The car, truck, or SUV requiring insurance is one of the largest considerations when trying to find cheap coverage for police officers. Vehicles with higher performance, a lack of modern safety features, or a high likelihood of having liability claims will cost substantially more to insure than safer models.
The next list estimates car insurance costs for some of the cheapest automobiles to insure.
| Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Honda CR-V LX 2WD | $1,069 |
| Honda Accord EX 4-Dr Sedan | $1,075 |
| Ford Escape XLS 4WD | $1,169 |
| Toyota Prius | $1,183 |
| Ford Edge SE AWD | $1,242 |
| Volkswagen Jetta SE 2.5 Station Wagon | $1,251 |
| Ford Fusion S 4-Dr Sedan | $1,265 |
| Chevrolet Malibu LS | $1,275 |
| Honda Civic EX 4-Dr Sedan | $1,309 |
| Ford Explorer XLT AWD | $1,311 |
| Dodge Grand Caravan CV | $1,319 |
| Honda Odyssey EX W/Rear Entertainment | $1,358 |
| Chevrolet Impala LT | $1,386 |
| Jeep Grand Cherokee Laredo 4WD | $1,392 |
| Ford F-150 XLT Crew Cab 4WD | $1,414 |
| Chevrolet Equinox LT 2WD | $1,423 |
| Toyota RAV4 Sport 2WD | $1,430 |
| Ford Focus SES 2-Dr Coupe | $1,423 |
| Hyundai Elantra Blue 4-Dr Sedan | $1,435 |
| Hyundai Sonata Limited 4-Dr Sedan | $1,446 |
| Toyota Corolla XLE | $1,463 |
| Toyota Tacoma X-Runner 2WD | $1,470 |
| Chevrolet Silverado LS Extended Cab 2WD | $1,481 |
| Start a Quote Go | |
Price data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, homeowner, and multi-policy. Price estimates do not factor in vehicle location which can decrease or increase premium rates significantly.
Based upon the table data, we can conclude that makes and models like the Honda CR-V, Honda Accord, and Ford Escape are most likely to be the most affordable vehicles to insure for law enforcement personnel.
Deciding which company offers the cheapest car insurance rates for police officers requires more work in order to find the best policy. Every car insurance company has a unique approach to determine rates, so let’s take a look at the most budget-friendly car insurance companies in Lubbock, TX.
It’s a good idea to be aware that Lubbock car insurance rates are impacted by many factors that may substantially change the policy price. Simply improving your credit, moving across town, or getting a ticket for running a stop sign can trigger changes in premium resulting in some companies being cheaper in comparison to the competition.
Find the Best Cheap Insurance for Law Enforcement
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Travelers | $1,052 |
| 2 | USAA | $1,084 |
| 3 | Texas Farm Bureau | $1,235 |
| 4 | Germania Mutual | $1,256 |
| 5 | Esurance | $1,365 |
| 6 | California Casualty | $1,396 |
| 7 | Mercury | $1,476 |
| 8 | State Farm | $1,510 |
| 9 | Nationwide | $1,538 |
| 10 | Safe Auto | $1,565 |
| 11 | Progressive | $1,647 |
| 12 | Allstate | $1,667 |
| 13 | Amica | $1,723 |
| 14 | Home State | $2,092 |
| 15 | GEICO | $2,156 |
| 16 | MetLife | $2,227 |
| 17 | Unitrin | $2,241 |
| 18 | Encompass | $2,324 |
| 19 | 21st Century | $2,494 |
| 20 | Titan | $2,594 |
| Get Personalized Rates Go | ||
Travelers has some of the most affordable car insurance rates in Lubbock at around $1,052 per year. USAA, Texas Farm Bureau, Germania Mutual, and Esurance also qualify as some of the cheaper Lubbock, TX auto insurance companies.
In the above rates, if you have coverage with Germania Mutual and switched to Travelers, you may see annual savings of approximately $204. Insureds with Esurance could save as much as $313 a year, and California Casualty customers might see rate reductions of $344 a year.
Understand that those premiums are averaged for all insureds and vehicles and do not factor in a specific location for police officers. So the insurer that fits your needs best may not even be in the top 23 companies in the list above. That underscores the importance of why you need to compare as many prices as possible using your own specific driver information and vehicle.
