Hero Auto Insurance Discounts by State (2026): Savings for Teachers, Nurses, Firefighters, and Police
Liberty Mutual offers up to 12% off for police and firefighters in most states but excludes nine, including California and New York, while COUNTRY Financial only writes policies in nineteen states total, so the same discount ad can mean something completely different depending on where you live.
Hero auto insurance discounts by state
Auto insurance savings for teachers, nurses, firefighters, and police, insurer by insurer
If you or a family member served in the military
USAA is available nationwide in all 50 states and Washington, D.C., but it works differently from the discounts below. It is not a profession-based discount added to a regular policy, it is a membership restricted to military members, veterans, and their eligible family members. If you qualify, USAA is consistently ranked among the strongest options for both auto insurance and home and auto bundling, so it is worth checking before comparing the state-specific insurers listed further down.
Insurers that need a direct check first
Before using the state table below, know that these insurers also offer hero discounts in most states, but their programs are fragmented by state, by district, or not publicly broken out, so they are not listed by name in each state row. Call an agent directly to ask.
State Farm (public safety discount program is fragmented by state), California Casualty (strongest presence in California, confirm availability elsewhere), American Family and Auto-Owners (well-reviewed overall, but no hero-specific program confirmed at the time of writing), and Allstate (teacher discount advertised, state-by-state amount not published).
Hero discount insurers by state
Jump to your state below. Each row names the insurers confirmed available there, and separately the ones confirmed not available.
| State | Confirmed available | Confirmed not available |
| Alabama AL |
Farmers, GEICO, Progressive, Travelers, Nationwide, Chubb, Amica, Liberty Mutual, COUNTRY Financial | None documented |
| Alaska AK |
Farmers, GEICO, Progressive, Travelers, Nationwide, Chubb, Amica, COUNTRY Financial | Liberty Mutual |
| Arizona AZ |
Farmers, GEICO, Progressive, Travelers, Nationwide, Chubb, Amica, Liberty Mutual, COUNTRY Financial | None documented |
| Arkansas AR |
Farmers, GEICO, Progressive, Travelers, Nationwide, Chubb, Amica, Liberty Mutual | COUNTRY Financial |
| California CA |
Farmers, GEICO, Progressive, Travelers, Nationwide, Chubb, Amica | Liberty Mutual, COUNTRY Financial |
| Colorado CO |
Farmers, GEICO, Progressive, Travelers, Nationwide, Chubb, Amica, Liberty Mutual, COUNTRY Financial | None documented |
| Connecticut CT |
Farmers, GEICO, Progressive, Travelers, Nationwide, Chubb, Amica, Liberty Mutual | COUNTRY Financial |
| Delaware DE |
Farmers, GEICO, Progressive, Travelers, Nationwide, Chubb, Amica, Liberty Mutual | COUNTRY Financial |
| Florida FL |
Farmers, GEICO, Progressive, Travelers, Nationwide, Chubb, Amica, Liberty Mutual | COUNTRY Financial |
| Georgia GA |
Farmers, GEICO, Progressive, Travelers, Nationwide, Chubb, Amica, Liberty Mutual, COUNTRY Financial | None documented |
| Hawaii HI |
Farmers, GEICO, Progressive, Travelers, Nationwide, Chubb | Liberty Mutual, COUNTRY Financial, Amica |
| Idaho ID |
Farmers, GEICO, Progressive, Travelers, Nationwide, Chubb, Amica, Liberty Mutual, COUNTRY Financial | None documented |
| Illinois IL |
Farmers, GEICO, Progressive, Travelers, Nationwide, Chubb, Amica, Liberty Mutual, COUNTRY Financial | None documented |
| Indiana IN |
Farmers, GEICO, Progressive, Travelers, Nationwide, Chubb, Amica, Liberty Mutual, COUNTRY Financial | None documented |
| Iowa IA |
Farmers, GEICO, Progressive, Travelers, Nationwide, Chubb, Amica, Liberty Mutual, COUNTRY Financial | None documented |
| Kansas KS |
Farmers, GEICO, Progressive, Travelers, Nationwide, Chubb, Amica, Liberty Mutual, COUNTRY Financial | None documented |
| Kentucky KY |
Farmers, GEICO, Progressive, Travelers, Nationwide, Chubb, Amica, Liberty Mutual | COUNTRY Financial |
| Louisiana LA |
Farmers, GEICO, Progressive, Travelers, Nationwide, Chubb, Amica, Liberty Mutual | COUNTRY Financial |
| Maine ME |
Farmers, GEICO, Progressive, Travelers, Nationwide, Chubb, Amica, Liberty Mutual | COUNTRY Financial |
| Maryland MD |
Farmers, GEICO, Progressive, Travelers, Nationwide, Chubb, Amica, Liberty Mutual | COUNTRY Financial |
| Massachusetts MA |
Farmers, GEICO, Progressive, Travelers, Nationwide, Chubb, Amica, Liberty Mutual | COUNTRY Financial |
| Michigan MI |
Farmers, GEICO, Progressive, Travelers, Nationwide, Chubb, Amica, Liberty Mutual | COUNTRY Financial |
| Minnesota MN |
Farmers, GEICO, Progressive, Travelers, Nationwide, Chubb, Amica, Liberty Mutual, COUNTRY Financial | None documented |
| Mississippi MS |
Farmers, GEICO, Progressive, Travelers, Nationwide, Chubb, Amica, Liberty Mutual | COUNTRY Financial |
