Who Has Cheap Auto Insurance Rates for Police Officers in Cincinnati?

Wouldn’t it be nice if we could wave our magic wand and tell you the single company that has the best rates for police officers? That is not the case, however, as there are a ton of unknown factors like the area you live in, what coverage limits you want, and how old you are, that help determine the price you have to pay. This article will discuss the different ways you can keep rates low and will hopefully give you a jump start in finding the best auto insurance.

Finding reliable, budget auto insurance is tough enough, and finding out which company has the most affordable insurance rates for police officers will require even more work.

Each insurer uses slightly different criteria to set their prices, so let’s take a look at the insurance companies with the overall best prices in Cincinnati. It’s important to know that Cincinnati, OH insurance rates are calculated based on many things which can significantly increase or decrease the cost of coverage. This is why it is critical to do a thorough rate comparison to get the cheapest insurance quotes for police officers. Insurance prices are influenced by many risk factors and change substantially, so the cheapest company two years ago may now be quite expensive.

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Rankings for the cheapest car insurance companies in Ohio
Rank Company Cost Per Year
1 Utica National $654
2 Erie $687
3 Allied $697
4 Frankenmuth $701
5 Travelers $705
6 USAA $711
7 Merchants Insurance Group $771
8 Cincinnati Insurance $779
9 Motorists Mutual $800
10 General Casualty $829
11 Grange Mutual $836
12 Central Mutual $848
13 Hastings Mutual $866
14 State Farm $885
15 Atlantic States $904
16 Westfield $908
17 Progressive $962
18 Western Reserve $970
19 Nationwide $998
20 Auto-Owners $998
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Utica National offers some of the most affordable car insurance rates in Cincinnati at around $654 each year. Erie, Allied, Frankenmuth, and Travelers would also be considered some of the cheapest Cincinnati, OH insurance companies.

In the above rates, if you are currently insured with Allied and switched to Utica National, you may see a yearly price reduction of in the vicinity of $43. Ohio drivers with Frankenmuth might save as much as $47 a year, and Travelers policyholders might lower prices by $51 a year.

To get a fast rate comparison, click here to get quotes or click through to the companies below.

Be aware that those prices are averaged for all insureds and vehicles and do not take into consideration a specific location for police officers. So the company that is best for you may not even be in the top 33 companies shown above. That emphasizes why you need to compare rates from multiple companies using your own personal information and vehicle type.

The car, truck, or SUV driven is a large consideration that determines the availability of the most economical coverage for police officers. Vehicles with high performance features, a lack of modern safety features, or a history of substantial liability claims will cost substantially more to insure than more economical and safe models. The information below features insurance costs for a selection of the cheapest automobiles to insure.

Cheapest Vehicles to Insure in Cincinnati, OH
Make, Model, and Trim Level Estimated Cost for Full Coverage
Ford Escape Limited 4WD $1,243
Honda Accord EX 4-Dr Sedan $1,316
Honda CR-V EX 2WD $1,325
Chevrolet Equinox LS AWD $1,360
Ford F-150 Lariat Super Cab 2WD $1,387
Honda Odyssey EX-L W/Navigation $1,430
Hyundai Elantra GLS 4-Dr Sedan $1,435
Toyota Camry SE $1,430
Toyota Prius $1,455
Ford Fusion SE 4-Dr Sedan $1,457
Hyundai Sonata GLS 4-Dr Sedan $1,465
Nissan Altima Hybrid 4-Dr Sedan $1,457
Ford Explorer Eddie Bauer 2WD $1,477
Kia Optima SX $1,555
Dodge Grand Caravan SXT $1,586
Toyota Corolla XLE $1,640
Chevrolet Impala LTZ $1,647
Volkswagen Jetta SE 2.5 Station Wagon $1,654
Toyota Tacoma Double Cab 4WD $1,666
Toyota RAV4 Limited 2WD $1,674
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Above prices assume single female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Ohio minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, claim-free, and multi-vehicle. Prices do not factor in the specific area where the vehicle is garaged which can change rates considerably.

