The vehicle you are insuring is probably the most important factor that determines whether or not you find low-cost auto insurance for police officers. Vehicles with lots of horsepower, poor crash test ratings, or a history of substantial liability claims will cost more to insure than safer, lower-performance models.
The next list presents insurance costs for a selection of the most budget-friendly automobiles to insure in Texas.
|Make and Model||Estimated Cost for Full Coverage|
|Honda CR-V EX 2WD||$1,026|
|Hyundai Elantra GLS Touring Station Wagon||$1,031|
|Ford Escape XLT 2WD||$1,165|
|Chevrolet Malibu LT||$1,241|
|Dodge Grand Caravan CV||$1,259|
|Toyota Corolla S||$1,284|
|Ford Edge SEL 2WD||$1,307|
|Chevrolet Silverado 2500HD LTZ Crew Cab 4WD||$1,316|
|Chevrolet Impala LS||$1,307|
|Volkswagen Jetta 2.0T Station Wagon||$1,325|
|Toyota RAV4 Limited 4WD||$1,332|
|Chevrolet Equinox LT AWD||$1,338|
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Data based on single male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, homeowner, and claim-free. Price estimates do not factor in the specific area where the vehicle is garaged which can affect coverage prices noticeably.
Based on these rates, makes and models like the Honda CR-V, Hyundai Elantra, Ford Escape, and Chevrolet Malibu are most likely to be some of the most affordable vehicles to insure for law enforcement personnel.
One of the more important criteria that determine the amount you pay each year for auto insurance is where you live in San Antonio. Cities with larger populations or higher claim trends are more likely to have higher rates, whereas areas with lower crime rates and fewer weather claims profit from lower rates.
The following table rates the priciest cities in Texas for police officers to buy car insurance in. San Antonio is ranked #13 with the yearly price of $1,688 on average, which is about $141 each month.
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Table data uses comparative as the specific geographic location can lower or raise prices noticeably.
Finding budget car insurance is not easy, and figuring out which insurers offer the cheapest insurance rates for police officers will involve even more work. Each auto insurance company has their own unique process for determining rates in each state, so let’s take a look at the insurance companies that tend to have lower prices in San Antonio, TX.
It’s important to know that San Antonio, TX insurance rates are impacted by many things which can substantially decrease or increase the cost of having a policy. This price variation is why San Antonio drivers need to compare rates when trying to get the most budget-friendly auto insurance rates for police officers. Insurance rates can be altered by many risk factors and can increase or decrease at any time, so the most affordable company a year ago may now be quite expensive.
Best Auto Insurance Prices for Law Enforcement
|Rank||Company||Cost Per Year|
|3||Texas Farm Bureau||$1,199|
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Travelers generally has some of the lowest car insurance rates in San Antonio at around $1,021 annually. USAA, Texas Farm Bureau, Germania Mutual, and Esurance also qualify as some of the cheaper San Antonio, TX insurance companies.
As shown in the table above, if you buy coverage from Germania Mutual and switched to Travelers, you may see a yearly savings of in the neighborhood of $235. Customers with Esurance could save as much as $358 a year, and California Casualty customers might lower prices by $403 a year.
These policy prices are averaged for all drivers and vehicles and are not factoring in an exact zip code location for police officers. So the car insurance company that is best for you may not even be in the top 23 companies shown above. That is why you need to get quotes using your own individual information.
The information below illustrates how your choice of deductibles can raise or lower premium costs when quoting cheap insurance for police officers. The costs are based on a married male driver, full coverage, and no discounts are applied.
In the chart above, a 30-year-old driver could lower their policy premium by $396 a year by changing their physical damage coverage from a $100 deductible to a $500 deductible, or save $598 by choosing a $1,000 deductible. Young drivers, like the Age 20 chart data, could possibly save $1,206 or even more by choosing a higher deductible. When insureds make the decision to increase the deductibles on their policy, it will be necessary to have additional savings on hand to be able to pay the extra out-of-pocket expense associated with higher deductibles.
Ending up with the right car insurance company is hard considering how many companies are available to choose from in Texas. The company ratings in the next section can help you decide which providers you want to consider when insurance shopping for police officers.
The rankings below include companies that write coverage in many states, so companies without a large exposure are not included in this list. To compare rates from these companies and more, simply click here.
Top 10 Large Car Insurance Companies in San Antonio Ranked by Value
- Mercury Insurance
- American Family
- AAA Insurance
- Safeco Insurance
- The Hartford
- The General
- 21st Century
Top 10 Large Car Insurance Companies in San Antonio Ranked by Claims Service
- State Farm
- Liberty Mutual
- American Family
- Titan Insurance
- AAA Insurance
Impact of citations and accidents on San Antonio insurance rates
The obvious way to snag low insurance prices in San Antonio for law enforcement personnel is to drive carefully and avoid at-fault accidents and violations. The example below shows how traffic citations and accidents raise insurance rates for different age groups. The rates are based on a married male driver, full coverage, $1,000 deductibles, and no policy discounts are applied.
The data in the chart shows the average cost of an auto insurance policy in Texas per year with no accidents or violations is $1,807. Receive two speeding tickets and the average cost increases to $2,482, an increase of $676 each year. Then add two accidents along with the two speeding tickets and the yearly cost of insurance for police officers increases to an average of $5,328. That’s an increase of $3,521, or $293 per month, just for not paying attention while driving!
Tips to find budget-friendly car insurance for police officers
Here are some thrifty ideas that can help you find low-cost auto insurance.
- Earn a discount by not filing claims
- Having at-fault accidents will increase rates
- Safer vehicles generally have cheaper insurance rates
- Remove physical damage coverage on older vehicles
- Buying home and auto together can help save money
- Do not get traffic citations
- Compare rate quotes often
The last tip is certainly significant, as was pointed out in the article above. Prices charged by auto insurers in San Antonio can change considerably based on profitability, so drivers shouldn’t hesitate to switch to a new company if a lower-cost policy is available.
Sticking with a specific company is fine, but it’s not a great idea if that loyalty results in overpaying a fortune every year. It only take a few minutes to shop around and find cheaper insurance for police officers.
If you prefer to get some help when shopping for the best coverage for police officers, the agents shown below can probably help you decide which coverage meets your needs best.
To locate an agency in your neighborhood, click the button below the list.
Mesquite Insurance Agency
501 W Quincy St – San Antonio, TX 78212 – (210) 472-3034
Donna Vaughn – State Farm Insurance Agent
6722 S Flores St – San Antonio, TX 78221 – (210) 922-8787
Roger Haynes – State Farm Insurance Agent
13909 Nacogdoches Rd #103 – San Antonio, TX 78217 – (210) 656-4082
Mary Ellen Jablonski – State Farm Insurance Agent
2606 TPC Pkwy #107 – San Antonio, TX 78259 – (210) 829-1778
Lisa Ybarbo – State Farm Insurance Agent
803 Castroville Rd #128 – San Antonio, TX 78237 – (210) 434-2711