Geico, State Farm, and Progressive are the best car insurance companies for law enforcement. Their starting rates start at $36/mo, and they are chosen for their exclusive benefits and discounts for police officers.

Geico leads with a 15% discount tailored for law enforcement, making it the top pick overall. State Farm and Progressive also offer competitive discounts for cops who are safe drivers.

Company	Rank	Bundling Discount	A.M. Best	Best For	Jump to Pros/Cons
	#1	25%	A++	Exclusive Discounts	Geico
	#2	17%	B	Multiple Policies	State Farm
	#3	10%	A+	Safe Drivers	Progressive
	#4	25%	A	Accident Forgiveness	Liberty Mutual
	#5	30%	A+	Excellent Service	Amica
	#6	25%	A++	Diverse Options	Auto-Owners
	#7	20%	A+	Full Coverage	Nationwide
	#8	5%	A+	Retired Officers	The Hartford
	#9	20%	A	Bundle Discounts	Farmers
	#10	10%	A++	Military Families	USAA

These companies provide the most robust options for officers seeking the best coverage. See if you’re getting the best deal on car insurance by entering your ZIP code above.

What You Should Know

• Insurance companies consider law enforcement low-risk
• Geico leads with a 15% car insurance discount for police officers
• Officers can get cheaper rates with Progressive Snapshot UBI

#1 – Geico: Top Overall Pick

Pros

• Special Savings for Law Enforcement: Geico offers a 15% discount on premiums exclusive to law enforcement employees.
• Low-Cost Policies: Geico offers affordable options for police on a limited budget. Learn about the top ways customers have saved money on car insurance.
• Excellent Financial Stability (A++): Geico's superior financial strength rating gives law enforcement officials confidence when filing claims.

Cons

• Limited Customization for Law Enforcement Needs: Although Geico's insurance options are reasonably priced, some officers may not find the flexibility they want.
• Possibly High Deductibles for Complete Coverage: Officers who want complete protection could have to pay higher deductibles.

#2 – State Farm: Best for Multiple Policies

Pros

• Law Enforcement Benefits: State Farm values law enforcement officers with exclusive savings when they protect their homes and vehicles under one plan.
• Budget-Friendly Protection: Quality coverage doesn't have to break the bank - State Farm's plans begin at $42 monthly for comprehensive protection.
• Coast-to-Coast Support: Serving 48 states, State Farm's comprehensive network ensures reliable coverage wherever duty calls. Explore local coverage options in our review of State Farm.

Cons

• Lower Financial Ratings (B): State Farm's rating from A.M. Best is much lower than other auto insurance companies for law enforcement.
• Higher Premiums for High-Risk: Law enforcement officers with high-risk driving records may discover that complete coverage is more expensive.

#3 – Progressive: Best for Safe-Driving Rewards

Pros

• Snapshot Usage-Based Rewards: Law enforcement personnel are rewarded for safe driving using a progressive system that uses snapshot use. Check out the savings in our Progressive Snapshot review.
• Flexible Options: Progressive gives police enforcement officers the ability to personalize their coverage with flexible policy options.
• Affordable Premiums: Competitive auto insurance prices for police officers are available from Progressive, with monthly rates as low as $45; these rates are affordable.

Cons

• Inconsistent Customer Service: Police officers in some states complain about inadequate insurance claims processing and customer service.
• Higher Rates for Full Protection: The complete coverage prices offered by Progressive may be more expensive for officers who want comprehensive coverage.

#4 – Liberty Mutual: Best for Accident Forgiveness

Pros

• Accident Forgiveness: Liberty Mutual ensures that a single accident won’t cause law enforcement insurance rates to spike.
• Broad Policy Options: Our Liberty Mutual review shows the variety of insurance policies designed for personal and business use.
• Specialized Discounts for Officers: Liberty Mutual extends additional discounts to law enforcement.

Cons

• Premiums on the Higher Side: With starting rates around $54 per month for minimum coverage, Liberty Mutual may be a bit pricey.
• Discounts Can Be Limited by Location: Some law enforcement officers may find Liberty Mutual’s discount offerings aren’t as widely available.

#5 – Amica: Best for Customer Satisfaction

Pros

• Excellent Service: Amica's customer satisfaction rating is constantly excellent. Learn what Amica policyholders are saying.
• Fair Prices: Amica offers a good mix of cost and high-quality service, with a minimum coverage of $50 per month.
• Consistent Financial Standing (A+): Amica's strong rating from A.M. Best gives police the assurance they need when filing claims.

Cons

• Limited Law Enforcement Savings: When it comes to law enforcement savings, Amica offers fewer discounts than other companies.
• Full Coverage Rates: Amica offers full coverage rates of around $130 per month, which may be more expensive.

#6 – Auto-Owners: Best for Diverse Coverage Needs

Pros

• Comprehensive Protection for Law Enforcement: Auto-Owners tailors a broad array of coverage choices. Read more in our Auto-Owners Insurance review.
• Affordable Law Enforcement Rates: Auto-Owners ensures law enforcement officers can access essential coverage at a manageable cost.
• Top-Tier Financial Stability (A++): With a superior rating from A.M. Best, Auto-Owners provides law enforcement professionals with peace of mind.

Cons

• Limited Law Enforcement Discounts: Auto-Owners may offer fewer discount options specifically designed for law enforcement officers.
• Online Tools Could Be Improved: Auto-Owners’ digital platform may lack the convenience or user-friendly features some law enforcement officers look for.

