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.
|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|
|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.
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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.
Compare Cheap Insurance Quotes for Law Enforcement
|Rank||Company||Cost Per Year|
|6||Indiana Farmers Mutual||$849|
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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
- State Farm
- Safeco Insurance
- American Family
- Titan Insurance
- Liberty Mutual
- Erie Insurance
Top 10 Major Auto Insurance Providers in Indiana Ranked by Claims Service
- Liberty Mutual
- AAA Insurance
- Safeco Insurance
- 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.
- GEICO has discounts for membership and employees, military active duty, federal employee, anti-lock brakes, emergency military deployment, and driver training.
- MetLife offers discounts including good driver, claim-free, multi-policy, good student, and accident-free.
- Progressive includes discounts for good student, multi-policy, continuous coverage, homeowner, online quote discount, multi-vehicle, and online signing.
- Travelers discounts include IntelliDrive, hybrid/electric vehicle, good student, payment discounts, and continuous insurance.
- SAFECO policyholders can earn discounts including teen safe driver, anti-lock brakes, safe driver, anti-theft, teen safety rewards, bundle discounts, and homeowner.
- AAA offers discounts for multi-policy, anti-theft, education and occupation, multi-car, and pay-in-full.
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.
- Save money by obeying traffic laws and keeping a clean driving record
- Clean up your credit
- At-fault accidents will increase rates
- Increase your comprehensive and collision deductibles
- On older vehicles, drop full coverage
- Vehicles with good safety ratings have lower liability rates
- Shop around and save
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.