The words “cheap” and “insurance” really don’t belong together, specifically when comparison shopping for the cheapest car insurance for high school students. In an attempt to save some money, let’s familiarize you with a few of the factors that help determine car insurance prices, and figure out some ideas to take a little off your next policy.
One of the more important criteria that determine auto insurance rates is where you call home in Jacksonville. More populated areas likely pay more, whereas areas with lower crime rates and fewer weather claims have the benefit of cheaper auto insurance prices.
The table below ranks the highest-priced places in Florida for high school students to buy auto insurance in. Jacksonville is ranked at #18 with an annual cost of $2,040 for the average insured, which is around $170 monthly.
| Rank | City | Annual Rate |
|---|---|---|
| 1 | Hialeah | $3,523 |
| 2 | Miami Gardens | $3,245 |
| 3 | Miami | $3,241 |
| 4 | Miami Beach | $2,923 |
| 5 | Miramar | $2,629 |
| 6 | West Palm Beach | $2,625 |
| 7 | Hollywood | $2,604 |
| 8 | Fort Lauderdale | $2,576 |
| 9 | Tampa | $2,558 |
| 10 | Pompano Beach | $2,518 |
| 11 | Coral Springs | $2,474 |
| 12 | Davie | $2,448 |
| 13 | Pembroke Pines | $2,431 |
| 14 | Brandon | $2,298 |
| 15 | St. Petersburg | $2,263 |
| 16 | Clearwater | $2,172 |
| 17 | Spring Hill | $2,060 |
| 18 | Jacksonville | $2,040 |
| 19 | Orlando | $2,008 |
| 20 | Port St. Lucie | $1,935 |
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Rate quotes are approximated as the specific area where the vehicle is garaged can increase or decrease rates noticeably.
Determining which companies have the lowest-priced auto insurance rates for high school students may require a bit more work in order to find the lowest price quote.
Each company has a proprietary formula for establishing rates, so we will examine the overall cheapest auto insurance companies in Florida.
Find the Best Cheap Insurance for Students
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $948 |
| 2 | Electric | $1,712 |
| 3 | Amica | $1,712 |
| 4 | Progressive | $1,793 |
| 5 | Travelers | $1,926 |
| 6 | Mercury | $1,933 |
| 7 | Allied | $1,985 |
| 8 | Esurance | $2,040 |
| 9 | State Farm | $2,068 |
| 10 | GEICO | $2,086 |
| 11 | Auto-Owners | $2,171 |
| 12 | Allstate | $2,411 |
| 13 | 21st Century | $2,469 |
| 14 | Windhaven Insurance | $2,627 |
| 15 | Hanover | $2,934 |
| 16 | Safeco | $2,987 |
| 17 | MetLife | $2,988 |
| 18 | Liberty Mutual | $3,039 |
| 19 | United Automobile | $3,527 |
| 20 | Direct General | $4,062 |
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USAA offers some of the best car insurance rates in Jacksonville at around $948 a year. Electric, Amica, Progressive, and Travelers would also make the list of some of the cheaper Jacksonville, FL car insurance companies.
As the rates illustrate above, if you currently have coverage with Amica and switched to USAA, you may see yearly savings of upwards of $764. Policyholders with Progressive may save as much as $845 a year, and Travelers insureds might lower prices by $978 a year.
It’s important to note that these rates are averaged for all drivers and vehicles in Florida and and are not calculated with a specific zip code for high school students. So the car insurance company that has the cheapest rates for you may not even be in the list above. That point stresses why you need to get rate quotes using your own specific driver and vehicle information.
The make and model of vehicle you are trying to insure is probably the biggest factor in finding the best cheap auto insurance for high school students. Vehicles with high performance, poor passenger safety features, or a history of substantial liability claims will cost substantially more to insure than safer, lower-performance models. The next table illustrates car insurance costs for a handful of the most economical vehicles to buy insurance for.
