How Much is Auto Insurance for Police Officers in Florida?

For law enforcement personnel, one of the more important things that is used by insurance companies to calculate the price of your policy is where your car is garaged in Florida. Cities with larger populations like Hialeah, Miami, and Miramar tend to pay more, whereas more rural areas can boast about having cheaper rates.

The following table rates the priciest cities in Florida for police officers to purchase auto insurance in.

Rates are approximated as the specific geographic location can increase or decrease coverage prices greatly.

Cost and performance of the vehicle driven is probably the biggest factor that determines if you can find the cheapest insurance for police officers. Vehicles with higher performance characteristics, poor safety features, or high incidents of liability claims will cost substantially more to insure than more modest models. The information below shows coverage rates for a selection of the most cost-effective automobiles to insure in Florida.

Data variables include married male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Florida minimum liability limits. Discounts applied include safe-driver, multi-vehicle, multi-policy, claim-free, and homeowner. Prices do not factor in vehicle location which can change premiums considerably.

Cost estimates assume married male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Florida minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, multi-policy, and safe-driver. Rates do not factor in specific Florida garaging location which can influence insurance rates substantially.

Table data represents married male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Florida minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, claim-free, and multi-policy. Rate information does not factor in specific garaging location which can increase or decrease premiums greatly.

Trying to find budget auto insurance is tough enough, and deciding which companies offer the most affordable car insurance rates for police officers may require even more diligence. Insurance rates could be moderately lower than the average policy in Florida attributed to the decrease in risk that goes along with offering coverage for law enforcement personnel. Affordable coverage should be easy to find from many insurers.
Each auto insurance company uses different criteria to determine premium rates, so let’s begin by taking a look at the car insurance companies with the most affordable rates in Florida.

Keep in mind that Florida car insurance rates are calculated based on many things that may substantially change the cost of coverage. Improving your financial situation, buying a newer car, or getting a ticket for careless driving can trigger price changes that may make certain companies affordable when they were higher priced.

Cheap Insurance Rates for Law Enforcement

Compare Rates and Save

USAA quotes some of the lowest car insurance rates in Florida at around $977 a year. Electric, Amica, Progressive, and Travelers also are some of the cheapest Florida car insurance companies.

In the above rates, if you are currently insured with Travelers and switched to Electric, you might see a yearly price reduction of around $162. Florida drivers with Mercury could save as much as $209 a year, and Allied policyholders might realize rate reductions of up to $221 a year.

To see if you’re overpaying, click here or feel free to get quotes from the companies below.

These prices are averages for all types of insureds and vehicles and and are not figured with a price discount for police officers. So the auto insurance company that can offer you the best rate may not even be in the above rate chart. That illustrates why you need to compare rates from as many companies as possible using your own driver and vehicle profiles.

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

If you’re looking for the cheapest car insurance for law enforcement personnel in Florida, the most popular companies are Progressive, Geico, State Farm, and Allstate. When combined, they insure about 50% of the car insurance market in the United States. They all offer your standard coverages, but each one has unique coverages that you can select from. The data below illustrates some of the ratings and options you can buy with each company.