Compare Rates and Save on Auto Insurance


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.

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Key Takeaways

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GEICO, COUNTRY Financial and Liberty Mutual are some of the insurers that offer discounts specifically for police officers, but they may not have the cheapest policy.

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It’s possible to utilize auto insurance discounts that aren’t job-dependent to save on car insurance as a police officer.

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You can only insure vehicles for personal use; it isn’t possible to insure an official police vehicle.

What Company Has the Cheapest Car Insurance for Police Officers?

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 Logo IconBest forPolice OfficersAuto Insurance

Best Auto Insurance for Police Officers


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.

Overall Best Car Insurance for Police Officers



Cheapest annual average policy cost

Members of the Federal Law Enforcement Officers Association may be eligible for a discount

Offers multiple other discounts


New car replacement or better car replacement is not available

High customer complaint score


GEICO received a MoneyGeek score of 85 out of 100, marking it as a top insurance company. MoneyGeek found that 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.

Read MoneyGeek's GEICO Auto Insurance Review

COUNTRY Financial

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.

First Runner Up

Country Financial


Offers add-on coverages like glass deductible modification

Police officers can receive an occupation discount

Performs very well in claims servicing


Low affordability rating

No accident forgiveness or gap insurance coverage

Limited availability


COUNTRY Financial earned a MoneyGeek score of 86 out of 100. It 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.

Read MoneyGeek's Country Financial Auto Insurance Review

State Farm

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

Second Runner Up

State Farm


Cheap rates overall

Many different discounts are available

Available nationwide


Not-so-stellar customer satisfaction rating

Average affordability score

No gap insurance or accident forgiveness


State Farm is another top-rated auto insurance provider, earning a MoneyGeek score of 81 out of 100. In terms of complaints resolution, State Farm received an above-average rating. And it got a perfect rating for discounts. Although a great overall option, one of State Farm’s drawbacks is its lack of add-on coverages.

Read MoneyGeek's State Farm Auto Insurance Review

Which Companies Offer Discounts to Police Officers?

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.

MoneyGeek Top Pick

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.

MoneyGeek Top Pick
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%-10%.

MoneyGeek Top Pick
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.

What Are Other Ways to Save on Auto Insurance as a Police Officer?

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. In fact, 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.



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.


Increasing Deductibles

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


Dropping Unnecessary Coverages

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.


Shopping 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.

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Car Insurance for Police Officers

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.

Frequently Asked Questions

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.

About Mark Fitzpatrick

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Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.