Deciphering which company quotes the lowest-priced auto insurance rates in Jacksonville involves a bit more effort in order to find the best price. Every auto insurer uses their own calculation to set policy rates, so let’s take a look at the most budget-friendly auto insurance companies in Florida.
It’s a good idea to know that Jacksonville, FL auto insurance rates are influenced by many factors which can substantially change the cost of your policy. Improving your credit score, moving to a different location, or getting a ticket for running a stop sign can cause premium changes resulting in some companies being cheaper in comparison to the competition.
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $986 |
| 2 | Amica | $1,694 |
| 3 | Electric | $1,712 |
| 4 | Progressive | $1,829 |
| 5 | Travelers | $1,888 |
| 6 | Allied | $1,985 |
| 7 | Mercury | $1,992 |
| 8 | Auto-Owners | $2,085 |
| 9 | GEICO | $2,086 |
| 10 | Esurance | $2,102 |
| 11 | State Farm | $2,110 |
| 12 | Allstate | $2,340 |
| 13 | 21st Century | $2,469 |
| 14 | Windhaven Insurance | $2,653 |
| 15 | MetLife | $2,958 |
| 16 | Safeco | $2,987 |
| 17 | Hanover | $3,024 |
| 18 | Liberty Mutual | $3,101 |
| 19 | United Automobile | $3,422 |
| 20 | Direct General | $3,902 |
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USAA offers some of the most affordable car insurance rates in Jacksonville at around $986 each year. This is $1,462 less than the average rate paid by Florida drivers of $2,448. Amica, Electric, Progressive, and Travelers would also make the list of some of the more affordable Jacksonville, FL auto insurance companies.
As the rates illustrate above, if you are a customer of Progressive and switched to Amica, you might achieve a yearly savings of approximately $135. Drivers with Travelers could save as much as $194 a year, and Allied policyholders might lower prices by up to $291 a year.
Be aware that those policy prices are averaged for all types of insureds and vehicles and and are not figured with an exact location in Jacksonville. So the company that can offer you the best rate may not even be in the top 21 companies shown above. That point stresses why you need to get rate quotes from many companies using your own individual information.
For drivers in Jacksonville, one of the big considerations that are used to help calculate the annual cost of car insurance is your address in Jacksonville. Larger areas are more likely to have higher rates, whereas areas with lower vehicle theft rates and fewer weather claims have the luxury of lower rates.
The table below lists the priciest cities in Florida to buy auto insurance in. Jacksonville is ranked #19 costing $1,980 for the average insured, which is approximately $165 each month.
| Rank | City | Average Per Year |
|---|---|---|
| 1 | Hialeah | $3,630 |
| 2 | Miami | $3,273 |
| 3 | Miami Gardens | $3,245 |
| 4 | Miami Beach | $2,953 |
| 5 | Miramar | $2,683 |
| 6 | Tampa | $2,636 |
| 7 | West Palm Beach | $2,625 |
| 8 | Hollywood | $2,552 |
| 9 | Pompano Beach | $2,518 |
| 10 | Fort Lauderdale | $2,500 |
| 11 | Coral Springs | $2,499 |
| 12 | Davie | $2,448 |
| 13 | Pembroke Pines | $2,407 |
| 14 | Brandon | $2,392 |
| 15 | St. Petersburg | $2,286 |
| 16 | Clearwater | $2,172 |
| 17 | Spring Hill | $2,039 |
| 18 | Orlando | $2,008 |
| 19 | Jacksonville | $1,980 |
| 20 | Port St. Lucie | $1,935 |
| 21 | Cape Coral | $1,860 |
| 22 | Lakeland | $1,827 |
| 23 | Palm Bay | $1,803 |
| 24 | Tallahassee | $1,748 |
| 25 | Gainesville | $1,646 |
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Table data uses comparative as the specific zip code location can change premium rates greatly.
The make and model of vehicle you are seeking coverage for is one of the main factors when shopping for the cheapest insurance in Jacksonville. Vehicles with average performance, an excellent safety record, or low incidents of liability claims will cost much less to insure than higher performance models.
