Car Insurance for Police Officers


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Key Takeaways

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GEICO is the best car insurance company for police officers, offering affordable rates and discount opportunities.

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Although State Farm has the cheapest car insurance rate, it only ranks second due to limited add-on coverages.

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Police officers can maximize savings by checking alternative discounts, increasing deductibles, dropping unnecessary coverage and shopping around.

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Best Car Insurance for Police Officers

MoneyGeek's analysis found GEICO to be the best car insurance company for law enforcement, offering affordable policies, discounts and service quality. We also found State Farm and Country Financial great options for law enforcement.

Below, we provide an in-depth analysis of each company to assist your decision-making.

Company logo for GEICO
Best OverallGEICO
MoneyGeek Score:
88/ of 100

Monthly Premium$78
Annual Premium$936
Overview

MoneyGeek’s top pick for the best car insurance for law enforcement is GEICO, especially with its widely available discounts. On average, GEICO offers an affordable policy at $936 per year.

GEICO is a great option for police officers, offering a cheap premium for different driver profiles and coverage types. GEICO also garnered an above-average score for customer satisfaction.

Company logo for State Farm
First Runner-UpState Farm
MoneyGeek Score:
88/ of 100

Monthly Premium$74
Annual Premium$883
Overview

State Farm is another top-rated auto insurance provider, earning a MoneyGeek score of 88 out of 100. In terms of complaints resolution, State Farm received an above-average rating. And it got a high rating for discounts.

Although a great overall option, one of State Farm’s drawbacks is its lack of add-on coverages.

Company logo for Country Financial
Second Runner-UpCountry Financial
MoneyGeek Score:
74/ of 100

Monthly Premium$103
Annual Premium$1,240
Overview

Country Financial is another viable option for police officers. The company provides rare add-on coverages like glass deductible modification and portable electronics and media coverage. 

A downside of Country Financial is that it is only available in 19 states. But, it does offer many car insurance discounts that can lower a policy’s cost.

**NOTE: The rates above are for a 100/300/100 comprehensive and collision policy.

Car Insurance Discounts for Police Officers by Company

Some car insurance providers give specific discounts to police officers and other select occupations. These include GEICO, Country Financial and Liberty Mutual.

Company
Description

GEICO

GEICO typically provides a discount to police officers who are members of the Federal Law Enforcement Officers Association. Before purchasing a policy, ask about availability because this discount may not be available where you live, and the discount amount can vary.

Country Financial

Unlike many insurance providers, Country Financial offers discounts for various occupations through its first responders discount program. Full-time firefighters, police officers, EMTs and paramedics may be eligible for a discount of 5% to 10%.

Liberty Mutual

Through Liberty Mutual, police officers can save 12% or more when purchasing an auto insurance policy online. Police officers benefit from special auto and home insurance savings with Liberty Mutual because of a partnership with the Fraternal Order of Police.

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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.

How to Get Cheap Car Insurance for Police Officers

If you have a preferred insurance company that doesn’t offer a discount specifically for police officers, there are other options to save money. For example, police officers can save on their auto insurance premium with widely available discounts.

Some of these discounts might be easier to find and get on your policy. Here are ways to lower the cost of auto insurance as a police officer.

  1. 1

    Check alternative discount options

    Insurance providers usually offer a variety of discounts, which is why you should look at companies that don’t cater to police officers. For instance, bundling policies, such as home and auto, is a standard and widely available discount that can result in large savings. Other examples include safe driving and anti-theft system discounts.

  2. 2

    Increase your deductible

    Another way to save money is to increase your comprehensive or collision deductible or both. Although this lowers your premium, remember that you need to cover the deductible out-of-pocket when filing a claim.

  3. 3

    Consider pay-per-mile insurance

    Police officers who don't drive a lot may consider getting pay-per-mile insurance. Premiums will be based on how much you drive.

  4. 4

    Drop unnecessary coverage

    If the cash value of your vehicle is less than your annual premium, you might not need comprehensive and collision auto insurance. Sometimes, purchasing liability coverage is enough.

  5. 5

    Shop around

    Weighing various auto insurance options is a great way to save. When comparing quotes, you might find cheap insurance because of discount availability for police officers or other discounts. In some cases, discounts may not even matter — one company can simply cost less than another.

