I’m sure you’ve seen the ads from companies like Liberty Mutual, GEICO, and The General that say if you switch you’ll get dirt cheap rates, so drivers should just pick the one with the catchiest commercial, right?
Regrettably, it’s not quite that easy, as there are a whole bunch of unknowns like the area you live in, the amount of liability insurance you need, and if you are currently insured, that all have an effect on the price of a policy. We will try to teach you about these types of topics and hopefully give you enough understanding to have a good beginning to your quest for cheaper car insurance in Charlotte.
One of the more important considerations that aid in calculating the amount you pay for auto insurance is where you choose to live. Areas with increased crime or more people will most likely pay more, whereas areas that tend to be more rural receive better rates.
The next table lists the most expensive areas in North Carolina for police officers to buy auto insurance in. Charlotte is listed at #3 costing $832 for coverage, which is about $69 per month.
| Rank | City | Average Per Year |
|---|---|---|
| 1 | Fayetteville | $896 |
| 2 | Jacksonville | $891 |
| 3 | Charlotte | $832 |
| 4 | Durham | $789 |
| 5 | Gastonia | $779 |
| 6 | Cary | $765 |
| 7 | Wilmington | $765 |
| 8 | Greensboro | $756 |
| 9 | Huntersville | $756 |
| 10 | Wilson | $746 |
| 11 | High Point | $745 |
| 12 | Indian Trail | $745 |
| 13 | Raleigh | $744 |
| 14 | Greenville | $738 |
| 15 | Goldsboro | $735 |
| 16 | Rocky Mount | $726 |
| 17 | Apex | $717 |
| 18 | Salisbury | $712 |
| 19 | Hickory | $711 |
| 20 | Chapel Hill | $703 |
| 21 | Winston Salem | $695 |
| 22 | Kannapolis | $690 |
| 23 | Asheville | $687 |
| 24 | Burlington | $671 |
| 25 | Concord | $669 |
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Table data uses estimated as the specific garaging location can impact premiums substantially.
Finding out which companies quote the lowest-priced insurance rates for police officers requires a little more sweat in order to find coverage that fits your budget. Every auto insurer has a unique approach for setting prices, so let’s rank the lowest cost insurance companies in North Carolina.
It’s important to understand that North Carolina insurance rates are calculated based on many things that control the cost of having a policy. Simply getting older, increasing deductibles, or getting a DUI can trigger changes in premium that can now make some companies more affordable than the competition.
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Utica National may offer some of the best car insurance rates in Charlotte at around $655 annually. Progressive, Penn National, Liberty Mutual, and NC Farm Bureau also rank well as some of the more affordable Charlotte, NC car insurance companies.
In the above rates, if you currently have a policy with Liberty Mutual and switched to Progressive, you could see an annual premium reduction of in the vicinity of $70. North Carolina drivers with NC Farm Bureau could save as much as $72 a year, and GEICO insureds might lower prices by up to $84 a year.
To get a fast rate comparison, click here to start your custom quote or visit several of the following companies.
Understand that those prices are averages for all ages of drivers and types of vehicles and do not factor in an exact location for police officers. So the insurer that fits your age and vehicle best may not even be in the top 20 companies shown above. That helps illustrate why you need to get car insurance quotes using your own driver information and specific vehicle type.
The vehicle you are trying to insure is probably the most important factor that determines the availability of cheap coverage for police officers. Vehicles with lower performance, a plethora of safety features, or a track record of few liability claims will cost much less to insure than adrenaline junky models. The information below ranks coverage rates for the cheaper vehicles to buy insurance for.
