The car, truck, or SUV you are seeking coverage for is probably the biggest factor that determines whether or not you can buy affordable insurance for police officers. Vehicles with higher performance characteristics, poor safety features, or high incidents of liability claims will cost quite a bit more to insure than more economical and safe models.
The next table outlines insurance costs for a selection of the cheaper vehicles to insure.
| Vehicle Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Honda CR-V EX 4WD | $2,053 |
| Ford Escape XLS 4WD | $2,197 |
| Ford Fusion S 4-Dr Sedan | $2,375 |
| Toyota RAV4 Sport 4WD | $2,385 |
| Hyundai Elantra SE Touring Station Wagon | $2,452 |
| Ford Focus SEL 4-Dr Sedan | $2,455 |
| Ford Edge SE 2WD | $2,494 |
| Chevrolet Impala LTZ | $2,503 |
| Toyota Prius | $2,513 |
| Chevrolet Malibu LTZ | $2,548 |
| Jeep Grand Cherokee Limited 4WD | $2,556 |
| Chevrolet Equinox LTZ AWD | $2,548 |
| Volkswagen Jetta 2.0T Station Wagon | $2,583 |
| Toyota Tacoma Double Cab 4WD | $2,653 |
| Dodge Grand Caravan SXT | $2,663 |
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Prices based on single male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, homeowner, and claim-free. Price estimates do not factor in your specific Los Angeles, CA location which can raise or lower auto insurance rates greatly.
Looking at the numbers, we can conclude that models like the Honda CR-V, Ford Escape, and Ford Fusion are most likely going to be the most affordable vehicles to insure for law enforcement personnel.
Establishing which insurers offer the best car insurance rates for police officers involves a little more effort than just quoting one company’s rates.
Every insurance provider has their own unique process to determine rates, so we’ll go over the car insurance companies that tend to have lower prices in California. We do need to point out that Los Angeles, CA car insurance rates are calculated based on many things which can significantly increase or decrease the cost of coverage. Simply improving your credit, moving to a new city, or getting a ticket for running a stop sign may prompt premium changes resulting in some rates now being more affordable than competitors.
Find Cheaper Car Insurance for Law Enforcement
USAA quotes some of the cheapest car insurance rates in Los Angeles at around $1,143 each year. Wawanesa, Century National, CSAA, and Nationwide also rank well as some of the cheaper Los Angeles, CA car insurance companies.
In this example, if you currently buy coverage from Century National and switched to USAA, you may realize an annual premium reduction of in the vicinity of $71. Drivers with CSAA could save as much as $91 a year, and Nationwide policyholders might realize rate reductions of up to $107 a year.
It’s important to note that these premiums are averages for all ages of drivers and types of vehicles and do not factor in an exact zip code location for police officers. So the company that fits your needs best may not even be in the list above. That emphasizes why you need to compare prices as often as possible using your own specific driver and vehicle information.
Finding a high-quality auto insurance company is hard considering how many companies there are to choose from in Los Angeles. The company ratings displayed below can help you analyze which companies you want to consider when trying to find cheaper insurance for police officers. The ratings below include insurance companies that insure vehicles in the majority of U.S. states, so companies with more of a regional focus will not be included in these rankings.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 98 | 100 | 100 | 94% | A++ | 98.6 |
| American Family | 98 | 89 | 100 | 86% | A | 95.4 |
| AAA of Southern California | 91 | 94 | 97 | 92% | A+ | 94.1 |
| State Farm | 88 | 93 | 96 | 90% | A++ | 92.4 |
| The Hartford | 94 | 92 | 90 | 89% | A+ | 91.7 |
| AAA Insurance | 88 | 89 | 95 | 91% | A | 91.2 |
| GEICO | 84 | 93 | 93 | 89% | A++ | 90.3 |
| The General | 89 | 91 | 89 | 88% | A- | 90 |
| Titan Insurance | 90 | 87 | 91 | 95% | A+ | 89.6 |
| Progressive | 84 | 91 | 93 | 87% | A+ | 89.5 |
| Mercury Insurance | 88 | 91 | 90 | 85% | A+ | 89.4 |
| Allstate | 85 | 90 | 92 | 88% | A+ | 89.3 |
| Nationwide | 87 | 88 | 84 | 90% | A+ | 88.7 |
| Liberty Mutual | 84 | 87 | 93 | 88% | A | 88.5 |
| 21st Century | 85 | 86 | 87 | 88% | A | 86.7 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
Get discount Los Angeles auto insurance rates
Insurers that provide policies for police officers may also give you premium discounts that may potentially lower prices by as much as 35% if you can meet the requirements. A few popular companies and some of the discounts are:
- American Family may include discounts for air bags, early bird, Steer into Savings, defensive driver, and bundled insurance.
