Car insurance for law enforcement

How much is car insurance for law enforcement?

The average cost of car insurance for law enforcement is $2,289 annually, but cheaper rates are available. Grange Insurance has the cheapest rates for law enforcement officers at $1,429, but it is only available in 13 states.

Your occupation may affect car insurance costs, with low rates or additional discounts. Since insurance rates vary significantly by state and company, law enforcement can find cheap car insurance by comparing rates from multiple companies.

Average annual premium	Average monthly premium
$2,289	$190

Average car insurance cost for law enforcement by company

Grange Insurance offers the lowest car insurance rates for law enforcement at $1,429 on average, and Safeway Insurance offers the highest at $3,321 on average. Car insurance rates for law enforcement officers vary between companies. Each insurer has its own formula for calculating risk, so rates can vary significantly.

This table shows the average car insurance rates for law enforcement by insurer.

Company	Average base rate	Average rate for law enforcement	Dollar difference	Percentage difference
Auto Club Group (AAA)	$1,834	$1,787	$47	3%
Country Financial	$2,298	$2,103	$195	9%
Farmers	$3,207	$3,184	$23	1%
GEICO	$2,159	$2,013	$146	7%
Grange Insurance	$1,512	$1,429	$83	5%
Mercury Insurance	$3,107	$3,051	$56	2%
Progressive	$2,569	$2,217	$352	14%
Safeway Insurance	$3,843	$3,321	$522	14%
Western National Insurance	$2,928	$2,826	$102	3%

Car insurance rates for law enforcement by state

Car insurance for law enforcement ranges from an average of $1,482 per year in Maine to $3,515 in Louisiana. State insurance requirements and local risk factors affect premiums. Some states also restrict the use of occupation in rate calculations, which affects the availability of profession-based discounts.

The table below shows the average cost of car insurance for law enforcement by state.

Map

Table

State	Average base rate	Average rate for law enforcement	Dollar difference	Percentage difference
Alaska	$2,167	$1,875	$292	13%
Alabama	$2,116	$1,941	$175	8%
Arkansas	$2,942	$2,797	$145	5%
Arizona	$2,420	$2,258	$162	7%
Colorado	$3,181	$2,642	$539	17%
Connecticut	$2,742	$2,359	$383	14%
Delaware	$3,157	$2,691	$466	15%
Florida	$3,916	$3,187	$729	19%
Georgia	$2,503	$2,376	$127	5%
Hawaii	$1,757	$1,744	$13	1%
Iowa	$2,460	$2,165	$295	12%
Illinois	$1,938	$1,770	$168	9%
Indiana	$1,894	$1,586	$308	16%
Kentucky	$2,624	$2,502	$122	5%
Louisiana	$3,999	$3,515	$484	12%
Maryland	$1,999	$1,955	$44	2%
Maine	$1,808	$1,482	$326	18%
Minnesota	$2,591	$2,517	$74	3%
Mississippi	$2,397	$1,865	$532	22%
Montana	$2,476	$2,187	$289	12%
North Carolina	$2,638	$2,397	$241	9%
North Dakota	$2,439	$2,057	$382	16%
Nebraska	$2,095	$1,839	$256	12%
New Hampshire	$1,689	$1,546	$143	8%
New Jersey	$3,122	$2,684	$438	14%
New Mexico	$2,577	$2,450	$127	5%
Nevada	$3,963	$3,534	$429	11%
Ohio	$1,783	$1,685	$98	5%
Oklahoma	$2,993	$2,895	$98	3%
Oregon	$2,048	$1,893	$155	8%
Pennsylvania	$2,327	$1,817	$510	22%
Rhode Island	$2,878	$2,403	$475	16%
South Carolina	$2,417	$2,126	$291	12%
Tennessee	$2,235	$1,927	$308	14%
Texas	$3,106	$2,655	$451	15%
Utah	$2,356	$2,254	$102	4%
Virginia	$1,835	$1,561	$274	15%
West Virginia	$2,415	$2,255	$160	7%

*Some state rates will vary based on the addition of a hurricane deductibleThe deductible is the amount you pay out of pocket for a covered loss when you file a claim. and may be much higher when included.

Car insurance discounts for law enforcement

Law enforcement officers receive an average car insurance discount of 11%, reducing the average annual premium from $2,578 to $2,289. Discount amounts vary by insurer, and not every state permits occupation-based pricing.

Premium before discount	Premium after discount	Dollar savings	Percentage savings
$2,578	$2,289	$289	11%

How to get cheap car insurance as a law enforcement officer

Law enforcement officers looking for affordable car insurance should compare quotes from several insurers, ask about occupation-based discounts, and check savings for safe driving or bundling policies. Choosing appropriate coverage limits and deductibles also helps control premiums without sacrificing needed protection.

“Educators and the military are the most common, but you can find a company that offers discounts for almost any field. That doesn't mean that it'll add up to a meaningful amount,” says Zack Pope, agency manager at David Pope Insurance in Union, Missouri. “Some states also do not allow for rating on job fields because of ethics. We have several companies that just ask if the person is employed or not.”

Fortunately, there are other ways to save on car insurance besides lower rates and discounts for your profession.

First, check for other car insurance discounts you may be eligible for. For example, you may qualify for savings such as safe driver, multi-policy, and paying your premium in full. Most insurers allow you to stack discounts for the most significant savings.

Next, consider joining a professional organization. Some insurers, such as GEICO, offer discounts to drivers who are members of specific organizations.

Additionally, your personal factors affect car insurance rates. Consider adjusting coverage limits and deductibles to lower rates. Maintaining a clean driving record and a high credit score can also help you save on car insurance.

Finally, compare rates from multiple companies to find the cheapest car insurance for law enforcement. Consider rates, discounts, and coverage to find the best insurer for your needs.