Cheapest Car Insurance Quotes for Police Officers in Ohio

Cheapest Car Insurance Quotes for Police Officers in Ohio

The car, truck, or SUV driven is one of the biggest factors when shopping around for the cheapest car insurance for police officers. Vehicles with more horsepower, poor safety features, or a high likelihood of having liability claims will cost much more to insure than safer, lower-performance models.

The table below estimates insurance rates for a number of the most economical automobiles to buy insurance for.

Cheapest Auto Insurance Rates for Police Officers in Ohio
Make, Model, and Trim Level Estimated Cost for Full Coverage
Ford Escape XLT 4WD $360
Ford Edge SE 2WD $379
Honda CR-V EX 4WD $394
Toyota Sienna LE AWD $414
Nissan Altima 2.5 4-Dr Sedan $424
Chevrolet Equinox LT AWD $414
Jeep Wrangler Unlimited Sport Islander Package 4WD 4-Dr $416
Volkswagen Jetta S 2.5 Station Wagon $421
Ford Explorer Limited 4WD $424
Kia Forte EX 4-Dr Sedan $426
Chevrolet Traverse LT AWD $432
Toyota Prius $438
Honda Accord EX-L 4-Dr Sedan $436
Hyundai Elantra SE Touring Station Wagon $442
Subaru Outback 2.5I $437
Hyundai Santa Fe SE 4WD $439
Hyundai Sonata GLS 4-Dr Sedan $440
Nissan Rogue SL 2WD $447
GMC Sierra SLE Crew Cab 4WD $448
Dodge Grand Caravan Hero $454
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Data based on married male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Ohio minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-policy, and multi-vehicle. Prices do not factor in specific Ohio garaging location which can revise price quotes considerably.

Looking at the rates, you can expect vehicles like the Ford Escape, Ford Edge, Honda CR-V, and Toyota Sienna are most likely going to be a few of the most economical vehicles to insure for law enforcement personnel.

One of the more important components used to calculate a rate quote is the neighborhood you call home. Areas with more people like Youngstown, Cleveland, and Cincinnati likely pay more, whereas areas with less congestion profit from lower rates.

The illustration below lists the most expensive areas in Ohio for police officers to purchase car insurance in.

Most expensive Ohio cities for auto insurance
Rank City Annual Premium
1 Youngstown $1,285
2 Toledo $1,267
3 Cleveland $1,259
4 Columbus $1,211
5 Cincinnati $1,186
6 Cleveland Heights $1,178
7 Akron $1,169
8 Euclid $1,164
9 Dayton $1,142
10 Hamilton $1,113
11 Springfield $1,094
12 Canton $1,091
13 Lakewood $1,073
14 Middletown $1,066
15 Newark $1,063
16 Beavercreek $1,058
17 Fairfield $1,053
18 Kettering $1,051
19 Cuyahoga Falls $1,027
20 Mansfield $1,022
21 Elyria $1,005
22 Strongsville $1,001
23 Parma $997
24 Mentor $988
25 Lorain $975
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Information shown are approximated as specific Ohio garaging address can decrease or increase insurance rates substantially.

Ohio auto insurance companies ranked

Choosing the top company is difficult considering how many different companies insure vehicles in Ohio. The company rank data shown next may help you decide which companies you want to consider comparing price quotes from. The ratings below are for large, nationwide insurance companies, so companies with more of a regional focus are not factored into the list.

Ohio Auto Insurance Company Rankings
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 99 100 90 92% A++ 97.4
21st Century 89 86 100 88% A 92.7
GEICO 97 91 88 85% A++ 92.5
Nationwide 88 94 91 88% A+ 91.3
AAA Insurance 93 87 88 87% A 90.8
Liberty Mutual 91 91 92 87% A 90.7
Safeco Insurance 90 93 88 86% A 90.2
State Farm 91 94 80 88% A++ 90.2
Travelers 89 91 94 79% A++ 90.1
American Family 88 92 83 88% A 89.4
Titan Insurance 89 91 83 86% A+ 89.3
Allstate 90 90 84 85% A+ 89.1
Progressive 83 85 99 87% A+ 88.7
Erie Insurance 92 90 82 88% A+ 88.5
The Hartford 87 89 84 87% A+ 88
Esurance 84 88 85 83% A+ 86
Farmers Insurance 79 88 84 87% A 84.7
The General 88 80 85 80% A- 84.5
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Data Source: Insure.com Best Car Insurance Companies

Who is cheaper: State Farm, Allstate, Progressive, or Geico?

