The vehicle model requiring insurance is probably the largest consideration that determines the availability of the best auto insurance for police officers. Vehicles with limited top-end speed, modern passenger safety features, or a positive history of liability claims will cost much less to insure than high performance models.
The data below features car insurance costs for a selection of the more affordable vehicles to buy coverage for.
|Make and Model||Estimated Cost for Full Coverage|
|Ford F-150 STX Regular Cab 4WD||$1,547|
|Honda Accord LX-P 4-Dr Sedan||$1,584|
|Honda Odyssey EX W/Rear Entertainment||$1,603|
|Ford Escape XLT 4WD||$1,619|
|Toyota RAV4 4WD||$1,632|
|Chevrolet Malibu LS||$1,638|
|Toyota Tacoma Double Cab TRD Off-Road Package 4WD||$1,664|
|Honda CR-V LX 2WD||$1,696|
|Volkswagen Jetta 2.0T 4-Dr Sedan||$1,750|
|Nissan Altima 3.5 SR 4-Dr Sedan||$1,750|
|Jeep Wrangler Sahara 4WD 2-Dr||$1,776|
|Ford Explorer XLT 2WD||$1,785|
|Ford Focus SE 4-Dr Sedan||$1,838|
|Hyundai Sonata Limited 4-Dr Sedan||$1,870|
|Toyota Camry LE||$1,872|
|Chevrolet Impala LT||$1,879|
|Chevrolet Equinox LS AWD||$1,872|
|GMC Sierra 3500HD SLT Crew Cab 2WD||$1,899|
|Dodge Grand Caravan SXT||$1,907|
|Honda Civic DX 2-Dr Coupe||$1,918|
|Hyundai Elantra Blue 4-Dr Sedan||$1,936|
|Ford Edge SEL AWD||$1,966|
|Compare Cheap Rates Go|
Price data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Oregon minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-vehicle, and multi-policy. Rate quotes do not factor in the specific area where the vehicle is garaged which can revise coverage rates noticeably.
Based on these rates, we can assume that makes and models like the Ford F-150, Honda Accord, Honda Odyssey, Ford Escape, and Toyota RAV4 will be the less-costly vehicles to insure for law enforcement personnel.
Finding reliable, low-cost insurance is not always easy, and figuring out which company quotes the cheapest car insurance rates for police officers will involve even more perseverance. Each insurer uses their own method to set policy rates, so to begin we’ll rank the most budget-friendly car insurance companies in Portland, OR.
It’s important to know that Portland, OR car insurance rates are impacted by many factors that control the cost of coverage. Events like turning one year older, moving across town, or getting a couple of tickets can trigger changes in premium resulting in some rates now being more expensive than competitors.
Find the Best Cheap Insurance for Law Enforcement
Grange quotes some of the lowest car insurance rates in Portland at around $687 each year. This is $791 less than the average price paid by Oregon drivers of $1,478. Country, Oregon Mutual, Travelers, and USAA also rank well as some of the more affordable Portland, OR insurance companies.
In the rate table above, if you buy coverage from Country and switched to Grange, you may see savings of around $135. Drivers with Oregon Mutual could save as much as $166 a year, and Travelers customers might cut rates by $227 a year.
To see if you’re overpaying, click here to start a quote or quote rates from the companies below.
These estimates are averages across all types of insureds and vehicles and and are not calculated with an exact zip code location for police officers. So the car insurance company that is most affordable for your situation may not even be in the list above. That underscores the importance of why you need to compare prices as often as possible using your own driver information and specific vehicle type.
Oregon car insurance company ratings
Insuring your vehicle with a good quality insurance company can be challenging considering how many companies there are to choose from in Oregon. The ranking data in the lists below may help you pick which car insurance companies you want to consider when comparing insurance rates for police officers.
These rankings only include large, nationwide insurance companies, so smaller regional companies are not included in this list. To get price quotes from these and other companies in Oregon, simply click here.
