Compare Security & Prison Employee Car Insurance Rates in 2024 (Top 10 Companies)
Compare security & prison employee car insurance rates from top providers like USAA, State Farm, and Progressive. Investigate the tailored coverage options offered by these insurers to discern their superiority in meeting the specific needs of security and prison employees.
Free Car Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Feb 12, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Feb 12, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
Company Facts
Average Monthly Rate For Good Drivers
A.M. Best Rating
Complaint Level
Company Facts
Average Monthly Rate For Good Drivers
A.M. Best Rating
Complaint Level
Pros & Cons
Company Facts
Average Monthly Rate For Good Drivers
A.M. Best Rating
Complaint Level
Compare security & prison employee car insurance rates offered by USAA, State Farm, and Progressive, focusing on variables such as credit rating, mileage, coverage extent, and driving history. Evaluate the offerings from these three providers to identify the most suitable insurance deals for your specific circumstances.
Working as a security guard or a prison worker is a dangerous job. Security guards and prison guards are the first people in the line of defense on site making sure everything is going according to protocol. The average annual car insurance rate for security or prison guards is $1,227.74.
Company | Rank | See Pros/Cons | Security & Prison Employee Discount | Multi-Policy Discount | Best for |
---|---|---|---|---|---|
#1 | USAA | Up to 15% | Up to 20% | Customer Service | |
#2 | State Farm | Up to 10% | Up to 15% | Big Discounts | |
#3 | Progressive | Up to 12% | Up to 12% | Safe-Driving Discounts | |
#4 | Geico | Up to 8% | Up to 10% | Online Convenience | |
#5 | Farmers | Up to 10% | Up to 15% | Bundle Discounts | |
#6 | Nationwide | Up to 9% | Up to 14% | Multi-Policy Discounts | |
#7 | Liberty Mutual | Up to 12% | Up to 18% | Add-on Coverages | |
#8 | Travelers | Up to 11% | Up to 16% | Usage Discount | |
#9 | American Family | Up to 7% | Up to 13% | Policy Options | |
#10 | Esurance | Up to 9% | Up to 14% | Quick Claims |
No matter what occupation you have, you can compare car insurance rates from top companies now by entering your ZIP code in the FREE tool box above!
#1 – USAA: Customer-Centric Savings
USAA stands out as the top choice for security and prison employees, offering remarkably affordable rates, customer-centric savings, and tailored coverage to meet the unique needs of these professionals.
Dani Best Licensed Insurance Producer
Pros
- Generous discounts: USAA offers up to 15% in multi-policy discounts and up to 20% for safe-driving, providing substantial savings for policyholders.
- Top-notch customer service: Recognized for exceptional customer service, USAA ensures that security and prison employees receive prompt and reliable support.
- Comprehensive coverage: Beyond discounts, USAA provides a wide range of coverage options, allowing for tailored protection to meet individual needs.
Cons
- Membership requirement: USAA is limited to military members and their families, excluding a significant portion of potential customers.
- Limited physical presence: Some may find the lack of physical branch locations inconvenient for in-person interactions.
Read more: USAA Car Insurance Review
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
Secured with SHA-256 Encryption
#2 – State Farm: Unlocking Big Discounts
Pros
- Flexible discounts: State Farm offers a range of discounts, including up to 10% for security and prison employees, ensuring customizable savings.
- Diverse coverage options: State Farm provides various coverage options, allowing policyholders to tailor their plans to specific needs.
- Financial strength: With a strong financial standing, as indicated by their A+ rating, State Farm provides stability and reliability.
Cons
- Premium costs: While offering discounts, State Farm’s base premiums may be higher compared to some competitors.
- Limited online convenience: Some customers may find State Farm’s online interface less intuitive compared to other companies.
Read more: State Farm Car Insurance Review
#3 – Progressive: Safe Driving and Smart Savings
Pros
- Safe-driving discounts: Progressive’s emphasis on safe-driving discounts, up to 12%, rewards policyholders for responsible driving habits.
