Who Has Affordable Auto Insurance Quotes for Police Officers in Virginia Beach?

The words “affordable” and “insurance” probably shouldn’t be used together, especially when shopping around for the cheapest car insurance for police officers. Because of the high cost, let’s get started by showing you a few of the things that impact auto insurance prices, and find out if we can help you take the sting out of your next policy.

One of the many components that are looked at to help calculate the price you pay for insurance is where you live in Virginia Beach. Regions with larger populations or more claims tend to pay slightly more, whereas areas with less congestion have the benefit of cheaper car insurance.

The next table shows the most expensive areas in Virginia for police officers to purchase car insurance in. Virginia Beach makes the list at #14 with an annual rate of $938 for coverage, which is around $78 per month.

How much does auto insurance cost in Virginia Beach?
Rank City Annual Premium
1 Burke $1,057
2 Alexandria $1,047
3 Lake Ridge $1,032
4 Centreville $1,027
5 McLean $1,025
6 Arlington $1,003
7 Dale City $998
8 Richmond $985
9 Portsmouth $972
10 Norfolk $970
11 Reston $963
12 Tuckahoe $957
13 Hampton $943
14 Virginia Beach $938
15 Chesapeake $935
16 Charlottesville $922
17 Danville $922
18 Newport News $920
19 Suffolk $910
20 Leesburg $904
21 Ashburn $893
22 Lynchburg $843
23 Roanoke $823
24 Blacksburg $791
25 Harrisonburg $776
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Rate quotes are comparative as vehicle location can alter coverage rates considerably.

The car, truck, or SUV you are seeking coverage for is one of the biggest factors when comparing quotes for affordable car insurance for police officers. Vehicles with high performance features, poor safety ratings, or a high likelihood of having liability claims will cost quite a bit more to insure than more economical and safe models. The table below shows insurance prices for some of the most affordable automobiles to insure.

Cheapest Vehicles to Insure in Virginia Beach, VA
Vehicle Estimated Cost for Full Coverage
Ford Escape XLS 2WD $1,133
Hyundai Elantra GLS Touring Station Wagon $1,305
Volkswagen Jetta SE 2.5 Station Wagon $1,327
Chevrolet Silverado LS Regular Cab 2WD $1,343
Chevrolet Impala LT $1,346
GMC Sierra SLE Regular Cab 2WD $1,352
Dodge Grand Caravan SXT $1,373
Toyota Corolla XLE $1,416
Honda CR-V EX-L 4WD $1,426
Toyota Prius $1,443
Jeep Grand Cherokee Limited 2WD $1,449
Ford F-150 XL Crew Cab 2WD $1,464
Toyota Tacoma 4WD $1,470
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Premium data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Virginia minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, multi-policy, and homeowner. Table data does not factor in vehicle location which can increase or decrease prices substantially.

Based upon these rates, we can expect models like the Ford Escape, Hyundai Elantra, Volkswagen Jetta, Chevrolet Silverado, and Chevrolet Impala will be a few of the most affordable vehicles to insure for law enforcement personnel.

Discounts on Virginia Beach car insurance

Cheaper Virginia Beach, VA auto insurance for law enforcement personnelInsurance companies that offer cheap quotes for police officers may also provide price discounts that could lower prices by as much as 40% or more if you meet the requirements. Companies and some of the discounts are shown below.

The information below shows the difference between annual premium costs with and without discounts applied. The premium estimates are based on a male driver, no violations or accidents, Virginia state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows the average annual price with no discounts. The lower bar shows the rates with homeowner, marriage, multiple policy, passive restraint, safe-driver, and anti-theft discounts applied. When drivers take advantage of discounts, theamount saved on auto insurance for police officers is 28% or $408.

How accidents and violations affect rates

The common sense way to score the best auto insurance premiums for law enforcement personnel is to pay attention while driving and avoid accidents and traffic violations. The information below demonstrates how speeding tickets and at-fault collisions increase auto insurance costs for different age categories. The prices are based on a married male driver, comp and collision included, $1,000 deductibles, and no discounts are applied to the premium.

In the chart above, the average cost of a car insurance policy in Virginia per year with no violations or accidents is $1,228. Get two speeding tickets and the average cost hikes up to $1,686, an increase of $458 each year. Now add two accidents along with the two speeding tickets and the 12-month cost of auto insurance for police officers goes up to an average of $3,607. That’s an increase of $2,379, or $198 per month, just for not keeping your driving record clean!

Which auto insurance company is best in Virginia?

Buying coverage from the top car insurance company is hard considering how many choices there are in Virginia Beach. The rank data in the next section may help you decide which auto insurance companies you want to consider putting your business with.

The rankings below are only comprised of large, nationwide insurance companies, so smaller regional companies are not included in the list. To compare prices from these and other competitive companies, simply click here.

Top Ten Auto Insurance Companies for Police Officers in Virginia
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
Travelers 93 98 99 88% A++ 95.1
USAA 83 99 100 91% A++ 94.1
Mercury Insurance 97 96 88 89% A+ 93.4
AAA Insurance 91 95 92 90% A 93.3
Nationwide 85 95 97 89% A+ 92.4
Allstate 77 100 97 88% A+ 90.7
State Farm 80 94 96 88% A++ 90.6
The Hartford 88 93 91 87% A+ 90.4
Safeco Insurance 91 95 85 88% A 90.2
Progressive 88 94 83 88% A+ 90.1
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Data Source: Insure.com Best Car Insurance Companies

A good deal can quickly turn bad

Virginia auto insurance rates are impacted by many things that will increase or decrease the price of your policy. Simply getting older, getting married, or getting a driving violation may cause policy rate changes resulting in some rates now being cheaper in comparison to the competition.

Also, insurance companies file new Virginia auto insurance rates every year or even multiple times each year to adjust for heavy claims or excess profits. Heavy losses can result in increased rates, while lower claims can produce cheaper Virginia Beach car insurance rates.

To help illustrate this point, the data below shows which companies have the cheapest car insurance in Virginia Beach, VA for a 40-year-old female driver with a clear driving record, no claims, and a good credit history. When comparing rates based on her personal risk profile, Travelers might quote the lowest car insurance rates in Virginia Beach at $814 per year. This is $344 less than the average policy premium paid by Virginia drivers of $1,158. USAA, Cincinnati Insurance, Penn National, and The Hartford are also on the list of the cheapest Virginia Beach, VA auto insurance companies.

Let’s now give the driver from above some claims, bad credit, and a speeding citation. Because each insurer has their own process for setting rates, comparing prices may result in a different set of the cheapest companies as shown below.

Auto-Owners now has the lowest price on auto insurance in Virginia Beach with Utica National, Virginia Farm Bureau, Donegal Mutual, and Nationwide also having competitive pricing. This example illustrates why it is so important to spend some time comparing rates when trying to find the most economical insurance rates for police officers.

Rates are calculated by many risk factors and can decrease or increase without notice, so the most affordable company the last time you shopped your coverage around may now be quite expensive.