Cheap Auto Insurance for Police Officers in Maryland

Wouldn’t it be awesome if we could just give you the name of the single company that has the cheapest rates for police officers? It’s not quite that easy, unfortunately, as there are many unknown elements such as if you are requesting full coverage, your prior traffic citations, if you have ever had a gap in coverage, and if you own or rent your home, that all influence how much you pay for auto insurance. We will touch on the best ways to compare rates and educate you enough to have a good start in finding the cheapest insurance.

One of the many criteria that auto insurance companies use to determine car insurance rates is the neighborhood you call home in Maryland. Regions with larger populations or more claims like Baltimore, Dundalk, and Aspen Hill will most likely pay more, whereas more rural areas benefit from lower coverage costs.

The following table sorts the most expensive areas in Maryland for police officers to purchase auto insurance in.

Information shown are comparative as zip code location can change premium rates considerably.

The car, truck, or SUV you are insuring is probably the largest consideration when comparison shopping for low-cost 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 estimates car insurance prices for a selection of the more afforable automobiles to insure.

Premium data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Maryland minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, multi-policy, and safe-driver. Prices do not factor in vehicle garaging location which can lower or raise prices considerably.

Based upon these rates, cars like the Kia Forte, Ford F-150, and Chevrolet Traverse are most likely going to be some of the most economical vehicles to insure for law enforcement personnel.

Discounts on cheap auto insurance for police officers in Maryland

Insurance companies that offer coverage for police officers may also offer price discounts that could lower prices by as much as 30% if you qualify. A list of companies and some of the discounts can be found below.

• State Farm includes discounts for accident-free, Drive Safe & Save, multiple autos, passive restraint, driver’s education, student away at school, and good student.
• Progressive may have discounts that include multi-vehicle, good student, homeowner, online signing, continuous coverage, online quote discount, and multi-policy.
• Travelers may include discounts for good student, continuous insurance, student away at school, save driver, multi-car, home ownership, and driver training.
• American Family has discounts for multi-vehicle, good driver, early bird, TimeAway discount, good student, air bags, and Steer into Savings.
• Liberty Mutual offers premium reductions for newly married, new move discount, multi-car, newly retired, new vehicle discount, teen driver discount, and hybrid vehicle.

The illustration below shows the difference between annual premium costs with and without discounts applied to the policy rates. The rates are based on a male driver, a clean driving record, no at-fault accidents, Maryland state minimum liability limits, comprehensive and collision coverage, and $100 deductibles.

The first bar for each age group shows premium with no discounts. The second bar shows the rates with accident-free, vehicle safety, defensive driving course, homeowner, claim-free, and passive restraint discounts applied. When drivers take advantage of discounts, the average savings per year on insurance for police officers is 28% or $642.

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Allstate, Geico, State Farm, or Progressive: Who is best?

If you’re looking for the cheapest auto insurance for law enforcement personnel, the four most popular companies are Allstate, Geico, State Farm, and Progressive. All offer liability and physical damage insurance, but each one has unique coverages that can influence your buying decision. The data below ranks ratings for price, service, and claims, in additional to some of the optional coverages shoppers can expect to find with each one.