Car Insurance for Police Officers

Some car insurance providers give a discount to police officers and a other select occupations. Please note that a policyholder’s occupation is not typically a factor when carriers compute rates.

In terms of cost, it’s better to pinpoint the cheapest average insurance policy instead of selecting insurers that specialize in auto insurance for police officers.

MoneyGeek found available discounts, ways to save and other essential information on police car insurance to help you find the best and cheapest policy. We list the rates for a 100/300/100 comprehensive and collision policy.

• What Company Has the Cheapest Car Insurance for Police Officers?
• Which Companies Offer Discounts to Police Officers?
• What Are Other Ways to Save on Auto Insurance as a Police Officer?
• Car Insurance for Police Officers
• Frequently Asked Questions

Some companies offer discounts for first responders or federal employees. Ratings for the different companies that we have found are for a 100/300/100 comprehensive and collision policy in each case.

Based on MoneyGeek’s analysis, GEICO offers the cheapest auto insurance for police officers, averaging $1,032 per year. That rate excludes a possible discount for officers affiliated with the Federal Law Enforcement Officers Association.

We also found COUNTRY Financial and State Farm as great options with competitive rates for law enforcement car insurance. Below, MoneyGeek provides an in-depth analysis of each company to assist your decision-making.

MoneyGeek’s top pick for the best car insurance for law enforcement is GEICO, especially with its widely available discounts. On average, GEICO offers the most affordable policy at $1,032 per year.

The next best option for police officer auto insurance is COUNTRY Financial; its annual average policy cost is $1,110. COUNTRY Financial received high scores across most categories; it got a perfect score for discounts, but its affordability score is average.

Another excellent auto insurance option for police officers is State Farm. Its average annual premium cost is $1,216 per year.

MoneyGeek’s research revealed that GEICO, COUNTRY Financial and Liberty Mutual offer an auto insurance discount to law enforcement officers; these are for a 100/300/100 comprehensive and collision policy. In most cases, occupational discounts, like a police officer discount, are uncommon. For cost-cutting as a police officer in need of auto insurance savings, checking with multiple companies, whether they offer a discount for law enforcement or not, is the best way to get the best and cheapest policy for your needs.

Generally, auto insurance providers don’t offer special treatment to drivers based on their occupation. That includes law enforcement officers. Instead, factors such as driving history, credit score, location and claims record affect how premiums are calculated. A driver’s job isn’t an influencing element.

Although some top companies offer car insurance discounts for police officers, it’s much faster to select a policy from the cheapest car insurance company.

Police officers cannot insure an official police vehicle. The state, county or city insures official police vehicles. Police officers are only responsible for insuring their personal vehicles, per the minimum requirements of their state.

The process of insuring your personal vehicle, even as a police officer, is the same as anyone else. Some insurance providers might see police officers as low-risk due to their awareness of the law. However, that isn’t always the case. Insurance providers don’t usually focus on a driver’s occupation when computing a premium.

While there are car insurance companies that offer a discount to police officers, it might not always be the best option. MoneyGeek answers the most commonly asked questions about police car insurance.