Best Auto Insurance for Law Enforcement in 2025 (Big Savings With These 9 Companies!)

The best auto insurance for law enforcement is offered by Progressive, State Farm, and Allstate.

However, Progressive is our top pick for the best car insurance for police officers because of its various ways to lower auto insurance premiums for law enforcement.

Our Top 9 Company Picks: Best Auto Insurance for Law Enforcement Officers

Many providers offer a commendable incentive known as the first responder auto insurance discount, which provides exclusive benefits to individuals serving as first responders (Read More: Best Auto Insurance for First Responders).

Some top insurers also offer law enforcement officers a police auto insurance discount. Enter your ZIP code into our free quote tool to find the best car insurance for law enforcement officers.

Cost of Auto Insurance for Law Enforcement Officers

Many factors affect auto insurance rates for law enforcement officers, including age, gender, vehicle type, location, coverage level, and more. For example, police officers who only get their state’s minimum auto insurance requirements pay cheaper rates.

The auto insurance company you pick also impacts the cost of coverage for first responders. See the table below to compare law enforcement car insurance rates by provider and coverage level:

Law Enforcement Auto Insurance Monthly Rates by Coverage Level

As you can see, USAA has the cheapest auto insurance rates for law enforcement officials, though you must be part of a military family to qualify. In addition, the map below shows average full coverage auto insurance rates for law enforcement officers by state:

Full coverage is important for law enforcement, as it helps cover your vehicle damages and medical bills after an accident.

Law Enforcement Auto Insurance Discounts

If you’re a law enforcement officer researching auto insurance options, look for companies that mark down rates or have affinity programs designed for police officers. 

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

Check out the table below to see how much you could save with a police auto insurance discount from the top providers:

Law Enforcement Auto Insurance Discounts

As you can see, you can save up to 15% with State Farm if you’re a law enforcement officer.

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, including:

• Low-Mileage Auto Insurance Discount
• Defensive Driver Auto Insurance Discount
• Good Driver Auto Insurance Discount
• Driver’s Ed Auto Insurance Discount
• Membership Auto Insurance Discount
• Federal Employee Auto Insurance Discount
• Longevity Auto Insurance Discount

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. 

To learn more, read our article on the best auto insurance discounts for police officers.

9 Best Auto Insurance Companies for Law Enforcement

Progressive, State Farm, and Allstate have the best car insurance for law enforcement officers. Check out the pros and cons of these top providers to see why they won:

#1 – Progressive: Top Pick Overall

Pros

• Excellent Loyalty Discounts: Progressive’s multi-car, multi-policy, and continuous insurance discounts enable law enforcement officers to earn savings based on their loyalty to the insurer. You can also save 30% on your car insurance with Progressive’s first responder discount.
• Strong Online Presence: Progressive has an excellent website and one of the best auto insurance mobile apps for police officers who value convenient policy management. (Read More: Progressive Auto Insurance Review)
• Snapshot Program: Progressive Snapshot can save law enforcement up to 20% on their coverage for safe driving. (Read More: Progressive Snapshot Review)

Cons

• Limited Agent Presence: Law enforcement officers seeking personalized assistance with their auto insurance may be disappointed with Progressive since it doesn’t have many local agents.
• Potential Rate Increases: You could see higher rates with Progressive after an accident, a potential drawback since police officers have high-risk jobs.

#2 – State Farm: Best for Agency Network

Pros

• Vast Network of Agents: State Farm has over 19,000 agencies throughout the United States. So, law enforcement officers who want personalized assistance with their auto insurance can speak with an agent in person (Read More: State Farm Auto Insurance Review).
• Various Discounts: You can get a 25% car insurance discount for police officers with State Farm. In addition, State Farm’s accident-free, defensive driving, anti-theft, multi-policy, and multi-vehicle auto insurance discounts may help police officers get cheap car insurance rates.
• Financial Strength: State Farm has an A++ rating from A.M. Best, indicating a strong financial outlook.

Cons

• No Gap Insurance: Law enforcement officers with new cars may be disappointed to hear that State Farm doesn’t offer gap insurance coverage.
• Doesn’t Have Accident Forgiveness: Unfortunately, State Farm doesn’t offer an accident forgiveness program, so you could see higher rates after an accident.

#3 – Allstate: Best Add-On Coverages

Pros

• Various Coverage Options: Law enforcement officers can get accident forgiveness, new car replacement, and rideshare coverage with Allstate (Read More: Allstate Auto Insurance Review).
• Great Savings for Law Enforcement: Allstate offers a 25% law enforcement auto insurance discount. In addition, Allstate’s Drivewise program, new car discount, anti-lock discount, safe driving bonus, and Deductible Rewards program could all benefit police officers (Read More: Allstate Drivewise Review).
• Local Agents: Allstate has a large network of local agents for a personalized customer service experience.

Cons

• Poor Customer Satisfaction: While Allstate has an A+ from the Better Business Bureau (BBB), its customer reviews have 1.1 out of 5 stars of 1,056 reviews.
• Higher Rates: Often, Allstate may have higher rates than some of its competitors.

