Hear from Our Customers
Most people shopping for a Ford police interceptor utility aren’t doing it for fun. You need a vehicle that works hard, lasts long, and doesn’t drain your bank account. Maybe you’re running deliveries in Westchester County, need a second car for the family, or you’re building a small fleet and can’t justify $40,000 per vehicle.
Here’s what you actually get when you buy a used cop car from us. A Ford Explorer police interceptor with a twin-turbo V6 pushing 400 horsepower. Heavy-duty suspension, reinforced frame, upgraded alternator, and a vehicle that was maintained on a strict schedule while in service. These aren’t clapped-out auction cars with mystery histories—they’re handpicked interceptors that spent their lives in municipal fleets, not high-speed chases.
And you’re paying somewhere between $5,000 and $15,000 instead of $30,000+. That’s the difference between financing a car for five years and owning it outright in one. Between choosing what you can afford and choosing what you actually want.
State Surplus Auto Sales was started by Carmen Yannuzzi, a law enforcement officer with over 25 years on the job. He saw well-maintained government vehicles heading to auction and realized they’d make excellent, affordable options for people who needed reliable transportation without the new-car price tag.
We’ve been doing this in New Rochelle, NY since 1988. That’s over three decades of connecting people with quality used police cars for sale—vehicles we know inside and out because we come from that world. We’re not a big lot trying to move volume. We’re a family operation that understands what these Ford interceptors were built for, how they were used, and what they’re worth.
No credit, bad credit—doesn’t matter here. Everyone gets approved with 0% interest financing. You’ll work with people who know cars, not salespeople reading off a script.
You start by browsing what’s available. We keep our inventory updated with Ford police interceptor utility vehicles, Dodge Chargers, and other government vehicles. Each listing shows the year, mileage, price, and photos so you know what you’re looking at before you ever call.
When you find something that fits, reach out. We’ll walk you through the vehicle’s history—where it came from, how it was used, what’s been done to it since we got it. You’re welcome to come see it in person at our New Rochelle location, ask questions, and take a close look. We don’t hide the holes in the dash or the scratches from old decals. You’ll see exactly what you’re buying.
Once you’re ready, we handle financing on the spot. Zero percent interest, no matter your credit situation. You’re not filling out applications with six different banks. We approve you, set up a payment plan that works, and get you the keys. Most people drive home the same day.
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Every Ford interceptor for sale at our lot comes with the specs that made it a police vehicle in the first place. That means a more powerful engine than the civilian version—usually a 3.0L or 3.5L EcoBoost V6 with turbocharging. It means a reinforced frame, heavy-duty brakes, upgraded cooling systems, and a suspension designed to handle weight and speed.
You’re also getting a vehicle that lived its life on a maintenance schedule. Municipal fleets don’t skip oil changes or let small problems turn into big ones. These interceptors were built to run hard and maintained to keep running. That’s a different level of durability than your average used car that bounced between three owners and two states.
In New Rochelle, NY, where you’re dealing with highway commutes, city traffic, and everything in between, that durability matters. You’re not babying this car. You’re using it. And with our zero-interest financing, you’re not stretching your budget to make it happen. Most comparable vehicles in Westchester County are listed well above $20,000. Here, you’re looking at half that or less—and you’re getting a vehicle that’s overbuilt, not underbuilt.
The Ford police interceptor utility isn’t just a rebadged Explorer. It’s a separate build with performance and durability upgrades you won’t find on the civilian model. You’re looking at a more powerful engine—often a twin-turbo V6 rated for 400 horsepower compared to the standard 300. The suspension is reinforced to handle high-speed driving and additional weight from equipment. Brakes are larger and more responsive. The cooling system is upgraded to prevent overheating during extended idling or pursuit situations.