- Nationwide has savings for multi-policy, business or organization, family plan, accident-free, and good student.
- MetLife offers premium reductions for accident-free, multi-policy, good student, claim-free, good driver, defensive driver
- 21st Century may have discounts that include 55 and older, good student, homeowners, defensive driver, anti-lock brakes, automatic seat belts, and student driver.
- Farmers Insurance may offer discounts for youthful driver, early shopping, switch companies, pay in full, and business and professional.
- Allstate offers discounts including FullPay discount, utility vehicle, safe driver, early signing, premier discount, farm vehicle, and teenSMART discount.
The chart below visualizes the comparison of car insurance costs with and without discounts being applied to the rates. The prices are based on a male driver, a clean driving record, no claims, California state minimum liability limits, comprehensive and collision coverage, and $100 deductibles.
The first bar for each age group shows insurance cost with no discounts. The second bar shows the rates with anti-theft, claim-free, marriage, safe-driver, multiple vehicle, and vehicle safety discounts applied. When drivers take advantage of discounts, the average amount saved each year on car insurance for police officers is 28% or $698.
Don’t make the mistake of not shopping around
Los Angeles car insurance rates are determined by lots of factors which can significantly increase or decrease the cost of your policy. Improving your credit rating, buying a home instead of renting, or getting a speeding ticket may cause policy rate changes that can now make some companies more affordable than before. In addition, companies change their prices without warning to help ensure profitability. Higher than normal claims can result in higher prices, while lower claim levels may result in more affordable Los Angeles car insurance rates.
The graph below shows rates for the cheapest car insurance in Los Angeles, CA for a 45-year-old male driver with no violations or accidents, and good credit. If we look at prices based on his personal profile, USAA has the best car insurance rates in Los Angeles at $1,789 a year. This is $138 more than the average premium paid by California drivers of $1,651. Wawanesa, Century National, CSAA, and Nationwide are the rest of the cheapest Los Angeles, CA auto insurance companies.
In this next rate comparison, we will give the driver in the first example a claim, a lower credit score, and a few blemishes on his driving record. Since each auto insurance company has a proprietary formula to determining premium rates, comparing quotes most likely will result in a different set of the cheapest Los Angeles car insurance companies as shown below.
Grange now has the cheapest car insurance in Los Angeles with Mercury, GEICO, Allied, and Progressive now being in the top five. This example demonstrates why consumers need to compare many different companies when trying to find cheap insurance quotes for police officers. Rates are determined by many risk factors and can decrease or increase without notice, so the cheapest rate the last time you shopped around may now be one of the higher cost companies.
The agencies below are a good start to answer your questions and help you decide which insurance coverage will be best for you, as some people have coverage questions and would like to get help from a professional when shopping for the best coverage for law enforcement personnel. It can be time-consuming to find the cheapest rates, and a licensed agent can add satisfaction knowing your policy gives you suitable coverage if you have an accident.
To locate a Los Angeles auto insurance agent nearest to you, click the button following the list or click here to compare prices now.
- Mirzakhanyan Insurance Agency Inc. – State Farm
7113 1/2 Sunset Boulevard – Los Angeles, CA 90046 – (323) 303-3728 - Public Insurance Agency
10941 W Pico Blvd – Los Angeles, CA 90064 – (310) 234-8600 - Sean Paul Insurance Agency
3101 Silver Lake Blvd – Los Angeles, CA 90039 – (323) 667-9180 - Patricia Aleman – State Farm Insurance Agent
3222 Glendale Blvd b – Los Angeles, CA 90039 – (323) 644-0900 - Sean Kim – State Farm Insurance Agent
2727 W Olympic Blvd #102 – Los Angeles, CA 90006 – (213) 480-3377