It’s hard to avoid all the captivating ads from companies like GEICO and Allstate claiming enormous savings. So you just need to pick one at random, right?
It’s not that easy, however, as there are a lot of unknown factors such as if you have points on your license, if you want full coverage included, and when you were born, that all impact the cost of your policy. In this article, we will cover the different ways to avoid overpaying and will give you some help in finding cheaper rates.
One of the more important things that are looked at to help calculate the cost of insurance is the neighborhood you call home. Areas with more people or higher crime rates are more likely to pay higher prices, whereas less populated areas have the benefit of cheaper auto insurance prices.
The illustration below shows the most expensive places in Florida for unemployed drivers to buy an auto insurance policy in. Jacksonville comes in at #19 with an annual rate of $1,980 for coverage, which is around $165 monthly.
| Rank | City | Premium Per Year |
|---|---|---|
| 1 | Hialeah | $3,630 |
| 2 | Miami Gardens | $3,277 |
| 3 | Miami | $3,145 |
| 4 | Miami Beach | $2,923 |
| 5 | Miramar | $2,683 |
| 6 | West Palm Beach | $2,625 |
| 7 | Pompano Beach | $2,620 |
| 8 | Tampa | $2,610 |
| 9 | Fort Lauderdale | $2,550 |
| 10 | Coral Springs | $2,549 |
| 11 | Hollywood | $2,526 |
| 12 | Pembroke Pines | $2,481 |
| 13 | Davie | $2,448 |
| 14 | Brandon | $2,298 |
| 15 | St. Petersburg | $2,263 |
| 16 | Clearwater | $2,194 |
| 17 | Spring Hill | $2,060 |
| 18 | Orlando | $2,029 |
| 19 | Jacksonville | $1,980 |
| 20 | Port St. Lucie | $1,935 |
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Price information shown is approximated as specific Jacksonville garaging address can decrease or increase prices greatly.
The vehicle you are buying coverage for is probably the biggest factor when comparing quotes for economical coverage for unemployed drivers. Vehicles with lower performance, excellent safety ratings, or low incidents of liability claims will cost significantly less to insure than adrenaline junky models.
The information below shows car insurance premiums for a selection of the cheaper automobiles to insure in Florida.
| Vehicle Insured | Estimated Cost for Full Coverage |
|---|---|
| Ford Escape XLS 4WD | $1,123 |
| Toyota Prius | $1,241 |
| Ford F-150 STX Regular Cab 4WD | $1,258 |
| Honda CR-V EX 2WD | $1,284 |
| Jeep Grand Cherokee Laredo 4WD | $1,325 |
| Ford Focus SES 4-Dr Sedan | $1,371 |
| Hyundai Elantra Blue 4-Dr Sedan | $1,377 |
| Honda Odyssey EX-L W/Rear Entertainment | $1,395 |
| GMC Sierra 2500HD SLE Regular Cab 4WD | $1,421 |
| Honda Civic GX 4-Dr Sedan | $1,465 |
| Toyota Tacoma 2WD | $1,491 |
| Chevrolet Silverado 2500HD LT Crew Cab Diesel 4WD | $1,517 |
| GMC Sierra SLE Crew Cab 2WD | $1,520 |
| Chevrolet Silverado LTZ Crew Cab 2WD | $1,530 |
| Toyota RAV4 4WD | $1,520 |
| Dodge Grand Caravan SE | $1,539 |
| Chevrolet Silverado 3500HD LT Crew Cab Diesel 2WD | $1,541 |
| Dodge Ram Crew Cab TRX 4WD | $1,546 |
| Ford Edge SEL AWD | $1,594 |
| Chevrolet Impala LTZ | $1,599 |
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Prices above based on single female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Florida minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, safe-driver, and homeowner. Estimates do not factor in vehicle location which can decrease or increase coverage prices significantly.
Based upon the table data, you can conclude that vehicles like the Ford Escape, Toyota Prius, and Ford F-150 are most likely to be a few of the less-costly vehicles to insure for the unemployed.
Finding out which company quotes the cheapest auto insurance rates for unemployed drivers will require a little more effort than just getting one or two price quotes. Each auto insurance company has a different formula to determine rates, so let’s look at the rankings for the auto insurance companies with the overall cheapest rates in Florida.
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| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $957 |
| 2 | Amica | $1,712 |
| 3 | Electric | $1,746 |
| 4 | Progressive | $1,847 |
| 5 | Mercury | $1,933 |
| 6 | Travelers | $1,945 |
| 7 | Allied | $1,985 |
| 8 | Esurance | $2,020 |
| 9 | State Farm | $2,047 |
| 10 | Auto-Owners | $2,171 |
| 11 | GEICO | $2,172 |
| 12 | Allstate | $2,317 |
| 13 | 21st Century | $2,469 |
| 14 | Windhaven Insurance | $2,549 |
| 15 | MetLife | $2,900 |
| 16 | Hanover | $2,964 |
| 17 | Liberty Mutual | $3,009 |
| 18 | Safeco | $3,016 |
| 19 | United Automobile | $3,527 |
| 20 | Direct General | $4,062 |
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USAA offers some of the lowest car insurance rates in Jacksonville at around $957 annually. This is $1,491 less than the average premium paid by Florida drivers of $2,448. Amica, Electric, Progressive, and Mercury would also be considered some of the cheaper Jacksonville, FL insurance companies.
