What Car Insurance is Cheapest for Police Officers in Raleigh?

For law enforcement personnel, one of the big things that aid in calculating the cost of insurance is where you live. Areas with more people or even just a higher incidence of claims tend to have higher auto insurance costs, whereas areas with lower crime rates and fewer weather claims have the luxury of cheap car insurance rates.

The next table shows the most expensive areas in North Carolina for police officers to buy car insurance in. Raleigh is ranked #14 costing $737 for the average insured, which is about $61 monthly.

How much does auto insurance cost in Raleigh?
Rank City Annual Rate
1 Fayetteville $923
2 Jacksonville $873
3 Charlotte $816
4 Gastonia $811
5 Greensboro $779
6 Durham $773
7 Wilmington $765
8 Goldsboro $765
9 Greenville $752
10 High Point $745
11 Cary $742
12 Hickory $740
13 Apex $739
14 Raleigh $737
15 Huntersville $734
16 Indian Trail $731
17 Rocky Mount $726
18 Chapel Hill $724
19 Wilson $724
20 Winston Salem $695
21 Salisbury $691
22 Concord $676
23 Burlington $671
24 Kannapolis $669
25 Asheville $661
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Rate information is estimated as the garaging address in Raleigh can decrease or increase insurance rates noticeably.

Finding dependable, cheap auto insurance is not most people’s favorite thing to do, and figuring out which companies quote the lowest-priced insurance rates for police officers takes even more diligence.

Every insurance provider uses their own method for setting rates, so let’s begin by examining the lowest cost insurance companies in Raleigh, NC. We do need to point out that Raleigh, NC insurance rates are determined by lots of factors that may substantially change the cost of having a policy. That is why it is crucial to perform an extensive rate comparison to find the most budget-friendly car insurance quotes for police officers. Rates are calculated by many risk factors and can decrease or increase without notice, so the best option the last time you shopped around may now cost much more than other companies.

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Cheapest North Carolina car insurance ranked by price
Rank Company Cost Per Year
1 Progressive $632
2 Utica National $643
3 NC Farm Bureau $709
4 Liberty Mutual $721
5 GEICO $728
6 Titan $729
7 Penn National $739
8 State Farm $749
9 Auto-Owners $870
10 Travelers $900
11 National General $908
12 Allied $919
13 Erie $931
14 Peerless $992
15 Nationwide $1,001
16 Unitrin $1,012
17 Encompass $1,031
18 Safeco $1,034
19 MetLife $1,038
20 Allstate $1,054
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Progressive quotes some of the cheapest car insurance rates in Raleigh at around $632 a year. This is $240 less than the average price paid by North Carolina drivers of $872. Utica National, NC Farm Bureau, Liberty Mutual, and GEICO are also some of the best Raleigh, NC car insurance companies.

In the above rates, if you have coverage with Liberty Mutual and switched to Utica National, you could realize savings of about $78. Insureds with GEICO may save as much as $85 a year, and Titan insureds might cut rates by $86 a year.

To compare your rates to other North Carolina insurance companies, click here or visit several of the following companies.

These prices are averaged across all ages of drivers and types of vehicles and do not factor in an exact zip code location for police officers. So the auto insurance company that fits your situation best may not even be in the list above. That emphasizes why you need to compare rates from as many companies as possible using your own personal information and vehicle type.

The type of vehicle that is being insured is one of the largest considerations in finding economical insurance for police officers. Vehicles with economical engines, good safety features, or a positive history of liability claims will cost significantly less to insure than fast, unsafe models.

The table below showcases car insurance costs for the most economical vehicles to buy coverage for.

