The car, truck, or SUV you are seeking coverage for is probably the largest consideration in finding the lowest-priced coverage for police officers. Vehicles with average performance, good safety features, or a low likelihood of liability claims will cost substantially less to insure than adrenaline junky models.
The list below ranks car insurance rates for the most cost-effective vehicles to buy coverage for.
|Make and Model||Estimated Cost for Full Coverage|
|Chevrolet Equinox LT AWD||$1,981|
|Ford Fusion S 4-Dr Sedan||$1,989|
|Hyundai Elantra Blue 4-Dr Sedan||$2,045|
|Honda Accord EX 4-Dr Sedan||$2,054|
|Ford Escape XLS 2WD||$2,061|
|Honda CR-V LX 2WD||$2,054|
|GMC Sierra SLT Crew Cab 2WD||$2,122|
|Ford F-150 Lariat Crew Cab Platinum 2WD||$2,128|
|Honda Odyssey Touring||$2,122|
|Nissan Rogue S AWD||$2,130|
|Ford Explorer XLT 4WD||$2,157|
|Chevrolet Silverado 3500HD LTZ Crew Cab 2WD||$2,198|
|Hyundai Sonata SE 4-Dr Sedan||$2,233|
|Volkswagen Jetta SE 2.5 Station Wagon||$2,242|
|Toyota Camry Hybrid||$2,272|
|Toyota RAV4 Limited 2WD||$2,274|
|Chevrolet Malibu LS||$2,282|
|Dodge Grand Caravan SE||$2,301|
|Honda Civic DX 2-Dr Coupe||$2,327|
|Ford Focus SES 4-Dr Sedan||$2,351|
|Toyota Corolla XLE||$2,395|
|Toyota Tacoma X-Runner 2WD||$2,404|
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Premium data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Arizona minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, safe-driver, and multi-vehicle. Information does not factor in specific garaging location which can modify prices noticeably.
Based upon the table data, you can conclude that models like the Toyota Prius, Chevrolet Equinox, Ford Fusion, Hyundai Elantra, and Honda Accord are the more affordable vehicles to insure for law enforcement personnel.
Locating low-priced insurance is hard enough, and determining which company has the cheapest car insurance rates for police officers will involve additional perseverance. Each auto insurance company has a proprietary method to establish rates, so we’ll go over the car insurance companies with the most affordable rates in Phoenix, AZ.
We do need to point out that Phoenix car insurance rates are influenced by many factors that control the price of your policy. This price variability is why Arizona drivers need to perform an extensive rate comparison when trying to find cheap insurance rates for police officers. Prices are influenced by many factors and change frequently, so the most economical company a year ago may now cost much more than other companies.
Find Cheaper Auto Insurance for Law Enforcement
|Rank||Company||Cost Per Year|
|11||Farm Bureau Mutual||$1,285|
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The Hartford may have some of the most affordable car insurance rates in Phoenix at around $845 annually. This is $583 less than the average premium paid by Arizona drivers of $1,428. Safeco, Auto-Owners, Travelers, and USAA would also be considered some of the lowest-priced Phoenix, AZ auto insurance companies.
As illustrated above, if you buy coverage from Auto-Owners and switched to The Hartford, you may realize a yearly price reduction of in the vicinity of $79. Arizona drivers with Travelers may save as much as $230 a year, and USAA insureds might see rate reductions of $235 a year.
To compare your rates to other Arizona insurance companies, click here to start your free quote or click several companies below for low rates.
It’s important to note that these policy rates are averaged across all drivers and vehicles and do not factor in a specific location for police officers. So the auto insurance company that has the lowest price for you may not even be in the list above. That emphasizes why you need to get rate quotes from many companies using your own specific driver information and vehicle.
One of the many components that are looked at to help calculate the cost of insurance is where you choose to live. Cities with larger populations or higher claim trends tend to have more expensive auto insurance rates, whereas less populated areas have the luxury of lower rates.