Based upon the table data, you can see that makes and models like the Ford Escape, Honda Accord, Honda CR-V, and Chevrolet Equinox are a few of the less-costly vehicles to insure for law enforcement personnel.

Best insurance company in Ohio

Selecting a good quality company is difficult considering how many choices drivers have in Cincinnati. The ranking information displayed below may help you pick which companies you want to consider when buying insurance for police officers. The rankings below are only comprised of large nationwide companies, so smaller companies that only insure vehicles in Ohio are not factored into these rankings.

Top 10 Major Auto Insurance Providers in Cincinnati Ranked by Customer Service

  1. Nationwide
  2. State Farm
  3. Safeco Insurance
  4. American Family
  5. Titan Insurance
  6. Travelers
  7. Liberty Mutual
  8. GEICO
  9. Erie Insurance
  10. Allstate

Top 10 Major Auto Insurance Providers in Cincinnati Ranked by Customer Satisfaction

  1. USAA – 92%
  2. Erie Insurance – 88%
  3. American Family – 88%
  4. State Farm – 88%
  5. Nationwide – 88%
  6. 21st Century – 88%
  7. AAA Insurance – 87%
  8. Liberty Mutual – 87%
  9. Farmers Insurance – 87%
  10. The Hartford – 87%

Careless driving habits raise Cincinnati insurance rates

In a perfect world, the best way to receive cheap insurance rates in Ohio for law enforcement personnel is to drive safe and avoid accidents and traffic citations. The illustration below illustrates how speeding tickets and at-fault collisions can impact auto insurance rates for each different age category. The rate quotes are based on a married male driver, comprehensive and collision coverage, $1,000 deductibles, and no discounts are applied to the premium.

The data charted above shows the average cost of a car insurance policy in Cincinnati per year with no accidents or violations is $1,102. Receive one speeding ticket and the average cost increases to $1,268, an increase of $167 each year. Now throw in one accident along with the one speeding ticket and the yearly cost of insurance for police officers increases to an average of $1,729. That’s an increase of $627, or $52 per month, just for not keeping your driving record clean!

Why you should compare rates

Ohio insurance rates are impacted by many things which can significantly increase or decrease your annual premium. Turning one year older, buying a new vehicle, or getting a ticket for running a stop sign can trigger price changes that can cause some rates to be more affordable than the competition. Not only may your situation change, but insurance companies amend premium rates every year in order to be able to pay unexpected claims. Unexpectedly high claims can cause increased rates, while a profitable period can result in lower-priced Cincinnati car insurance rates.

The graph below shows rates for the cheapest car insurance in Cincinnati, OH for a 40-year-old female driver with no accidents or violations, and a good credit history. When quoting prices based on her current situation, Utica National may offer the lowest car insurance rates in Cincinnati at $772 per year. This is $268 less than the average policy premium paid by Ohio drivers of $1,040. Allied, Frankenmuth, Erie, and Travelers are the rest of the cheapest Cincinnati, OH auto insurance companies.

In this example, we will give the driver from above a couple of claims, a lower credit score, and a traffic citation. Since each auto insurer uses their own calculation for setting prices, comparing insurance quotes may now show a completely different list of cheap Cincinnati auto insurance companies as shown below.

Merchants Insurance Group now has the cheapest insurance rate in Cincinnati with Cincinnati Insurance, Motorists Mutual, Grange Mutual, and General Casualty completing the list. This example demonstrates why it is so important to perform a complete rate comparison to find cheap insurance rates for police officers.

Auto insurance prices are calculated by many risk factors and can change without notice, so the cheapest option when you last compared rates may now be quite expensive.

How to find economical auto insurance for police officers

The list below summarizes some thrifty solutions that can help drivers buy more affordable auto insurance.

The last item on the list is certainly critical, as we pointed out in this write-up. Prices charged by auto insurers can be changed at any time, so drivers shouldn’t be resistant to switch to a new company if a cheaper rate is available.

Many drivers have brand loyalty and that’s fine, but is isn’t recommended if that stubbornness costs you several hundred dollars every year. It only takes a couple minutes to compare rates to find cheaper auto insurance for police officers in Cincinnati.