The vehicle driven is probably the biggest factor when quoting cheaper coverage for police officers. Vehicles with higher performance, poor crash test ratings, or an increased likelihood of liability claims will cost much more to insure than more economical and safe models.
The next table estimates coverage premiums for some of the most economical automobiles to insure in Illinois.
| Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Ford Escape XLS 4WD | $2,117 |
| Toyota Prius | $2,347 |
| Honda CR-V LX 4WD | $2,386 |
| Volkswagen Jetta SE 2.5 Station Wagon | $2,481 |
| Toyota RAV4 2WD | $2,501 |
| Toyota Camry LE | $2,509 |
| GMC Sierra SL Extended Cab 2WD | $2,501 |
| Ford Fusion S 4-Dr Sedan | $2,511 |
| Dodge Grand Caravan Hero | $2,501 |
| Ford Edge SE 2WD | $2,537 |
| Toyota Corolla LE | $2,635 |
| Ford F-250 XL 2WD | $2,684 |
| Jeep Grand Cherokee Limited 4WD | $2,694 |
| Jeep Wrangler Rubicon 4WD 2-Dr | $2,688 |
| Dodge Ram Crew Cab ST 2WD | $2,734 |
| Ford Focus SE 4-Dr Sedan | $2,756 |
| Ford Explorer Limited 2WD | $2,796 |
| Ford F-150 SVT Raptor Super Cab 4WD | $2,804 |
| Dodge Ram 3500 Crew Cab Laramie 2WD | $2,796 |
| Chevrolet Malibu LS | $2,819 |
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Prices based on single male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Illinois minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, multi-policy, and homeowner. Premium amounts do not factor in zip code location which can alter premiums significantly.
Based upon the table data, makes and models like the Ford Escape, Toyota Prius, Honda CR-V, Volkswagen Jetta, and Toyota RAV4 are likely to be a few of the cheapest vehicles to insure for law enforcement personnel.
Deciding which companies offer the lowest-priced car insurance rates for police officers will require more time in order to find the best price.
Every auto insurer has their own guidelines for setting rates, so let's look at the rankings for the car insurance companies with the overall cheapest rates in Chicago. Keep in mind that Chicago car insurance rates are influenced by many factors that control your annual premium. Getting older, buying a different vehicle, or getting into an accident may prompt premium changes resulting in some companies being cheaper than competitors.
Compare Cheap Insurance Quotes for Law Enforcement
The Hartford generally has some of the cheapest car insurance rates in Chicago at around $776 a year. Rockford Mutual, Titan, Erie, and Cincinnati Insurance also rank well as some of the most economical Chicago, IL auto insurance companies.
As the rates illustrate above, if you buy coverage from Erie and switched to The Hartford, you could earn savings of about $129. Customers with Cincinnati Insurance could save as much as $148 a year, and Utica National insureds might lower prices by up to $170 a year.
It's important to note that these premium estimates are averaged across all types of insureds and vehicles and and are not figured with an exact zip code location for police officers. So the car insurance company that is best suited for you may not even be in the top 36 companies shown above. That is why you need to get auto insurance quotes using your own personal information and vehicle type.
Selecting the top auto insurance provider can be challenging considering how many different companies there are to choose from in Chicago. The company rank data shown next may help you decide which auto insurance companies you want to consider when looking for cheaper rates. These rankings are only made up of companies that insure vehicles across America, so companies that have a smaller presence are not factored into these rankings.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 99 | 100 | 90 | 92% | A++ | 97.4 |
| 21st Century | 89 | 86 | 100 | 88% | A | 92.7 |
| GEICO | 97 | 91 | 88 | 85% | A++ | 92.5 |
| Nationwide | 88 | 94 | 91 | 88% | A+ | 91.3 |
| AAA Insurance | 93 | 87 | 88 | 87% | A | 90.8 |
| Liberty Mutual | 91 | 91 | 92 | 87% | A | 90.7 |
| Safeco Insurance | 90 | 93 | 88 | 86% | A | 90.2 |
| State Farm | 91 | 94 | 80 | 88% | A++ | 90.2 |
| Travelers | 89 | 91 | 94 | 79% | A++ | 90.1 |
| American Family | 88 | 92 | 83 | 88% | A | 89.4 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
Price comparison of only insuring for liability
Saving money on car insurance is probably important to most drivers, and one common way to pay lower rates for insurance for police officers is to not buy full coverage. The chart below shows the difference between insurance prices with and without physical damage coverage. The prices are based on no claims, a clean driving record, $100 deductibles, single status, and no discounts are factored in.
