Cheap Car Insurance Quotes for Police Officers in Pennsylvania

Cheap Car Insurance Quotes for Police Officers in Pennsylvania

When shopping for the cheapest car insurance for law enforcement personnel, one of the many components that helps car insurance companies calculate the amount you pay each year for auto insurance is where your home is located. Regions with larger populations or more claims like Philadelphia, Chester, and Norristown tend to have more expensive car insurance rates, whereas areas with less congestion tend to receive slightly lower rates.

The table below ranks the highest-priced places in Pennsylvania for police officers to buy an auto insurance policy in.

Where does Pennsylvania rank for car insurance cost?
Rank City Premium Per Year
1 Philadelphia $1,997
2 Drexel Hill $1,549
3 Chester $1,435
4 Levittown $1,407
5 Norristown $1,268
6 Allentown $1,108
7 Easton $1,102
8 Reading $1,099
9 Wilkes-Barre $1,089
10 Bethlehem $1,077
11 Erie $1,071
12 Scranton $1,071
13 Pittsburgh $1,063
14 Municipality of Monr $1,059
15 New Castle $1,057
16 Plum $1,047
17 Hazleton $1,046
18 Bethel Park $1,009
19 Altoona $1,002
20 Harrisburg $985
21 Williamsport $966
22 Lancaster $965
23 York $926
24 Lebanon $922
25 State College $896
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Premium amounts are approximated as the specific zip code location can increase or decrease auto insurance rates significantly.

Deciphering which company offers the best auto insurance rates for police officers will take more work than just comparing a company or two.

Every insurance company uses a different method for determining prices, so let’s rank the auto insurance companies with the overall best prices in Pennsylvania. It’s important to know that Pennsylvania auto insurance rates are influenced by many factors which can significantly increase or decrease the cost of having a policy. Improving your credit rating, having a claim, or having an accident may cause policy rate changes that can now make some companies cheaper than before.

Best Cheap Insurance Rates for Law Enforcement

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Rankings for the cheapest Pennsylvania auto insurance companies
Rank Company Cost Per Year
1 General Casualty $726
2 Travelers $779
3 Erie $792
4 USAA $793
5 Penn National $832
6 Auto-Owners $973
7 Atlantic States $1,016
8 Amica $1,022
9 Donegal Mutual $1,102
10 Allied $1,155
11 GEICO $1,157
12 State Farm $1,162
13 California Casualty $1,234
14 State Auto $1,241
15 Mutual Benefit Group $1,397
16 Encompass $1,398
17 Progressive $1,414
18 Harleysville $1,438
19 Nationwide $1,491
20 Chubb $1,551
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General Casualty may have some of the most affordable car insurance rates in Pennsylvania at around $726 a year. Travelers, Erie, USAA, and Penn National would also be considered some of the more affordable Pennsylvania auto insurance companies.

In the rate table above, if you currently have coverage with Penn National and switched to Travelers, you could see annual savings of upwards of $53. Policyholders with Auto-Owners might save as much as $194 a year, and Atlantic States customers might lower prices by up to $237 a year.

To find cheap auto insurance for police officers in Pennsylvania, click here to start your custom quote or feel free to get quotes from the companies below.

These policy prices are averages across all ages of drivers and types of vehicles and do not take into consideration a rate decrease for police officers. So the auto insurance company that is best suited for you may not even be in the list of companies shown earlier. That’s why you need to get quotes using your own driver data and vehicle information.

The make and model of vehicle that needs insurance is one of the primary factors when trying to find cheap auto insurance for police officers in Pennsylvania. Vehicles with limited top-end speed, modern passenger safety features, or low incidents of liability claims will cost less to insure than higher performance models.

The next tables presents auto insurance prices for a number of the cheaper vehicles to insure in Pennsylvania.

Insurance Rates for Popular Cars in Pennsylvania
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Chevrolet Malibu Hybrid $780 $390 $65
Ford Fusion Sport 4-Dr Sedan $836 $418 $70
Honda Accord EX 2-Dr Coupe $878 $439 $73
Honda Civic GX 4-Dr Sedan $860 $430 $72
Hyundai Elantra Blue 4-Dr Sedan $804 $402 $67
Hyundai Sonata GLS 4-Dr Sedan $838 $419 $70
Toyota Camry Hybrid $894 $447 $75
Toyota Corolla S $820 $410 $68
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Data based on married male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Pennsylvania minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, multi-vehicle, and safe-driver. Prices do not factor in your specific Pennsylvania location which can modify coverage rates substantially.

