For law enforcement personnel, one of the more important things that help determine the amount you pay each year for auto insurance is where you live. Areas with more people or higher crime rates will most likely have higher rates, whereas areas with lower vehicle theft rates and fewer weather claims have the luxury of lower rates.
The information below ranks the most expensive areas in California for police officers to purchase car insurance in. Chula Vista shows up at #25 with a yearly premium of $1,311 for the average policyholder, which is approximately $109 each month.
| Rank | City | Annual Rate |
|---|---|---|
| 1 | Glendale | $2,121 |
| 2 | Los Angeles | $2,104 |
| 3 | Sacramento | $1,720 |
| 4 | Oakland | $1,704 |
| 5 | San Francisco | $1,693 |
| 6 | San Bernardino | $1,628 |
| 7 | Long Beach | $1,626 |
| 8 | Stockton | $1,588 |
| 9 | Garden Grove | $1,554 |
| 10 | Santa Clarita | $1,533 |
| 11 | Modesto | $1,532 |
| 12 | Fontana | $1,519 |
| 13 | Moreno Valley | $1,506 |
| 14 | Riverside | $1,482 |
| 15 | Anaheim | $1,474 |
| 16 | Fresno | $1,472 |
| 17 | Santa Ana | $1,453 |
| 18 | Huntington Beach | $1,402 |
| 19 | Fremont | $1,389 |
| 20 | San Jose | $1,381 |
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Prices are estimated as the specific zip code location can alter premiums noticeably.
The type of vehicle you are insuring is one of the primary factors when shopping for economical auto insurance for police officers. Vehicles with lots of speed or power, poor passenger safety features, or an increased likelihood of liability claims will cost more to insure than safer models. The information below shows car insurance rates for the cheaper vehicles to insure.
| Vehicle Insured | Estimated Cost for Full Coverage |
|---|---|
| Honda CR-V EX 4WD | $806 |
| Ford Escape Limited 2WD | $812 |
| Ford F-150 STX Regular Cab 4WD | $884 |
| Dodge Grand Caravan CV | $894 |
| Chevrolet Equinox LT 2WD | $934 |
| Jeep Grand Cherokee Laredo 4WD | $939 |
| Jeep Wrangler Sport Islander Package 4WD 2-Dr | $944 |
| Toyota Tacoma Double Cab 4WD | $950 |
| Toyota Prius | $956 |
| Hyundai Elantra SE Touring Station Wagon | $962 |
| Volkswagen Jetta S 2.5 Station Wagon | $970 |
| Ford Explorer XLT 4WD | $964 |
| Chevrolet Impala LTZ | $984 |
| Ford Edge SEL 2WD | $1,000 |
| Honda Odyssey Touring | $1,005 |
| GMC Sierra SLT Extended Cab 2WD | $1,000 |
| Chevrolet Malibu LS | $1,020 |
| Nissan Rogue SL AWD | $1,050 |
| Toyota Camry LE | $1,052 |
| Toyota RAV4 Limited 4WD | $1,059 |
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Prices based on single male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, multi-policy, and homeowner. Price information does not factor in vehicle garaging location which can affect coverage rates significantly.
Based upon the rates shown, we can presume that models like the Honda CR-V, Ford Escape, and Ford F-150 should be a few of the most affordable vehicles to insure for law enforcement personnel.
Buying low-priced auto insurance is not easy, and determining which companies quote the cheapest auto insurance rates for police officers will require even more shopping around. Each insurer has their own guidelines for setting prices, so we’ll take a look at the most competitive auto insurance companies in California.
Best Cheap Insurance Rates for Law Enforcement
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,109 |
| 2 | Wawanesa | $1,146 |
| 3 | Century National | $1,178 |
| 4 | CSAA | $1,186 |
| 5 | Nationwide | $1,250 |
| 6 | 21st Century | $1,366 |
| 7 | Grange | $1,447 |
| 8 | Progressive | $1,496 |
| 9 | Mercury | $1,503 |
| 10 | GEICO | $1,559 |
| 11 | Allstate | $1,559 |
| 12 | Allied | $1,588 |
| 13 | MetLife | $1,638 |
| 14 | The Hartford | $1,639 |
| 15 | Unitrin | $1,699 |
| 16 | Esurance | $1,739 |
| 17 | State Farm | $1,750 |
| 18 | Bristol West | $1,777 |
| 19 | Travelers | $1,788 |
| 20 | Farmers | $2,006 |
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USAA may have some of the cheapest car insurance rates in Chula Vista at around $1,109 per year. Wawanesa, Century National, CSAA, and Nationwide also qualify as some of the cheapest Chula Vista, CA insurance companies.
In the above rates, if you currently have a policy with CSAA and switched to Wawanesa, you might realize yearly savings of upwards of $40. Customers with Nationwide could save as much as $104 a year, and 21st Century customers might reduce rates by $220 a year.
To see if you’re overpaying, click here to get quotes or click several companies below for low rates.
Understand that those policy rates are averaged for all types of drivers and the different vehicles they drive and do not factor in a specific zip code for police officers. So the auto insurance company that fits you best may not even be in the top 24 companies in the list above. That underscores the importance of why you need to quote rates from many companies using your own driver and vehicle profiles.
