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
|Rank||Company||Cost Per Year|
|10||New York Central Mutual||$1,892|
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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.
|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|
|Jeep Wrangler Unlimited Sahara 4WD 4-Dr||$531|
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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.
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 .
|Number of Discounts||4th||1st||3rd||2nd|
|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|
|Accident forgiveness coverage||Yes||Yes||No||Yes|
|New car replacement||No||Yes||No||No|
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