How Much Does Car Insurance Cost for Police Officers in New York?

How Much Does Car Insurance Cost for Police Officers in New York?

Establishing which company offers the cheapest insurance rates for police officers calls for a bit more effort than just getting one or two price quotes.

Each insurance company uses a different method for setting prices, so we’ll take a look at the most competitive insurance companies in New York.

Find the Cheapest Car Insurance for Law Enforcement

Start Your Free Quote

Cheapest New York auto insurance companies
Rank Company Cost Per Year
1 USAA $1,152
2 Erie $1,242
3 Progressive $1,496
4 Utica National $1,504
5 Travelers $1,529
6 Allstate $1,541
7 MetLife $1,572
8 Amica $1,580
9 Preferred Mutual $1,754
10 New York Central Mutual $1,892
11 State Farm $1,904
12 GEICO $1,907
13 Safeco $1,966
14 Central Mutual $2,028
15 Liberty Mutual $2,087
16 Hanover $2,299
17 Encompass $2,689
18 Nationwide $3,054
19 Mercury $3,965
20 21st Century $4,324
Compare Rates Now Go

USAA may offer some of the lowest car insurance rates in New York at around $1,152 per year. Erie, Progressive, Utica National, and Travelers also rank well as some of the most economical New York auto insurance companies.

As the example above demonstrates, if you currently have coverage with Utica National and switched to Erie, you may see savings of about $262. Insureds with Travelers may save as much as $287 a year, and Allstate insureds might lower prices by $299 a year.

Be aware that those policy rates are averaged across all types of drivers and the different vehicles they drive and and are not calculated with a price discount for police officers. So the insurer that has the cheapest rates for you may not even be included in the list above. That helps illustrate why you need to get auto insurance quotes using your own driver data and vehicle information.

The vehicle model you are trying to insure is a significant factor when shopping for cheap car insurance for police officers in New York. Vehicles with reasonable performance levels, good safety features, or a low likelihood of having liability claims will cost significantly less to insure than high performance models. The information below ranks insurance premiums for a handful of the most budget-friendly automobiles to insure.

Cheapest Auto Insurance Rates for Police Officers in New York
Vehicle Estimated Cost for Full Coverage
Honda Accord LX-P 4-Dr Sedan $412
Honda CR-V EX 4WD $423
Ford Explorer Eddie Bauer 2WD $461
Dodge Grand Caravan CV $468
Hyundai Tucson Limited 2WD $486
Chevrolet Traverse LT 2WD $488
Subaru Forester XT Limited Edition W/Navigation AWD $493
Subaru Outback 2.5I Premium $496
Ford Focus SEL 4-Dr Sedan $501
Hyundai Elantra SE Touring Station Wagon $507
Ford Escape Limited 4WD $515
Ford F-150 XLT Regular Cab 2WD $512
Toyota Sienna XLE AWD $518
Toyota Corolla XRS $521
Volkswagen Jetta SE 4-Dr Sedan $528
Nissan Rogue SL 2WD $523
Kia Forte LX 4-Dr Sedan $531
Chevrolet Silverado LT Regular Cab $523
Toyota Prius $524
Jeep Wrangler Unlimited Sahara 4WD 4-Dr $531
Get a Custom Quote Go

Data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and New York minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, homeowner, and safe-driver. Estimates do not factor in the specific area where the vehicle is garaged which can modify premium rates greatly.

Based upon these rates, you can presume that models like the Honda Accord, Honda CR-V, Ford Explorer, Dodge Grand Caravan, and Hyundai Tucson will definitely be a few of the cheapest vehicles to insure for law enforcement personnel.

Progressive, Allstate, State Farm, and Geico compared

When it comes to buying auto insurance for law enforcement personnel, the companies that insure more vehicles than anyone else are Progressive, Allstate, State Farm, and Geico. Combined they have almost 50% of the entire U.S. car insurance market. They all have your normal coverages like liability, comprehensive, and collision, but each one offers different optional coverages and features that can influence your buying decision. The next table compares and contrasts ratings and policy coverage options .

Comparison of Top Four U.S. Car Insurance Companies
Progressive Allstate State Farm Geico
Overall Cost 3rd 4th 2nd 1st
Number of Discounts 4th 1st 3rd 2nd
Claims Handling 4th 1st 2nd 3rd
Overall Satisfaction 3rd 2nd 4th 1st
Amount of market share 8.8% 10% 18.3% 11.4%
Percent of customers who recommend 88% 86% 88% 87%
Coverage for Uber and Lyft drivers Yes Yes Yes Yes
Usage-based rating Yes Yes Yes No
Accident forgiveness coverage Yes Yes No Yes
New car replacement No Yes No No
Roadside assistance Yes Yes Yes Yes
Mechnical breakdown Yes No No Yes
Compare Prices Go