Types of discounts on Chula Vista auto insurance
Auto insurance companies that offer coverage for police officers may also offer premium discounts that can lower rates by as much as 35% if you meet specific eligibility requirements. A list of auto insurance companies and a selection of discounts are:
- State Farm may have discounts that include anti-theft, student away at school, good student, good driver, multiple autos, accident-free, and Drive Safe & Save.
- Liberty Mutual may include discounts for safety features, multi-car, new graduate, newly retired, multi-policy, and good student.
- American Family discounts include good student, multi-vehicle, air bags, early bird, accident-free, and Steer into Savings.
- Progressive offers discounts for multi-policy, continuous coverage, multi-vehicle, homeowner, good student, online signing, and online quote discount.
- Farmers Insurance policyholders can earn discounts including teen driver, good student, electronic funds transfer, business and professional, mature driver, and early shopping.
- Auto-Owners Insurance has savings for good student, anti-lock brakes, mature driver, paid in full, air bags, safe driver, and anti-theft.
- SAFECO offers discounts including anti-lock brakes, bundle discounts, teen safety rewards, accident prevention training, and teen safe driver.
The diagram below shows the difference between insurance costs with and without policy discounts. The prices are based on a female driver, no claims or driving citations, California state minimum liability limits, full physical damage coverage, and $1,000 deductibles.
The first bar for each age group shows premium with no discounts. The second bar shows the rates with marriage, accident-free, claim-free, safe-driver, vehicle safety, and homeowner discounts applied. With discounts applied, theamount saved on auto insurance for police officers is 28% or $493.
Buying coverage from a highly-rated car insurance provider can be difficult considering how many choices there are in Chula Vista. The rank data shown next could help you choose which car insurance companies to look at buying from.
These ratings are only made up of the largest companies in the United States, so smaller regional companies are not factored into this list. To get price quotes from the insurers below and more, just click here.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 98 | 100 | 100 | 94% | A++ | 98.6 |
| American Family | 98 | 89 | 100 | 86% | A | 95.4 |
| AAA of Southern California | 91 | 94 | 97 | 92% | A+ | 94.1 |
| State Farm | 88 | 93 | 96 | 90% | A++ | 92.4 |
| The Hartford | 94 | 92 | 90 | 89% | A+ | 91.7 |
| AAA Insurance | 88 | 89 | 95 | 91% | A | 91.2 |
| GEICO | 84 | 93 | 93 | 89% | A++ | 90.3 |
| The General | 89 | 91 | 89 | 88% | A- | 90 |
| Titan Insurance | 90 | 87 | 91 | 95% | A+ | 89.6 |
| Progressive | 84 | 91 | 93 | 87% | A+ | 89.5 |
| Mercury Insurance | 88 | 91 | 90 | 85% | A+ | 89.4 |
| Allstate | 85 | 90 | 92 | 88% | A+ | 89.3 |
| Nationwide | 87 | 88 | 84 | 90% | A+ | 88.7 |
| Liberty Mutual | 84 | 87 | 93 | 88% | A | 88.5 |
| 21st Century | 85 | 86 | 87 | 88% | A | 86.7 |
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Data Source: Insure.com Best Car Insurance Companies
Liability rates compared to full coverage
Finding cheaper auto insurance is the goal of the majority of drivers, and an effective way to pay lower rates for insurance for police officers is to only buy liability coverage. The chart below shows the difference between annual premium costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The premiums assume a clean driving record, no at-fault accidents, $500 deductibles, marital status is single, and no other discounts are factored in.
Averaged for all age groups, physical damage coverage costs an extra $2,273 per year more than insuring for liability only. That is a large expense which might make you wonder when is the right time to remove full coverage. There is no set rule for excluding comprehensive and collision coverage on your policy, but there is a broad guideline. If the annual cost of having full coverage is more than about 10% of the replacement cost of your vehicle minus the policy deductible, then you might want to consider buying only liability coverage.
For example, let’s assume your vehicle’s replacement cost is $7,000 and you have $1,000 physical damage deductibles. If your vehicle is damaged in an accident, the most you would receive is $6,000 after the policy deductible has been paid. If it’s costing in excess of $600 a year for full coverage, then it might be time to buy liability only.
There are some cases where eliminating full coverage is not advised. If you still owe money on your vehicle, you have to keep full coverage to satisfy the loan requirements. Also, if your savings is not enough to buy a different vehicle if your current one is in an accident, you should keep full coverage.
How to find economical auto insurance for police officers
The list below shows some penny-pinching solutions that can help California drivers locate lower-cost auto insurance.
- Older vehicles may not need full coverage
- Do not get traffic citations
- Raise deductibles to save money
- Drive a car with a high safety rating
- Avoid preventable accidents
- Good credit can mean cheaper rates
- Compare price quotes at least once a year
That last idea is highly significant, as we stressed in the prior article. Car insurance rates vary considerably, so don’t be afraid to switch carriers if you can save money. Loyalty to a specific company is fine, but it’s not a good idea if your bullheadedness ends up costing you major coinage every year. Now is a great time to shop around to find cheaper insurance for police officers in Chula Vista.