#7 – Nationwide: Best for Full Coverage

Pros

• Competitive Full-Coverage Pricing: Nationwide is cheaper for full coverage per month than other car insurance companies for law enforcement officers.
• Highly Customizable Coverage: Nationwide allows law enforcement officers to fine-tune their coverage.
• Strong Financial Foundation (A+): Nationwide ensures law enforcement professionals can rely on its financial strength. Get full ratings in our Nationwide review.

Cons

• Fewer Law Enforcement Discounts: Nationwide's discounts for law enforcement officers might be fewer compared to other companies.
• Premiums for Minimum Coverage Can Be High: Law enforcement insurance rates with Nationwide are higher for state minimum liability than some competitors.

#8 – The Hartford: Best for Retired Law Enforcement

Pros

• Trusted Reputation: The Hartford is a trusted name in car insurance for retired law enforcement.
• Accident Forgiveness: The Hartford offers accident forgiveness to law enforcement officers.
• Affordable Law Enforcement Premiums: The Hartford offers coverage starting at $43 per month. Read more in The Hartford reviews.

Cons

• Limited Discounts for Law Enforcement: The Hartford may offer fewer law enforcement-specific discounts, which can limit potential savings in some states.
• Restricted Eligibility: The Hartford auto insurance for law enforcement is only available to retired officers who have an AARP membership.

#9 – Farmers: Best for Bundled Policies

Pros

• Bundling Savings: Farmers rewards law enforcement officers who combine multiple policies. See more details in our Farmers review.
• Customizable Plans: Farmers allows law enforcement officers to personalize their coverage.
• Solid Financial Ratings (A): Farmers ensures financial security to support law enforcement insurance claims.

Cons

• Higher Premiums for Law Enforcement: Farmers insurance quotes for law enforcement officers are higher than many competitors, starting at $63 monthly.
• Complex Claims Processing: Farmers’ claims process can be time-consuming, which may not be ideal for officers.

#10 – USAA: Best for Military Families

Pros

• Tailored Coverage: USAA provides specialized coverage for law enforcement officers and military members.
• Budget-Friendly Rates: USAA offers the cheapest auto insurance rates for police officers with military backgrounds, starting at $36 per month.
• Top Financial Strength (A++): USAA offers law enforcement officers peace of mind through its strong financial backing. Get more insurance ratings in our USAA review.

Cons

• Restricted Eligibility: USAA is primarily designed for military personnel and their families.
• Fewer Law Enforcement Discounts: USAA discount offerings for law enforcement officers may be less robust.

Law Enforcement Car Insurance Coverage Rate Comparison

Scroll through this table to explore auto insurance costs for law enforcement by company and coverage level. USAA and Geico offer the best rates for police officers.

Insurance Company	Minimum Coverage	Full Coverage
	$50	$130
	$55	$140
	$63	$155
	$37	$114
	$54	$150
	$48	$135
	$45	$129
	$42	$122
	$58	$151
	$36	$115

USAA provides $36 minimum and $115 full coverage monthly rates but only to law enforcement with military ties. Otherwise, police officers can get cheap car insurance with Geico at $37/month for minimum and $114/month for full coverage.

Compare these costs to more expensive companies like The Hartford and Farmers. Farmers has the highest rates starting at $63/month. However, State Farm balances affordability with $42 monthly for minimum and $122 per month for full coverage.

Exclusive Car Insurance Discounts for Law Enforcement

This table provides a breakdown of discounts available to law enforcement officers from the top ten insurance companies.

Insurance Company	Available Discounts
	Good Drivers, Multi-Lines, First Responders and Law Enforcement Personnel.
	Law Enforcement, Safe Drivers, Multiple Policies, and Claims-Free History.
	Law Enforcements, Safe Drivers, Multi-Lines, and Affinitys for Public Service Employees.
	Military, Government, First Responders and Law Enforcement Personnel, Multi-Policys, and Safe Driver Rewards.
	First Responders and Law Enforcement, Accident Forgiveness, and Bundling Home and Auto Insurance.
	Law Enforcement and First Responders, Accident-Free Driving, and Multi-Policy Bundling.
	Safe Drivers, Accident Forgiveness, Multi-Policys, and Law Enforcement-Specific Programs in Some Areas.
	Safe Driving, Accident-Free Driving, Law Enforcement Personnel, and Bundling Multiple Policies.
	Special Programs for AARP Members, Law Enforcement and First Responders, and Accident Forgiveness.
	Military and Law Enforcement Personnel, Multi-Policy Savings, Accident Forgiveness, and Safe Driver Rewards.

Most companies like State Farm, Liberty Mutual, and Amica enhance savings by allowing officers to bundle home and auto policies for added convenience and reduced rates. But Geico is the best auto insurance company for law enforcement, with its 15% employee discount tailored specifically for the police.

These discounts, tailored to the unique demands of law enforcement, ensure officers can access comprehensive coverage at a reduced cost. Discover the cheapest car insurance for multiple vehicles.

Explore Top Insurance Providers for Law Enforcement

Geico, State Farm, and Progressive are the best car insurance companies for law enforcement due to their exclusive discounts, bundled savings, and safe driving rewards.

Geico stands out with a 15% discount for officers, while State Farm offers significant savings through home and auto bundles.

Screenshot this post! If you are in a hurricane-impacted area, or have friends or loved ones who are, save this as a reference. State Farm customers can use any of the options below to start the claim process or follow up on a claim. https://t.co/RUi06doKId pic.twitter.com/HRpYn2GG8B

— State Farm (@StateFarm) October 9, 2024

Police officers with what's considered a clean driving record can get rewards with Progressive Snapshot. However, by comparing multiple car insurance options, officers can secure the best coverage and savings in their area.

Our free online comparison tool below allows you to compare cheap car insurance quotes instantly — just enter your ZIP code to get started.