How to Get a Police Auto Insurance Discount (2024)
State Farm’s police auto insurance discount provides savings of up to 25%. In addition to auto insurance discounts, those working in law enforcement can lower their auto insurance with telematics apps. Find the best police officer auto insurance discounts and ways to save on police auto insurance below.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
UPDATED: Oct 18, 2023
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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Oct 18, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Police auto insurance discounts can offer savings of up to 25%
- Companies that offer police discounts include Geico, State Farm, and more
- Police can also use general discounts to maximize their savings
Police officers can earn a discount on their personal vehicle with a discount for police auto insurance at many companies. Police auto insurance discounts differ from insurance for police vehicles, since police vehicles aren’t personal vehicles and have insurance through the police department.
The discount amount for police personal auto insurance policies varies, but police officers can often save at least 5% off their policy. Read on to learn more about how to find the best police officer car insurance discounts.
Understanding Police Auto Insurance Discounts
Insurance companies often label a police auto insurance discount as an occupation discount. These discounts include several different careers that can qualify, from auto insurance discounts for sheriffs to discounts for nurses. So if you don’t see a discount specifically labeled as a police auto insurance discount, it’s likely called an occupation discount instead.
Insurance companies may also offer first responder auto insurance discounts, which police officers will also qualify for, even though a first responder auto insurance discount is not specifically labeled as a police auto insurance discount. You may also see a discount for unions offered, such as police union member discounts.
So just because you don’t see the wording “police auto insurance discount” doesn’t mean the company won’t have a law enforcement car insurance discount. It might just be labeled under a different discount name.
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Companies That Offer Police Auto Insurance Discounts
Many companies offer police car insurance discounts, allowing members of law enforcement to get cheap auto insurance coverage. The table below lists which companies offer police auto insurance discounts and the average amount police officers can save:
Police Force Auto Insurance Discounts
| Insurance Company | Discount Offered |
|---|---|
| Geico | Up to 15% off premiums for active or retired police officers |
| State Farm | Up to 25% off premiums for current or former law enforcement officers |
| Allstate | Up to 25% off premiums for current or former police officers |
| Progressive | Up to 10% off premiums for police officers and their families |
| Farmers | Up to 5% off premiums for police officers |
Most law enforcement auto insurance discounts will apply to current and retired police officers.
Exploring Your Options for Police Auto Insurance Discounts
When exploring your options for discounts on car insurance for police officers, start by looking at our list in the previous section to find the best auto insurance companies for police auto insurance discounts. If you’re already with one of the companies on our list but aren’t sure if you earn a police discount, contact the company.
If your current company doesn’t offer an auto insurance discount for police officers, consider looking into other companies to see if you can get a better deal with a police insurance discount.
Get the Law Enforcement Auto Insurance Discount
To get law enforcement discounts, drivers must provide proof of their involvement in law enforcement.
Each company will specify what is needed to qualify for police auto insurance discounts, whether a badge number or a police photo I.D. Once you reach out to your company and prove you’re a police officer, the company will apply the discount to your auto insurance policy.
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Strategies for Securing Police Auto Insurance Discounts
Shopping around for police discounts and getting quotes from different companies is the best way to secure the best possible rate because it will show you how much the discount saves you on the overall policy. For example, while Allstate auto insurance offers one of the biggest discount percentages to police officers, the company typically has higher rates than others.
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Therefore, the best way to see which company’s police discount will save you the most is to get an auto insurance quote. Getting auto insurance quotes shows how much you’ll pay for a policy after discounts apply.
Read More: Allstate Auto Insurance Review
Maximizing Your Savings on Auto Insurance for Police Officers
Besides police officer auto insurance discounts, there are other auto insurance discounts you can look for at your company, such as:
- Customer loyalty auto insurance discount
- Good driver auto insurance discount
- Low mileage auto insurance discount
- New car auto insurance discount
- Anti-theft auto insurance discount
- Pay-in-full auto insurance discount
These discounts can be combined with police officer auto insurance discounts to maximize your savings. We recommend looking at your insurance company’s list of offered law enforcement discounts to see what other savings you can apply for to reduce your rates on your vehicle insurance for law enforcement.
Getting the Best Police Auto Insurance Rates
Drivers shopping for auto insurance for law enforcement officers can get the best rates by comparing discounts for police personnel and rates from different companies. Police officers who take the time to evaluate auto insurance quotes can rest assured that they have the best rate on their auto insurance coverage.
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Frequently Asked Questions
Who qualifies for a police auto insurance discount?
Most companies allow currently employed police officers and retired police officers to qualify for a police auto insurance discount.
What is the typical savings amount for a police auto insurance discount?
Savings for police auto insurance discounts range from 5% to 25%.
Which providers have a dedicated police auto insurance discount?
Special insurance rates for police officers are offered by Allstate, Geico, Farmers, Progressive, and State Farm auto insurance.
Which company gives the biggest discount for law enforcement auto insurance?
State Farm and Allstate offer up to 25% off for police, which is the highest percentage off auto insurance for first responders.
Is there a first responder discount that police officers can get?
Yes, some companies offer a first responder auto insurance discount that police officers can qualify for.
Does Allstate give a police auto insurance discount?
Yes, Allstate has a police auto insurance discount of up to 25%.
Can police officers get USAA insurance?
Yes, if the police officer previously served in the military or an immediate family member did, they can get USAA auto insurance. Otherwise, they’ll need to find coverage elsewhere. Police officers can still find savings at other companies with a police officer auto insurance discount.
Can police officers get an auto insurance discount with Progressive?
Yes, Progressive auto insurance offers a police officer auto insurance discount.
Is there a law enforcement discount at USAA?
USAA doesn’t offer a discount on vehicle insurance for law enforcement.
Does State Farm have police auto insurance discounts?
Yes, State Farm has a police auto insurance discount of up to 25%.
Is there a Geico police auto insurance discount?
Yes, Geico auto insurance has a police auto insurance discount of up to 15%.
What is the best auto insurance for police officers?
The best auto insurance for police officers will be a policy that is both affordable and has good coverage. We recommend starting the search by looking at the top companies that offer police auto insurance discounts.
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Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.