- User-friendly online platform: Progressive’s online convenience ensures easy policy management, claims filing, and quick access to information.
- Flexible discounts: Progressive offers a variety of discounts beyond safe driving, catering to diverse customer needs.
Cons
- Average customer service: Some customers may find Progressive’s customer service to be less personalized compared to other insurers.
- Premium costs: While competitive, Progressive’s premiums may not always be the most affordable for every individual.
Read more: Progressive Car Insurance Review
#4 – Geico: Seamless Security Savings
Pros
- Online convenience: Geico’s emphasis on online convenience simplifies the policy management process, making it easy for security and prison employees to handle their insurance needs.
- Competitive discounts: Offering up to 10% in multi-policy discounts, Geico provides attractive savings for those bundling their insurance coverage.
- Financial stability: Geico’s strong financial standing ensures reliability and the ability to fulfill claims promptly.
Cons
- Limited personalized service: Geico’s predominantly online model may result in less personalized customer service compared to companies with a stronger agent presence.
- Discount limitations: While offering discounts, the maximum percentage may not be as high as some competitors.
Read more: Geico Car Insurance Review
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
Secured with SHA-256 Encryption
#5 – Farmers: Bundled Benefits Unleashed
Pros
- Bundle discounts: Farmers’ up to 15% bundle discounts provide substantial savings for security and prison employees combining multiple insurance policies.
- Policy options: Farmers offers diverse policy options, allowing customers to customize coverage based on individual needs.
- Financial stability: Farmers’ financial stability, reflected in its A rating, instills confidence in policyholders regarding the company’s ability to meet obligations.
Cons
- Premium costs: While offering discounts, Farmers’ base premiums may be higher compared to some competitors.
- Online interaction: Customers who prefer in-person interactions may find Farmers’ online-focused model less appealing.
Read more: Farmers Car Insurance Review
#6 – Nationwide: Multiply Your Savings
Pros
- Multi-policy discounts: Nationwide offers up to 14% in multi-policy discounts, ensuring significant savings for security and prison employees bundling coverage.
- Coverage options: Nationwide provides a variety of coverage options, allowing customers to tailor policies to their specific needs.
- Financial stability: With a strong financial standing, Nationwide ensures stability and reliability in meeting policy obligations.
Cons
- Premium costs: While offering discounts, Nationwide’s base premiums may be higher compared to some competitors.
- Customer service ratings: Some customers may find Nationwide’s customer service ratings to be average compared to other insurers.
#7 – Liberty Mutual: Enhanced Coverage, Extra Savings
Pros
- Add-on coverages: Liberty Mutual stands out with up to 18% in add-on coverages, providing enhanced protection for security and prison employees.
- Financial stability: Liberty Mutual’s strong financial standing ensures reliability and the ability to fulfill claims promptly.
- Bundle discounts: Offering up to 12% in bundle discounts, Liberty Mutual provides substantial savings for those combining multiple insurance policies.
Cons
- Premium costs: While offering discounts, Liberty Mutual’s base premiums may be higher compared to some competitors.
- Limited personalized service: Liberty Mutual’s predominantly online model may result in less personalized customer service compared to companies with a stronger agent presence.
Read more: Liberty Mutual Car Insurance Review
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
Secured with SHA-256 Encryption
#8 – Travelers: On-the-Go Savings
Pros
- Usage discount: Travelers offers up to 16% in usage discounts, rewarding security and prison employees for responsible driving habits.
- Multi-policy discounts: Providing up to 11% in multi-policy discounts, Travelers ensures additional savings for those with multiple insurance products.
- Financial stability: With a strong financial standing, Travelers ensures stability and reliability in meeting policy obligations.
Cons
- Premium costs: While offering discounts, Travelers’ base premiums may be higher compared to some competitors.
- Customer service ratings: Some customers may find Travelers’ customer service ratings to be average compared to other insurers.
Read more: Travelers Car Insurance Review
#9 – American Family: Options That Matter
Pros
- Policy options: American Family offers diverse policy options, allowing customers to customize coverage based on individual needs.
