The words “cheap” and “insurance” really should not be used together, especially when you are trying to find the lowest insurance prices for police officers. Because it’s not cheap, let’s teach you some things that determine insurance prices, and find a few ways to shave a little off your next policy.
For law enforcement personnel, one of the big things that help determine auto insurance rates is where you normally keep your vehicle. Areas with a lot of weather claims or more people are more likely to have higher rates, whereas areas with lower vehicle theft rates and fewer weather claims get the luxury of paying less.
The following table shows the priciest cities in Georgia for police officers to buy auto insurance in. Atlanta is ranked at #2 with an annual rate of $1,377 for the average insurance policy, which is approximately $115 per month.
| Rank | City | Average Per Year |
|---|---|---|
| 1 | East Point | $1,494 |
| 2 | Atlanta | $1,377 |
| 3 | North Atlanta | $1,310 |
| 4 | Macon | $1,279 |
| 5 | Marietta | $1,279 |
| 6 | Dunwoody | $1,268 |
| 7 | Mableton | $1,267 |
| 8 | Roswell | $1,259 |
| 9 | Columbus | $1,256 |
| 10 | Sandy Springs | $1,242 |
| 11 | Smyrna | $1,242 |
| 12 | Alpharetta | $1,234 |
| 13 | Augusta | $1,209 |
| 14 | Savannah | $1,203 |
| 15 | Gainesville | $1,196 |
| 16 | Rome | $1,170 |
| 17 | Athens | $1,158 |
| 18 | Peachtree City | $1,156 |
| 19 | Albany | $1,154 |
| 20 | Hinesville | $1,145 |
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Rates are estimated as the vehicle garaging location can lower or raise auto insurance rates substantially.
The make and model of vehicle you are seeking coverage for is probably the largest consideration when comparison shopping for the best cheap car insurance for police officers. Vehicles with lots of horsepower, a lack of safety features, or a history of substantial liability claims will cost substantially more to insure than more economical and safe models.
The next list shows car insurance premiums for a number of the most economical automobiles to insure.
| Vehicle Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Honda CR-V LX 2WD | $1,136 |
| Hyundai Elantra GLS Touring Station Wagon | $1,142 |
| Ford Escape XLS 2WD | $1,136 |
| Toyota Prius | $1,260 |
| Ford Explorer XLT 2WD | $1,276 |
| Ford Focus S 4-Dr Sedan | $1,315 |
| Toyota RAV4 Limited 2WD | $1,344 |
| GMC Sierra SLE Crew Cab 2WD | $1,350 |
| Chevrolet Impala LT | $1,344 |
| Dodge Ram 3500 Crew Cab Laramie 2WD | $1,370 |
| Toyota Corolla XLE | $1,415 |
| Honda Odyssey EX-L W/Navigation | $1,424 |
| Nissan Rogue SL 2WD | $1,439 |
| Jeep Wrangler Sahara 4WD 2-Dr | $1,449 |
| Honda Accord EX 2-Dr Coupe | $1,510 |
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Data variables include married female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Georgia minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, claim-free, and multi-vehicle. Rates do not factor in zip code location which can decrease or increase premium rates significantly.
Looking at the numbers, we can tell that makes and models like the Honda CR-V, Hyundai Elantra, Ford Escape, and Toyota Prius are some of the more affordable vehicles to insure for law enforcement personnel.
Trying to find reasonably-priced insurance is not most people’s favorite thing to do, and determining which company has the cheapest auto insurance rates for police officers requires even more perseverance.
Every insurance provider has a unique approach to set premium rates, so we’ll go over the auto insurance companies with the overall best prices in Atlanta, GA. It’s a good idea to know that Atlanta, GA auto insurance rates are determined by lots of factors which can substantially decrease or increase the price you have to pay. Getting older, buying a newer car, or getting a ticket for running a stop sign can trigger changes in premium that can now make some companies affordable when they were higher priced.