The following table shows the most expensive places in Arizona for police officers in which to purchase auto insurance. Phoenix is ranked #1 with the yearly price of $1,255 for the average insured, which is around $105 each month.
|Rank||City||Premium Per Year|
|3||San Tan Valley||$1,196|
|24||Lake Havasu City||$870|
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Prices are estimated as the specific area where the vehicle is garaged can impact auto insurance rates considerably.
Selecting the right car insurance company can be a challenge considering how many companies sell insurance in Phoenix. The information below can help you pick which insurers you want to consider putting your business with.
These ratings are for large nationwide companies, so companies that may only write in Arizona are not taken into consideration for the list. To compare price quotes from the insurers below and more, just click here.
Top 10 Large Auto Insurance Companies in Phoenix Ranked by Customer Satisfaction
- Titan Insurance – 95%
- USAA – 94%
- AAA Insurance – 91%
- State Farm – 90%
- Nationwide – 90%
- The Hartford – 89%
- GEICO – 89%
- The General – 88%
- 21st Century – 88%
- Liberty Mutual – 88%
Get discounts on Phoenix insurance rates
Insurance companies that offer coverage for police officers may also offer policy discounts that could reduce prices by 40% or more if you meet eligibility requirements. A few popular companies and some of the premium reductions they offer can be found below.
- Farm Bureau has discounts for youthful driver, safe driver, multi-policy, driver training, and 55 and retired.
- Liberty Mutual offers discounts for preferred payment discount, exclusive group savings, safety features, new graduate, multi-car, newly retired, and newly married.
- State Farm may offer discounts for student away at school, multiple autos, accident-free, defensive driving training, good student, and Steer Clear safe driver discount.
- Auto-Owners Insurance may have discounts that include paperless, anti-lock brakes, multiple vehicles, company car, safe driver, safe vehicle, and air bags.
- GEICO has savings for defensive driver, five-year accident-free, daytime running lights, emergency military deployment, membership and employees, multi-policy, and multi-vehicle.
- SAFECO discounts include bundle discounts, teen safe driver, accident prevention training, safe driver, teen safety rewards, and multi-car.
The illustration below shows the comparison of auto insurance rates with and without some available policy discounts. The premiums are based on a female driver, no claims or driving violations, Arizona state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows the average rate with no discounts. The lower bar shows the rates with claim-free, accident-free, multiple policy, homeowner, vehicle safety, and multiple vehicle discounts applied. When discounts are factored in, theaverage yearly reduction on car insurance for police officers is 28% or $614.
A good deal can quickly turn bad
Phoenix car insurance rates are determined by lots of factors that control the price you have to pay. Simply getting older, buying a different vehicle, or getting a DUI can trigger price changes that can make some companies affordable when they were higher priced.
And not only may your rating factors change, but auto insurance companies change rates as often as every three months to help ensure profitability. An extended period of higher than normal claims may cause more expensive prices, while lower claim expenses can produce more affordable Phoenix car insurance rates.
The chart below shows rates for the cheapest car insurance in Phoenix, AZ for a 40-year-old female driver with no prior claims, no tickets, and good financial standing. Based on her personal profile, The Hartford offers the most affordable car insurance rates in Phoenix at $1,241 a year. This is $187 less than the average premium paid by Arizona drivers of $1,428. Auto-Owners, Safeco, USAA, and Travelers are also on the list of the cheapest Phoenix, AZ auto insurance companies.
The next chart shows rates after we give the driver in the first chart a claim, a little lower credit rating, and a couple of points charged on her driving record. Since each insurance company has a different formula for establishing rates, comparing rates could now result in a new list of affordable Phoenix car insurance companies as shown below.
GEICO now has the lowest price in Phoenix with Ameriprise Group, Allied, CSAA, and Safe Auto also having competitive pricing. This example illustrates why it is crucial to take the time to shop around when trying to find the lowest auto insurance rates for police officers. Auto insurance prices are impacted by many risk factors and can change without notice, so the most economical option the last time you compared rates may now be one of the more expensive options.