The vehicle model you are seeking coverage for is one of the biggest factors when comparing low-cost insurance for police officers. Vehicles with limited top-end speed, advanced safety features, or a positive history of liability claims will cost significantly less to insure than fast, unsafe models. The next table features insurance prices for a selection of the more affordable vehicles to buy insurance for.
| Vehicle | Estimated Cost for Full Coverage |
|---|---|
| Ford Escape XLT 4WD | $1,242 |
| Honda CR-V EX 2WD | $1,331 |
| Toyota RAV4 Sport 2WD | $1,438 |
| Honda Odyssey LX | $1,458 |
| Jeep Wrangler Sport Islander Package 4WD 2-Dr | $1,508 |
| Hyundai Elantra GLS 4-Dr Sedan | $1,515 |
| Toyota Prius | $1,518 |
| GMC Sierra 2500HD SLE Regular Cab 4WD | $1,543 |
| Chevrolet Equinox LTZ 2WD | $1,553 |
| Jeep Grand Cherokee SRT-8 4WD | $1,543 |
| GMC Sierra SLT Extended Cab 2WD | $1,553 |
| Chevrolet Impala LS | $1,545 |
| Volkswagen Jetta S 4-Dr Sedan | $1,575 |
| Ford Fusion S 4-Dr Sedan | $1,581 |
| Ford F-150 XL Crew Cab 4WD | $1,580 |
| Ford Focus S 4-Dr Sedan | $1,582 |
| Dodge Grand Caravan SXT | $1,607 |
| Ford Explorer Eddie Bauer AWD | $1,612 |
| Chevrolet Malibu LS | $1,620 |
| Toyota Tacoma Double Cab 4WD | $1,625 |
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Price data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Ohio minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, claim-free, and multi-vehicle. Rates do not factor in specific location which can modify coverage prices significantly.
Looking at the data, we can presume that cars like the Ford Escape, Honda CR-V, Toyota RAV4, Honda Odyssey, and Jeep Wrangler are going to be a few of the less-costly vehicles to insure for law enforcement personnel.
For law enforcement personnel, one of the largest considerations that are looked at to help calculate the annual cost of car insurance is where your car is garaged. Areas with increased crime or more people tend to pay slightly more, whereas areas that tend to be more rural have the benefit of cheaper car insurance.
The following table ranks the most expensive places in Ohio for police officers to buy auto insurance in. Columbus is ranked at #5 with an annual premium of $1,211 for the average insurance policy, which is approximately $101 each month.
| Rank | City | Average Per Year |
|---|---|---|
| 1 | Toledo | $1,279 |
| 2 | Youngstown | $1,247 |
| 3 | Cleveland | $1,235 |
| 4 | Cincinnati | $1,222 |
| 5 | Columbus | $1,211 |
| 6 | Cleveland Heights | $1,178 |
| 7 | Akron | $1,157 |
| 8 | Dayton | $1,142 |
| 9 | Euclid | $1,140 |
| 10 | Springfield | $1,105 |
| 11 | Hamilton | $1,102 |
| 12 | Fairfield | $1,085 |
| 13 | Newark | $1,085 |
| 14 | Canton | $1,069 |
| 15 | Lakewood | $1,063 |
| 16 | Beavercreek | $1,058 |
| 17 | Kettering | $1,051 |
| 18 | Strongsville | $1,041 |
| 19 | Cuyahoga Falls | $1,037 |
| 20 | Middletown | $1,035 |
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Rate information is approximated as the specific area where the vehicle is garaged can raise or lower price quotes noticeably.
Finding out which company quotes the best car insurance rates for police officers will take a little more effort in order to find the lowest price.
Each insurer uses their own formula for setting prices, so to begin we’ll rank the car insurance companies that tend to have lower prices in Ohio. It’s important to understand that Ohio car insurance rates are impacted by many things that may substantially change the cost of your policy. Getting older, buying a different home, or having an accident may prompt premium changes that can make some companies cheaper than competitors.
Lowest Insurance Price Quotes for Law Enforcement
Utica National generally has some of the best car insurance rates in Columbus at around $647 a year. This is $393 less than the average policy premium paid by Ohio drivers of $1,040. Erie, Frankenmuth, Allied, and Travelers are also some of the best Columbus, OH insurance companies.
As shown above, if you buy coverage from Allied and switched to Erie, you could realize annual savings of in the neighborhood of $29. Insureds with Travelers may save as much as $44 a year, and USAA policyholders might lower prices by up to $50 a year.
To get a fast rate comparison, click here to start a quote or visit several of the following companies.
Bear in mind that those premiums are averaged for all insureds and vehicles and do not factor in a specific zip code for police officers. So the insurer that has the cheapest price for you may not even be in the top 33 companies in the list above. That affirms the importance of why you need to get car insurance quotes using your own driver and vehicle profiles.
The chart below demonstrates how deductibles can impact insurance premiums when quoting cheap insurance for police officers. The data assumes a single female driver, full physical damage coverage, and no other discounts are factored in.
In the chart above, a 50-year-old driver could lower rates by $214 a year by changing from a $100 deductible to a $500 deductible, or save $324 by using a $1,000 deductible. Even younger insureds, like the 20-year-old category, can save up to $548 annually by choosing larger deductibles on their policy.
If you make the decision to raise deductibles, it’s a good idea to have enough funds in savings to enable you to pay the extra out-of-pocket expense, which is the one inconvenience of using high deductibles.
Cost of full coverage
Saving on car insurance is the goal of most vehicle owners, and one good way to find cheap insurance for police officers is to buy only liability coverage. The illustration below illustrates the difference between premium costs with full physical damage coverage and with liability coverage only. The data is based on no violations or claims, $100 deductibles, single marital status, and no discounts are taken into consideration.
On average, physical damage coverage costs an additional $1,308 per year more than just buying liability insurance. Many people question when is it safe to stop buying full coverage. There is no specific rule of when to stop paying for physical damage coverage, but there is a guideline you can use. If the yearly cost of comp and collision coverage is 10% or more of replacement cost minus your deductible, then it could be time to drop full coverage.
There are some conditions where dropping physical damage coverage is not in your best interest. If you still owe money on your vehicle, you have to maintain full coverage in order to keep the loan. Also, if you cannot afford to purchase a different vehicle in the even your car is totaled, you should keep full coverage on your policy.
Impact of speeding/accidents on car insurance rates
The easiest method to score low car insurance prices in Ohio for law enforcement personnel is to be a good driver and avoid accidents and traffic violations. The example below shows how speeding tickets and at-fault fender-benders raise insurance rates for different age groups. The rate quotes are based on a single female driver, full coverage, $1,000 deductibles, and no discounts are applied.
The data in the chart shows the average cost of car insurance in Columbus per year with no accidents and a clean driving record is $919. Get written up for two speeding tickets and the average cost hikes up to $1,222, an increase of $303 each year. Now add one accident along with the two speeding tickets and the yearly cost of car insurance for police officers increases to an average of $1,526. That’s an increase of $607, or $51 per month, just for being a careless driver!