Get discounts on Lubbock insurance rates
Insurance providers that offer coverage for police officers may additionally offer special discounts that can reduce rates by as much as 35% or more if you are eligible. The best car insurance companies and some of their more popular discounts include:
- State Farm has savings for defensive driving training, Steer Clear safe driver discount, accident-free, multiple policy, student away at school, good student, and driver’s education.
- Progressive offers discounts for good student, online quote discount, multi-policy, continuous coverage, multi-vehicle, online signing, and homeowner.
- Travelers may offer discounts for multi-car, save driver, continuous insurance, home ownership, and new car.
- American Family has discounts for TimeAway discount, defensive driver, good student, mySafetyValet, and Steer into Savings.
- Liberty Mutual includes discounts for hybrid vehicle, preferred payment discount, newly retired, newly married, safety features, and multi-policy.
The chart below shows the difference between insurance premiums with and without some available policy discounts. The prices are based on a female driver, no accidents or driving violations, Texas state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows the price with no discounts. The second shows the rates with defensive driving course, multiple policy, anti-theft, accident-free, multiple vehicle, and marriage discounts applied. When these discounts are applied to the policy premium, theamount saved on car insurance for police officers is 28% or $571.
How careless driving impacts Lubbock car insurance rates
In a perfect world, the best way to enjoy the cheapest car insurance prices for law enforcement personnel is to be a cautious driver and avoid accidents and traffic citations. The diagram below highlights how traffic violations and accidents impact insurance costs for different ages of insureds. The data is based on a married female driver, comp and collision included, $500 deductibles, and no additional discounts are factored in.
In the prior example, the average cost of car insurance in Texas per year with a clean driving record and no accidents is $1,867. Factor in one speeding ticket and the average cost surges to $2,178, an increase of $311 each year. Then add one accident along with the one speeding ticket and the 12-month cost of car insurance for police officers jumps again to an average of $3,046. That’s an increase of $1,179, or $98 per month, just for not keeping your driving record clean!
Full coverage or liability only
Saving money on car insurance is the goal of most vehicle owners, and one way to pay lower rates for insurance for police officers is to buy only liability coverage. The information below visualizes the comparison of insurance rates with and without full coverage. The costs are based on no claims or driving citations, $500 deductibles, single status, and no additional discounts are factored in.
On average, full coverage on your policy costs an additional $2,393 per year more than insuring for liability only. Many of you may wonder if paying for full coverage is a waste of money. There is no clear-cut rule of when to eliminate physical damage coverage, but there is a guideline you can consider. If the yearly cost for physical damage coverage is more than around 10% of the vehicle’s replacement cost less your deductible, the it may be a good time to stop paying for full coverage.
How to find cheaper auto insurance for police officers
Lowering your rates is not difficult, and here are many thrifty solutions that can help Texas drivers buy low-cost coverage.
- Be a safe driver
- Raise deductibles to save money
- Higher credit scores can equal lower rates
- Choose a safer vehicle and pay lower rates
- Remain accident-free and save
- On older vehicles, drop full coverage
- Compare rate quotes frequently
The final tip is incredibly significant, as we emphasized in the prior information. Car insurance rates can be changed at any time, so drivers shouldn’t be resistant to switch companies if a cheaper price is available. Brand loyalty is not necessarily bad, but it’s not a great idea if your bullheadedness ends up costing you money that could be used for better things. In just a couple of minutes you could compare prices to find cheaper car insurance for police officers in Lubbock.
If you wish to get some professional advice when trying to find the best insurance rates for law enforcement personnel, the insurance agencies listed below can probably help you make a decision which coverage fits your budget.
To find an auto insurance agency nearest to you, click the link at the bottom.
Scott Powell – State Farm Insurance Agent
3410 98th St Ste 3 – Lubbock, TX 79423 – (806) 793-2855
Rebecca Egert – State Farm Insurance Agent
9810 Indiana Ave Ste 120 – Lubbock, TX 79423 – (806) 795-4344
Peter Griffith – State Farm Insurance Agent
409 Frankford Ave – Lubbock, TX 79416 – (806) 785-4456