At the station, Ms Kerr, her partner and Pc Lovell got into an exchange, described in court as a "heated argument", and Ms Kerr told police "this is a racial f****** thing".
During the trial, the court heard how Ms Kerr had accepted later calling Pc Lovell "stupid and white" during a heated exchange but denied that it amounted to the charge.
Ms Kerr and her partner Ms Mewis told the court how they felt "dismissed" by Pc Lovell after explaining how they had been "trapped" in the back of a taxi and "held against our will".
Ms Kerr, 31, and her partner, West Ham midfielder Kristie Mewis, had been out out drinking before a taxi driver drove them to Twickenham Police Station after complaining that the couple refused to cover costs to clean up the vehicle after one of them was sick and the vehicle's rear window had been smashed by one of them.
At the police station, Ms Kerr became "abusive and insulting" towards Pc Lovell, calling him "f****** stupid and white".