#4 – Farmers: Best for Bundling Policies

• Great Specialized Coverages: For law enforcement officers seeking unique coverages, Farmers sells the following policies: personal umbrella, spare parts, and glass coverages (Read More: Farmers Auto Insurance Review).
• Good Customer Satisfaction: Farmers has a low complaint index score from the National Association of Insurance Commissioners (NAIC) and an A rating from A.M. Best.
• Several Discount Options: Farmers offers a sizeable discount list to help law enforcement save.

Cons

• Not Available Nationwide: Unfortunately, police officers can’t get a Farmers auto insurance policy in Alaska, Delaware, Hawaii, Maine, New Hampshire, Rhode Island, Vermont, West Virginia, and Washington, D.C.
• Limited Online Tools: Farmers doesn’t have the best online resources, so you may want to consider another company if you want a tech-savvy insurer.

#5 – Nationwide: Best for Usage-Based Discount

Pros

• Good Usage-Based Program: Nationwide SmartRide, the company’s telematics program, boasts a maximum savings of 40% for safe driving, which could benefit police officers. Learn more about how to save with UBI in our Nationwide SmartRide app review.
• Vanishing Deductible: Nationwide offers a vanishing deductible program that reduces your deductible by $100 for every year of safe driving (Read More: Nationwide Auto Insurance Review).
• Great Customer Service: Nationwide touts an A+ from the Better Business Bureau, indicating positive customer satisfaction.

• Not Available in All States: You can’t get Nationwide car insurance for law enforcement officers in Alaska, Hawaii, or Louisiana.
• Not the Cheapest: Other competitors, such as State Farm and Geico, generally have cheaper rates and better customer service.

#6 – Liberty Mutual: Best for Organization Discount

Pros

• Police Discount: If you purchase your policy online, Liberty Mutual offers a 12% discount to members of the Fraternal Order of Police, an organization consisting of law enforcement officers (Read More: How to Instantly Buy Auto Insurance Online).
• Better Car Replacement Coverage: If a law enforcement officer’s car is less than a year old with fewer than 15,000 miles on it, Liberty Mutual will send them the money to get a replacement car that’s one model year newer.
• Customizable Policies: Liberty Mutual’s Coverage Customizer tool allows you to get discounts and coverage recommendations (Read More: Liberty Mutual Auto Insurance Review).

Cons

• Poor Customer Service: Liberty Mutual’s NAIC complaint index score is 3.09, or three times higher than average, indicating the company receives several customer complaints.
• Higher Rates: Liberty Mutual tends to have higher rates than many of its competitors.

#7 – USAA: Best for Military Families

Pros

• Serves Military Families: USAA offers coverage specifically for military families. Since many law enforcement officers have military backgrounds, USAA could be a great fit for them (Read More: Cheap Auto Insurance for Military and Veterans).
• Various Discounts: Police officers who served in the military could benefit from USAA’s discount for storing a vehicle on a military base. In addition, the company offers savings for good driving, anti-theft features, or being a good student.
• Great Service & Claims Handling: In a 2023 J.D. Power study, USAA received the second-highest customer service score of all major insurance companies. So, law enforcement can trust that USAA will handle their claims efficiently (Read More: USAA Auto Insurance Review).

Cons

• Non-Military Won’t Qualify: You must be a military member, veteran, or family member of one to qualify for USAA insurance coverage. So, law enforcement officers who weren’t in the military can’t get USAA.
• Few Physical Branches: You won’t find many USAA auto insurance offices to get in-person customer service.

#8 – AAA: Best for Roadside Assistance

Pros

• Various Insurance Products: Alongside AAA’s extensive roadside assistance coverage, you can get life, home, renters, and condo insurance. 
• AAA Membership Discount: Law enforcement will get a discount on their auto insurance simply for having an AAA membership.
• Membership Perks: AAA’s membership grants police officers access to discounts on travel, shopping, dining, hotels, auto repair, and more.

Cons

• Must Pay Membership Fee: Having to pay a membership fee to get AAA may deter some law enforcement officers from getting coverage with the company (Read More: AAA Auto Insurance Review).
• Limited Offerings: AAA is primarily known for roadside assistance. Unfortunately, some states may not offer the specific coverage you need, so check with a representative to be sure.

#9 – Geico: Best Police Discounts

Pros

• Great Police Discounts: Emergency deployment, multi-vehicle, federal employee, membership, and defensive driving course discounts with Geico could benefit law enforcement officers. In addition, police officers can save 15% with Geico’s police car insurance discount. (Read More: Geico Auto Insurance Review)
• Cheap Rates: Geico is well-known for its affordable car insurance rates for many drivers, including law enforcement.
• 24/7 Customer Service: Geico’s around-the-clock customer service accomodates police officers who work non-traditional hours.

Cons

• Few Local Agents: Primarily, Geico operates online and on the phone. So, law enforcement officers who prefer in-person assistance with their insurance policy may find that Geico isn’t right for them.
• No Rideshare or Gap Insurance: Police officers who need rideshare auto insurance or gap insurance for their financed vehicle can’t get it with Geico.

Finding the Best Auto Insurance for Law Enforcement

Progressive, Geico, and Farmers have the best car insurance for law enforcement. With Geico, police officers can enjoy tailored discounts, while Progressive policyholders can participate in loyalty programs and manage their policy online. 

However, you might find another car insurance company is a better fit for you — for example, you could save 25% with State Farm’s law enforcement discount. Enter your ZIP code into our free quote comparison tool to find the best rates from top providers near you in minutes.