How Much is Auto Insurance for Police Officers in Tennessee?

This article would sure be shorter if we could just give you the name of the company that has the cheapest rates in Tennessee. It’s just not that easy, however, as there are many unknown elements like the number of miles you drive each year, what deductibles to use for physical damage coverage, and what coverage limits you want, that all go into determining the rate you pay. In this article, we will cover the best ways to avoid paying too much and hopefully give you enough understanding to have a good beginning to your quest for cheaper car insurance.

Finding dependable, reasonably-priced auto insurance is confusing at best, and determining which insurers offer the lowest-priced insurance rates for police officers will take even more diligence. Coverage rates will probably be somewhat lower-priced than the state average, with the decrease attributed to the potential for fewer claims that comes with offering insurance for law enforcement personnel. Reasonable insurance should be easily found from many providers.
Each auto insurance company uses their own formula to set their prices, so first we will examine the lowest cost insurance companies in Tennessee.

Best Cheap Insurance Rates for Law Enforcement

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Utica National may have some of the lowest car insurance rates in Tennessee at around $744 annually. Cincinnati Insurance, Auto-Owners, Penn National, and Tennessee Farmers are also some of the cheaper Tennessee auto insurance companies.

As the example above demonstrates, if you currently buy coverage from Tennessee Farmers and switched to Cincinnati Insurance, you could realize a yearly savings of upwards of $73. Tennessee drivers with USAA might save as much as $107 a year, and Erie customers might lower prices by $147 a year.

Understand that those rates are averaged across all insureds and vehicles and do not factor in a rate discount for police officers. So the insurer that has the cheapest price for you may not even be shown in the company chart above. That is why you need to quote rates from many companies using your own personalized driver profile and vehicle information.

When buying car insurance for law enforcement personnel, one of the key things used to establish the amount you pay each year for auto insurance is your address. Areas with increased crime or more people like Memphis, Germantown, and Jackson are more likely to pay higher prices, whereas areas with lower vehicle theft rates and fewer weather claims enjoy lower car insurance rates.

The table below sorts the higher priced cities in Tennessee for police officers in which to buy car insurance.

Premium costs are approximated as specific Tennessee garaging address can affect prices substantially.

The diagram below shows how different deductible levels can impact annual premium costs when researching cheap insurance for police officers. The costs are based on a single male driver, full physical damage coverage, and no discounts are applied to the premium.

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The data above shows that a 50-year-old driver could lower rates by $238 a year by changing from a $100 deductible to a $500 deductible, or save $360 by choosing a $1,000 deductible. Even younger drivers, like the age 20 example, could shave up to $778 every year by choosing a larger deductible amount. When choosing a higher deductible, it will be important to have enough savings set aside to cover the extra out-of-pocket expense. This is the primary disadvantage of choosing high deductibles.

Insuring your vehicle with a high-quality insurer is difficult considering how many companies are available to choose from in Tennessee. The ranking data in the next section may help you select which companies you want to consider when shopping around. The ratings below only include major nationwide insurance companies, so smaller companies that only insure vehicles in Tennessee are not included in these rankings.

Top 10 Major Car Insurance Companies in Tennessee Ranked by Customer Satisfaction

1. USAA – 91%
2. Esurance – 90%
3. AAA Insurance – 90%
4. Nationwide – 89%
5. Progressive – 88%
6. Safeco Insurance – 88%
7. State Farm – 88%
8. Allstate – 88%
9. Travelers – 88%
10. The Hartford – 87%

Top 10 Major Car Insurance Companies in Tennessee Ranked by Claims Service

1. Travelers
2. Allstate
3. Nationwide
4. State Farm
5. Liberty Mutual
6. GEICO
7. American Family
8. Esurance
9. AAA Insurance
10. Titan Insurance

Company comparison: Allstate vs Geico vs State Farm vs Progressive

When researching auto insurance for law enforcement personnel, four companies you’ll want quotes from are Allstate, Geico, State Farm, and Progressive. Combined they insure almost half of the entire U.S. car insurance market. The following table shows some of the different features that are available for customers.