One of the many factors that help determine the amount you pay each year for auto insurance is where your residence is in Denver. Regions with larger populations or more claims tend to pay more, whereas areas with fewer weather claims and lower vehicle theft rates have the benefit of cheaper car insurance.
The following table shows the highest-priced places in Colorado for police officers to purchase auto insurance in. Denver is ranked #1 with the yearly price of $1,425 for the average policyholder, which is around $119 per month.
| Rank | City | Annual Premium |
|---|---|---|
| 1 | Denver | $1,425 |
| 2 | Aurora | $1,403 |
| 3 | Pueblo | $1,397 |
| 4 | Security-Widefield | $1,343 |
| 5 | Lakewood | $1,337 |
| 6 | Commerce City | $1,328 |
| 7 | Ken Caryl | $1,326 |
| 8 | Arvada | $1,308 |
| 9 | Littleton | $1,306 |
| 10 | Centennial | $1,304 |
| 11 | Northglenn | $1,290 |
| 12 | Thornton | $1,281 |
| 13 | Highlands Ranch | $1,279 |
| 14 | Colorado Springs | $1,277 |
| 15 | Brighton | $1,273 |
| 16 | Westminster | $1,272 |
| 17 | Castle Rock | $1,261 |
| 18 | Parker | $1,257 |
| 19 | Boulder | $1,207 |
| 20 | Broomfield | $1,203 |
| 21 | Longmont | $1,179 |
| 22 | Grand Junction | $1,166 |
| 23 | Greeley | $1,110 |
| 24 | Loveland | $1,107 |
| 25 | Fort Collins | $1,067 |
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Rates are estimated as vehicle location can modify insurance rates greatly.
The make and model of vehicle driven is one of the main factors in finding the most affordable coverage for police officers. Vehicles with reasonable performance levels, an excellent safety record, or a low likelihood of having liability claims will cost quite a bit less to insure than fast, unsafe models. The next list presents insurance rates for some of the most affordable automobiles to buy coverage for.
| Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Honda Accord LX 4-Dr Sedan | $1,262 |
| Ford Escape XLT 4WD | $1,290 |
| Toyota Prius | $1,397 |
| Ford Explorer XLT 2WD | $1,415 |
| Honda CR-V LX 4WD | $1,443 |
| Chevrolet Equinox LS 2WD | $1,491 |
| Chevrolet Impala LT | $1,496 |
| Dodge Grand Caravan SXT | $1,522 |
| Toyota Tacoma X-Runner 2WD | $1,568 |
| Honda Odyssey Touring | $1,598 |
| Jeep Wrangler Unlimited Rubicon 4WD 4-Dr | $1,654 |
| Ford Edge SEL 2WD | $1,677 |
| Hyundai Sonata Limited 4-Dr Sedan | $1,705 |
| Toyota Camry Hybrid | $1,710 |
| Nissan Altima 2.5 4-Dr Sedan | $1,711 |
| Volkswagen Jetta S 4-Dr Sedan | $1,717 |
| GMC Sierra SLE Regular Cab 2WD | $1,711 |
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Table data represents single female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Colorado minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, claim-free, and multi-policy. Price estimates do not factor in specific garaging location which can raise or lower coverage rates noticeably.
Based on these rates, we can expect cars like the Honda Accord, Ford Escape, Toyota Prius, and Ford Explorer are going to be some of the cheapest vehicles to insure for law enforcement personnel.
Finding good, budget insurance is not always easy, and finding out which company offers the lowest-priced insurance rates for police officers will involve even more shopping around.
Each auto insurer uses their own calculation for filing rates in each state, so let’s take a look at the most budget-friendly insurance companies in Colorado.
Best Auto Insurance Prices for Law Enforcement
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | The Hartford | $850 |
| 2 | Grange | $978 |
| 3 | USAA | $1,009 |
| 4 | Nationwide | $1,109 |
| 5 | GEICO | $1,152 |
| 6 | Auto-Owners | $1,156 |
| 7 | Travelers | $1,207 |
| 8 | State Farm | $1,259 |
| 9 | American Family | $1,301 |
| 10 | Progressive | $1,322 |
| 11 | Amica | $1,381 |
| 12 | Allied | $1,453 |
| 13 | California Casualty | $1,502 |
| 14 | Colorado Farm Bureau | $1,576 |
| 15 | Farmers | $1,613 |
| 16 | MetLife | $1,830 |
| 17 | Allstate | $2,015 |
| 18 | Encompass | $2,187 |
| 19 | Safeco | $2,547 |
| 20 | Titan | $2,711 |
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The Hartford offers some of the cheapest car insurance rates in Denver at around $850 per year. Grange, USAA, Nationwide, and GEICO would also make the list of some of the most economical Denver, CO car insurance companies.
As the rates illustrate above, if you have coverage with GEICO and switched to Grange, you could earn a yearly price reduction of in the neighborhood of $174. Insureds with Auto-Owners could save as much as $178 a year, and Travelers customers might see rate reductions of $229 a year.
These estimates are averages for all insureds and vehicles and and are not figured with a vehicle location for police officers. So the company that can offer you the best price may not even be in the top 21 companies in the list above. That point stresses why you need to compare prices as often as possible using your own driver data and vehicle information.
How violations and accidents impact rates
The obvious way to snag the most affordable insurance rates in Colorado for law enforcement personnel is to be a careful driver and avoid accidents and keep your driving record clean. The diagram below shows how violations and accident claims can raise insurance prices for each different age group. The premiums assume a single male driver, comp and collision included, $1,000 deductibles, and no policy discounts are applied.
In the chart above, the average cost of auto insurance per year with no accidents and a clean driving record is $1,598. Get written up for two speeding tickets and the average cost surges to $2,106, an increase of $508 each year. Now add in one accident along with the two speeding tickets and the yearly cost of insurance for police officers goes up to an average of $2,623. That’s an increase of $1,026, or $85 per month, just for being a little careless behind the wheel!
The information below illustrates how your deductible choice can increase or decrease insurance costs when getting quotes for cheap insurance for police officers. The rates are based on a married female driver, comp and collision included, and no discounts are taken into consideration.
In the chart above, a 30-year-old driver could cut expenses by $280 a year by changing their physical damage coverage from a $100 deductible up to a $500 deductible, or save $422 by changing to a $1,000 deductible. Younger drivers, like the Age 20 category, could lower their rates $594 every year just by choosing higher deductibles.
If you do decide to increase your deductibles, it will be important to have enough savings set aside to enable you to cover the extra out-of-pocket expense. This is the primary disadvantage of choosing high deductibles.
How to find low-cost insurance for police officers
It’s not impossible to find cheaper rates, and here are some of the better thrifty suggestions that can help Colorado drivers locate cheap coverage.
- Save money by only buying liability coverage for older vehicles
- Try to not file small claims
- Drive safe vehicles
- Home or renters coverage can save on auto insurance
- Improve your credit score
- Raise deductibles
- Check for cheaper rates once a year
The last suggestion is incredibly crucial, as was stressed in the article above. Rates vary greatly, so don’t be tentative to buy from a new company if you find a better deal. Many drivers tend to have loyalty to a certain company, but it’s not a great idea if it’s costing you a small fortune. It only take a few minutes to compare prices to find cheaper car insurance for police officers in Denver.