Finding reliable, cheap car insurance is difficult, and finding out which companies have the cheapest insurance rates for police officers will require even more diligence. Each auto insurer has a proprietary method for determining rates in each state, so first we will examine the lowest cost insurance companies in Washington.
It’s important that you understand Seattle, WA insurance rates are calculated based on many things which can substantially decrease or increase the policy premium. That is why it is important to do a thorough rate comparison to find affordable car insurance rates for police officers. Auto insurance prices can be determined by many risk factors and can increase or decrease at any time, so the best price a year ago may now be wasting a lot of money.
Find the Best Cheap Insurance for Law Enforcement
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Capital | $784 |
| 2 | Grange | $813 |
| 3 | Nationwide | $961 |
| 4 | PEMCO | $964 |
| 5 | Mutual Enumclaw | $1,023 |
| 6 | Travelers | $1,028 |
| 7 | California Casualty | $1,072 |
| 8 | The Hartford | $1,090 |
| 9 | USAA | $1,092 |
| 10 | Allied | $1,098 |
| 11 | Chubb | $1,127 |
| 12 | State Farm | $1,165 |
| 13 | Safeco | $1,180 |
| 14 | American Family | $1,208 |
| 15 | Amica | $1,219 |
| 16 | Liberty Mutual | $1,257 |
| 17 | Farmers | $1,315 |
| 18 | Progressive | $1,510 |
| 19 | National General | $1,525 |
| 20 | MetLife | $1,647 |
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Capital quotes some of the most affordable car insurance rates in Seattle at around $784 each year. This is $628 less than the average premium paid by Washington drivers of $1,412. Grange, Nationwide, PEMCO, and Mutual Enumclaw also rank well as some of the lowest-priced Seattle, WA car insurance companies.
In the above example, if you currently have a policy with Mutual Enumclaw and switched to Grange, you could see annual savings of about $210. Insureds with Travelers may save as much as $215 a year, and California Casualty customers might reduce rates by $259 a year.
To see how much you can save, click here to begin a quote or visit any of the companies below.
Remember that these policy rates are averages for all ages of drivers and types of vehicles and and are not calculated with a specific location for police officers. So the car insurance company that can offer you the lowest price may not even be in the top 25 companies in the list above. That point stresses why you need to quote rates from many companies using your own specific driver and vehicle information.
The type of vehicle driven is a significant factor when looking for cheaper auto insurance for police officers. Vehicles with lower acceleration and performance, a plethora of safety features, or a positive history of liability claims will cost substantially less to insure than high performance models.
The list below outlines insurance premiums for some of the most budget-friendly automobiles to buy insurance for.
| Vehicle Insured | Estimated Cost for Full Coverage |
|---|---|
| Honda Accord LX 4-Dr Sedan | $1,587 |
| Honda CR-V LX 4WD | $1,818 |
| Jeep Grand Cherokee Laredo 4WD | $1,878 |
| Ford Explorer Eddie Bauer 4WD | $1,915 |
| Ford Escape Limited 4WD | $1,970 |
| Chevrolet Malibu LTZ | $2,012 |
| Chevrolet Equinox LTZ AWD | $2,022 |
| Chevrolet Silverado LT Regular Cab 2WD | $2,012 |
| Jeep Wrangler Rubicon 4WD 2-Dr | $2,038 |
| Ford Edge Limited 2WD | $2,110 |
| Volkswagen Jetta SE 2.5 Station Wagon | $2,124 |
| Toyota Camry Hybrid | $2,147 |
| Dodge Grand Caravan Hero | $2,150 |
| Toyota Tacoma Double Cab 4WD | $2,158 |
| Toyota Prius | $2,161 |
| Find Cheaper Rates Go | |
Premium data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Washington minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, claim-free, and safe-driver. Table data does not factor in specific location which can influence rates noticeably.
Based upon the table data, you can expect models like the Honda Accord, Honda CR-V, and Jeep Grand Cherokee are likely to be a few of the most affordable vehicles to insure for law enforcement personnel.
One of the more important considerations that are looked at to help calculate insurance cost is where you keep your car in Seattle. Areas with increased crime or more people tend to have more expensive car insurance rates, whereas areas with less crime or weather claims benefit from lower coverage costs.
The illustration below sorts the most expensive places in Washington for police officers in which to purchase auto insurance. Seattle ranks #7 having an annual price of $1,363 for the average insured, which is about $114 monthly.
| Rank | City | Annual Rate |
|---|---|---|
| 1 | Tacoma | $1,427 |
| 2 | Federal Way | $1,421 |
| 3 | Lakewood | $1,420 |
| 4 | Auburn | $1,408 |
| 5 | Renton | $1,403 |
| 6 | Kent | $1,391 |
| 7 | Seattle | $1,363 |
| 8 | Shoreline | $1,352 |
| 9 | South Hill | $1,314 |
| 10 | Everett | $1,250 |
| 11 | Marysville | $1,245 |
| 12 | Redmond | $1,238 |
| 13 | Kirkland | $1,231 |
| 14 | Bellevue | $1,219 |
| 15 | Sammamish | $1,196 |
| 16 | Vancouver | $1,192 |
| 17 | Lacey | $1,122 |
| 18 | Spokane Valley | $1,098 |
| 19 | Spokane | $1,093 |
| 20 | Olympia | $1,083 |
| Find Cheaper Rates Go | ||
Premium amounts are approximated as specific Seattle zip code can affect prices greatly.
The information below illustrates how your choice of deductibles can influence insurance premiums when trying to find cheap insurance for police officers. The rates are based on a married male driver, full coverage, and no additional discounts are factored in.
The chart above illustrates that a 40-year-old driver could save $278 a year by switching from a $100 deductible up to a $500 deductible, or save $418 by switching to a $1,000 deductible. Youthful drivers, like the age 20 example, could shave as much as $934 annually just by choosing higher deductibles when buying full coverage. When raising deductibles, it is essential to have enough funds in savings to enable you to pay the extra out-of-pocket expense, which is the main drawback of higher deductibles.
Does it make sense to buy full coverage?
Finding cheaper insurance should be important to the majority of drivers, and one way to find cheap insurance for police officers is to buy only liability coverage. The diagram below compares annual premium costs with full physical damage coverage and with liability coverage only. The information is based on no claims or driving citations, $1,000 deductibles, single status, and no policy discounts are applied.
Averaged out for all age groups, full coverage on your policy costs an extra $1,242 per year over having just liability coverage. That is a big expense that brings up the question if you should buy full coverage at all. There is no clear-cut formula to stop buying full coverage, but there is a general school of thought. If the yearly cost of full coverage is more than around 10% of replacement cost minus your deductible, the it may be a good time to stop paying for full coverage.
How violations and accidents impact rates
The best way to maintain cheap insurance prices in Washington for law enforcement personnel is to be a careful driver and avoid accidents and violations. The chart below shows how violations and accident claims can impact insurance premiums for different categories of driver ages. The costs are based on a single female driver, full physical damage coverage, $1,000 deductibles, and no discounts are applied.
The data above shows the average cost of an auto insurance policy in Seattle per year with no violations or accidents is $1,578. Get written up for two speeding tickets and the average cost rises to $2,102, an increase of $524 each year. Now add in one accident along with the two speeding tickets and the annual cost of insurance for police officers increases to an average of $2,644. That’s an increase of $1,066, or $89 per month, just for not keeping your driving record clean!