- Bundle discounts: Providing up to 13% in bundle discounts, American Family ensures substantial savings for those combining multiple insurance policies.
- Financial stability: With a strong financial standing, American Family ensures stability and reliability in meeting policy obligations.
Cons
- Premium costs: While offering discounts, American Family’s base premiums may be higher compared to some competitors.
- Customer service ratings: Some customers may find American Family’s customer service ratings to be average compared to other insurers.
Read more: American Family Car Insurance Review
#10 – Esurance: Swift Protection and Quick Savings
Pros
- Quick claims: Esurance stands out with a focus on quick claims processing, ensuring security and prison employees experience efficient service during the claims process.
- Competitive discounts: Offering up to 14% in multi-policy discounts and up to 9% for other discounts, Esurance provides attractive savings for policyholders.
- Financial stability: Esurance’s strong financial standing ensures reliability and the ability to fulfill claims promptly.
Cons
- Limited personalized service: Esurance’s predominantly online model may result in less personalized customer service compared to companies with a stronger agent presence.
- Discount limitations: The maximum percentage for certain discounts may not be as high as some competitors.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
Secured with SHA-256 Encryption
Security Guard Responsibilities
The responsibilities of security guards vary greatly depending on where the job is located. It is important to distinguish between armed guards and unarmed guards. Unarmed guards are often paid just slightly over minimum wage and have the main responsibility of patrolling or observing.
Insurance Company | Full Coverage | Minimum Coverage |
---|---|---|
USAA | $59 | $22 |
State Farm | $86 | $33 |
Progressive | $105 | $39 |
Geico | $80 | $30 |
Farmers | $139 | $44 |
Nationwide | $115 | $44 |
Liberty Mutual | $174 | $68 |
Travelers | $99 | $37 |
American Family | $117 | $44 |
Esurance | $114 | $46 |
When considering car insurance rates tailored for security and prison employees, it’s crucial to examine the specific coverage costs offered by leading insurance providers. USAA stands out with a remarkably affordable full coverage rate at $59 per month and a minimum coverage rate of $22. State Farm, another top contender, offers full coverage at $86 monthly and minimum coverage at $33.
Progressive, recognized for competitive rates, presents a full coverage option at $105 and a minimum coverage rate of $39. These figures underscore the importance of exploring not only the overall cost but also the nuanced coverage options provided by each company to ensure comprehensive and cost-effective protection for security and prison employees.
An unarmed security guard typically carries pepper spray or another non-lethal item that can be used for defense. They are meant to be a deterrent. Unarmed security guards let individuals know that the area is being monitored and if trouble arises, the police will be contacted. There is no special licensing to be an unarmed guard. They typically guard areas like:
- Gated communities
- Parking lots
- Stores
- Other public venues
Armed guards have different responsibilities. Becoming an armed guard requires training in firearms, experience, and in most states, a state license.
The criminal background checks are more in depth and character references are researched.
Anyone that is given the power to possess a firearm with authority must meet certain requirements. Armed security guards make, on the average, $15 per hour. Armed security guards have the responsibility of guarding individuals and facilities. An armed security guard may work:
- As a personal security guard
- In a federal or state government building
- At a bank or other facility that houses money
- Drive an armored car
- At public events such as concerts or other venues that have the potential to become rowdy
Read more: Compare State Employee Car Insurance Rates
Prison Guard Responsibilities
Prison guards have a variety of responsibilities depending on where in the jail they are located. No matter what part of the prison system they work in, it is imperative that protocol is followed. Some guards check prisoners in and make sure they are delivered safely to their cell.
Other guards are processors that complete all the paperwork and details of new prisoners, transfer prisoners, and releases. Some prison guards are floor guards. This means that they monitor prisoners while they are in their cells, out in the yard, or eating. They deliver items to prisoners and move them to and from their cells as needed.