In the above example, if you currently have coverage with Amica and switched to USAA, you may see an annual savings of around $755. Insureds with Electric could save as much as $789 a year, and Progressive insureds might lower prices by up to $890 a year.
To find the cheapest coverage for you, click here to begin a quote or visit several of the following companies.
Bear in mind that those estimates are averaged for all insureds and vehicles and are not factoring in an exact location for unemployed drivers. So the company that has the cheapest rates for you may not even be in the list above. That’s why you need to get quotes using your own driver and vehicle profiles.
Get discounts on Jacksonville insurance
Insurers that provide coverage for unemployed drivers may also give you price discounts that may potentially lower prices by as much as 35% or more if you meet eligibility requirements. Large auto insurance companies and a summarized list of policyholder discounts can be found below.
- State Farm may have discounts that include good driver, Steer Clear safe driver discount, defensive driving training, safe vehicle, multiple autos, and anti-theft.
- Progressive may offer discounts for homeowner, multi-policy, online quote discount, good student, continuous coverage, online signing, and multi-vehicle.
- Progressive includes discounts for online signing, continuous coverage, good student, online quote discount, and homeowner.
- MetLife has discounts for multi-policy, defensive driver, good student, good driver, claim-free, accident-free
- Farm Bureau policyholders can earn discounts including 55 and retired, multi-vehicle, multi-policy, safe driver, good student, driver training, and renewal discount.
- GEICO discounts include defensive driver, driver training, membership and employees, multi-vehicle, daytime running lights, and anti-theft.
- SAFECO offers discounts for teen safety rewards, anti-lock brakes, drive less, multi-car, accident prevention training, and homeowner.
The information below shows the comparison of annual premium costs with and without discounts applied. The rate quotes are based on a male driver, no violations or accidents, Florida state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with defensive driving course, accident-free, multiple policy, marriage, anti-theft, and safe-driver discounts applied. When these discounts are applied, theamount saved on auto insurance for unemployed drivers is 28% or $525.
The illustration below highlights how deductible selection can increase or decrease premium costs when getting quotes for cheap insurance for unemployed drivers. The costs are based on a single male driver, comp and collision included, and no additional discounts are factored in.
In the chart above, a 40-year-old driver could reduce rates by $462 a year by switching the physical damage coverage from a $100 deductible to a $500 deductible, or save $696 by switching to a $1,000 deductible. Even younger drivers, like the 20-year-old, could potentially save $1,550 every year just by using higher deductibles. If you do raise deductibles, it is a good idea to have enough in a savings account to allow you to cover the extra out-of-pocket expense that is associated with using high deductibles.
The professional agents shown below can most likely provide answers to your questions and help you determine which auto insurance coverages would be the best in your situation, as some people have coverage questions and would like to get some guidance when shopping for cheaper insurance for the unemployed. It can be difficult to find the best coverage on your own, so getting professional guidance from a licensed agent can provide peace of mind knowing your policy gives you adequate protection.
To locate an agency in your neighborhood, click the button after the list or click here to get price quotes now.
Chris Bedford – State Farm Insurance Agent
3943 Baymeadows Rd #1 – Jacksonville, FL 32217 – (904) 730-4300
Mizell Insurance Agency
11893 New Kings Rd – Jacksonville, FL 32219 – (904) 764-3336
David Beam – State Farm Insurance Agent
10400 San Jose Blvd Ste 2 – Jacksonville, FL 32257 – (904) 379-4156
Vonnie Wiggins – State Farm Insurance Agent
11757 Beach Blvd #7 – Jacksonville, FL 32246 – (904) 641-0090
View more Jacksonville, FL insurance agencies
How to find low-cost insurance for unemployed drivers
The list below summarizes some penny-pinching solutions that can help you locate cheap auto insurance.
- Save money by bundling your home and auto policies
- Avoid preventable accidents
- Pay lower rates with good credit
- Safe vehicles cost less to insure
- Save money by insuring older vehicles for liability only
- Look for cheaper rates once a year by shopping around
The last idea is highly significant, as we emphasized in the article above. Prices charged by companies can change considerably based on profitability, so drivers shouldn’t be resistant to buy a policy from a new company if you find a cheaper price.
Being loyal to a particular company is commendable, but it’s not recommended if your bullheadedness ends up costing you thousands of dollars over several years. In just a few minutes you could compare rates to find cheaper car insurance for unemployed drivers in Jacksonville.