Car Insurance Rates for Popular SUVs and Crossovers in Pennsylvania
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Acura RDX AWD $716 $358 $60
BMW X5 3.5D AWD $908 $454 $76
Buick Enclave XL AWD $852 $426 $71
Chevrolet Traverse LT 2WD $690 $345 $58
Ford Escape XLT 2WD $658 $329 $55
Ford Expedition Eddie Bauer 2WD $772 $386 $64
Ford Explorer XLT 4WD $738 $369 $62
GMC Acadia SLE 2WD $738 $369 $62
Honda CR-V LX 2WD $658 $329 $55
Honda Fit $618 $309 $52
Honda Pilot EX 4WD $754 $377 $63
Jeep Grand Cherokee Limited 4WD $836 $418 $70
Toyota Highlander Sport 4WD $796 $398 $66
Toyota RAV4 2WD $780 $390 $65
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Data rating is based on married male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Pennsylvania minimum liability limits. Discounts applied include multi-policy, homeowner, safe-driver, claim-free, and multi-vehicle. Rate information does not factor in your specific Pennsylvania location which can influence insurance rates greatly.

Auto Insurance Rates for Popular Pickup Trucks in Pennsylvania
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Chevrolet Colorado LT 4WD $658 $329 $55
Chevrolet Silverado LS Regular Cab 2WD $780 $390 $65
Dodge Ram Crew Cab TRX 2WD $854 $427 $71
Ford F-150 SVT Raptor Super Cab 4WD $796 $398 $66
Ford F-250 XLT Super Cab Turbo Diesel 2WD $950 $475 $79
GMC Canyon SLE Ext Cab Z71 2WD $764 $382 $64
GMC Sierra 2500HD SLE Extended Cab 2WD $934 $467 $78
GMC Sierra SLT Crew Cab 4WD $892 $446 $74
Toyota Tacoma 4WD $738 $369 $62
Toyota Tundra Double Cab 4WD $854 $427 $71
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Data based on married male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Pennsylvania minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, multi-vehicle, and claim-free. Price information does not factor in garaging location in Pennsylvania which can raise or lower price quotes noticeably.

Liability rates compared to full coverage

Finding cheap auto insurance for police officers in Pennsylvania should be important to most vehicle owners, and one of the fastest ways to reduce the cost of insurance is to not buy full coverage. The example below shows the comparison of insurance premiums with liability coverage only compared to full coverage. The rate quotes are based on no claims or driving citations, $1,000 deductibles, drivers are not married, and no discounts are taken into consideration.

Averaged for all age groups, comp and collision coverage costs an additional $1,499 per year more than just buying liability only. That raises the question if it’s worth it to buy full coverage. There is no clear-cut rule to eliminate physical damage coverage on your policy, but there is a guideline you can consider. If the yearly cost of comp and collision coverage is about 10% or more of any settlement you would receive from your insurance company, then it’s probably a good time to buy liability coverage only.

Which major car insurance company is best?

If you are shopping around for car insurance, the four most popular companies are Progressive, Allstate, Geico, and State Farm. All of them have unique features and discounts that shoppers can choose from. The table below shows ratings for price, service, and claims, in additional to some of the optional coverages that are available for policyholders.

Top Car Insurance Company Ratings
Progressive Allstate Geico State Farm
Customer Satisfaction 3rd 2nd 1st 4th
Policy Cost 3rd 4th 1st 2nd
Discounts Offered 4th 1st 2nd 3rd
Claims Service 4th 1st 3rd 2nd
Percent of customers who recommend 88% 86% 87% 88%
Rating from A.M. Best A+ A+ A++ A++
Coverage for Uber and Lyft drivers Yes Yes Yes Yes
Emergency roadside service Yes Yes Yes Yes
Accident forgiveness coverage Yes Yes Yes No
Mechanical breakdown insurance Yes No Yes No
Rating based on usage Yes Yes No Yes
New car replacement No Yes No No
Where you can buy Buy online or from an independent agent Can only buy from Allstate agents Online or through a Geico agent Can only buy from State Farm agents
Number of agents 30,000+ 11,000+ 150+ 18,000+
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Tips to find budget-friendly auto insurance for police officers

It’s not impossible to find cheaper rates, and here are some thrifty solutions that can help drivers quote low-cost auto insurance.

  • Do not get into accidents
  • Serious violations like DUI or careless driving can make car insurance unaffordable
  • Safer vehicles cost less to insure
  • Better credit scores save money
  • Raise comprehensive and collision coverage deductibles
  • Full coverage is expensive so only insure older vehicles for liability only
  • Look for cheaper rates once a year by shopping around

The final tip is highly necessary, as we emphasized in this article. Car insurance prices can be changed at any time, so drivers shouldn’t be resistant to buy from a new company if a more affordable rate is found. Many drivers prefer to stick with one company, but we do not recommend it if that loyalty results in overpaying hundreds of dollars a year. Now is a great time to compare rates and find cheaper auto insurance for police officers.