One of the perks of being a police officer is the opportunity to receive reduced car insurance rates.
Being a police officer can be a difficult, thankless job. You’re often overlooked and criticized, and sometimes underpaid. But whether you know it or not, being a police officer comes with some perks — one of them being saving on car insurance. Let’s explore how police officers can find the best rate.
Using the driver profile in our rate methodology, we gathered average six-month insurance premiums based on occupation. Those who work in law enforcement paid 2% less ($1,512 per year) for auto insurance than the national average. Below are insurance rates for law enforcement officers from some of the most popular insurance companies in the nation.
| Insurance Company | Average 6-Month Premium |
|---|---|
| Allstate | $1,011 |
| Farmers | $822 |
| GEICO | $602 |
| Liberty Mutual | $808 |
| Nationwide | $714 |
| Progressive | $748 |
| State Farm | $647 |
| USAA | $545 |
| Amica | $682 |
| AAA | $904 |
With an average monthly rate of $90, USAA was the cheapest insurer for police officers. If you're one of the many law enforcement officers with military experience, USAA could be a great option with low rates.
If you don't qualify for USAA, consider starting your search with GEICO, which is about $10 more per month for a six-month policy. Use the data above as a jumping-off point in your search, and remember that our driver profile likely does not match yours exactly.
Companies offer discounts for police officers — alongside other professions — for what they see as a decreased risk. As a police officer, there’s no one who knows the laws and rules of the road like you. So car insurance companies consider you less likely to file a claim or receive a citation — thus making you a less-risky customer, which is reflected in more affordable rates. Here are some companies offering car insurance discounts for police officers:
There are a couple of things you should consider about these discounts. First, because insurance is state-regulated, an insurance company might not offer a discount in one state while it does in another. Second, your insurance company will require proof of your profession. Sometimes it requires association membership (with an organization such as the Fraternal Order of Police) or other documentation in order to qualify.
*California Casualty offers a unique coverage option. Known as Fallen Officer/Fallen Hero Survivor Benefit, premiums for the remaining calendar year, and the year following, will be waived for your surviving spouse or partner. Some states (Texas, Georgia, Montana, New Hampshire, and Tennessee) do not participate in this program.
In any case, you should consider alternative ways to save on auto insurance that exist beyond your profession. Let’s break down some cost-cutting solutions.
As a cop, you should follow the rules of the road regardless of a discount. But, as you can estimate, violations like speeding or DUIs can have major impacts on your insurance premium. So, if you want to stay in the good graces of your employer and your car insurance company, mind the road.
| Accident/Violation | 6-Month Premium Increase |
|---|---|
| None | |
| Speeding 11 - 15 MPH Over Limit | $169 |
| Speeding 16 - 20 MPH Over Limit | $192 |
| Speeding 21 - 25 MPH Over Limit | $230 |
| At-Fault Accident | $384 |
| Reckless Driving | $519 |
| Racing | $565 |
| DUI | $550 |
If you own a home or rent an apartment, you should bundle your policy with your auto in order to get what's called a multi-policy discount. This discount, which affects both your home/renters and auto, can save you an average of $79-$149 a year on your car insurance. If you have other forms of insurance, such as motorcycle, life insurance, or umbrella, you can also get a discount by bundling them as well.
| Savings with Renters | Savings with Home |
|---|---|
| $79 | $149 |
How you pay can have a big impact on your car insurance premium. If you pay all of your premium upfront versus monthly payments in installments, you reduce the number of processing fees your insurance company will charge you. Furthermore, if you pay for your auto insurance via electronic funds transfer (EFT) rather than a credit or debit card, you can see some savings as well.
| Savings with Paid in Full | Savings with EFT |
|---|---|
| $85 | $24 |
Telematics is something insurance companies are starting to embrace. Basically, using an in-car device, insurance companies track the way you drive in order to more accurately determine your premium. Rather than using things like your location or credit score as indicators, this method allows for insurance companies to more accurately price your rate.
Here are some companies that have these programs, as well as potential savings. Consider, however, that your state might not participate in these programs, even if your company is listed below.
| Company | Estimated Savings |
|---|---|
| Progressive's SnapShot | Average of $130 |
| Allstate's Drivewise | Average of 10-25% |
| State Farm's Drive Safe and Save | Up to 15% |
| Esurance's DriveSense | Varies |
| Nationwide's SmartRide | Up to 40% |
| Liberty Mutual's RightTrack | Average of 5-30% |
| GEICO DriveEasy | Varies |
| Metromile | Varies |
| Root | Varies |
As an officer of the law, you understand that the only coverage level you're required to have is your liability coverage (unless you have a lien or lease on the vehicle). So, if your vehicle is paid off and the value of your car has depreciated significantly, consider if having comprehensive and collision coverage is financially worth it. If you don't want to lose those physical coverages, consider raising your deductible. Here are our tips regarding if you should reduce coverage:
It’s important to consider that just because a company offers a discount based on your profession, it doesn’t necessarily mean you can’t get a better deal elsewhere. You should shop around for car insurance with as many companies as possible in order to make sure you find the best possible rate. Enter your ZIP code below to get started comparison shopping for insurance quotes from companies across the US.