You’ll also find a heavy-duty alternator, steel wheels instead of alloy, and a reinforced frame designed to take more abuse. These aren’t luxury features—they’re functional upgrades that make the vehicle last longer under stress. The downside is you’ll see evidence of its previous life: mounting holes in the dash or roof, vinyl residue from decals, higher mileage from idling. But the upside is a vehicle that’s built like a tank and priced like a used sedan.
Mileage on a police interceptor for sale tells you less than you’d think. Yes, these vehicles rack up miles—but a lot of that comes from idling, not driving. A car that shows 80,000 miles might have 30,000 of those from sitting in parking lots with the engine running. That’s wear on the engine, but it’s different than 80,000 miles of highway driving.
What matters more is how the vehicle was maintained. Police fleets follow strict schedules for oil changes, brake checks, fluid top-offs, and part replacements. They don’t let things slide because downtime costs money and puts officers at risk. That’s a level of care most private owners never match. So while the odometer might look high, the actual condition is often better than a lower-mileage car that was neglected. We’re transparent about each vehicle’s history. You’ll know where it came from, how it was used, and what to expect.
Yes. We offer zero-interest financing to everyone, regardless of credit score. That’s not a promotion or a limited-time offer—it’s how we do business. No credit check, no denial, no runaround with banks that want to see three years of tax returns and a co-signer.
You pick the car, we approve you, and we set up a payment plan that fits your budget. Some people pay it off in six months. Others stretch it over two years. It’s flexible because we’re not answering to a lender—we’re working directly with you. This is especially helpful for people in New Rochelle, NY who need a reliable vehicle for work but don’t have perfect credit. You’re not getting stuck with a 15% interest rate that doubles the cost of the car. You’re paying what the car costs, split into manageable payments, and that’s it.
The biggest thing is cosmetic damage. Police interceptors will have holes in the dash, center console, or roof where equipment like radios, computers, and light bars were mounted. You’ll see scratches or adhesive residue where vinyl decals were removed. Some buyers don’t care. Others want a cleaner look and need to factor in the cost of covering or fixing those spots.
The second thing is understanding what “police use” actually means. These cars were driven hard—lots of idling, quick acceleration, sudden stops. They’re built for it, but that doesn’t mean they’re untouched. You’re buying a work vehicle, not a garage-kept weekend car. Check the undercarriage for rust if it came from a northern state. Ask about the vehicle’s history—was it a detective’s car that saw light use, or a patrol unit that ran three shifts a day? We’re upfront about all of this because surprises help no one. You’ll know exactly what you’re getting before you hand over a dollar.
Most insurance companies will cover a used police car without issue, but some might ask extra questions or charge slightly higher rates. It depends on the insurer and how they classify the vehicle. Some see “former police vehicle” and assume it was in pursuits every day. Others recognize it as a well-maintained fleet car and treat it like any other used Ford Explorer.
Before you buy, call your insurance company and ask. Give them the VIN if you have it. Get a quote in writing. That way you’re not surprised by a higher premium after the fact. In our experience, the difference is usually minimal—if there’s any difference at all. The bigger factor is your driving record and location, not the car’s previous life. And given how much you’re saving on the purchase price compared to a civilian vehicle, even a slightly higher insurance cost is still a net win.
A few reasons. First, they’re sold at government auctions where the goal is to move inventory, not maximize profit. Municipalities want these vehicles gone so they can buy new ones. That keeps prices low from the start. Second, there’s a stigma. Some buyers see the holes, the wear, the “police” history and assume the car is trashed. That keeps demand lower than it should be, which keeps prices down for people who know what they’re looking at.
Third, these cars don’t have the bells and whistles of a consumer vehicle. No leather seats, no sunroof, no premium sound system. You’re getting function over luxury. But if you need a vehicle that runs strong, handles well, and doesn’t cost a fortune, that trade-off makes sense. At State Surplus Auto Sales, we buy these interceptors at auction, inspect them, and price them fairly. You’re not paying dealership markups or financing fees. You’re getting a solid vehicle at a price that reflects what it is—a used work car with a lot of life left.
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