The words "bargain" and "insurance" probably shouldn't be used in the same sentence, in particular when searching for the cheapest coverage for police officers. To save some money, let's get started by showing you a few of the things the can have a considerable influence on car insurance prices, and come up with some ways to lower the cost of the next policy you buy.

One of the many considerations that help determine the annual cost of car insurance is where your residence is. Cities with more crime and/or more people like Saint Louis, University City, and Chesterfield likely pay more, whereas areas with fewer weather claims and lower vehicle theft rates tend to receive cheaper rates.

The information below shows the priciest cities in Missouri for police officers to purchase car insurance in.

How much does auto insurance cost in Missouri?
Rank City Premium Per Year
1 Saint Louis $1,488
2 Florissant $1,444
3 University City $1,352
4 Raytown $1,316
5 Chesterfield $1,257
6 Independence $1,251
7 Kansas City $1,245
8 Ballwin $1,244
9 Wildwood $1,238
10 Kirkwood $1,235
11 Mehlville $1,222
12 Liberty $1,201
13 Joplin $1,172
14 Saint Joseph $1,156
15 Wentzville $1,145
16 Lee's Summit $1,135
17 O'Fallon $1,134
18 Blue Springs $1,126
19 Saint Peters $1,117
20 Springfield $1,108
Compare Rates Now Go

Table data uses estimated as the specific geographic location can raise or lower premium rates substantially.

The vehicle model requiring insurance is one of the largest factors that determines whether or not you can buy low-cost insurance for police officers. Vehicles with high performance, a lack of modern safety features, or an increased likelihood of liability claims will cost much more to insure than safer models.

The data below features coverage prices for some of the most budget-friendly vehicles to insure.

Cheapest Vehicles to Insure for Police Officers in Missouri
Vehicle Make and Model Estimated Cost for Full Coverage
Honda CR-V EX-L 4WD $437
Toyota Prius $473
Ford Escape XLT 2WD $477
Volkswagen Jetta 2.0T Station Wagon $499
Toyota Tacoma Double Cab TRD Sport Package 4WD $515
Ford F-150 STX Regular Cab 2WD $520
Nissan Altima 2.5 S 4-Dr Sedan $531
Hyundai Elantra SE 4-Dr Sedan $540
Jeep Wrangler Rubicon 4WD 2-Dr $534
Ford Explorer Eddie Bauer 2WD $540
Chevrolet Impala LS $536
Chevrolet Silverado LT Crew Cab 4WD $540
GMC Sierra SLE Regular Cab 4WD $547
Compare Cheap Rates Go

Prices above based on married male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Missouri minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, safe-driver, and homeowner. Rate information does not factor in specific Missouri garaging location which can increase or decrease premiums considerably.

Looking at the numbers, makes and models like the Honda CR-V, Toyota Prius, and Ford Escape should be some of the cheaper vehicles to insure for law enforcement personnel.

Finding reliable, low-priced insurance is not the easiest thing to do, and finding out which companies offer the most affordable car insurance rates for police officers in Missouri involves a little more work. Coverage prices may be somewhat lower-priced than the average price in Missouri attributed to the lower likelihood of claims related to offering insurance for law enforcement personnel. Economical insurance should be readily available from many insurers. Every car insurance company has a different process for establishing rates, so let's take a look at the car insurance companies with the most affordable rates in Missouri.

Find the Cheapest Auto Insurance for Law Enforcement

Compare Rates and Save

What's the cheapest car insurance in Missouri?
Rank Company Cost Per Year
1 USAA $662
2 The Hartford $809
3 Electric $867
4 Allied $875
5 MO Farm Bureau $1,032
6 Auto-Owners $1,037
7 Travelers $1,038
8 Nationwide $1,109
9 Farmers $1,151
10 Cameron Mutual $1,166
11 American Family $1,241
12 State Farm $1,258
13 Safeco $1,370
14 Progressive $1,382
15 Shelter $1,404
16 Safe Auto $1,405
17 GEICO $1,406
18 MetLife $1,415
19 California Casualty $1,469
20 Auto Club $1,518
Get Personalized Rates Go

USAA generally has some of the cheapest car insurance rates in Missouri at around $662 annually. This is $600 less than the average rate paid by Missouri drivers of $1,262. The Hartford, Electric, Allied, and MO Farm Bureau also rank well as some of the best Missouri insurance companies.

In the above rates, if you currently have a policy with Electric and switched to USAA, you might realize a yearly price reduction of about $205. Policyholders with Allied might save as much as $213 a year, and MO Farm Bureau policyholders might cut rates by $370 a year.

To find the cheapest coverage for you, click here to get quotes or click several companies below for low rates.

Bear in mind that those premium estimates are averaged for all insureds and vehicles and and are not calculated with a price discount for police officers. So the company that can offer you the best price may not even be in the list above. That point stresses why you need to get quotes using your own specific driver and vehicle information.

Get discounts on Missouri car insurance

Insurers that offer quotes for police officers could also offer price discounts that could potentially reduce rates by 40% or more if you meet specific eligibility requirements. Popular car insurance companies and their possible discounts are outlined below.

The diagram below compares insurance prices with and without discounts applied. Data assumes a female driver, no accidents or driving violations, Missouri state minimum liability limits, full coverage, and $250 deductibles.

The first bar for each age group shows the average rate with no discounts. The second shows the rates with vehicle safety, claim-free, multiple vehicle, accident-free, safe-driver, and anti-theft discounts applied. In this example, theaverage amount saved on car insurance for police officers is 27% or $367.

The information below shows how choosing a deductible can impact annual premium costs when researching cheap insurance for police officers in Missouri. The premiums are based on a single female driver, full physical damage coverage, and no discounts are taken into consideration.

In the chart above, a 50-year-old driver could cut expenses by $286 a year by changing from a $100 deductible up to a $500 deductible, or save $430 by switching to a $1,000 deductible. Even younger insureds, like the 20-year-old category, could reduce their rates up to $734 annually just by choosing higher deductibles when buying full coverage.

When using a larger deductible, it is important to have enough savings set aside to pay the extra out-of-pocket expense. This is the primary disadvantage of choosing high deductibles.

How to find low-cost auto insurance for police officers

The list below shows a few penny-pinching suggestions that can help Missouri drivers locate lower-cost coverage.

The last idea is notably valuable, as we hit on in the prior article. Prices fluctuate considerably, so drivers shouldn't be resistant to buy a policy from a new company if a lower price can be found. Sticking with a specific company is fine, but is isn't recommended if that devotion results in you overpaying thousands of dollars over several years. Now is a great time to compare rates and find cheaper car insurance for police officers.