Compare Car Insurance Quotes for Police Officers

Car insurance premiums depend on various factors. To find the best rates, compare quotes from multiple insurers. MoneyGeek's calculator can help you get started.

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$192
High
$139
Average
$87
Low

Rates updated:

Apr 23, 2025

Insurance Carrier
MoneyGeek Score
Average Monthly
Payment
1
Capital Insurance Group

Capital Insurance Group

94
/of 100
$87
2
GEICO

GEICO

82
/of 100
$109
3
83
/of 100
$118
4
83
/of 100
$129
5
79
/of 100
$133
6
77
/of 100
$151
1
Capital Insurance Group

Capital Insurance Group

MoneyGeek Score
94
/of 100
Average Monthly Payment$87/mo
2
GEICO

GEICO

MoneyGeek Score
82
/of 100
Average Monthly Payment$109/mo
MoneyGeek Score
83
/of 100
Average Monthly Payment$118/mo
MoneyGeek Score
83
/of 100
Average Monthly Payment$129/mo
MoneyGeek Score
79
/of 100
Average Monthly Payment$133/mo
MoneyGeek Score
77
/of 100
Average Monthly Payment$151/mo
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Car Insurance for Law Enforcers: Does Your Profession Matter?

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.

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Insurance companies may see police officers as lower-risk drivers due to their knowledge of the law.

Do You Need Car Insurance for Official Police Vehicles?

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.

Do You Need Car Insurance for Your Personal Car?

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.

Auto Insurance for Police Officers: Bottom Line

In this page, we explored the best car insurance options for police officers, including discounts and ways to save. GEICO offers the best policy at $936 per year, with additional discounts available for members of the Federal Law Enforcement Officers Association. Country Financial and Liberty Mutual also provide exclusive savings for law enforcement.

However, job-based discounts don’t always guarantee the lowest rates. Police officers can often save more through safe driving, bundling, or increasing deductibles. The best way to find the cheapest coverage is to compare multiple providers rather than relying solely on occupation-based discounts.

Police Car Insurance: FAQ

While there are car insurance companies that offer a discount to police officers, it might not always be the best option. See answers to common questions about police car insurance below.

What is the best car insurance for police officers?

Do police officers pay less?

How can I save on my auto insurance?

Best Car Insurance Companies for Police Officers: Our Review Methodology

Why Trust MoneyGeek? 

MoneyGeek conducted a study and gathered data from Quadrant Information Services and state insurance departments using various profiles and geographic locations to showcase how critical it is to compare car insurance rates when shopping for a policy — as rates for the same individual profile can differ greatly across insurance companies.

Study Overview

Comparing car insurance is critical to finding the best rates and coverage. Rates differ greatly depending on a variety of factors, including age, geographic location, vehicle type, driving records, credit history and the insurance company. To provide the most helpful information, MoneyGeek gathered quotes based on these factors to create data-backed averages to help you find and compare car insurance quotes to discover the best affordable options for you.

Data Acquisition, Depth and Analysis

MoneyGeek gathered quotes from Quadrant Information Services as well as state insurance departments and analyzed 83,056 quotes from 46 companies across 473 ZIP codes.

Driver Profiles

MoneyGeek used a sample driver profile to collect consistent average insurance rates. The average driver profile is based on the following persona:

  • 40-year-old male
  • Clean driving record
  • 100/300/100 liability limits
  • Comprehensive and collision coverage with a $1,000 deductible
  • 2010 Toyota Camry LE
  • 12k miles driven annually

This profile was modified by age, location and vehicle, as well as driving and credit history, to collect additional data that most accurately provided averages for different driver needs and profiles.

Coverage Levels and Deductibles Explained

Average rates on this page are for a full coverage policy with 100/300/100 liability limits and comprehensive and collision coverage with a $1,000 deductible unless otherwise noted.

A 100/300/100 policy means:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $100,000 property damage liability per accident

A $1,000 comprehensive and collision deductible means that you would need to pay $1,000 before your insurance provider covers a claim for damages to your car. Generally, a higher deductible means a lower policy premium.

Learn more about MoneyGeek's methodology.

Car Insurance for Law Enforcers: Related Articles

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.

Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!

Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.


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