The words “affordable” and “insurance” probably shouldn’t be used together, especially when shopping around for the cheapest car insurance for police officers. Because of the high cost, let’s get started by showing you a few of the things that impact auto insurance prices, and find out if we can help you take the sting out of your next policy.
One of the many components that are looked at to help calculate the price you pay for insurance is where you live in Virginia Beach. Regions with larger populations or more claims tend to pay slightly more, whereas areas with less congestion have the benefit of cheaper car insurance.
The next table shows the most expensive areas in Virginia for police officers to purchase car insurance in. Virginia Beach makes the list at #14 with an annual rate of $938 for coverage, which is around $78 per month.
| Rank | City | Annual Premium |
|---|---|---|
| 1 | Burke | $1,057 |
| 2 | Alexandria | $1,047 |
| 3 | Lake Ridge | $1,032 |
| 4 | Centreville | $1,027 |
| 5 | McLean | $1,025 |
| 6 | Arlington | $1,003 |
| 7 | Dale City | $998 |
| 8 | Richmond | $985 |
| 9 | Portsmouth | $972 |
| 10 | Norfolk | $970 |
| 11 | Reston | $963 |
| 12 | Tuckahoe | $957 |
| 13 | Hampton | $943 |
| 14 | Virginia Beach | $938 |
| 15 | Chesapeake | $935 |
| 16 | Charlottesville | $922 |
| 17 | Danville | $922 |
| 18 | Newport News | $920 |
| 19 | Suffolk | $910 |
| 20 | Leesburg | $904 |
| 21 | Ashburn | $893 |
| 22 | Lynchburg | $843 |
| 23 | Roanoke | $823 |
| 24 | Blacksburg | $791 |
| 25 | Harrisonburg | $776 |
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Rate quotes are comparative as vehicle location can alter coverage rates considerably.
The car, truck, or SUV you are seeking coverage for is one of the biggest factors when comparing quotes for affordable car insurance for police officers. Vehicles with high performance features, poor safety ratings, or a high likelihood of having liability claims will cost quite a bit more to insure than more economical and safe models. The table below shows insurance prices for some of the most affordable automobiles to insure.
| Vehicle | Estimated Cost for Full Coverage |
|---|---|
| Ford Escape XLS 2WD | $1,133 |
| Hyundai Elantra GLS Touring Station Wagon | $1,305 |
| Volkswagen Jetta SE 2.5 Station Wagon | $1,327 |
| Chevrolet Silverado LS Regular Cab 2WD | $1,343 |
| Chevrolet Impala LT | $1,346 |
| GMC Sierra SLE Regular Cab 2WD | $1,352 |
| Dodge Grand Caravan SXT | $1,373 |
| Toyota Corolla XLE | $1,416 |
| Honda CR-V EX-L 4WD | $1,426 |
| Toyota Prius | $1,443 |
| Jeep Grand Cherokee Limited 2WD | $1,449 |
| Ford F-150 XL Crew Cab 2WD | $1,464 |
| Toyota Tacoma 4WD | $1,470 |
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Premium data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Virginia minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, multi-policy, and homeowner. Table data does not factor in vehicle location which can increase or decrease prices substantially.
Based upon these rates, we can expect models like the Ford Escape, Hyundai Elantra, Volkswagen Jetta, Chevrolet Silverado, and Chevrolet Impala will be a few of the most affordable vehicles to insure for law enforcement personnel.
Discounts on Virginia Beach car insurance
Insurance companies that offer cheap quotes for police officers may also provide price discounts that could lower prices by as much as 40% or more if you meet the requirements. Companies and some of the discounts are shown below.
- Progressive may offer discounts for online signing, multi-vehicle, multi-policy, homeowner, and continuous coverage.
- GEICO may have discounts that include defensive driver, multi-vehicle, good student, emergency military deployment, and five-year accident-free.
- State Farm offers discounts including driver’s education, student away at school, anti-theft, good student, and good driver.
- Esurance has discounts for paid-in-full, emergency road assistance, defensive driver, safety device, online quote, and renters.
