Jessica Sautter is a Content Writer for CarInsuranceCompanies.com with a Bachelor’s Degree from Eastern Michigan University in Elementary Education with a Major in Reading and a Minor in Mathematics.

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager

UPDATED: Sep 22, 2020

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Key takeaways...

  • Police officers qualify for some special rates due to their status
  • Many insurance companies do not advertise discounts for officers on their site
  • Shop, compare, and ask the right questions to get these discounts

If you are a police officer looking for a great auto insurance plan, there are many options to consider.

For one thing, as a policeman, you’re considered a civil servant or public service worker. Also, you may be considered a state or federal employee.

Any official on the local, state, or federal level will likely qualify for some discount on car insurance.

If you are a police officer and are searching for the best auto insurance rates, start comparison shopping by entering your ZIP code above!

Discounts for Police Officers

There are some ways that police officers may qualify for discounts. One is if you are a federal or state employee. If you are, you may qualify for federal or state discounts because of your position.

You may also qualify for a military discount if you are a police officer who served on active duty in the military at any time.

Getting such a discount, of course, would be determined by the particular policies of that insurance company. Check with the insurance companies that you are considering before purchasing to see if you qualify.

Other types of discounts police officers may be eligible for some civil service discounts.

A police officer is considered a public servant and may be eligible for certain discounts because of this position even if they were only on the local level.

Discounts are available with some companies. But again, the specific policies of a particular insurance company determine how much they honor this sort of discount for police officers.

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The Same Rules Apply

Police officers know that when it comes to traffic violations and traffic laws, they are responsible for following the same laws as the ordinary citizen.

In fact, they should set an example to others since they are sworn to uphold the law in the way that they are pledged to do.

There are times, however, when police officers are in an emergency situation and are forced to break the speed rules or ignore other traffic rules to get to the scene of an accident or to help those in need.

These emergency situations are considered exceptions to the ordinary traffic laws and should not be seen that they are breaking the law when doing so.

The International Risk Management Institute

The International Risk Management Institute is an organization that is dedicated to helping police officers and police institutions deal with risk management.

They provide a way for police officers to get “errors and omissions” insurance, which is an additional type of insurance that covers things they may forget in the line of duty that could result in liability.

With a job as risky as that of police officers, it is important to make sure you are covered not only for accidents you may encounter on the road but for the way that you handle things in general.

Being a police officer is a stressful job, and it helps to have extra assurance that you will have protection.

The Move Over Law

When civilian drivers see a police car, it is important for them to stay out of the way so that the police officer can do their job without interference.

The law states in most states that you should always pull over to the right as soon as possible and get out of the way of a police officer who is in pursuit.

The move over law is there to protect both police officers and EMTs on an emergency call in addition to the other drivers on the road.

Failure to move over when a police vehicle is in pursuit can result in large fines and increased the danger to those that the policemen are trying to get to.

Check your state laws for this regulation to make sure that you are in compliance when you see a police officer in an emergency call.

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Other Police Discount Options

Police officers may qualify for discounts involving their good driving record or for other discounts for being a model citizen.

Remember that their driving record does not take into account any times they are on call when they performed their job in the best way possible.

Police officers or EMTs must break the speed limit and fail to observe some traffic laws when they are in an emergency call to save lives or to be at the scene where they are most needed.

The criminals fleeing a scene are breaking the speed limit so police officers must do the same to get to them, to save other lives they are endangering.

Additionally, police officers may be trying to quickly get to the scene of an accident that has already occurred in order to possibly save lives.

Other drivers are responsible for following the law in these cases. You must pull over and allow police officers and other emergency drivers to pass in such circumstances to avoid further calamity.

This same rule also applies to any other EMTs including ambulances, fire trucks, and many others.

Drivers who encounter police officers, fire trucks, or other emergency vehicles as they drive should always observe and keep the volume of the radio down enough to be able to hear a siren if it approaches.

Group Insurance Opportunities

Some police stations, just like the other places of employment, offer special group discounts for police officers. If you qualify for this within your place of employment, a discount would be automatically deducted from your paycheck each month.