Top 10 Large Auto Insurance Companies in Portland Ranked by Customer Satisfaction
- USAA – 94%
- AAA Insurance – 91%
- Nationwide – 90%
- State Farm – 90%
- GEICO – 89%
- The Hartford – 89%
- The General – 88%
- 21st Century – 88%
- Allstate – 88%
- Liberty Mutual – 88%
Top 10 Large Auto Insurance Companies in Portland Ranked by Value
- American Family
- The Hartford
- The General
- State Farm
- AAA Insurance
Types of discounts on Portland insurance
Insurance companies that offer cheap quotes for police officers may provide premium discounts that could potentially reduce rates by 35% or more if you meet eligibility requirements. Larger car insurance companies and a selection of discounts are outlined below.
- Mercury Insurance discounts include good driver, multi-car, low natural disaster claims, good student, location of vehicle, and accident-free.
- Farmers Insurance offers discounts including good student, bundle discounts, multi-car, youthful driver, early shopping, electronic funds transfer, and business and professional.
- Farm Bureau offers discounts for youthful driver, renewal discount, 55 and retired, safe driver, driver training, good student, and multi-vehicle.
- State Farm offers premium reductions for defensive driving training, Steer Clear safe driver discount, safe vehicle, multiple policy, multiple autos, good driver, and Drive Safe & Save.
- Allstate includes discounts for early signing, safe driver, good student, new car, utility vehicle, EZ pay plan discount, and eSmart discount.
- GEICO may include discounts for driver training, seat belt use, anti-theft, defensive driver, membership and employees, and anti-lock brakes.
The chart below illustrates the comparison of yearly insurance costs with and without discounts applied. The price estimates are based on a female driver, no violations or accidents, Oregon state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows insurance cost with no discounts. The second shows the rates with passive restraint, claim-free, homeowner, multiple vehicle, safe-driver, and defensive driving course discounts applied. With discounts applied, the average amount saved each year on car insurance for police officers is 28% or $479.
Does full coverage make sense?
Saving on car insurance is important to most drivers, and an effective way to find cheaper insurance for police officers is to not pay for full coverage. The illustration below illustrates the difference between insurance costs with full physical damage coverage compared to only buying the minimum liability limits required in Oregon. The price estimates are based on no claims or driving citations, $250 deductibles, single marital status, and no discounts are applied to the premium.
Averaged out for all age groups, physical damage insurance costs $1,858 per year over having just liability coverage. Many people question if paying for full coverage is a waste of money. There isn’t a steadfast formula to eliminate comp and collision coverage, but there is a general school of thought. If the annual cost of your full coverage insurance is more than around 10% of replacement cost minus your deductible, then you might consider buying liability only.
There are a few cases where dropping physical damage coverage is not a good idea. If you still owe a portion of the original loan, you must maintain physical damage coverage in order to prevent your loan from defaulting. Also, if your emergency fund is not enough to purchase a different vehicle in case of an accident, you should keep full coverage in place.
Why you should be shopping around
Portland car insurance rates are determined by lots of factors which can substantially decrease or increase the price of your policy. Improving your credit score, buying higher coverage limits, or getting a couple of tickets can trigger changes in premium resulting in some companies being much cheaper than others. In addition, insurers change their prices every year to ensure their profitability. Higher than usual claims can cause more expensive prices, while less frequent claims can cause cheaper Portland car insurance rates.
To illustrate this example, the chart below demonstrates which company has the cheapest car insurance in Portland, OR for a 40-year-old male driver with no prior accidents, a clean driving record, and good financial standing. If we estimate rates based on his current risk factors, Grange has the best car insurance rates in Portland at $944 per year. This is $534 less than the average premium paid by Oregon drivers of $1,478. Oregon Mutual, Country, Travelers, and USAA are also on the list of the cheapest Portland, OR auto insurance companies.
In this next rate comparison, we will give the driver from the first example a claim surcharge, bad credit, and a couple of points charged on his driving record. Since each auto insurance company has a proprietary formula for determining rates in each state, comparing quotes could result in a slightly different list of the cheapest Portland car insurance companies as shown below.
Country now has the lowest price in Portland, OR with Amica, GEICO, Mutual Enumclaw, and Allied also being competitive. This demonstrates why it is critical to spend some time comparing rates to find cheap auto insurance rates for police officers. Insurance rates can be altered by many different factors and can change substantially, so the most affordable company the last time you compared rates may now be an over-priced policy.