The vehicle model on the policy is a large consideration that determines whether or not you find cheaper auto insurance for police officers. Vehicles with high performance, poor crash test ratings, or a track record of large liability claims will cost much more to insure than safer models.

The table below outlines coverage costs for the most economical vehicles to insure in Indiana.

Cheapest Vehicles to Insure for Police Officers in Indiana
Make and Model Estimated Cost for Full Coverage
Honda CR-V EX 2WD $474
Hyundai Elantra SE Touring Station Wagon $514
Ford Escape Limited 4WD $522
Ford Edge SE 2WD $519
Honda Accord LX-P 4-Dr Sedan $528
Jeep Wrangler Rubicon 4WD 2-Dr $529
Chevrolet Impala LT $559
Honda Civic VP 4-Dr Sedan $578
Dodge Grand Caravan CV $580
Ford Explorer XLT 2WD $590
Toyota Prius $593
Honda Odyssey EX W/Rear Entertainment $610
Chevrolet Equinox LT 2WD $625
Ford Fusion S 4-Dr Sedan $631
Toyota RAV4 Sport 4WD $625
Chevrolet Malibu LS $632
Ford Focus SE 2-Dr Coupe $628
Chevrolet Silverado LTZ Crew Cab 2WD $640
Hyundai Sonata Limited 4-Dr Sedan $645
Toyota Camry SE $643
Dodge Ram 2500 Mega Cab SLT 4WD $652
Kia Optima LX $654
Jeep Grand Cherokee Limited 4WD $657
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Data based on married male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Indiana minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-vehicle, and multi-policy. Price estimates do not factor in the specific area where the vehicle is garaged which can affect prices substantially.

Based on these rates, you can presume that makes and models like the Honda CR-V, Hyundai Elantra, Ford Escape, Ford Edge, and Honda Accord should be the cheapest vehicles to insure for law enforcement personnel.

One of the many considerations that are looked at to help calculate auto insurance rates is your address. Areas with more people or more claims like Gary, Merrillville, and Evansville tend to have higher auto insurance costs, whereas more rural areas tend to receive cheaper rates.

The table below shows the highest-priced places in Indiana for police officers to buy an auto insurance policy in.

How much does car insurance cost in Indiana?
Rank City Annual Premium
1 Gary $1,360
2 Hammond $1,314
3 Merrillville $1,095
4 Portage $1,093
5 Evansville $1,087
6 Indianapolis $1,082
7 Lawrence $1,066
8 Kokomo $1,041
9 New Albany $1,039
10 Jeffersonville $1,038
11 Terre Haute $1,035
12 Anderson $1,031
13 Bloomington $998
14 Elkhart $985
15 Fishers $983
16 South Bend $976
17 Columbus $975
18 Carmel $957
19 Fort Wayne $956
20 Mishawaka $945
21 Richmond $944
22 Muncie $937
23 Greenwood $931
24 Noblesville $930
25 Lafayette $926
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Price information shown is comparative as specific Indiana zip code can increase or decrease coverage rates substantially.

Deciding which companies have the cheapest insurance rates for police officers in Indiana calls for a little more work than just quoting one company's rates. Each insurance company has their own unique process to establish rates, so we will examine the most budget-friendly insurance companies in Indiana.

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Indiana auto insurance company rankings
Rank Company Cost Per Year
1 Travelers $596
2 Cincinnati Insurance $664
3 USAA $667
4 Erie $705
5 Western Reserve $846
6 Indiana Farmers Mutual $849
7 The Hartford $881
8 Auto-Owners $915
9 Nationwide $940
10 State Farm $957
11 Utica National $965
12 Motorists Mutual $966
13 Hastings Mutual $1,013
14 Safeco $1,013
15 Westfield $1,061
16 Farmers $1,064
17 State Auto $1,087
18 Wolverine Mutual $1,094
19 Progressive $1,095
20 GEICO $1,100
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Travelers may have some of the lowest car insurance rates in Indiana at around $596 each year. This is $644 less than the average premium paid by Indiana drivers of $1,240. Cincinnati Insurance, USAA, Erie, and Western Reserve would also make the list of some of the lowest-priced Indiana auto insurance companies.

In the rate table above, if you currently buy coverage from Western Reserve and switched to Cincinnati Insurance, you might realize a yearly price reduction of in the vicinity of $182. Customers with Indiana Farmers Mutual may save as much as $185 a year, and The Hartford insureds might see rate reductions of $217 a year.

Understand that those estimates are averages across all types of insureds and vehicles and are not factoring in a rate discount for police officers. So the insurer that can offer the best rates for your situation may not even be in the top 36 companies shown above. That affirms the importance of why you need to compare prices as often as possible using your own individual information.

Insurance company ratings

Ending up with a highly-rated insurance company can be challenging considering how many companies sell coverage in Indiana. The information in the next section can help you choose which auto insurance companies to look at when shopping insurance around for police officers. The ratings below are only comprised of companies that insure vehicles nationwide, so smaller companies that only insure vehicles in Indiana are not taken into consideration for the list.

Top 10 Major Auto Insurance Providers in Indiana Ranked by Customer Service

  1. Nationwide
  2. State Farm
  3. Safeco Insurance
  4. American Family
  5. Titan Insurance
  6. Travelers
  7. Liberty Mutual
  8. GEICO
  9. Erie Insurance
  10. Allstate

Top 10 Major Auto Insurance Providers in Indiana Ranked by Claims Service

  1. Progressive
  2. Travelers
  3. Liberty Mutual
  4. Nationwide
  5. USAA
  6. GEICO
  7. AAA Insurance
  8. Safeco Insurance
  9. Esurance
  10. The General

Types of discounts on Indiana insurance

Insurance companies that provide coverage for police officers may have policy discounts that may potentially lower prices by 25% or more if you are eligible for them. Larger insurance companies and some of their more popular discounts are outlined below.

The example below shows the comparison of premium costs with and without discounts applied to the policy premium. The prices are based on a male driver, no tickets, no at-fault accidents, Indiana state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows the price with no discounts. The second bar shows the rates with multiple policy, defensive driving course, marriage, homeowner, claim-free, and anti-theft discounts applied. When discounts are factored in, the average savings per year on insurance for police officers is 28% or $494.

Cautious drivers save money

The ideal way to receive low insurance premiums in Indiana for law enforcement personnel is to drive safely and not receive tickets or have accidents. The example below demonstrates how traffic citations and fender-benders raise car insurance rates for each age group. The data is based on a single male driver, full coverage, $250 deductibles, and no discounts are factored in.

The data above shows the average cost of an auto insurance policy in Indiana per year with no accidents or violations is $1,480. Receive two speeding tickets and the average cost swells to $1,958, an increase of $478 each year. Now throw in two accidents along with the two speeding tickets and the 12-month cost of insurance for police officers in Indiana increases to an average of $3,721. That's an increase of $2,241, or $187 per month, just for not paying attention while driving!

How to find economical auto insurance for police officers in Indiana

The list below details a few thrifty ideas that can help Indiana drivers get cheaper coverage.

The last tip is notably necessary, as was emphasized in this piece. Insurance prices can change in a short period of time, so don't be unwilling to buy from a new company if a lower-cost policy is available.

Brand loyalty is not necessarily bad, but we do not recommend it if that devotion results in you overpaying big bucks every year. Spend a few minutes and shop around to find cheaper auto insurance for police officers.