Cheapest Vehicles to Insure in Raleigh, NC
Vehicle Make and Model Estimated Cost for Full Coverage
Ford Escape Limited 4WD $1,082
Chevrolet Silverado LS Regular Cab 4WD $1,093
Toyota Prius $1,104
Hyundai Elantra GLS Touring Station Wagon $1,122
Honda CR-V LX 2WD $1,128
Dodge Grand Caravan Hero $1,180
Dodge Ram 3500 Crew Cab Laramie 2WD $1,203
Ford F-150 XLT Super Cab 2WD $1,216
Honda Odyssey EX W/Rear Entertainment $1,264
GMC Sierra SLE Crew Cab 4WD $1,266
Chevrolet Malibu LTZ $1,275
Chevrolet Impala LT $1,288
Jeep Wrangler Unlimited Sport 4WD 4-Dr $1,322
Honda Accord LX-S 2-Dr Coupe $1,327
Toyota RAV4 Limited 4WD $1,329
Ford Fusion Sport AWD 4-Dr Sedan $1,351
Chevrolet Silverado 2500HD LT Crew Cab Diesel 4WD $1,357
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Table data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and North Carolina minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, homeowner, and claim-free. Premium costs do not factor in zip code location which can influence coverage rates substantially.

Looking at the data, cars like the Ford Escape, Chevrolet Silverado, and Toyota Prius are a few of the most budget-friendly vehicles to insure for law enforcement personnel.

How much more does full coverage cost in Raleigh?

Saving money on insurance is important to most people, and one good way to find cheap insurance for police officers is to only pay for liability coverage. The diagram below visualizes the comparison of annual premium costs with full physical damage coverage compared to only buying the minimum liability limits required in North Carolina. The information is based on no accidents, no driving violations, $250 deductibles, single status, and no policy discounts are applied.

If all age groups are averaged, full coverage costs $1,316 per year over liability only. That raises the question when is it safe to stop buying full coverage. There is no definitive formula to drop comprehensive and collision coverage on your policy, but there is a guideline you can consider. If the annual cost of your full coverage insurance is more than about 10% of the vehicle’s replacement cost less your deductible, then you might consider buying liability only.

Discounts on Raleigh insurance

Save on insurance for law enforcement personnel in RaleighAuto insurance companies that offer quotes for police officers may also give you premium discounts that could lower prices by 30% or more if you are eligible for them. A few of the larger companies and their possible discounts can be found below.

The diagram below shows the comparison of auto insurance costs with and without discounts being applied to the rates. The price estimates are based on a male driver, no violations or accidents, North Carolina state minimum liability limits, comprehensive and collision coverage, and $100 deductibles.

The first bar for each age group shows the price with no discounts. The lower bar shows the rates with vehicle safety, claim-free, safe-driver, multiple policy, accident-free, and anti-theft discounts applied. When drivers take advantage of discounts, theaverage yearly reduction on insurance for police officers is 27% or $394.

Here’s why you should shop around

Raleigh, NC insurance rates are impacted by many things that can increase the cost of having a policy. Simply having a birthday, buying another vehicle, or having a fender bender can cause premium changes that can cause some rates to be cheaper than competitors. Not only may your risk profile change, but insurance companies file new North Carolina auto insurance rates as needed as an adjustment for underwriting gains or losses. An extended period of higher than normal claims can result in increased policy costs, while long-term profits can cause more affordable Raleigh car insurance rates.

To illustrate this example, the graph below compares the cheapest car insurance in Raleigh, NC for a 45-year-old male driver with no accidents or violations, and good credit. When quoting prices based on his current rating profile, Progressive might offer the lowest car insurance rates in Raleigh at $718 a year. This is $154 less than the average premium paid by North Carolina drivers of $872. Utica National, NC Farm Bureau, GEICO, and Liberty Mutual are also on the list of the cheapest Raleigh, NC auto insurance companies.

In the next rate comparison, we’ll give the driver from the first set of rates a chargeable accident, a little lower credit rating, and a few blemishes on his driving record. Since every car insurance company uses their own formula for setting prices, analyzing rates may result in a slightly different list of affordable Raleigh car insurance companies as shown below.

Titan now has the best car insurance rate in Raleigh, NC with State Farm, Auto-Owners, National General, and Utica National now rounding out the top five. This example demonstrates why consumers need to take the time to perform an extensive rate comparison when trying to get the most affordable auto insurance quotes for police officers.

Insurance prices can be altered by many things and change substantially, so the best price when you last compared rates may now not even be in the top five.