The vehicle you are trying to insure is probably the biggest factor that determines whether or not you find cheaper insurance for police officers. Vehicles with higher performance characteristics, poor safety features, or high incidents of liability claims will cost more to insure than safer, lower-performance models. The information below illustrates insurance costs for a selection of the most budget-friendly vehicles to insure in Iowa.
Make, Model, and Trim Level | Annual Cost | Semi-Annual Cost | Monthly Cost |
---|---|---|---|
Ford Focus S 4-Dr Sedan | $682 | $341 | $57 |
Ford Fusion SEL AWD 4-Dr Sedan | $796 | $398 | $66 |
Hyundai Elantra SE 4-Dr Sedan | $732 | $366 | $61 |
Kia Optima EX | $796 | $398 | $66 |
Nissan Altima 2.5 S 4-Dr Sedan | $732 | $366 | $61 |
Toyota Camry XLE | $732 | $366 | $61 |
Toyota Corolla XRS | $746 | $373 | $62 |
Volkswagen Jetta 2.0T Station Wagon | $690 | $345 | $58 |
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Prices above based on single male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Iowa minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, safe-driver, and claim-free. Rates do not factor in specific garaging location which can increase or decrease insurance rates substantially.
Make, Model, and Trim Level | Annual Cost | Semi-Annual Cost | Monthly Cost |
---|---|---|---|
Acura RDX 2WD | $638 | $319 | $53 |
Cadillac Escalade Hybrid 2WD | $948 | $474 | $79 |
Chevrolet Traverse LT AWD | $652 | $326 | $54 |
Ford Escape XLT 2WD | $588 | $294 | $49 |
Ford Explorer Limited 2WD | $708 | $354 | $59 |
GMC Acadia SLE 2WD | $656 | $328 | $55 |
Honda CR-V LX 4WD | $588 | $294 | $49 |
Honda Pilot EX 2WD | $670 | $335 | $56 |
Hyundai Tucson Limited 2WD | $694 | $347 | $58 |
Jeep Grand Cherokee Laredo 2WD | $694 | $347 | $58 |
Kia Sportage LX | $694 | $347 | $58 |
Lexus RX 350 2WD | $846 | $423 | $71 |
Toyota 4Runner SR/5 2WD | $652 | $326 | $54 |
Toyota Highlander 4WD | $708 | $354 | $59 |
Toyota RAV4 Limited 4WD | $694 | $347 | $58 |
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Data variables include single male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Iowa minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-vehicle, and multi-policy. Estimates do not factor in your specific Iowa location which can raise or lower rates greatly.
Make, Model, and Trim Level | Annual Cost | Semi-Annual Cost | Monthly Cost |
---|---|---|---|
Chevrolet Colorado LT Extended Cab 2WD | $682 | $341 | $57 |
Chevrolet Silverado 3500HD LTZ Crew Cab Diesel 2WD | $810 | $405 | $68 |
Chevrolet Silverado LS Extended Cab 4WD | $694 | $347 | $58 |
Dodge Ram 2500 Crew Cab ST 4WD | $808 | $404 | $67 |
Dodge Ram Crew Cab Laramie 4WD | $846 | $423 | $71 |
Ford F-150 XLT Regular Cab 4WD | $656 | $328 | $55 |
GMC Canyon SLT Ext Cab 2WD | $694 | $347 | $58 |
GMC Sierra SLE Crew Cab 4WD | $746 | $373 | $62 |
Toyota Tacoma Double Cab 4WD | $694 | $347 | $58 |
Toyota Tundra SR/5 Crew Max 4WD | $808 | $404 | $67 |
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Data variables include single male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Iowa minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, homeowner, and safe-driver. Prices do not factor in specific Iowa garaging location which can increase or decrease prices significantly.
When buying insurance for law enforcement personnel, one of the key factors that help determine rate quotes is where you keep your vehicle in Iowa. Urban areas that are densely populated like Council Bluffs, Des Moines, and Dubuque tend to have higher rates, whereas areas with lower vehicle theft rates and fewer weather claims have the gratification of the cheapest auto insurance for police officers in Iowa.
The table below sorts the higher priced cities in Iowa for police officers to buy an auto insurance policy in.
Rank | City | Annual Rate |
---|---|---|
1 | Council Bluffs | $1,264 |
2 | Sioux City | $1,146 |
3 | Des Moines | $1,140 |
4 | Davenport | $1,134 |
5 | Dubuque | $1,087 |
6 | Bettendorf | $1,084 |
7 | Fort Dodge | $1,060 |
8 | Waterloo | $1,050 |
9 | Cedar Falls | $1,048 |
10 | Burlington | $1,039 |
11 | Clinton | $1,034 |
12 | Clive | $1,030 |
13 | West Des Moines | $1,026 |
14 | Urbandale | $1,025 |
15 | Ottumwa | $1,023 |
16 | Mason City | $1,020 |
17 | Cedar Rapids | $1,017 |
18 | Ankeny | $1,013 |
19 | Johnston | $1,012 |
20 | Marshalltown | $1,008 |
21 | Muscatine | $1,000 |
22 | Marion | $994 |
23 | Coralville | $976 |
24 | Ames | $974 |
25 | Iowa City | $947 |
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Premium amounts are comparative as the specific Iowa residence address can change price quotes significantly.
If you’re looking for the best auto insurance for law enforcement personnel in Iowa, four of the larger companies to compare rates for are Progressive, State Farm, Geico, and Allstate. They all have a distinct set of features and optional coverages that may influence which company you choose. The next table compares ratings for price and service, as well as some optional coverages that are available for policyholders.
Progressive | State Farm | Geico | Allstate | |
---|---|---|---|---|
Policy Cost | 3rd | 2nd | 1st | 4th |
Client Satisfaction | 3rd | 4th | 1st | 2nd |
Discounts Available | 4th | 3rd | 2nd | 1st |
Claims Rank | 4th | 2nd | 3rd | 1st |
Recommend by customers | 88% | 88% | 87% | 86% |
Rating from A.M. Best | A+ | A++ | A++ | A+ |
Standard & Poor’s financial rating | AA | AA | AA+ | AA- |
Usage-based rating | Yes | Yes | No | Yes |
Roadside assistance | Yes | Yes | Yes | Yes |
New car replacement | No | No | No | Yes |
Accident forgiveness coverage | Yes | No | Yes | Yes |
Rideshare coverage | Yes | Yes | Yes | Yes |
Breakdown insurance | Yes | No | Yes | No |
Where you can buy | Indpendent agents or online | Only from State Farm agents | Both online and from Geico agents | Can only buy from Allstate agents |
Number of agents | 30,000+ | 18,000+ | 150+ | 11,000+ |
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