The words “economical” and “insurance” really should not be used together, in particular when comparison shopping for the cheapest coverage for police officers. In an attempt to save some money, let’s start off by going over a few of the factors that have a considerable impact on insurance premiums, and see how we can help you cut the cost of your next policy.
For law enforcement personnel, one of the big criteria that are looked at to help calculate the amount you pay for auto insurance is where you normally keep your vehicle in Buffalo. Regions with larger populations or more claims tend to pay slightly more, whereas areas with less congestion have the enjoyment of a little cheaper coverage.
The illustration below shows the highest-priced areas in New York for police officers to buy car insurance in. Buffalo shows up at #13 with an annual cost of $1,533 for the average policy, which is approximately $128 per month.
| Rank | City | Annual Rate |
|---|---|---|
| 1 | New York | $2,708 |
| 2 | Freeport | $2,281 |
| 3 | Hempstead | $2,233 |
| 4 | Levittown | $1,981 |
| 5 | Mount Vernon | $1,919 |
| 6 | West Babylon | $1,913 |
| 7 | Hicksville | $1,900 |
| 8 | Yonkers | $1,900 |
| 9 | Brentwood | $1,853 |
| 10 | Coram | $1,714 |
| 11 | New Rochelle | $1,659 |
| 12 | White Plains | $1,629 |
| 13 | Buffalo | $1,533 |
| 14 | Cheektowaga | $1,253 |
| 15 | West Seneca | $1,237 |
| 16 | Tonawanda | $1,201 |
| 17 | Niagara Falls | $1,189 |
| 18 | Utica | $1,103 |
| 19 | Syracuse | $1,097 |
| 20 | Troy | $1,085 |
| 21 | Albany | $1,067 |
| 22 | Rochester | $1,036 |
| 23 | Schenectady | $1,020 |
| 24 | Irondequoit | $991 |
| 25 | Binghamton | $940 |
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Price information shown is comparative as the vehicle garaging location can lower or raise rates substantially.
Determining which companies quote the cheapest car insurance rates for police officers will require a tad more effort than just comparing a company or two. Each insurance company uses a different method for determining rates, so we’ll go over the car insurance companies that tend to be cheaper in Buffalo.
It’s a good idea to know that Buffalo, NY car insurance rates are determined by lots of factors that control the cost of your policy. Turning one year older, moving across town, or getting caught speeding may generate price changes that may make certain companies cheaper in comparison to the competition.
Best Auto Insurance Prices for Law Enforcement
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,199 |
| 2 | Erie | $1,242 |
| 3 | Utica National | $1,549 |
| 4 | Progressive | $1,558 |
| 5 | Travelers | $1,559 |
| 6 | Allstate | $1,588 |
| 7 | Amica | $1,596 |
| 8 | MetLife | $1,620 |
| 9 | Preferred Mutual | $1,703 |
| 10 | GEICO | $1,850 |
| 11 | New York Central Mutual | $1,892 |
| 12 | State Farm | $1,904 |
| 13 | Safeco | $1,946 |
| 14 | Central Mutual | $1,968 |
| 15 | Liberty Mutual | $2,026 |
| 16 | Hanover | $2,369 |
| 17 | Encompass | $2,610 |
| 18 | Nationwide | $3,178 |
| 19 | Mercury | $3,809 |
| 20 | 21st Century | $4,281 |
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USAA offers some of the cheapest car insurance rates in Buffalo at around $1,199 per year. Erie, Utica National, Progressive, and Travelers also are some of the cheapest Buffalo, NY car insurance companies.
As the rates illustrate above, if you currently buy coverage from Erie and switched to USAA, you might realize a yearly price reduction of in the vicinity of $43. Drivers with Utica National may save as much as $350 a year, and Progressive customers might realize rate reductions of up to $359 a year.
To see if your current coverage is too expensive, click here or feel free to get quotes from the companies below.
Remember that these policy rates are averaged across all drivers and vehicles and are not factoring in an exact vehicle garaging location for police officers. So the auto insurance company that can offer the best rates for your situation may not even be in the top 20 companies shown above. That underscores the importance of why you need to quote rates from as many companies as possible using your own personalized driver profile and vehicle information.
