Who Has the Cheapest Car Insurance Rates for Police Officers in San Diego?

The make and model of vehicle on the policy is one of the primary factors when consumers are trying to find economical insurance for police officers. Vehicles with high performance engines, poor passenger safety features, or a track record of large liability claims will cost much more to insure than more modest models. The information below features car insurance premiums for some of the cheaper vehicles to insure.

Cheapest Vehicles to Insure in San Diego, CA
Vehicle Insured Estimated Cost for Full Coverage
Honda CR-V EX 4WD $881
Jeep Wrangler Sport 4WD 2-Dr $895
Honda Odyssey LX $948
Toyota Prius $954
Ford F-150 XL Super Cab 4WD $967
Ford Explorer Eddie Bauer 2WD $977
Honda Accord EX 4-Dr Sedan $988
Chevrolet Malibu LS $1,020
GMC Sierra SLE Regular Cab 2WD $1,025
Toyota Tacoma Double Cab TRD Sport Package 4WD $1,041
Ford Escape XLS 2WD $1,056
Toyota Camry SE $1,072
Chevrolet Impala LTZ $1,081
Dodge Grand Caravan CV $1,110
Ford F-350 XLT Super Cab 2WD $1,112
Toyota Camry Hybrid $1,165
Volkswagen Jetta LE 4-Dr Sedan $1,171
Chevrolet Equinox LS 2WD $1,181
Toyota RAV4 2WD $1,171
Dodge Ram 2500 Crew Cab ST 4WD $1,184
Compare Rates Now Go

Data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, safe-driver, and multi-vehicle. Premium costs do not factor in specific location information which can decrease or increase rates substantially.

Based upon the table data, you can see that makes and models like the Honda CR-V, Jeep Wrangler, Honda Odyssey, and Toyota Prius are going to be a few of the most economical vehicles to insure for law enforcement personnel.

For law enforcement personnel, one of the big considerations that determine the cost of insurance is where you live. More populated areas likely pay more, whereas areas with lower crime rates and fewer weather claims tend to receive slightly lower rates.

The information below ranks the most expensive cities in California for police officers to purchase auto insurance in. San Diego comes in at #22 costing $1,368 for car insurance, which is around $114 each month.

How much does auto insurance cost in San Diego?
Rank City Premium Per Year
1 Los Angeles $2,104
2 Glendale $2,079
3 Oakland $1,738
4 Sacramento $1,720
5 San Francisco $1,711
6 Stockton $1,603
7 San Bernardino $1,580
8 Long Beach $1,578
9 Moreno Valley $1,551
10 Fontana $1,535
11 Santa Clarita $1,533
12 Riverside $1,527
13 Garden Grove $1,524
14 Modesto $1,487
15 Fresno $1,472
16 Santa Ana $1,439
17 Anaheim $1,430
18 Irvine $1,384
19 Bakersfield $1,381
20 San Jose $1,381
Start a Quote Go

Annual rates are approximated as specific San Diego garaging address can influence premiums significantly.

Does full coverage make sense?

Reducing premiums for auto insurance should be important to the majority of people, and one easy way to find cheap insurance for police officers is to only pay for liability coverage. The example below shows the comparison of auto insurance rates when comparing full coverage to liability only. The premium estimates are based on no violations or accidents, $1,000 deductibles, single status, and no discounts are applied to the premium.

As an overall average, physical damage coverage costs an extra $1,849 per year over liability only. That is a significant amount which raises the question if buying full coverage is worth the expense. There is no exact rule of when to stop paying for physical damage coverage, but there is a general convention. If the yearly cost of full coverage is more than around 10% of the replacement cost of your vehicle minus the policy deductible, then it’s probably a good time to buy liability coverage only.

There are some conditions where buying only liability insurance is not a good plan. If you have an outstanding loan on your vehicle, you have to maintain full coverage as part of the loan conditions. Also, if you don’t have enough money to buy a different vehicle in case of an accident, you should keep full coverage on your policy.

Types of discounts on San Diego auto insurance

Cheaper San Diego, CA auto insurance for law enforcement personnelInsurers that provide coverage for police officers may provide rate discounts that could potentially reduce rates by 25% or more if you meet certain criteria. The best auto insurance companies and a selection of discounts are:

The diagram below compares annual premium costs with and without policy discounts. The information is based on a female driver, no claims or violations, California state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows the price with no discounts. The second shows the rates with multiple vehicle, passive restraint, defensive driving course, anti-theft, homeowner, and multiple policy discounts applied. When these discounts are applied to the policy premium, the average amount saved each year on auto insurance for police officers is 28% or $830.

Finding a highly-rated car insurance company can be difficult considering how many companies provide coverage in San Diego. The rank data in the next section may help you analyze which insurers you want to consider to insure your vehicles. The rankings below only include the largest auto insurers in America, so companies with more of a regional focus are not taken into consideration for the list.

Top 10 Major Car Insurance Companies Overall in San Diego

  1. USAA
  2. American Family
  3. AAA of Southern California
  4. State Farm
  5. The Hartford
  6. AAA Insurance
  7. GEICO
  8. The General
  9. Titan Insurance
  10. Progressive