What Insurance is Cheapest for Police Officers in Tampa?

You have probably seen the ads from auto insurance companies like Allstate, Progressive, and The General promising dirt cheap rates. So you should just select the one with the best jingle, right?

It’s just not that simple, as there are many unknowns such as your date of birth, if you are currently insured, if you are a homeowner or renter, and if you have any driving citations. This article will discuss the best ways to avoid high prices and also should give you some help in finding cheaper rates.

The car, truck, or SUV driven is one of the biggest factors when comparing the cheapest car insurance for police officers. Vehicles with economical engines, advanced safety features, or a low likelihood of having liability claims will cost significantly less to insure than fast, unsafe models.

The information below presents insurance rates for the most economical automobiles to buy insurance for.

Cheapest Vehicles to Insure in Tampa, FL
Make and Model Estimated Cost for Full Coverage
Ford Escape Limited 2WD $1,945
Honda Accord EX-L 4-Dr Sedan $2,066
Honda CR-V EX 2WD $2,082
Volkswagen Jetta 2.0T Station Wagon $2,228
Chevrolet Impala LT $2,250
Chevrolet Equinox LT 2WD $2,259
Hyundai Elantra GLS 4-Dr Sedan $2,371
Ford Edge Sport AWD $2,378
Toyota Prius $2,377
Jeep Grand Cherokee Limited 2WD $2,411
Jeep Wrangler Rubicon 4WD 2-Dr $2,417
Toyota Tacoma 2WD $2,424
Ford F-350 XLT Super Cab 2WD $2,455
Toyota RAV4 Limited 4WD $2,464
Ford Explorer Limited 4WD $2,514
Ford F-150 SVT Raptor Super Cab 4WD $2,522
Nissan Rogue SL AWD $2,535
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Table data assumes 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, homeowner, multi-vehicle, claim-free, and safe-driver. Rates do not factor in zip code location which can revise premium rates substantially.

Looking at the data, we can expect vehicles like the Ford Escape, Honda Accord, and Honda CR-V will definitely be some of the most budget-friendly vehicles to insure for law enforcement personnel.

One of the more important factors that help determine the price you pay for insurance is where you choose to live. Cities with more crime and/or more people likely pay more, whereas areas with lower vehicle theft rates and fewer weather claims benefit from lower rates.

The following table rates the priciest cities in Florida for police officers to purchase car insurance in. Tampa is listed at #8 costing $2,610 for the average insurance policy, which is approximately $218 per month.

How much is car insurance in Tampa?
Rank City Average Per Year
1 Hialeah $3,523
2 Miami Gardens $3,181
3 Miami $3,145
4 Miami Beach $3,013
5 Miramar $2,683
6 West Palm Beach $2,679
7 Hollywood $2,630
8 Tampa $2,610
9 Pompano Beach $2,543
10 Coral Springs $2,499
11 Fort Lauderdale $2,475
12 Davie $2,473
13 Pembroke Pines $2,431
14 Brandon $2,322
15 St. Petersburg $2,263
16 Clearwater $2,194
17 Spring Hill $2,102
18 Jacksonville $2,040
19 Orlando $2,029
20 Port St. Lucie $1,975
21 Lakeland $1,901
22 Cape Coral $1,860
23 Tallahassee $1,801
24 Palm Bay $1,786
25 Gainesville $1,646
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Table data uses comparative as vehicle location can alter coverage rates greatly.

The illustration below highlights how deductible selection can impact insurance prices when getting quotes for cheap insurance for police officers. The data assumes a married male driver, comp and collision included, and no other discounts are factored in.

A 50-year-old driver could lower their policy premium by $292 a year by increasing from a $100 deductible to a $500 deductible, or save $440 by switching to a $1,000 deductible. Youthful drivers, like the Age 20 category, could possibly save up to $966 each year by choosing a higher deductible.

When raising deductibles, it will be necessary to have additional funds squirreled away to cover the extra out-of-pocket expense, which is the one shortcoming of high deductibles.

Get discount Tampa car insurance rates

Cheaper Tampa, FL car insurance for law enforcement personnelAuto insurance companies that provide coverage for police officers could also offer price discounts that could lower prices by 35% or more if you meet certain criteria. A list of companies and a partial list of their discounts are included below.

The diagram below visualizes the comparison of yearly insurance costs with and without some available policy discounts. The premiums assume a male driver, no violations or accidents, Florida state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows the average rate with no discounts. The second shows the rates with passive restraint, multiple vehicle, anti-theft, vehicle safety, claim-free, and multiple policy discounts applied. When drivers take advantage of discounts, theaverage amount saved on car insurance for police officers is 28% or $655.

How to find the cheapest auto insurance for police officers

The list below details some money-saving solutions that can help drivers find low-cost coverage.

The last item on the list is incredibly significant, as was noted in this write-up. Insurance prices in Tampa change frequently, so you should be ready to switch companies if you can save money. Loyalty to a specific company is fine, but it’s not a good idea if that inflexibility results in costing you several hundred dollars every year. It takes less than five minutes to compare rates and find cheaper insurance for police officers.