Deciphering which company offers the cheapest insurance rates for safe drivers requires a little more sweat than just picking a company at random. Every auto insurer has a proprietary method for determining rates, so let’s take a look at the overall cheapest insurance companies in Florida.
Keep in mind that Jacksonville insurance rates are based on many factors that may substantially change the policy premium. Simply improving your credit, adding a teenager to your policy, or getting a driving violation can cause premium changes that can cause some rates to be cheaper than others.
Find the Cheapest Car Insurance for Safe Drivers
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $977 |
| 2 | Electric | $1,746 |
| 3 | Amica | $1,764 |
| 4 | Progressive | $1,847 |
| 5 | Travelers | $1,888 |
| 6 | Mercury | $1,973 |
| 7 | Allied | $1,985 |
| 8 | Esurance | $2,102 |
| 9 | State Farm | $2,131 |
| 10 | Auto-Owners | $2,171 |
| 11 | GEICO | $2,172 |
| 12 | Allstate | $2,340 |
| 13 | 21st Century | $2,397 |
| 14 | Windhaven Insurance | $2,653 |
| 15 | Safeco | $2,898 |
| 16 | MetLife | $2,900 |
| 17 | Liberty Mutual | $3,009 |
| 18 | Hanover | $3,054 |
| 19 | United Automobile | $3,457 |
| 20 | Direct General | $3,902 |
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USAA normally has some of the lowest car insurance rates in Jacksonville at around $977 per year. This is $1,471 less than the average price paid by Florida drivers of $2,448. Electric, Amica, Progressive, and Travelers would also be considered some of the most economical Jacksonville, FL auto insurance companies.
As shown above, if you are insured with Progressive and switched to Electric, you may realize savings of in the neighborhood of $101. Insureds with Travelers could save as much as $142 a year, and Mercury insureds might cut rates by $227 a year.
These estimates are averages for all types of insureds and vehicles and are not factoring in a specific zip code for safe drivers. So the company that can offer you the best price may not even be in the top 21 companies shown above. That helps illustrate why you need to get rate quotes using your own driver data and vehicle information.
The type of vehicle needing coverage is a significant factor that determines if you can find the lowest-priced coverage for safe drivers. Vehicles with reasonable performance levels, excellent safety ratings, or a positive history of liability claims will cost less to insure than higher performance models. The next list showcases auto insurance costs for a handful of the most affordable automobiles to insure in Florida.
| Vehicle Insured | Estimated Cost for Full Coverage |
|---|---|
| Ford Escape Limited 2WD | $1,016 |
| Honda Accord EX 4-Dr Sedan | $1,081 |
| Honda CR-V EX 2WD | $1,108 |
| Ford Edge SEL AWD | $1,147 |
| Toyota RAV4 Sport 4WD | $1,171 |
| Dodge Grand Caravan Crew | $1,193 |
| Ford F-150 FX4 Super Cab 4WD | $1,202 |
| Honda Civic EX 4-Dr Sedan | $1,210 |
| Toyota Tacoma 4WD | $1,219 |
| Ford Focus SES 4-Dr Sedan | $1,210 |
| Toyota Prius | $1,239 |
| Honda Odyssey EX W/Rear Entertainment | $1,249 |
| Chevrolet Impala LS | $1,257 |
| Nissan Rogue S 2WD | $1,254 |
| Hyundai Sonata GLS 4-Dr Sedan | $1,263 |
| Compare Cheap Rates Go | |
Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Florida minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, multi-policy, and claim-free. Price estimates do not factor in the specific area where the vehicle is garaged which can influence prices greatly.
Based upon the table data, models like the Ford Escape, Honda Accord, Honda CR-V, and Ford Edge should be some of the more affordable vehicles to insure for good drivers.
For good drivers, one of the more important considerations that are looked at to help calculate the cost of insurance is where you live in Jacksonville. Areas with more people or higher crime rates tend to pay slightly more, whereas areas with fewer weather claims and lower vehicle theft rates benefit from lower rates.
