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Car insurance for law enforcement

Car insurance for law enforcement can be cheaper if you take the time to shop around and look for job-specific discounts. Many major car insurance companies offer car insurance discounts for first responders, including police officers.

Law enforcement officers may also qualify for some special policy benefits offered by a few companies. Police officers, however, aren’t eligible for insurance through USAA. The best car insurance for law enforcement depends on many factors, but below we’ll compare rates and discounts.

Key takeaways

  • Big companies like Famers, Liberty Mutual, and Country Financial offer discounts for law enforcement.
  • First responder discounts will cover law enforcement officers.
  • Law enforcement officers pay slightly less for car insurance than the national average.

How much is car insurance for law enforcement?

On average, car insurance for law enforcement is slightly less than the national average. Actual rates will vary based on location, your driving record, the car you are insuring, and more. Police officers are considered low-risk drivers.

"[Insurers] look at the pool of data they have on firefighters and police officers and...decided that they are a safer group to write than the general public, and they offer some discount on there because they want to write more of that risk," says Josiah Hatch, owner of Bender Hatch Insurance in Boston, Mass.

The table below shows the average rates for law enforcement at several major insurance companies and how it compares to the country overall.

CompanyAverage base rateAverage law enforcement ratePrice difference ($)Price difference (%)
Country Financial$1,645$1,555$905.47%
Grange Mutual$1,154$1,046$1089.36%

The rate you pay will depend on the type of insurance you get and any endorsements you add to your policy. However, when compared it’s clear that Progressive offers the best discount for law enforcement, both in terms of raw dollars saved and in percentage, at a touch over 13%. On the other hand, AAA offers the lowest discount at just under 3%.

Car insurance discounts for law enforcement

The cheapest car insurance for law enforcement can be found by looking for discounts for police and first responders. In addition to those listed above, some major companies that offer those types of discounts include:

  • Travelers
  • Allstate
  • Farmers
  • Nationwide
  • Liberty Mutual

California Casualty is one company with a specific police officer car insurance plan, and the company offers the Fallen Hero/Fallen Officer Survivor Benefit for free. This benefit is paid to your family if you die in the line of duty. California Casualty is the only company that offers a benefit like this.

USAA may be known for insuring military members and their families, but the company does not offer the same services to police officers. However, if you were in the military and become a police officer after an honorable discharge, you can maintain your policies with the company.

How can police officers get cheaper car insurance rates?

Like everyone else, discount car insurance for law enforcement can be found by shopping around and comparing rates. In addition to law enforcement discounts, you can get lower rates by asking about these general discounts:

Every company’s rates will be different based on your needs, your location, and any additional endorsements you add to your policy.


Insurance.com commissioned rates from Quadrant Data Services in 2022 for a 40-year-old driver with a clean record and good credit, with full coverage. Base rates were compared to rates for law enforcement from the same companies.

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