The make and model of vehicle on the policy is one of the primary factors when consumers are trying to find economical insurance for police officers. Vehicles with high performance engines, poor passenger safety features, or a track record of large liability claims will cost much more to insure than more modest models. The information below features car insurance premiums for some of the cheaper vehicles to insure.
| Vehicle Insured | Estimated Cost for Full Coverage |
|---|---|
| Honda CR-V EX 4WD | $881 |
| Jeep Wrangler Sport 4WD 2-Dr | $895 |
| Honda Odyssey LX | $948 |
| Toyota Prius | $954 |
| Ford F-150 XL Super Cab 4WD | $967 |
| Ford Explorer Eddie Bauer 2WD | $977 |
| Honda Accord EX 4-Dr Sedan | $988 |
| Chevrolet Malibu LS | $1,020 |
| GMC Sierra SLE Regular Cab 2WD | $1,025 |
| Toyota Tacoma Double Cab TRD Sport Package 4WD | $1,041 |
| Ford Escape XLS 2WD | $1,056 |
| Toyota Camry SE | $1,072 |
| Chevrolet Impala LTZ | $1,081 |
| Dodge Grand Caravan CV | $1,110 |
| Ford F-350 XLT Super Cab 2WD | $1,112 |
| Toyota Camry Hybrid | $1,165 |
| Volkswagen Jetta LE 4-Dr Sedan | $1,171 |
| Chevrolet Equinox LS 2WD | $1,181 |
| Toyota RAV4 2WD | $1,171 |
| Dodge Ram 2500 Crew Cab ST 4WD | $1,184 |
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Data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, safe-driver, and multi-vehicle. Premium costs do not factor in specific location information which can decrease or increase rates substantially.
Based upon the table data, you can see that makes and models like the Honda CR-V, Jeep Wrangler, Honda Odyssey, and Toyota Prius are going to be a few of the most economical vehicles to insure for law enforcement personnel.
For law enforcement personnel, one of the big considerations that determine the cost of insurance is where you live. More populated areas likely pay more, whereas areas with lower crime rates and fewer weather claims tend to receive slightly lower rates.
The information below ranks the most expensive cities in California for police officers to purchase auto insurance in. San Diego comes in at #22 costing $1,368 for car insurance, which is around $114 each month.
| Rank | City | Premium Per Year |
|---|---|---|
| 1 | Los Angeles | $2,104 |
| 2 | Glendale | $2,079 |
| 3 | Oakland | $1,738 |
| 4 | Sacramento | $1,720 |
| 5 | San Francisco | $1,711 |
| 6 | Stockton | $1,603 |
| 7 | San Bernardino | $1,580 |
| 8 | Long Beach | $1,578 |
| 9 | Moreno Valley | $1,551 |
| 10 | Fontana | $1,535 |
| 11 | Santa Clarita | $1,533 |
| 12 | Riverside | $1,527 |
| 13 | Garden Grove | $1,524 |
| 14 | Modesto | $1,487 |
| 15 | Fresno | $1,472 |
| 16 | Santa Ana | $1,439 |
| 17 | Anaheim | $1,430 |
| 18 | Irvine | $1,384 |
| 19 | Bakersfield | $1,381 |
| 20 | San Jose | $1,381 |
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Annual rates are approximated as specific San Diego garaging address can influence premiums significantly.
Does full coverage make sense?
Reducing premiums for auto insurance should be important to the majority of people, and one easy way to find cheap insurance for police officers is to only pay for liability coverage. The example below shows the comparison of auto insurance rates when comparing full coverage to liability only. The premium estimates are based on no violations or accidents, $1,000 deductibles, single status, and no discounts are applied to the premium.
As an overall average, physical damage coverage costs an extra $1,849 per year over liability only. That is a significant amount which raises the question if buying full coverage is worth the expense. There is no exact rule of when to stop paying for physical damage coverage, but there is a general convention. If the yearly cost of full coverage is more than around 10% of the replacement cost of your vehicle minus the policy deductible, then it’s probably a good time to buy liability coverage only.
There are some conditions where buying only liability insurance is not a good plan. If you have an outstanding loan on your vehicle, you have to maintain full coverage as part of the loan conditions. Also, if you don’t have enough money to buy a different vehicle in case of an accident, you should keep full coverage on your policy.
Types of discounts on San Diego auto insurance
Insurers that provide coverage for police officers may provide rate discounts that could potentially reduce rates by 25% or more if you meet certain criteria. The best auto insurance companies and a selection of discounts are:
- Progressive offers discounts for homeowner, online quote discount, multi-policy, good student, and multi-vehicle.
- The Hartford has savings for good student, air bag, driver training, defensive driver, anti-theft, bundle, and vehicle fuel type.
- Mercury Insurance includes discounts for multi-car, anti-theft, location of vehicle, accident-free, good driver, and annual mileage.
- GEICO may offer discounts for seat belt use, anti-theft, federal employee, five-year accident-free, and defensive driver.
- AAA offers discounts including multi-car, AAA membership discount, good student, pay-in-full, multi-policy, education and occupation, and anti-theft.
- State Farm offers premium reductions for accident-free, good student, student away at school, anti-theft, Steer Clear safe driver discount, passive restraint, and good driver.
The diagram below compares annual premium costs with and without policy discounts. The information is based on a female driver, no claims or violations, California state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows the price with no discounts. The second shows the rates with multiple vehicle, passive restraint, defensive driving course, anti-theft, homeowner, and multiple policy discounts applied. When these discounts are applied to the policy premium, the average amount saved each year on auto insurance for police officers is 28% or $830.
Finding a highly-rated car insurance company can be difficult considering how many companies provide coverage in San Diego. The rank data in the next section may help you analyze which insurers you want to consider to insure your vehicles. The rankings below only include the largest auto insurers in America, so companies with more of a regional focus are not taken into consideration for the list.
Top 10 Major Car Insurance Companies Overall in San Diego
- USAA
- American Family
- AAA of Southern California
- State Farm
- The Hartford
- AAA Insurance
- GEICO
- The General
- Titan Insurance
- Progressive