| Vehicle Insured | Estimated Cost for Full Coverage |
|---|---|
| Honda CR-V EX 4WD | $4,375 |
| Ford Escape Limited 4WD | $4,665 |
| Toyota Prius | $4,713 |
| Ford Edge SE 2WD | $4,796 |
| Dodge Grand Caravan SE | $4,844 |
| Ford Focus S 4-Dr Sedan | $5,085 |
| Chevrolet Impala LS | $5,092 |
| Toyota RAV4 4WD | $5,133 |
| Volkswagen Jetta S 4-Dr Sedan | $5,139 |
| GMC Sierra SL Extended Cab 2WD | $5,133 |
| Chevrolet Equinox LS AWD | $5,138 |
| Toyota Tacoma Double Cab TRD Off-Road Package 4WD | $5,182 |
| Ford Explorer Eddie Bauer 4WD | $5,187 |
| Hyundai Elantra Blue 4-Dr Sedan | $5,372 |
| Toyota Camry XLE | $5,420 |
| Honda Odyssey EX-L W/Navigation | $5,430 |
| Toyota Corolla XRS | $5,469 |
| Jeep Grand Cherokee SRT-8 4WD | $5,475 |
| Chevrolet Malibu LTZ | $5,469 |
| Ford Fusion SE 4-Dr Sedan | $5,474 |
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Cost estimates assume single male driver age 18, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Florida minimum liability limits. Discounts applied include safe-driver, and claim-free. Rate quotes do not factor in specific Jacksonville, FL garaging location which can modify premiums greatly.
Looking at the rates, you can see that makes and models like the Honda CR-V, Ford Escape, and Toyota Prius will definitely be some of the most affordable vehicles to insure for teenagers. Auto insurance rates will tend to be higher because there is more exposure for high school students, but overall those models will tend to have the best rates compared to all other vehicles.
The illustration below shows how choosing a deductible can increase or decrease insurance rates when researching cheap insurance for high school students. The costs are based on a single female driver, full physical damage coverage, and no policy discounts are applied.
As shown above, a 40-year-old driver could pocket $332 a year by changing from a $100 deductible up to a $500 deductible, or save $500 by changing to a $1,000 deductible. Young drivers, such as the Age 20 example, have the ability to save $838 every year just by using higher deductibles. When increasing deductibles, it is a good idea to have spare funds to offset the extra out-of-pocket expense. This is the primary disadvantage of choosing high deductibles.
Buying coverage from the top auto insurance company can be a challenge considering how many different companies there are to choose from in Jacksonville. The information displayed below could help you analyze which car insurance companies to look at shopping prices with. These rankings only include companies that write coverage in many states, so companies with more of a regional focus are not factored into these rankings.
Top 10 Major Auto Insurance Companies in Jacksonville Ranked by Value
- Mercury Insurance
- Travelers
- American Family
- AAA Insurance
- Safeco Insurance
- Progressive
- The Hartford
- The General
- 21st Century
- Esurance
Top 10 Major Auto Insurance Companies in Jacksonville Ranked by A.M. Best Rating
- Travelers – A++
- USAA – A++
- GEICO – A++
- State Farm – A++
- Titan Insurance – A+
- Esurance – A+
- Progressive – A+
- The Hartford – A+
- Allstate – A+
- Nationwide – A+
How to find budget-friendly car insurance for high school students
It is possible to find better rates, and here are some of the recommended thrifty suggestions that can help Florida drivers get cheaper auto insurance.
- Improve your credit rating
- Safe vehicles generally have lower rates
- Raise comprehensive and collision coverage deductibles
- Accident-free drivers may qualify for discounts
- Do not get traffic violations
- Compare price quotes at least once a year
The last idea is particularly valuable, as we noted in the prior information. Prices charged by car insurance companies in Jacksonville fluctuate considerably, so drivers shouldn’t be reluctant to switch carriers if you find a cheaper price. Staying with the same company for years is fine, but it’s not a great idea if that dedication is costing lots of money. If you have a few minutes, now is a great time to compare prices to find cheaper car insurance for high school students.
The Jacksonville, FL, insurance agents below are a good start to provide answers to your questions and help you determine which car insurance company is the best fit, since some people prefer to get some professional advice when trying to find lower insurance rates for teenagers. It can be complicated to find the best policy yourself, and getting advice from a licensed Florida insurance agent can bring peace of mind knowing your coverage gives you enough coverage when you need it.
To locate a Jacksonville auto insurance agent nearest to you, click the button after the list or click here to compare price quotes now.
- The Maverick Insurance Agency
9119 Merrill Rd #8 – Jacksonville, FL 32225 – (904) 743-6661 - Brightway Insurance
8206 Philips Hwy – Jacksonville, FL 32256 – (904) 527-3029 - Giella Insurance Agency
7855 Argyle Forest Blvd #502 – Jacksonville, FL 32244 – (904) 783-3388 - Ray Moore – State Farm Insurance Agent
109 New Berlin Rd – Jacksonville, FL 32218 – (904) 751-6643