Floor guards are the first line of defense if a fight or other trouble breaks out among prisoners. The third specific type of prison guards is transport guards. These guards escort prisoners from one destination to another. It could be moving a prisoner from one prison to another, driving prisoners to release points, or escorting sick prisoners to a hospital or court hearing.
Case Studies: Tailored Coverage and Savings for Security and Prison Employees
Case Study 1: USAA – Exceptional Service and Exceptional Savings
John, a security guard with a spotless driving record, sought comprehensive car insurance tailored to his needs. USAA, known for its commitment to military and security professionals, caught his attention. John needed cost-effective coverage with top-notch customer service to align with his demanding job as a security professional.
USAA provided John with a multi-policy discount of 15% and an additional 20% discount for his exemplary driving record. The seamless customer service experience further solidified his choice. John not only secured comprehensive coverage but also enjoyed substantial savings. USAA’s customer-centric approach made managing his policy stress-free, allowing him to focus on his security duties without worries.
Case Study 2: State Farm – Maximizing Discounts
Emily, a prison employee, needed robust coverage that accommodated her budget constraints. State Farm, known for its diverse discounts, caught her attention. Emily sought affordable coverage without compromising on essential protections, considering the unique challenges of her job.
State Farm offered Emily up to 10% in security and prison employee discounts, along with an additional 15% discount for bundling her policies. These big discounts aligned with her financial goals. Emily not only found budget-friendly coverage but also benefited from the convenience of bundling. State Farm’s tailored discounts addressed her specific needs, providing comprehensive coverage at a reasonable cost.
Case Study 3: Progressive – Safe Driving and Smart Savings
Mark, a security professional with a focus on safe driving habits, was looking for an insurance provider that rewarded responsible behavior. Progressive, renowned for its safe-driving discounts, caught his attention. Mark prioritized safe driving and wanted an insurer that recognized and rewarded his careful habits behind the wheel.
Progressive offered Mark up to 12% in safe-driving discounts, acknowledging his commitment to road safety. The online convenience also appealed to Mark’s tech-savvy preferences. Mark not only secured coverage that aligned with his values but also enjoyed significant savings based on his safe-driving habits. Progressive’s emphasis on technology and discounts for responsible driving made it the perfect fit for his needs.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
Secured with SHA-256 Encryption
Security and Prison Guard Car Insurance
The car insurance rates for security and prison guards are at the higher range of prices when compared to other occupations. When looking for car insurance, you will be asked what your occupation is because this is part of the process in giving a final quote. The insurance industry looks at the typical driving patterns of certain occupations to determine these quotes.
Security guards and prison guards were found to drive a little more carelessly than other drivers based on recent surveys.
Their driving skills are due to the fact that they are used to looking at their surroundings and taking control of situations so they tend to drive more aggressively and feel like they are driving in a safe manner. Also, guards tend to work a variety of hours. Since guarding is a 24 hour a day need, individuals may be working morning, mid, or night shifts.
The variety of work hours also increases the rate of insurance slightly since guards may be driving at more accident prone times of the evening or very early morning.
Read More:
No matter what occupation you have, you can compare car insurance rates from top companies now by entering your ZIP code in the FREE box below!
Frequently Asked Questions
What are the average car insurance rates for security/prison workers?
The average rates for car insurance for security/prison workers are $102.31/mo or $1,227.74/yr.
What factors can affect car insurance rates for security/prison workers?
Factors like careless driving patterns and driving after long shifts can raise your rates for car insurance for security/prison workers.
What are the responsibilities of security guards?
The responsibilities of security guards vary depending on whether they are armed or unarmed. Unarmed guards typically patrol or observe areas, while armed guards are trained in firearms and have the responsibility of guarding individuals and facilities.
What are the responsibilities of prison guards?
Prison guards have various responsibilities, such as checking prisoners in, completing paperwork for new prisoners or transfers, monitoring prisoners in cells or during activities, and escorting prisoners to different destinations.
Can I compare car insurance rates from different companies?
Yes, you can compare car insurance rates from top companies by entering your ZIP code in the free quote tool provided.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
Secured with SHA-256 Encryption
Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.