| Insured Vehicle | Estimated Cost for Full Coverage |
|---|---|
| Honda CR-V EX 2WD | $1,153 |
| Honda Accord LX 4-Dr Sedan | $1,265 |
| Ford Explorer XLT 2WD | $1,294 |
| Ford Escape Limited 4WD | $1,376 |
| Toyota Tacoma Double Cab 4WD | $1,396 |
| Ford Edge Sport 2WD | $1,442 |
| Toyota Prius | $1,450 |
| Chevrolet Impala LTZ | $1,442 |
| Jeep Wrangler Rubicon 4WD 2-Dr | $1,468 |
| Ford Focus SE 4-Dr Sedan | $1,477 |
| Chevrolet Malibu LTZ | $1,468 |
| Ford Fusion SE 4-Dr Sedan | $1,476 |
| Honda Odyssey Touring | $1,468 |
| Chevrolet Silverado LT Extended Cab 4WD | $1,497 |
| Toyota RAV4 Limited 4WD | $1,541 |
| Jeep Grand Cherokee Laredo 2WD | $1,547 |
| Volkswagen Jetta LE 4-Dr Sedan | $1,541 |
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Table data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and North Carolina minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-policy, and multi-vehicle. Rate information does not factor in your specific Charlotte, NC location which can impact rates significantly.
Looking at the numbers, models like the Honda CR-V, Honda Accord, Ford Explorer, Ford Escape, and Toyota Tacoma are the most budget-friendly vehicles to insure for law enforcement personnel.
How to get discounts on Charlotte auto insurance
Insurers that offer coverage for police officers may also provide premium discounts that could reduce prices by 25% or more if you meet specific criteria. A few popular companies and a selection of discounts are outlined below.
- The Hartford may offer discounts for driver training, anti-theft, air bag, bundle, and defensive driver.
- American Family has discounts for bundled insurance, accident-free, TimeAway discount, defensive driver, and good driver.
- Progressive discounts include multi-policy, good student, online signing, homeowner, and multi-vehicle.
- Travelers may have discounts that include IntelliDrive, multi-policy, student away at school, payment discounts, driver training, good student, and multi-car.
- Farmers Insurance may include discounts for pay in full, homeowner, switch companies, distant student, teen driver, business and professional, and alternative fuel.
- USAA includes discounts for new vehicle, vehicle storage, defensive driver, family discount, and driver training.
- Liberty Mutual policyholders can earn discounts including new move discount, safety features, new vehicle discount, newly retired, exclusive group savings, multi-policy, and preferred payment discount.
The diagram below shows the comparison of insurance costs with and without some available policy discounts. The rates are based on a male driver, no violations or claims, North Carolina state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second bar shows the rates with passive restraint, accident-free, multiple policy, vehicle safety, multiple vehicle, and safe-driver discounts applied. When these discounts are applied, theaverage amount saved on insurance for police officers is 27% or $324.
Picking a highly-rated insurance provider is difficult considering how many different insurance companies sell coverage in Charlotte. The ranking data listed below can help you pick which car insurance providers to look at shopping your coverage with. These ratings are only made up of the largest companies in America, so smaller companies that only insure vehicles in North Carolina are not factored into the list.
| 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 |
| 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 |
| American Family | 91 | 86 | 95 | 83% | A | 89.7 |
| Esurance | 86 | 90 | 94 | 90% | A+ | 89.5 |
| The General | 86 | 93 | 89 | 84% | A- | 88.2 |
| GEICO | 79 | 89 | 95 | 87% | A++ | 87.8 |
| Titan Insurance | 86 | 82 | 92 | 86% | A+ | 86.5 |
| 21st Century | 86 | 82 | 90 | 84% | A | 86.4 |
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Data Source: Insure.com Best Car Insurance Companies
How accidents and violations affect rates
The best way to find cheap insurance prices in North Carolina for law enforcement personnel is to drive attentively and avoid getting tickets or having accidents. The information below shows how traffic citations and at-fault collisions raise insurance costs for each different age category. The data is based on a married male driver, comp and collision included, $250 deductibles, and no additional discounts are factored in.
In the example above, the average cost of car insurance in Charlotte per year with no violations or accidents is $1,125. Add in one speeding ticket and the average cost increases to $1,289, an increase of $164 each year. Now get two accidents along with the one speeding ticket and the yearly cost of insurance for police officers jumps again to an average of $2,718. That’s an increase of $1,593, or $133 per month, just for not maintaining a clean driving record!