- The Hartford may include discounts for good student, air bag, vehicle fuel type, bundle, and anti-theft.
The information below shows the difference between annual premium costs with and without discounts applied. The premium estimates are based on a male driver, no violations or accidents, Virginia state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows the average annual price with no discounts. The lower bar shows the rates with homeowner, marriage, multiple policy, passive restraint, safe-driver, and anti-theft discounts applied. When drivers take advantage of discounts, theamount saved on auto insurance for police officers is 28% or $408.
How accidents and violations affect rates
The common sense way to score the best auto insurance premiums for law enforcement personnel is to pay attention while driving and avoid accidents and traffic violations. The information below demonstrates how speeding tickets and at-fault collisions increase auto insurance costs for different age categories. The prices are based on a married male driver, comp and collision included, $1,000 deductibles, and no discounts are applied to the premium.
In the chart above, the average cost of a car insurance policy in Virginia per year with no violations or accidents is $1,228. Get two speeding tickets and the average cost hikes up to $1,686, an increase of $458 each year. Now add two accidents along with the two speeding tickets and the 12-month cost of auto insurance for police officers goes up to an average of $3,607. That’s an increase of $2,379, or $198 per month, just for not keeping your driving record clean!
Which auto insurance company is best in Virginia?
Buying coverage from the top car insurance company is hard considering how many choices there are in Virginia Beach. The rank data in the next section may help you decide which auto insurance companies you want to consider putting your business with.
The rankings below are only comprised of large, nationwide insurance companies, so smaller regional companies are not included in the list. To compare prices from these and other competitive companies, simply click here.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| Travelers | 93 | 98 | 99 | 88% | A++ | 95.1 |
| USAA | 83 | 99 | 100 | 91% | A++ | 94.1 |
| Mercury Insurance | 97 | 96 | 88 | 89% | A+ | 93.4 |
| AAA Insurance | 91 | 95 | 92 | 90% | A | 93.3 |
| Nationwide | 85 | 95 | 97 | 89% | A+ | 92.4 |
| Allstate | 77 | 100 | 97 | 88% | A+ | 90.7 |
| State Farm | 80 | 94 | 96 | 88% | A++ | 90.6 |
| The Hartford | 88 | 93 | 91 | 87% | A+ | 90.4 |
| Safeco Insurance | 91 | 95 | 85 | 88% | A | 90.2 |
| Progressive | 88 | 94 | 83 | 88% | A+ | 90.1 |
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Data Source: Insure.com Best Car Insurance Companies
A good deal can quickly turn bad
Virginia auto insurance rates are impacted by many things that will increase or decrease the price of your policy. Simply getting older, getting married, or getting a driving violation may cause policy rate changes resulting in some rates now being cheaper in comparison to the competition.
Also, insurance companies file new Virginia auto insurance rates every year or even multiple times each year to adjust for heavy claims or excess profits. Heavy losses can result in increased rates, while lower claims can produce cheaper Virginia Beach car insurance rates.
To help illustrate this point, the data below shows which companies have the cheapest car insurance in Virginia Beach, VA for a 40-year-old female driver with a clear driving record, no claims, and a good credit history. When comparing rates based on her personal risk profile, Travelers might quote the lowest car insurance rates in Virginia Beach at $814 per year. This is $344 less than the average policy premium paid by Virginia drivers of $1,158. USAA, Cincinnati Insurance, Penn National, and The Hartford are also on the list of the cheapest Virginia Beach, VA auto insurance companies.
Let’s now give the driver from above some claims, bad credit, and a speeding citation. Because each insurer has their own process for setting rates, comparing prices may result in a different set of the cheapest companies as shown below.
Auto-Owners now has the lowest price on auto insurance in Virginia Beach with Utica National, Virginia Farm Bureau, Donegal Mutual, and Nationwide also having competitive pricing. This example illustrates why it is so important to spend some time comparing rates when trying to find the most economical insurance rates for police officers.
Rates are calculated by many risk factors and can decrease or increase without notice, so the most affordable company the last time you shopped your coverage around may now be quite expensive.