The information below lists the priciest cities in Florida for safe drivers to purchase a policy in. Jacksonville comes in at #19 with the yearly price of $2,020 for the average policyholder, which is approximately $168 each month.
| Rank | City | Annual Premium |
|---|---|---|
| 1 | Hialeah | $3,523 |
| 2 | Miami | $3,241 |
| 3 | Miami Gardens | $3,181 |
| 4 | Miami Beach | $3,043 |
| 5 | Tampa | $2,636 |
| 6 | West Palm Beach | $2,625 |
| 7 | Hollywood | $2,604 |
| 8 | Miramar | $2,603 |
| 9 | Fort Lauderdale | $2,550 |
| 10 | Coral Springs | $2,549 |
| 11 | Pompano Beach | $2,543 |
| 12 | Davie | $2,473 |
| 13 | Pembroke Pines | $2,407 |
| 14 | Brandon | $2,368 |
| 15 | St. Petersburg | $2,196 |
| 16 | Clearwater | $2,172 |
| 17 | Spring Hill | $2,123 |
| 18 | Orlando | $2,029 |
| 19 | Jacksonville | $2,020 |
| 20 | Port St. Lucie | $1,916 |
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Prices are estimated as specific Jacksonville garaging address can affect premium rates noticeably.
Liability rates compared to full coverage
Saving money on insurance is probably important to the majority of drivers, and one of the best ways to pay less for insurance for safe drivers is to buy only liability coverage. The information below illustrates the comparison of auto insurance costs when comparing full coverage to liability only. The prices are based on no claims or driving citations, $100 deductibles, single status, and no discounts are applied to the premium.
If averaged out across all ages, full coverage on your policy costs an extra $2,656 per year more than carrying just liability coverage. At some point, almost every driver questions when is it a good idea to stop buying full coverage. There is no exact rule of when to stop paying for physical damage coverage, but there is a broad guideline. If the yearly cost for physical damage coverage is more than around 10% of the vehicle’s replacement cost less your deductible, then you may want to consider only buying liability coverage.
There are some scenarios where dropping full coverage is not a good idea. If you still have a lienholder on your title, you have to carry full coverage to satisfy the loan requirements. Also, if you can’t afford to buy a different vehicle in the even your car is totaled, you should not remove full coverage.
Ending up with a good quality insurance company can be difficult considering how many different companies sell coverage in Florida. The information in the next section can help you choose which auto insurance companies to look at when comparing rates. The rankings below are only made up of the largest companies in the United States, so smaller companies are not included in these rankings.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| Travelers | 93 | 98 | 99 | 88% | A++ | 95.1 |
| USAA | 83 | 99 | 100 | 91% | A++ | 94.1 |
| Mercury Insurance | 97 | 96 | 88 | 89% | A+ | 93.4 |
| AAA Insurance | 91 | 95 | 92 | 90% | A | 93.3 |
| Nationwide | 85 | 95 | 97 | 89% | A+ | 92.4 |
| Allstate | 77 | 100 | 97 | 88% | A+ | 90.7 |
| State Farm | 80 | 94 | 96 | 88% | A++ | 90.6 |
| The Hartford | 88 | 93 | 91 | 87% | A+ | 90.4 |
| Safeco Insurance | 91 | 95 | 85 | 88% | A | 90.2 |
| Progressive | 88 | 94 | 83 | 88% | A+ | 90.1 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
How to find the cheapest auto insurance for safe drivers
Here are many thrifty suggestions that can help you quote cheap coverage.
- Pay for small claims rather than turning them in to your insurance company
- Maintain a clean driving record
- Save money by insuring your home and auto with the same company
- Do not pay for full coverage if not needed
- Safe vehicles generally have lower rates
- Prevent rate increases by staying accident-free
- Shop around for lower rates once a year
The last idea is remarkably necessary, as was affirmed in this write-up. Coverage prices change a lot, so don’t be hesitant to switch carriers if you find a cheaper price.
Having a favorite company is fine, but it’s not a good idea if your bullheadedness ends up costing you money that could be spent on other things. Take a couple minutes and compare rates to find cheaper auto insurance for safe drivers in Jacksonville.