You just have to decide if you want to go in on this group insurance or if you would rather carry your individual insurance.

Inquire within your department to see what types of insurance discounts and insurance plans are offered within your police station before deciding which is best for you.

Remember that when you choose group insurance plans, sometimes this product is not portable or transportable to another position if you were to leave the police force.

It is important to ask the right questions and to compare and shop around before signing for a particular kind of insurance.

Group Insurance: A Cheaper Option

Remember that group insurance is typically much cheaper than individual insurance. Group insurance is cheaper because more people are on the policy and it works as a group premium at the time of renewal each month.

Insurance companies can, therefore, offer you a much cheaper option through a group insurance plan that goes through your payroll deduction.

Keep in mind, though, that a group discount is not something that you can usually take with you when you leave your place of work.

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Before You Leave Your Job

If you are a police officer in transition or retirement, you will want to shop around and compare other insurance companies within our website to see what fits your need.

Also, you will want to consider the fact that you will be more of a private citizen and not a police officer once you leave the force and you will be driving your car again on a more regular basis.

Driving your personal car more frequently can influence the type of discounts that you qualify for work as well as the cost if you’re in retirement.

However, there may be some other benefits that you did not know about that you should ask your insurance company about as well as your police station before you leave.

Tips for Finding the Best Rates

Some tips for finding the best rates as a police officer are:

  • Consider the amount of time on the road
  • Find out what discounts you qualify for
  • See if the product is transportable
  • See if the policy covers your personal vehicle or just the police car

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Ask the Right Questions

One important tip for police officers to keep in mind is that it is a fact that most insurance companies do not advertise special discounts for law enforcement on their website.

Insurance companies not advertising discounts may be for legal reasons or other reasons, but you should keep this in mind when shopping for insurance.

You must ask the right questions to see if you may qualify. If you are getting your insurance on the phone or a website, people may not know that you are a police officer unless you tell them through the online form or on the phone.

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Reporting Claims

At times, it is necessary to report a claim as a police officer that might have involved one of the police cars you were driving. When you file a claim for an accident that involves a police car, you may need first to go through your department to file a police report for the record.

You should always check with your Chief of Police to see what policies your police station have regarding these matters.

Sometimes they are even investigated by Internal Affairs in cases when they felt you might have been careless or reckless.

The courts are slow to blame police officers for accidents when they swear to uphold the law as a model to others on the road as well as in other situations.

The inherent risk and level of danger and interaction with criminals on the roadways increases the chances of having an accident due to no fault of their own.

Use Caution When on the Road

Despite the fact that police officers are not usually held liable for accidents that occur in their line of duty, they should use caution to make sure that they are not using their office as a way to break the laws.

Police officers are only allowed to use their high-speed option and break traffic laws if they are on an emergency call. A police officer in a nonemergency situation is responsible for following the same rules as everyone else.

If they break this responsibility, they can be cited for this violation and their rank could even be dropped or they could be terminated. Dropping rank or termination doesn’t usually happen, but there are cases when the knowledge of that is abused.

As a police officer, you should always think about your behavior on the road and remember that others see you as a model for them.

Professional Drivers Status

One thing to keep in mind is that police officers are technically considered professional drivers. They are on the road so much and have to go through specialized training to reach the rank of officer.

The fact that they are considered “professional drivers” may offer unique insurance options.

However, in normal circumstances, police officers will have a much higher rate than average drivers. Police having a higher auto insurance rate is because the risk is so much greater than other drivers.

If you are a police officer or if you serve as any other type of emergency response workers such as firefighters or ambulance drivers, be sure to look into those details as you compare and shop for insurance.

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Rewards for Good Service

Good police officers should be rewarded for their excellent service to public, and other drivers should always yield to police when they are on the road.

Police officers likewise have a responsibility to observe all laws unless they are in an emergency situation where they are allowed to break the rules for the greater good.

When police officers are working to help others and observing the traffic laws, they help all of us. Show respect while driving when you see police officers on the road and don’t forget to pull over to the right if they are on a call.

Police officers who are looking for good auto insurance rates should try our FREE online quote tool! Enter your ZIP code below to start comparison shopping today!