The make and model of vehicle you are seeking coverage for is a large factor when trying to find the lowest-priced coverage for police officers. Vehicles with higher performance characteristics, poor safety features, or a high likelihood of having liability claims will cost substantially more to insure than safer, lower-performance models. The next table features insurance costs for a handful of the most economical automobiles to insure in Florida.
| Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Ford Escape Limited 2WD | $1,077 |
| Hyundai Elantra SE Touring Station Wagon | $1,144 |
| Ford F-150 STX Regular Cab 4WD | $1,176 |
| Honda CR-V EX-L 2WD | $1,185 |
| Toyota Tacoma 4WD | $1,176 |
| Honda Accord LX 4-Dr Sedan | $1,188 |
| Toyota Camry LE | $1,243 |
| Volkswagen Jetta S 4-Dr Sedan | $1,249 |
| Dodge Grand Caravan SXT | $1,267 |
| Toyota Corolla LE | $1,311 |
| Honda Odyssey EX-L | $1,320 |
| Chevrolet Impala LTZ | $1,311 |
| Toyota Prius | $1,315 |
| GMC Sierra SLE Regular Cab 4WD | $1,334 |
| Nissan Rogue S 2WD | $1,336 |
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Data rating is based on single male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Florida minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, safe-driver, and homeowner. Table data does not factor in your specific Jacksonville, FL location which can impact insurance rates greatly.
Looking at the numbers, we can expect makes and models like the Ford Escape, Hyundai Elantra, Ford F-150, and Honda CR-V are going to be the cheapest vehicles to insure for law enforcement personnel.
For law enforcement personnel, one of the largest things that determine insurance cost is where you choose to live. Areas with more people or higher crime rates will most likely pay more, whereas areas with less congestion have the luxury of cheap car insurance rates.
The table below shows the highest-priced areas in Florida for police officers in which to buy car insurance. Jacksonville comes in at #18 with a yearly premium of $2,040 for the average policyholder, which is approximately $170 per month.
| Rank | City | Annual Premium |
|---|---|---|
| 1 | Hialeah | $3,488 |
| 2 | Miami | $3,273 |
| 3 | Miami Gardens | $3,245 |
| 4 | Miami Beach | $2,953 |
| 5 | West Palm Beach | $2,679 |
| 6 | Miramar | $2,629 |
| 7 | Pompano Beach | $2,620 |
| 8 | Hollywood | $2,604 |
| 9 | Fort Lauderdale | $2,576 |
| 10 | Coral Springs | $2,549 |
| 11 | Tampa | $2,532 |
| 12 | Davie | $2,473 |
| 13 | Pembroke Pines | $2,431 |
| 14 | Brandon | $2,298 |
| 15 | St. Petersburg | $2,286 |
| 16 | Clearwater | $2,238 |
| 17 | Orlando | $2,069 |
| 18 | Jacksonville | $2,040 |
| 19 | Spring Hill | $2,039 |
| 20 | Port St. Lucie | $1,994 |
| 21 | Lakeland | $1,901 |
| 22 | Cape Coral | $1,860 |
| 23 | Palm Bay | $1,803 |
| 24 | Tallahassee | $1,748 |
| 25 | Gainesville | $1,680 |
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Annual rates are comparative as specific Jacksonville zip code can decrease or increase auto insurance rates significantly.
The illustration below highlights how deductible choice can affect insurance premiums when trying to find cheap insurance for police officers. The information is based on a married male driver, full physical damage coverage, and no discounts are applied to the premium.
As shown above, a 40-year-old driver could save $394 a year by increasing from a $100 deductible up to a $500 deductible, or save $590 by choosing a $1,000 deductible. Young drivers, like the age 20 example, can cut as much as $1,320 each year just by choosing higher deductibles. When insureds make the decision to increase the deductibles on their policy, it is important to have plenty of money set aside to be able to pay the extra out-of-pocket expense, which is the main inconvenience of larger deductibles.
Bad driving habits will cost you more
The easiest way to earn the cheapest car insurance prices in Florida for law enforcement personnel is to drive safe and not receive tickets or have accidents. The illustration below illustrates how traffic citations and accident claims influence insurance costs for different categories of driver ages. The price estimates are based on a single female driver, comp and collision included, $1,000 deductibles, and no discounts are taken into consideration.
The data above shows the average cost of a car insurance policy per year with a clean driving record and no accidents is $1,669. Get written up for two speeding tickets and the average cost increases to $2,222, an increase of $553 each year. Now include two accidents along with the two speeding tickets and the 12-month cost of car insurance for police officers increases to an average of $4,535. That’s an increase of $2,866, or $239 per month, just for not driving attentively!
Comparison of full coverage and liability-only policies
Paying a lower price for car insurance is the goal of the majority of drivers, and an effective way to save on the cost of insurance for police officers is to not buy full coverage. The diagram below illustrates the comparison of insurance costs with full physical damage coverage compared to only buying liability only. The premium estimates are based on no claims, a clean driving record, $1,000 deductibles, single status, and no other discounts are factored in.
Averaged for all age groups, full coverage costs $2,330 per year over liability only. That is a large expense which might make you wonder if full coverage is worth the money. There is no definitive guideline to stop buying physical damage coverage, but there is a general convention. If the annual cost of coverage is more than 10% of the replacement cost of your vehicle minus the policy deductible, then it might be time to buy liability only.
For example, let’s assume your vehicle’s replacement value is $6,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, the most your company will settle for is $5,000 after the deductible is paid. If it’s costing you more than $500 annually for your policy with full coverage, then you might want to think about dropping full coverage.
The benefits of price comparisons
Jacksonville car insurance rates are calculated based on many things that will increase or decrease the cost of your policy. Simply getting older, moving to a new city, or getting a ticket for running a stop sign can produce rate changes that can cause some rates to be cheaper than before.
Not only may your situation change, but auto insurance companies file new Florida car insurance rates as often as every quarter to help ensure profitability. Heavy losses can cause more expensive prices, while a better loss history may result in more affordable Jacksonville car insurance rates.
As an example, the data below shows the company with the cheapest car insurance in Jacksonville, FL for a 30-year-old female driver with a clean driving record, no accidents, and a decent credit rating. When quoting prices based on her current rating profile, USAA may offer the most affordable car insurance rates in Jacksonville at $1,129 a year. This is $1,319 less than the average policy premium paid by Florida drivers of $2,448. Electric, Amica, Progressive, and Travelers are the rest of the top five cheapest Jacksonville, FL auto insurance companies.
In this example, we will give the driver from the first example an accident surcharge, poor credit, and a stop sign violation. Since each company has a proprietary formula for determining prices, comparing rates may result in a different set of companies as shown below.
USAA now has the best price on car insurance in Jacksonville, FL with Mercury, Auto-Owners, GEICO, and Esurance completing the list. This example demonstrates why it is so important to compare as many rates as possible to get the best insurance rates for police officers. Prices are calculated by many things and change substantially, so the cheapest company the last time you shopped around may now not even be in the top five.