Compare Cheap Insurance Quotes for Law Enforcement
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Auto-Owners | $839 |
| 2 | The Hartford | $913 |
| 3 | USAA | $998 |
| 4 | Central Mutual | $1,157 |
| 5 | MetLife | $1,238 |
| 6 | Travelers | $1,292 |
| 7 | Georgia Farm Bureau | $1,299 |
| 8 | Mercury | $1,355 |
| 9 | Country | $1,391 |
| 10 | Safeco | $1,411 |
| 11 | State Farm | $1,446 |
| 12 | Allied | $1,467 |
| 13 | California Casualty | $1,515 |
| 14 | Encompass | $1,689 |
| 15 | Progressive | $1,721 |
| 16 | Nationwide | $1,901 |
| 17 | Liberty Mutual | $2,004 |
| 18 | GEICO | $2,209 |
| 19 | Allstate | $2,246 |
| 20 | Victoria | $2,585 |
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Auto-Owners has some of the most affordable car insurance rates in Atlanta at around $839 a year. The Hartford, USAA, Central Mutual, and MetLife would also make the list of some of the cheapest Atlanta, GA insurance companies.
In this example, if you are a policyholder with The Hartford and switched to Auto-Owners, you might realize an annual savings of in the neighborhood of $74. Customers with USAA could save as much as $159 a year, and Central Mutual policyholders might reduce rates by $318 a year.
It’s important to note that these premium estimates are averages across all drivers and vehicles and and are not calculated with a specific vehicle garaging location for police officers. So the car insurance company that fits your needs best may not even be in the top 20 companies in the list above. That point stresses why you need to get rate quotes using your own driver information and specific vehicle type.
How accidents and tickets impact rates
The easiest way to maintain affordable auto insurance rates in Atlanta for law enforcement personnel is to drive carefully and avoid accidents and traffic violations. The chart below illustrates how violations and at-fault claims can influence yearly insurance costs for different age groups of insureds. The premiums assume a single male driver, full physical damage coverage, $1,000 deductibles, and no other discounts are factored in.
The data in the chart shows the average cost of a car insurance policy in Georgia per year with a clean driving record and no accidents is $1,650. Receive one speeding ticket and the average cost surges to $1,862, an increase of $212 each year. Then include one accident along with the one speeding ticket and the 12-month cost of auto insurance for police officers goes up to an average of $2,447. That’s an increase of $798, or $66 per month, just for not being attentive to the road!
Should you buy full coverage?
Saving money when shopping for auto insurance is important to most vehicle owners, and one of the quickest ways to find cheaper insurance for police officers is to only buy liability insurance. The chart below visualizes the comparison of insurance costs with liability coverage only compared to full coverage. Data assumes no tickets, no at-fault accidents, $1,000 deductibles, marital status is single, and no discounts are applied.
As an average, physical damage insurance costs $1,650 per year more than just buying liability only. That may make you wonder when is it a good idea to stop buying full coverage. There is no exact formula of when to eliminate comp and collision coverage, but there is a guideline you can consider. If the yearly cost for physical damage coverage is 10% or more of the replacement cost minus the deductible, then it might be time to buy liability only.
Get discounts on Atlanta insurance
Auto insurance companies that offer quotes for police officers may provide price discounts that could potentially reduce rates by as much as 35% if you meet specific criteria. The best auto insurance companies and a summarized list of policyholder discounts can be read below.
- 21st Century may have discounts that include anti-lock brakes, theft prevention, early bird, good student, student driver, air bags, and homeowners.
- State Farm may offer discounts for good driver, accident-free, multiple policy, driver’s education, good student, and defensive driving training.
- AAA has savings for multi-policy, good driver, good student, anti-theft, pay-in-full, multi-car, and education and occupation.
- Liberty Mutual includes discounts for teen driver discount, safety features, new move discount, good student, exclusive group savings, multi-policy, and hybrid vehicle.
- Progressive offers premium reductions for multi-vehicle, online signing, online quote discount, homeowner, continuous coverage, and good student.
The illustration below illustrates the comparison of annual premium costs with and without discounts applied. The rate quotes are based on a female driver, no claims or driving violations, Georgia state minimum liability limits, comp and collision included, and $1,000 deductibles.
The first bar for each age group shows premium with no discounts. The lower bar shows the rates with claim-free, vehicle safety, anti-theft, accident-free, homeowner, and marriage discounts applied. When discounts are applied, the average amount saved each year on auto insurance for police officers is 28% or $596.