If the expense is averaged for all age categories, full coverage on your policy costs $1,672 per year more than just insuring for liability. That is a large expense and it proposes the question if buying full coverage is a good investment. There is no clear-cut formula of when to stop paying for comprehensive and collision coverage on your policy, but there is a guideline you can consider. If the yearly cost of comp and collision coverage is more than 10% of the replacement cost of your vehicle minus the policy deductible, then you might want to think about dropping full coverage.
There are some conditions where only buying liability is not a good plan. If you have an outstanding loan on your vehicle, you have to carry full coverage as part of the loan conditions. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is totaled, you should not drop full coverage.
Drive responsibly or pay higher rates
One of the best ways to receive the best car insurance rates in Chicago for law enforcement personnel is to pay attention while driving and not get tickets or have accidents. The example below demonstrates how traffic citations and at-fault collisions can raise auto insurance rates for different age groups. The data is based on a single female driver, full coverage, $500 deductibles, and no policy discounts are applied.
The data in the chart shows the average cost of auto insurance per year with a clean driving record and no accidents is $1,568. Get one speeding ticket and the average cost hikes up to $1,779, an increase of $211 each year. Now add one accident along with the one speeding ticket and the 12-month cost of car insurance for police officers increases to an average of $2,369. That's an increase of $801, or $67 per month, just for not driving carefully!
Your low-price policy may be costing you money
Illinois car insurance rates are based on many factors that control your annual premium. Simply having another birthday, moving to a new city, or getting a few speeding tickets can trigger rate changes that can now make some companies cheaper than competitors.
Not only that, but auto insurance companies modify rates at least once a year to adjust for gains or losses. A period of higher than normal claims can cause more expensive premiums, while lower claim levels may result in cheaper Chicago car insurance rates.
To help illustrate this point, the bar chart below shows which company has the cheapest car insurance in Chicago, IL for a 35-year-old female driver with a clear driving record, no claims, and good financial standing. If we look at prices based on her personal risk profile, The Hartford offers the best car insurance rates in Chicago at $1,222 a year. This is $127 less than the average price paid by Illinois drivers of $1,349. Rockford Mutual, Titan, Erie, and Cincinnati Insurance are the remainder of the top five cheapest Chicago, IL auto insurance companies.
The chart below compares rates after we give the driver from the first set of rates a chargeable accident, bad credit, and a few traffic violations. Since each auto insurer uses a different method for filing rates in each state, analyzing rate quotes may now show a different set of cheap Chicago auto insurance companies as shown below.
Travelers now has the best price in Chicago with Utica National, SECURA, State Farm, and Auto-Owners completing the list. This example demonstrates why it is so important to take the time to shop around when trying to find the lowest auto insurance rates for police officers. Insurance rates are determined by many factors and change substantially, so the lowest-price company a year ago may now be wasting a lot of money.
The insurance agencies below can provide answers to your questions and help you determine which policy fits your needs best, as lots of drivers aren't clear which coverage they need and would like to have the advice of a professional agent when comparing insurance rates for law enforcement personnel. It can be hard to find the best rates on your own, so agents can give satisfaction knowing you have decent coverage if you have a claim.
To find an agent in your neighborhood, click the button at the bottom of the list.
- Roni Siegel - State Farm Insurance Agent
860 N Clark St - Chicago, IL 60610 - (312) 751-0500 - Eagle Insurance Agency
3517 N Spaulding Ave - Chicago, IL 60618 - (773) 463-7576 - Lincoln Auto Insurance
855 W Washington Blvd - Chicago, IL 60607 - (312) 666-8800 - Great Northern Insurance Agency
5632 S Pulaski Rd - Chicago, IL 60629 - (773) 838-3900 - Mark Mackey - State Farm Insurance Agent
3338 W Foster Ave - Chicago, IL 60625 - (773) 604-4334