The type of vehicle you are insuring is probably the biggest factor that determines if you can find low-cost auto insurance for police officers. Vehicles with economical engines, advanced safety features, or a low likelihood of liability claims will cost quite a bit less to insure than adrenaline junky models. The information below shows car insurance costs for a number of the more affordable vehicles to insure in New York.
| Make, Model, and Trim Level | Estimated Cost for Full Coverage |
|---|---|
| Honda Accord LX-P 4-Dr Sedan | $2,113 |
| Toyota Camry LE | $2,492 |
| GMC Sierra SL Extended Cab 2WD | $2,499 |
| Jeep Wrangler Unlimited Sport Islander Package 4WD 4-Dr | $2,581 |
| Honda CR-V LX 2WD | $2,587 |
| Ford Escape XLS 2WD | $2,594 |
| Jeep Grand Cherokee SRT-8 4WD | $2,670 |
| GMC Sierra 2500HD SLE Extended Cab 4WD | $2,679 |
| Ford Fusion Sport 4-Dr Sedan | $2,670 |
| Ford F-150 STX Regular Cab 4WD | $2,706 |
| Toyota Tacoma 4WD | $2,715 |
| Dodge Ram Crew Cab ST 2WD | $2,726 |
| Hyundai Sonata SE 4-Dr Sedan | $2,805 |
| Ford Focus SE 4-Dr Sedan | $2,813 |
| Honda Odyssey LX | $2,835 |
| Chevrolet Malibu Hybrid | $2,858 |
| Toyota Prius | $2,874 |
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Table data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and New York minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, multi-policy, and safe-driver. Price estimates do not factor in Buffalo, NY location which can impact insurance rates substantially.
By looking at the data, you can figure that cars like the Honda Accord, Toyota Camry, GMC Sierra, and Jeep Wrangler are the cheaper vehicles to insure for law enforcement personnel.
The illustration below highlights how deductible selection can influence yearly insurance costs when researching cheap insurance for police officers. The information is based on a single male driver, full coverage, and no discounts are applied to the premium.
As shown above, a 40-year-old driver could lower their policy premium by $260 a year by switching their comprehensive and collision coverages from a $100 deductible to a $500 deductible, or save $392 by choosing a $1,000 deductible. Younger drivers, like the age 20 example, could reduce their rates $858 each year by choosing larger deductibles on their policy. When raising deductibles, it will now be necessary to have enough savings to enable you to pay the extra out-of-pocket expense, which is the one disadvantage of using larger deductibles.
Get discounts on Buffalo insurance rates
Auto insurance companies that offer coverage for police officers may also offer special discounts that can reduce rates by as much as 35% or more if you qualify. Larger car insurance companies and some of the premium reductions they offer are shown below.
- State Farm offers discounts for multiple policy, driver’s education, safe vehicle, Steer Clear safe driver discount, good driver, good student, and anti-theft.
- Progressive includes discounts for homeowner, continuous coverage, multi-vehicle, multi-policy, and good student.
- Travelers policyholders can earn discounts including multi-car, save driver, multi-policy, hybrid/electric vehicle, continuous insurance, good student, and IntelliDrive.
- American Family may have discounts that include defensive driver, mySafetyValet, accident-free, good driver, Steer into Savings, bundled insurance, and multi-vehicle.
- Liberty Mutual discounts include teen driver discount, hybrid vehicle, good student, multi-policy, multi-car, new vehicle discount, and newly married.
The chart below compares insurance premiums with and without discounts being applied to the rates. The premiums are based on a male driver, no driving violations, no at-fault accidents, New York state minimum liability limits, full coverage, and $500 deductibles.
The first bar for each age group shows insurance cost with no discounts. The second bar shows the rates with multiple policy, anti-theft, claim-free, accident-free, multiple vehicle, and marriage discounts applied. When drivers qualify for the discounts, the average savings per year on car insurance for police officers is 28% or $345.
Ratings for Buffalo car insurance companies
Buying coverage from a high-quality auto insurance company can be a challenge considering how many different companies sell coverage in Buffalo. The rank data shown below may help you decide which coverage providers you want to consider purchasing a policy from. The rankings below are for large insurance companies, so companies that only write business in New York or surrounding areas are not taken into consideration for these rankings.
Top 10 Major Auto Insurers Overall in Buffalo
- The General
- Mercury Insurance
- The Hartford
- Progressive
- Travelers
- State Farm
- Farmers Insurance
- Erie Insurance
- Safeco Insurance
- USAA