The words “affordable” and “insurance” really shouldn’t be used in the same sentence, specifically when you are shopping around for the best car insurance rates for police officers. In an attempt to save some money, let’s teach you some things that influence insurance prices, and see if you can slash the price of your next policy.
One of the many considerations that are used to help calculate the cost of insurance is where you keep your vehicle. Cities with larger populations or higher claim trends are more likely to pay higher prices, whereas areas with less crime or weather claims benefit from lower prices.
The information below lists the highest-priced areas in Florida for police officers to purchase a policy in. Orlando ranks #19 having an annual price of $2,029 for the average policyholder, which is about $169 per month.
| Rank | City | Annual Rate |
|---|---|---|
| 1 | Hialeah | $3,523 |
| 2 | Miami Gardens | $3,277 |
| 3 | Miami | $3,177 |
| 4 | Miami Beach | $3,043 |
| 5 | Tampa | $2,636 |
| 6 | Miramar | $2,629 |
| 7 | West Palm Beach | $2,625 |
| 8 | Hollywood | $2,552 |
| 9 | Fort Lauderdale | $2,550 |
| 10 | Coral Springs | $2,549 |
| 11 | Davie | $2,523 |
| 12 | Pompano Beach | $2,518 |
| 13 | Pembroke Pines | $2,505 |
| 14 | Brandon | $2,368 |
| 15 | St. Petersburg | $2,286 |
| 16 | Clearwater | $2,194 |
| 17 | Spring Hill | $2,102 |
| 18 | Jacksonville | $2,040 |
| 19 | Orlando | $2,029 |
| 20 | Port St. Lucie | $1,916 |
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Price information shown is approximated as the specific Orlando residence address can alter auto insurance rates significantly.
Deciphering which insurers offer the best car insurance rates for police officers involves a bit more effort in order to find the most economical policy. Every auto insurer has a unique approach to set premium rates, so we will examine the most competitive car insurance companies in Orlando, FL.
It’s important to understand that Florida car insurance rates are influenced by many factors which can significantly increase or decrease the price of your policy. Turning one year older, buying higher coverage limits, or having a fender bender can trigger rate changes that may make certain companies affordable when they were higher priced.
Best Insurance Companies for Law Enforcement
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $977 |
| 2 | Electric | $1,712 |
| 3 | Amica | $1,712 |
| 4 | Progressive | $1,847 |
| 5 | Travelers | $1,945 |
| 6 | Allied | $1,985 |
| 7 | Mercury | $1,992 |
| 8 | Esurance | $2,040 |
| 9 | State Farm | $2,047 |
| 10 | Auto-Owners | $2,085 |
| 11 | GEICO | $2,172 |
| 12 | Allstate | $2,317 |
| 13 | 21st Century | $2,373 |
| 14 | Windhaven Insurance | $2,575 |
| 15 | Safeco | $2,898 |
| 16 | MetLife | $2,900 |
| 17 | Hanover | $2,964 |
| 18 | Liberty Mutual | $3,101 |
| 19 | United Automobile | $3,422 |
| 20 | Direct General | $4,062 |
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USAA quotes some of the lowest car insurance rates in Orlando at around $977 annually. Electric, Amica, Progressive, and Travelers would also make the list of some of the best Orlando, FL insurance companies.
As shown above, if you buy coverage from Electric and switched to USAA, you may see a yearly price reduction of in the vicinity of $735. Florida drivers with Amica may save as much as $735 a year, and Progressive customers might reduce rates by $870 a year.
Be aware that those premiums are averages across all drivers and vehicles in Florida and do not take into consideration a specific vehicle garaging location for police officers. So the company that has the cheapest rates for you may not even be in the top 21 companies in the list above. That point stresses why you need to get rate quotes from many companies using your own individual information.
The vehicle model you are insuring is one of the main factors when comparing cheap insurance for police officers. Vehicles with limited speed and performance, excellent safety ratings, or a track record of few liability claims will cost significantly less to insure than adrenaline junky models. The data below shows car insurance costs for a handful of the most affordable automobiles to insure.
| Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Honda CR-V EX 4WD | $1,326 |
| Toyota RAV4 Sport 4WD | $1,531 |
| Ford Escape Limited 4WD | $1,541 |
| Ford Explorer Eddie Bauer AWD | $1,559 |
| Toyota Prius | $1,575 |
| Ford F-150 XLT Crew Cab 2WD | $1,585 |
| Jeep Wrangler Rubicon 4WD 2-Dr | $1,594 |
| Honda Odyssey EX-L W/Navigation | $1,613 |
| Hyundai Elantra SE 4-Dr Sedan | $1,618 |
| Chevrolet Silverado 2500HD LT Crew Cab 4WD | $1,641 |
| Ford F-350 XLT Super Cab 2WD | $1,672 |
| Dodge Grand Caravan Hero | $1,677 |
| Chevrolet Equinox LS AWD | $1,683 |
| Chevrolet Impala LS | $1,693 |
| Toyota Tacoma Double Cab TRD Off-Road Package 4WD | $1,710 |
| Ford Focus SES 2-Dr Coupe | $1,726 |
| Honda Civic VP 4-Dr Sedan | $1,736 |
| Chevrolet Silverado LTZ Extended Cab 2WD | $1,754 |
| Toyota Camry XLE | $1,769 |
| Ford Edge Sport 2WD | $1,778 |
| Toyota Corolla S | $1,769 |
| Chevrolet Malibu LTZ | $1,803 |
| Volkswagen Jetta 2.0T 4-Dr Sedan | $1,813 |
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Data based on single male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Florida minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, claim-free, and multi-vehicle. Rate information does not factor in specific zip code location which can modify insurance rates substantially.
By looking at the data, we can presume that makes and models like the Honda CR-V, Toyota RAV4, Ford Escape, Ford Explorer, and Toyota Prius are most likely going to be some of the more affordable vehicles to insure for law enforcement personnel.
Get discount Orlando car insurance rates
Insurers that offer coverage for police officers may provide policy discounts that could potentially reduce rates by 25% or more if you meet specific eligibility requirements. A few popular companies and some of their more popular discounts include:
- 21st Century has savings for anti-lock brakes, automatic seat belts, early bird, teen driver, and theft prevention.
- State Farm has discounts for multiple policy, anti-theft, driver’s education, multiple autos, and safe vehicle.
- AAA offers discounts for multi-policy, good driver, anti-theft, multi-car, and education and occupation.
- Liberty Mutual may include discounts for newly retired, safety features, new move discount, exclusive group savings, and multi-policy.
- Progressive discounts include online signing, continuous coverage, good student, multi-policy, multi-vehicle, homeowner, and online quote discount.
The illustration below illustrates the difference between insurance costs with and without discounts applied to the premium. The rates are based on a female driver, no accidents, no driving violations, Florida state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The lower bar shows the rates with multiple vehicle, passive restraint, vehicle safety, marriage, safe-driver, and multiple policy discounts applied. When discounts are applied, theaverage yearly reduction on car insurance for police officers is 28% or $518.
How accidents and tickets impact rates in Orlando
The easiest method to score the best car insurance rates in Orlando for law enforcement personnel is to be a good driver and not have accidents or get tickets. The information below shows how traffic citations and accidents influence annual premium costs for each different age group. The data is based on a married female driver, comp and collision included, $250 deductibles, and no discounts are applied.
In the previous chart, the average cost of car insurance in Orlando per year with a clean driving record and no accidents is $1,686. Get one speeding ticket and the average cost surges to $1,962, an increase of $275 each year. Next add one accident along with the one speeding ticket and the annual cost of car insurance for police officers increases to an average of $2,736. That’s an increase of $1,050, or $87 per month, just for not being more responsible behind the wheel!
How to find budget-friendly insurance for police officers
Lowering your rates is not difficult, and here are a few thrifty ideas that can help you quote cheaper car insurance.
- Do not get into accidents
- Serious violations like DUI or careless driving can make car insurance unaffordable
- Good credit can help you save money
- Raise physical damage deductibles
- Lower rates by purchasing a safer vehicle
- Do not pay for comprehensive and collision coverage on older vehicles
- Look for cheaper rates once a year by shopping around
That final tip is highly important, as we pointed out in the article above. Prices vary greatly, so don’t be afraid to change insurance companies if a more affordable price is available.
Many drivers prefer to stick with one company, but is isn’t recommended if that loyalty ends up costing a fortune every year. Take a couple minutes and compare prices to find cheaper car insurance for police officers in Orlando.
If you aren’t clear which coverage you need and would like to get some professional input when shopping for the best coverage for police officers, the professional agents shown below are a good start to help you decide which car insurance policy is best. To locate an Orlando car insurance agency nearest to you, click the button below the list.
Brown and Brown Insurance Agency, Inc.
7009 Dr Phillips Blvd # 280 – Orlando, FL 32819 – (407) 843-7500
Andy Phillips – State Farm Insurance Agent
7608 W Sand Lake Rd – Orlando, FL 32819 – (407) 354-1320
Marylou Davis – State Farm Insurance Agent
6200 Metrowest Blvd #103 – Orlando, FL 32835 – (407) 857-0400
JCJ Insurance Agency LLC
2208 Hillcrest St – Orlando, FL 32803 – (321) 445-1117
Justin Bauknight – State Farm Insurance Agent
2507 Curry Ford Rd – Orlando, FL 32806 – (407) 898-2041