| Missouri MO |
Farmers, GEICO, Progressive, Travelers, Nationwide, Chubb, Amica, Liberty Mutual, COUNTRY Financial | None documented |
| Montana MT |
Farmers, GEICO, Progressive, Travelers, Nationwide, Chubb, Amica | Liberty Mutual, COUNTRY Financial |
| Nebraska NE |
Farmers, GEICO, Progressive, Travelers, Nationwide, Chubb, Amica, Liberty Mutual | COUNTRY Financial |
| Nevada NV |
Farmers, GEICO, Progressive, Travelers, Nationwide, Chubb, Amica, Liberty Mutual, COUNTRY Financial | None documented |
| New Hampshire NH |
Farmers, GEICO, Progressive, Travelers, Nationwide, Chubb, Amica, Liberty Mutual | COUNTRY Financial |
| New Jersey NJ |
Farmers, GEICO, Progressive, Travelers, Nationwide, Chubb, Amica, Liberty Mutual | COUNTRY Financial |
| New Mexico NM |
Farmers, GEICO, Progressive, Travelers, Nationwide, Chubb, Amica, Liberty Mutual | COUNTRY Financial |
| New York NY |
Farmers, GEICO, Progressive, Travelers, Nationwide, Chubb, Amica | Liberty Mutual, COUNTRY Financial |
| North Carolina NC |
Farmers, GEICO, Progressive, Travelers, Nationwide, Chubb, Amica | Liberty Mutual, COUNTRY Financial |
| North Dakota ND |
Farmers, GEICO, Progressive, Travelers, Nationwide, Chubb, Amica, COUNTRY Financial | Liberty Mutual |
| Ohio OH |
Farmers, GEICO, Progressive, Travelers, Nationwide, Chubb, Amica, Liberty Mutual | COUNTRY Financial |
| Oklahoma OK |
Farmers, GEICO, Progressive, Travelers, Nationwide, Chubb, Amica, Liberty Mutual, COUNTRY Financial | None documented |
| Oregon OR |
Farmers, GEICO, Progressive, Travelers, Nationwide, Chubb, Amica, Liberty Mutual, COUNTRY Financial | None documented |
| Pennsylvania PA |
Farmers, GEICO, Progressive, Travelers, Nationwide, Chubb, Amica, Liberty Mutual | COUNTRY Financial |
| Rhode Island RI |
Farmers, GEICO, Progressive, Travelers, Nationwide, Chubb, Amica, Liberty Mutual | COUNTRY Financial |
| South Carolina SC |
Farmers, GEICO, Progressive, Travelers, Nationwide, Chubb, Amica, Liberty Mutual | COUNTRY Financial |
| South Dakota SD |
Farmers, GEICO, Progressive, Travelers, Nationwide, Chubb, Amica | Liberty Mutual, COUNTRY Financial |
| Tennessee TN |
Farmers, GEICO, Progressive, Travelers, Nationwide, Chubb, Amica, Liberty Mutual, COUNTRY Financial | None documented |
| Texas TX |
Farmers, GEICO, Progressive, Travelers, Nationwide, Chubb, Amica, Liberty Mutual | COUNTRY Financial |
| Utah UT |
Farmers, GEICO, Progressive, Travelers, Nationwide, Chubb, Amica, Liberty Mutual | COUNTRY Financial |
| Vermont VT |
Farmers, GEICO, Progressive, Travelers, Nationwide, Chubb, Amica, Liberty Mutual | COUNTRY Financial |
| Virginia VA |
Farmers, GEICO, Progressive, Travelers, Nationwide, Chubb, Amica, Liberty Mutual | COUNTRY Financial |
| Washington WA |
Farmers, GEICO, Progressive, Travelers, Nationwide, Chubb, Amica, Liberty Mutual, COUNTRY Financial | None documented |
| West Virginia WV |
Farmers, GEICO, Progressive, Travelers, Nationwide, Chubb, Amica, Liberty Mutual | COUNTRY Financial |
| Wisconsin WI |
Farmers, GEICO, Progressive, Travelers, Nationwide, Chubb, Amica, Liberty Mutual, COUNTRY Financial | None documented |
| Wyoming WY |
Farmers, GEICO, Progressive, Travelers, Nationwide, Chubb, Amica | Liberty Mutual, COUNTRY Financial |
COUNTRY Financial sells insurance in only 19 states total, so it shows as not available everywhere else, not as a discount denial. Liberty Mutual excludes 9 states from its FOP/IAFF discount program specifically.
If you run into a claim denial or a rate dispute with any insurer in your state, the discounts above will not help you resolve it, but your State Insurance Department Directory can. Every state has an office that licenses insurers and investigates consumer complaints, and it is free to contact.
This page covers auto insurance only. If you are also shopping for a homeowners policy, see our Hero Home Insurance Discounts by State guide, and check whether your insurer lets the two discounts stack before assuming the savings add up.
Sources and methodology
1. The Zebra, Car Insurance for First Responders, 2026, for Liberty Mutual's state exclusion list and the general first responder discount roundup.
2. U.S. News, Country Financial Car Insurance Review 2026, and Country Financial's own site, for the 19-state availability list.
3. MoneyGeek, California Casualty Car Insurance Review, 2026.
4. NerdWallet, Best Car Insurance Companies of 2026, and Best Home and Auto Insurance Bundles for 2026, for USAA, Amica, American Family, and Auto-Owners standing.
5. WalletHub, 2026 USAA Discount List.
Availability shown here reflects each insurer's published state and eligibility rules as of August 2026. Insurers change state operations and discount programs over time, so confirm current availability directly with the insurer before applying. This is not insurance advice.
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