance companies right now. Just enter your ZIP code above to begin.

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 that you serve. You can get this sense of security by carrying your auto insurance with a respected carrier.

As we discussed above, there are no companies that cater specifically to police officers, nor is there specific first responder auto insurance. but many honor your service with discounted rates. Some offer this discount just for being a law enforcement officer, while others give 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 offered to members of a specific group through association with a particlular insurance company.

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.

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Which insurance companies have car insurance discounts for police officers?

If you’re shopping the market for your personal car insurance, the first place to look would be through companies that offer discounts or affinity programs for all types of police, corrections officers, and rangers.

While there are smaller companies in each state with their own rates, here are the most popular insurers who offer law enforcement discounts and programs:

These auto insurance companies are well known across the U.S. except for California Casualty insurance company, which appears to be available only in California.

You’ll note that the affinity discount varies a lot from company to company, but that doesn’t mean the biggest discount equals the lowest rate. The Allstate law enforcement discount is larger than Geico law enforcement discount, but Geico’s overall rate is still lower.

Does USAA cover law enforcement? In order 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, since many police officers have also served in the military, this might be a good option for you.

What would auto insurance coverage look like from major companies that offer a discount to law enforcement? 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.

Affiliation Discount on Average Annual Auto Insurance Rates
CompaniesAverage Annual RateAffiliation
Discount (25%)
Average Annual Rates
with Discount Applied
State Farm$3,260$815$2,445
American Family$3,443$861$2,582
Liberty Mutual$6,073$1,518$4,555
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The savings for auto insurance greatly decrease the average annual rates. This isn’t counting other discounts that you may be eligible for.

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

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

What types of specialized coverage is available to police officers?

Do police have car insurance that differs from what other people carry? You might assume that policy with one carrier will provide you with the same coverage as a policy through another, but there are some companies that offer a specialized program for law enforcement. These programs offer additional coverage as part of their program 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. Options for law enforcement are not limited to a few states.

How do auto insurance companies classify law enforcement officers?

Police have auto insurance, and their occupation will be factored into their rate when they’re 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.

When it comes to auto insurance, law enforcement officers are not considered high-risk. 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.

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Why do law enforcement officers get cheaper rates?

Do cops get cheaper car insurance? Rates for every driver, not just officers, are based on a variety of factors, so not all law enforcement officers will see a lower rate. That said, your rates could be lower than the average policy premium because of how you’re perceived as a 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.

The statistics show that officers are low-risk drivers.

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.

A good driving record is also a condition for employment, which makes many officers think before driving irresponsibly. While police officers do get into a lot of 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.

Average Annual Auto Insurance Rates Based on Driving Record
Driving RecordAverage Annual Rates
Clean record$3,124
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, but 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 accident forgiveness, which some auto insurance companies issue when you enroll in a policy. Other companies only assign that perk after several months or years with the company.

Do you have to buy auto insurance to protect you while you’re on-duty?

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 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, you will be covered by that commercial auto insurance policy.

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 nice.

It’s important to know the difference between what is considered business use of your personal vehicle, and what isn’t so that you can be sure of which policy is covering you at all times. Here’s a breakdown in video form of the differences between commercial and personal insurance.

Any potential customer can get around these factors through auto insurance discounts. When a policyholder is eligible for a number of discounts, their auto insurance rate decreases. Statistics and the number of claims justify the auto insurance rates, so discounts are there to help reduce how much you spend on auto insurance.

Auto Insurance as a Percentage of Law Enforcement Income

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

Before we move on to how auto insurance rates affect a law enforcement employee’s salary, let’s watch a video on auto insurance as a percentage of income.

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

Auto Insurance Rates as a Percent of Income for Law Enforcement by State
StateAnnual SalaryAverage Annual RatesInsurance as a Percent of IncomeAmount Saved from
Affinity Discount
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
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
West Virginia$46,205$2,5955.62%$649
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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 a composite 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 more money on auto insurance.

How much insurance do you need on your vehicle?

Buying enough auto insurance has never been more important.

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.

Here’s a short video that explains what comes with minimum requirements for auto insurance.

Officers should always buy auto insurance that is more than the minimum coverage that is required by law in the state. 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 are part of the most expensive rates a policyholder could have on their policy. You can receive a discount, however, if you upgrade to full coverage. You’ll be paying for a high coverage level, so it may be better to enroll in full coverage.

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Do you need other forms of coverage?

Liability auto insurance coverage isn’t the only thing you need to worry about. You also have to choose the customized options that will turn a basic policy into a personalized one. You don’t have to select a robust policy if you don’t want to pay the premiums, but here are some options to consider:

  • Comprehensive – pays for losses to the car while parked
  • Collision – pays for losses to the car while it’s being driven
  • Uninsured motorist – pays for your medical expenses if in an uninsured motorist loss
  • Medical payments – pays for your medical expenses in any type of auto accident
  • Rental car – pays for a rental when your car is being repaired after an accident

Here’s a video that explains the basic coverage options for most auto insurance companies.


What other insurance discounts can law enforcement officers get?

Some companies will offer discounts on home insurance for law enforcement as well, and of course, bundling is always a good option. It’s always wise to ask your insurance company what discounts are available.

What about medical coverage? Do police officers pay for health insurance? Most officers do put a portion of their salary towards their health insurance, which is subsidized by the police department. Costs and coverage vary from place to place.

Being a police officer is challenging, but it does have its perks. Saving on auto insurance can be a big one.

To start comparing rates and checking out law enforcement discounts on auto insurance, use our online rate quote tool now.


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