The next table features coverage premiums for the most affordable automobiles to buy coverage for.
| Vehicle Insured | Estimated Cost for Full Coverage |
|---|---|
| Ford Escape XLT 4WD | $1,171 |
| Honda CR-V EX 2WD | $1,309 |
| Chevrolet Silverado LS Extended Cab 4WD | $1,356 |
| Chevrolet Malibu LS | $1,365 |
| Ford F-150 Lariat Crew Cab 4WD | $1,382 |
| Ford Explorer Limited 4WD | $1,388 |
| Ford Focus SEL 4-Dr Sedan | $1,402 |
| Toyota Prius | $1,450 |
| Hyundai Sonata GLS 4-Dr Sedan | $1,453 |
| GMC Sierra 2500HD SLT Extended Cab 4WD | $1,523 |
| Toyota Tacoma 2WD | $1,526 |
| Chevrolet Impala LS | $1,535 |
| Ford Edge SE 2WD | $1,540 |
| Kia Optima EX | $1,550 |
| Volkswagen Jetta S 4-Dr Sedan | $1,555 |
| Chevrolet Equinox LT AWD | $1,560 |
| Toyota RAV4 Sport 4WD | $1,555 |
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Cost estimates assume single female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Florida minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, homeowner, and claim-free. Estimates do not factor in garaging location in Jacksonville, FL which can raise or lower coverage prices considerably.
By looking at the data, models like the Ford Escape, Honda CR-V, Chevrolet Silverado, Chevrolet Malibu, and Ford F-150 will definitely be a few of the less-costly vehicles to insure for drivers in Jacksonville.
Discounts on Jacksonville auto insurance
Auto insurance companies that offer coverage in Jacksonville may also offer special discounts that can lower rates by as much as 35% or more if you qualify. Larger car insurance companies and a selection of discounts can be read below.
- American Family offers premium reductions for Steer into Savings, good driver, early bird, defensive driver, good student, and air bags.
- Nationwide may include discounts for easy pay, good student, accident-free, anti-theft, and Farm Bureau membership.
- MetLife includes discounts for multi-policy, defensive driver, accident-free, good student, good driver, and claim-free.
- 21st Century has savings for student driver, anti-lock brakes, automatic seat belts, theft prevention, and teen driver.
- Farmers Insurance may have discounts that include alternative fuel, electronic funds transfer, switch companies, bundle discounts, and homeowner.
- Allstate policyholders can earn discounts including anti-theft, multi-policy, economy car, premier plus, EZ pay plan discount, and auto/life discount.
The chart below visualizes the comparison of auto insurance costs with and without discounts applied to the policy rates. The costs are based on a female driver, no driving violations, no at-fault accidents, Florida state minimum liability limits, full physical damage coverage, and $100 deductibles.
The first bar for each age group shows the average annual price with no discounts. The lower bar shows the rates with defensive driving course, anti-theft, vehicle safety, passive restraint, multiple vehicle, and safe-driver discounts applied. When these discounts are applied, theaverage yearly reduction on car insurance in Jacksonville is 28% or $856.
If you have coverage questions and would like to have a consultation when trying to find lower insurance rates for drivers in Jacksonville, the agencies below can most likely help you decide which car insurance company is the best fit. To locate a Jacksonville car insurance agency by location nearest to you, click the button following the list or click here to compare prices now.
- Zellner Insurance Agency
4114 Sunbeam Rd #101 – Jacksonville, FL 32257 – (904) 356-1492 - Parvez Sahotra – State Farm Insurance Agent
3267 Hodges Blvd #14 – Jacksonville, FL 32224 – (904) 221-1161 - A and B Insurance Agency, Inc
2153 Blanding Blvd – Jacksonville, FL 32210 – (904) 388-6446 - State Insurance Agency
803 3rd St N – Jacksonville Beach, FL 32250 – (904) 247-5599