The car, truck, or SUV you are buying coverage for is a large factor when quoting the most affordable auto insurance for handicapped drivers. Vehicles with reasonable performance levels, a great safety record, or a low likelihood of liability claims will cost substantially less to insure than fast, unsafe models.
The data below presents coverage costs for a selection of the more affordable automobiles to buy insurance for.
| Vehicle Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Hyundai Elantra GLS Touring Station Wagon | $1,209 |
| Ford Escape XLT 4WD | $1,234 |
| Toyota Tacoma Double Cab 4WD | $1,251 |
| Chevrolet Silverado LT Extended Cab 4WD | $1,259 |
| Toyota RAV4 Limited 4WD | $1,251 |
| Chevrolet Malibu LS | $1,256 |
| Ford Fusion S 4-Dr Sedan | $1,251 |
| Ford Explorer Limited 4WD | $1,274 |
| Honda Accord EX 4-Dr Sedan | $1,295 |
| Toyota Corolla LE | $1,314 |
| Honda CR-V EX 4WD | $1,325 |
| Chevrolet Silverado 2500HD LTZ Crew Cab 4WD | $1,337 |
| Honda Odyssey EX W/Rear Entertainment | $1,405 |
| Hyundai Sonata SE 4-Dr Sedan | $1,407 |
| Chevrolet Impala LT | $1,430 |
| Chevrolet Equinox LT AWD | $1,436 |
| Jeep Grand Cherokee Laredo 2WD | $1,430 |
| Toyota Prius | $1,440 |
| Dodge Grand Caravan CV | $1,451 |
| Ford F-150 Lariat Crew Cab 4WD | $1,458 |
| Start a Quote Go | |
Table data represents single female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Florida minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, safe-driver, and multi-policy. Premium costs do not factor in specific zip code location which can increase or decrease rates substantially.
Based on these rates, you can infer that models like the Hyundai Elantra, Ford Escape, Toyota Tacoma, and Chevrolet Silverado will be the most budget-friendly vehicles to insure for drivers with handicaps.
For drivers with handicaps, one of the more important considerations that are looked at to help calculate the price you pay for insurance is where you call home in Jacksonville. Areas with more people or more claims are more likely to pay higher prices, whereas less populated areas have the benefit of cheaper car insurance.
The table below lists the highest-priced areas in Florida for handicapped drivers in which to buy car insurance. Jacksonville is listed at #20 having an annual price of $1,980 on average, which is approximately $165 each month.
| Rank | City | Annual Premium |
|---|---|---|
| 1 | Hialeah | $3,630 |
| 2 | Miami | $3,273 |
| 3 | Miami Gardens | $3,181 |
| 4 | Miami Beach | $2,923 |
| 5 | West Palm Beach | $2,625 |
| 6 | Pompano Beach | $2,620 |
| 7 | Hollywood | $2,604 |
| 8 | Miramar | $2,603 |
| 9 | Fort Lauderdale | $2,550 |
| 10 | Tampa | $2,532 |
| 11 | Coral Springs | $2,499 |
| 12 | Davie | $2,448 |
| 13 | Pembroke Pines | $2,431 |
| 14 | Brandon | $2,392 |
| 15 | St. Petersburg | $2,196 |
| 16 | Clearwater | $2,194 |
| 17 | Spring Hill | $2,039 |
| 18 | Orlando | $2,008 |
| 19 | Port St. Lucie | $1,994 |
| 20 | Jacksonville | $1,980 |
| 21 | Cape Coral | $1,917 |
| 22 | Lakeland | $1,845 |
| 23 | Tallahassee | $1,784 |
| 24 | Palm Bay | $1,733 |
| 25 | Gainesville | $1,646 |
| Quote Best Rates Go | ||
Table data uses estimated as vehicle location can impact insurance rates greatly.
Choosing a highly-rated insurer can be difficult considering how many choices drivers have in Florida. The information below could help you analyze which insurers to look at when shopping around. The ratings below only include the largest companies in America, so companies that only write business in Florida or surrounding areas are not included in the list.
Top 10 Large Auto Insurance Providers Overall in Jacksonville
- Travelers
- USAA
- Mercury Insurance
- AAA Insurance
- Nationwide
- Allstate
- State Farm
- The Hartford
- Safeco Insurance
- Progressive
The chart below illustrates how your choice of deductibles can affect yearly insurance costs when trying to find cheap insurance for handicapped drivers. The rate quotes are based on a married male driver, comp and collision included, and no policy discounts are applied.
In the chart above, a 30-year-old driver could pocket $446 a year by switching the physical damage coverage from a $100 deductible up to a $500 deductible, or save $674 by choosing a $1,000 deductible. Even younger insureds, such as the 20-year-old example, can cut up to $1,354 annually just by choosing larger deductibles. When insureds make the decision to increase the deductibles on their policy, it will be important to have enough funds in savings to enable you to pay the extra out-of-pocket expense, which is the one inconvenience of using high deductibles.
Why you should be shopping around
Jacksonville auto insurance rates are influenced by many factors that may substantially change the price you have to pay. Simply turning a year older, buying a home, or getting a ticket for careless driving can trigger changes in premium that may make certain companies cheaper in comparison to the competition. Not only may your risk profile change, but insurers amend pricing as needed to reflect underwriting profits or losses. Significantly higher losses may result in higher rates, while profitable underwriting can result in cheaper Jacksonville car insurance rates.
For instance, the graph below analyzes the cheapest car insurance in Jacksonville, FL for a 45-year-old male driver with a clear driving record, no claims, and solid credit. Based on his current situation, USAA quotes the cheapest car insurance rates in Jacksonville at $1,117 per year. This is $1,331 less than the average premium paid by Florida drivers of $2,448. Amica, Electric, Progressive, and Allied are the remaining cheapest Jacksonville, FL auto insurance companies.
Let’s now give the driver from the first set of rates a chargeable accident, a lower credit rating, and a few blemishes on his driving record. Because every insurance company has their own guidelines for establishing rates, comparing rates may now show a different set of cheap Jacksonville auto insurance companies as shown below.
USAA now has the cheapest auto insurance in Jacksonville with Mercury, Auto-Owners, Esurance, and State Farm also having competitive pricing. This example proves why drivers need to compare lots of rates when trying to find the lowest insurance rates for handicapped drivers.
Auto insurance prices are impacted by many risk factors and change substantially, so the cheapest rate when you last compared rates may now be priced much higher than other options.