Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Mar 19, 2020

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The lowdown...

  • Your profession can highly influence your auto insurance policy, most importantly when it comes to car insurance rates
  • Only a small number of insurance companies offer specialized policies for the members of law enforcement agencies
  • Police officers are highly trained professional drivers in the eyes of the law and auto insurers companies perceive them as safer drivers hence the possibility of getting cheaper rates
  • Insurance companies also take into consideration the driving patterns associated with certain professions and sometimes police officers may be seen as high-risk drivers
  • The only way to ensure that you get the best auto insurance rates as a police officer is to compare as many quotes as you can when shopping for auto insurance

Police officers have different duties in society, the most important one being to serve and protect the American citizens. Law enforcement personnel and other first responders are highly trained drivers with many years of driving experience.

Due to nature of the profession, police officers attract certain discounts from auto insurers.

However, being trained professional drivers doesn’t always get you the best rates when it comes to auto insurance. Other factors in this particular line of work come into play which works against you and could spike your auto insurance.

If you are in law enforcement and are looking to lower your auto insurance costs, start comparing auto insurance rates by entering your ZIP code above!

Your Profession And Your Car Insurance Rates


  • Many people are surprised to know that certain professions, as well as memberships to certain bodies, may attract lower auto insurance rates. For example, you may get car insurance discounts for being a member of an auto club.
  • Being a member of a Credit Union regardless of your profession might get you a discount on your car insurance.
  • Having the membership of an auto club like AAA can get you good rates.
  • Certain vocational groups and professional organizations qualify for discounts. Make sure you’re you present all your membership information to your insurer to enjoy these discounts.
  • Being a member of a fraternity/sorority or alumni association may come with lower auto insurance rates.

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The Risk Factor

Besides other factors put into considerations by auto insurance companies in the calculation of premiums, education, careers, and other related factors play a role too.

Car insurers use available statistics in their prediction models, and if your profession falls on the high risks end of the spectrum, expect higher rates.

Discounts will be offered based on the risk factor. Typically, people in careers such as nursing, teaching, doctors, as well as first responders like the police and firefighters are eligible for such.

Degree and Career


In some instances, auto insurers offer discounts to people who have graduated with degrees in particular fields regardless whether they work in the fields or not. Ask your agent for any such discounts that may apply to your career or education background before you purchase a policy.

Remember that not all auto insurers will offer the same occupational discounts. Shop around and compare quotes and discounts available before settling; it’s worth the time.

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Why do certain professions attract lower rates?

Some of these occupational discounts may seem random to many people. However, these professions are actually selected by the insurers because they are associated with low risk.

The risk factor is based on the relationship between the occupation and the number of claims filed by people in that particular field.

The number of claims in a particular career is therefore inversely proportional the possibility of getting occupational discounts.

You will find established companies with online comparison tools. Take advantage of this platform and comparison-shop in many auto insurance providers as you can to get the best possible rates.

Look for companies that specifically offer discounts to policemen and women; they do exist, whether you are retired or in active duty.

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Auto Insurance Discounts Available For Police Officers


Companies offering specialized policies for law enforcement officers are few and far between. However, besides special law enforcement discounts, police officers attract many of the discounts available to other customers.

Being a police officer means that you are a highly trained defensive driver, know and understand all traffic laws, and that you have a pretty clear image of the aftermath of neglecting traffic laws in terms of accidents because of being a first responder.

As a result, you get lower quotes because you fall in the category of safe drivers.

Like the rest of us, law enforcement officers get the married couple discount if they are married and have a family. Married couples with families are deemed to be safer drivers as opposed to single people, and as a result, married couples make fewer claims.

Auto insurers will then pass on the savings they make from clients in this category in the form of car insurance discounts.

Your place of residence will also affect your auto insurance rates. Police officers posted in smaller, low population towns with low levels of insecurity also get lower quotes than their big city counterparts.

Who Is Eligible For Special Law Enforcement Discount?


Most of the insurance companies offering specialized law enforcement discounts have specific requirements.

But before that, your profession must fall in the law enforcement category which includes:

  • Sheriffs and police officers.
  • Pre-trial services or probation officers and prison guards.
  • Border Patrol Enforcement personnel, Department of Homeland Security officers, Secret Service, as well as FBI agents.
  • Similar professions whose primary duty is the investigation of transgressions against the law as well as their prevention.
  • Any individual previously involved in any of the occupations mentioned above but has since been reassigned to an administrative or supervisory position.

A career in law enforcement is tough, and the extremely high auto insurance cost in the United States doesn’t help. It is up to you to ensure that you don’t get to pay more than you need in car insurance premiums.

All car insurance companies use different models to predict risk and calculate premiums.

Do your research and find out which companies offer the best policies to members of the law enforcement after which you are going to compare their quotes side by side until you find one that meets your specific needs and is reasonably priced.

Start comparison shopping today for better auto insurance rates by using our FREE online quote tool! Enter your ZIP code below!