The car, truck, or SUV you are seeking coverage for is probably the most important factor in finding low-priced auto insurance for police officers. Vehicles with lots of horsepower, a lack of advanced safety features, or high incidents of liability claims will cost quite a bit more to insure than more economical and safe models. The table below ranks insurance premiums for the cheaper automobiles to buy coverage for.
| Insured Vehicle | Estimated Cost for Full Coverage |
|---|---|
| Hyundai Elantra GLS Touring Station Wagon | $2,478 |
| Dodge Grand Caravan SE | $2,774 |
| Ford Escape Limited 2WD | $2,903 |
| Honda Odyssey EX-L W/Navigation | $3,078 |
| Honda CR-V EX 4WD | $3,103 |
| Volkswagen Jetta 2.0T 4-Dr Sedan | $3,135 |
| Jeep Wrangler Rubicon 4WD 2-Dr | $3,182 |
| Honda Civic SI 4-Dr Sedan | $3,232 |
| Ford Focus SES 2-Dr Coupe | $3,292 |
| GMC Sierra SLT Crew Cab 4WD | $3,346 |
| Toyota Camry Hybrid | $3,349 |
| Chevrolet Silverado LS Regular Cab 2WD | $3,360 |
| Toyota Prius | $3,367 |
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Table data represents single female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Nevada minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, multi-vehicle, and safe-driver. Premium costs do not factor in Las Vegas, NV location which can modify coverage rates significantly.
Based on these rates, we can expect models like the Hyundai Elantra, Dodge Grand Caravan, Ford Escape, and Honda Odyssey will definitely be some of the more affordable vehicles to insure for law enforcement personnel.
Comparing rates for affordable car insurance is not always easy, and deciding which company offers the best car insurance rates for police officers involves even more diligence. Each insurance company uses slightly different criteria for filing rates in each state, so we’ll go over the car insurance companies with the overall cheapest rates in Nevada.
Lowest Insurance Price Quotes for Law Enforcement
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Allied | $921 |
| 2 | Travelers | $939 |
| 3 | Capital | $1,008 |
| 4 | Oregon Mutual | $1,182 |
| 5 | Progressive | $1,190 |
| 6 | American Family | $1,218 |
| 7 | GEICO | $1,269 |
| 8 | Safeco | $1,320 |
| 9 | Nationwide | $1,321 |
| 10 | USAA | $1,336 |
| 11 | Farmers | $1,452 |
| 12 | MetLife | $1,567 |
| 13 | Country | $1,668 |
| 14 | State Farm | $1,732 |
| 15 | Mercury | $1,825 |
| 16 | Victoria | $2,031 |
| 17 | Liberty Mutual | $2,227 |
| 18 | Allstate | $2,314 |
| 19 | Bristol West | $2,336 |
| 20 | Encompass | $2,710 |
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Allied quotes some of the lowest car insurance rates in Las Vegas at around $921 each year. Travelers, Capital, Oregon Mutual, and Progressive also are some of the best Las Vegas, NV insurance companies.
As shown in the rates above, if you are a customer of Travelers and switched to Allied, you might achieve yearly savings of in the neighborhood of $18. Nevada drivers with Capital might save as much as $87 a year, and Oregon Mutual insureds might see rate reductions of $261 a year.
To see how much you can save, click here to begin a quote or visit several of the following companies.
These prices are averaged for all drivers and vehicles in Nevada and do not factor in an exact zip code location for police officers. So the insurer that fits your situation best may not even be in the list above. That point stresses why you need to quote rates from many companies using your own specific driver information and vehicle.
Discount Las Vegas insurance
Auto insurance companies that offer quotes for police officers may also offer policy discounts that could lower prices by as much as 35% if you meet specific eligibility requirements. A list of companies and a selection of discounts are outlined below.
- Mercury Insurance discounts include location of vehicle, good student, ease of repair, age of vehicle, professional/association, and type of vehicle.
- Farmers Insurance may have discounts that include homeowner, business and professional, youthful driver, switch companies, and pay in full.
- Farm Bureau offers discounts for youthful driver, 55 and retired, multi-vehicle, driver training, and safe driver.
- State Farm has discounts for multiple policy, defensive driving training, good student, driver’s education, multiple autos, Drive Safe & Save, and accident-free.
- Allstate includes discounts for auto/life discount, eSmart discount, new car, farm vehicle, and good student.
- GEICO offers discounts including driver training, anti-lock brakes, seat belt use, daytime running lights, good student, and air bags.
The illustration below shows the comparison of annual premium costs with and without discounts applied to the policy rates. Data assumes a female driver, no driving violations, no at-fault accidents, Nevada state minimum liability limits, full coverage, and $250 deductibles.
The first bar for each age group shows the price with no discounts. The second bar shows the rates with multiple policy, claim-free, anti-theft, safe-driver, marriage, and passive restraint discounts applied. When taking advantage of discounts, the average savings per year on car insurance for police officers is 27% or $424.
Las Vegas car insurance company ratings
Finding a highly-rated auto insurance company is difficult considering how many different companies there are to choose from in Nevada. The company information below may help you select which car insurance companies you want to consider when shopping insurance around for police officers.
These ratings are only comprised of large nationwide companies, so companies that may only write in Nevada are not taken into consideration for this list. To view rates from the insurers below and more, follow this link.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 98 | 100 | 100 | 94% | A++ | 98.6 |
| American Family | 98 | 89 | 100 | 86% | A | 95.4 |
| State Farm | 88 | 93 | 96 | 90% | A++ | 92.4 |
| The Hartford | 94 | 92 | 90 | 89% | A+ | 91.7 |
| AAA Insurance | 88 | 89 | 95 | 91% | A | 91.2 |
| GEICO | 84 | 93 | 93 | 89% | A++ | 90.3 |
| The General | 89 | 91 | 89 | 88% | A- | 90 |
| Titan Insurance | 90 | 87 | 91 | 95% | A+ | 89.6 |
| Progressive | 84 | 91 | 93 | 87% | A+ | 89.5 |
| Mercury Insurance | 88 | 91 | 90 | 85% | A+ | 89.4 |
| Allstate | 85 | 90 | 92 | 88% | A+ | 89.3 |
| Nationwide | 87 | 88 | 84 | 90% | A+ | 88.7 |
| Liberty Mutual | 84 | 87 | 93 | 88% | A | 88.5 |
| 21st Century | 85 | 86 | 87 | 88% | A | 86.7 |
| Esurance | 85 | 80 | 95 | 87% | A+ | 85.9 |
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Data Source: Insure.com Best Car Insurance Companies
Responsible drivers pay cheaper Las Vegas car insurance rates
A great way to snag good car insurance premiums in Las Vegas for law enforcement personnel is to be an attentive driver and avoid accidents and violations. The diagram below illustrates how traffic citations and accident claims increase insurance costs for different age groups of insureds. The rates are based on a single female driver, full coverage, $250 deductibles, and no discounts are applied.
In the previous example, the average cost of car insurance in Las Vegas per year with no accidents and a clean driving record is $1,699. Get one speeding ticket and the average cost swells to $1,922, an increase of $223 each year. Then throw in one accident along with the one speeding ticket and the 12-month cost of car insurance for police officers jumps again to an average of $2,558. That’s an increase of $859, or $72 per month, just for not being attentive to the road!