When shopping for car insurance, four companies to definitely compare rates with are State Farm, Allstate, Progressive, and Geico. Between them, they insure over 48% of the entire U.S. auto insurance market. All offer liability and physical damage insurance, but each one has a unique set of features, discounts, and options that may steer you one way or another. The following table compares and contrasts some of the different options and features that may be available in Ohio.

Top Car Insurance Company Ratings
State Farm Allstate Progressive Geico
Client Satisfaction 4th 2nd 3rd 1st
Discounts Offered 3rd 1st 4th 2nd
Price Rank 2nd 4th 3rd 1st
Claims Handling 2nd 1st 4th 3rd
Percent of customers who recommend 88% 86% 88% 87%
A.M. Best financial rating A++ A+ A+ A++
Rating based on usage Yes Yes Yes No
Mechanical breakdown insurance No No Yes Yes
Emergency roadside service Yes Yes Yes Yes
Coverage for Uber and Lyft drivers Yes Yes Yes Yes
Accident forgiveness coverage No Yes Yes Yes
New car replacement No Yes No No
Where to buy Only from State Farm agents Allstate-only agents Buy online or from an independent agent Online or through a Geico agent
Number of agents 18,000+ 11,000+ 30,000+ 150+
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Find the cheapest auto insurance for police officers in Ohio

Lowering your rates is not difficult, and here are a few penny-pinching solutions that can help Ohio drivers find more affordable car insurance.

  • Drop full coverage on older vehicles
  • Insure your home and auto with the same company
  • Buy safe vehicles
  • Drive attentively and avoid accidents
  • Speeding tickets and other violations increase rates
  • Discounts for being claim-free can be substantial
  • Shop around for cheaper prices often

That last idea is highly important, as was pointed out in the prior article. Car insurance prices in Ohio go up and down frequently, so drivers shouldn’t be resistant to switch carriers if you find a better deal. Loyalty to a specific company is fine, but it’s not recommended if that devotedness results in you overpaying potentially thousands of dollars a year. In less than five minutes you could shop around to find cheaper car insurance for police officers.

Who has the cheapest insurance quotes for law enforcement personnel?

There are many ways to quote and buy auto insurance in Ohio, but the three most common methods are through an independent agent, an exclusive agency such as Liberty Mutual or Allstate, or direct from companies such as Geico or Progressive. They all have the same end result, but it’s good to know the differences in how they give price quotes.

Independent insurance agencies are appointed by several companies and can get policy pricing from all of them. These agents can quote rates with many companies, which can help you get the best shot at cutting your rates. If you want to switch companies, it’s simple to move the policy which prevents you from having to find an new insurance agent.

An exlusive, or captive, agency is only able to quote rates from one company, two popular examples being a Farmers or Allstate agent. Exclusive agents cannot shop your coverage around, so if rates are high, they cannot give you alternative choices.

Direct auto insurance buyers forego local agents and instead buy direct online or over the phone from a company like Progressive or Esurance. Shopping direct is good for consumers who have an average risk profile and have a good understanding of what coverages, limits, and deductibles they need.

Which way works best for finding the cheapest auto insurance for police officers in Ohio? Most drivers assume that shopping direct results in the cheapest price since there isn’t an agent involved, but unfortunately, it’s not that simple. It would also be easy to say using an independent agent guarantees the best prices because they can quote many companies, but again, that’s not a true statement. In some circumstances, exclusive agencies have very competitive rates that other auto insurance companies cannot touch.

Because there is so much variation in auto insurance prices, the best method to ensure the lowest rates is to get as many comparison quotes as possible. Money-saving experts recommend you get quotes from all three to have the best rate selection. A great place to start is our list of online companies offering discounts: click here to view.