The words “low-priced” and “auto insurance” really shouldn’t be used together, specifically when you are searching for the cheapest car insurance for government employees. In an attempt to save some money, let’s learn about some things that have an impact on car insurance premiums, and find some ways to lower the cost of your next policy.
For state and federal workers, one of the big components that are looked at to determine the annual cost of car insurance is where you keep your car in Jacksonville. Areas with more people or higher crime rates tend to have higher auto insurance costs, whereas areas with fewer weather claims and lower vehicle theft rates have the gratification of cheaper auto insurance rates.
The following table ranks the highest-priced places in Florida for government employees to purchase auto insurance in. Jacksonville is ranked #19 with a yearly premium of $1,960 on average, which is about $163 monthly.
| Rank | City | Average Per Year |
|---|---|---|
| 1 | Hialeah | $3,523 |
| 2 | Miami Gardens | $3,277 |
| 3 | Miami | $3,177 |
| 4 | Miami Beach | $3,013 |
| 5 | West Palm Beach | $2,625 |
| 6 | Hollywood | $2,604 |
| 7 | Miramar | $2,603 |
| 8 | Pompano Beach | $2,543 |
| 9 | Tampa | $2,532 |
| 10 | Pembroke Pines | $2,505 |
| 11 | Fort Lauderdale | $2,475 |
| 12 | Coral Springs | $2,474 |
| 13 | Davie | $2,448 |
| 14 | Brandon | $2,298 |
| 15 | St. Petersburg | $2,263 |
| 16 | Clearwater | $2,238 |
| 17 | Orlando | $2,069 |
| 18 | Spring Hill | $2,039 |
| 19 | Jacksonville | $1,960 |
| 20 | Port St. Lucie | $1,916 |
| 21 | Cape Coral | $1,898 |
| 22 | Lakeland | $1,827 |
| 23 | Palm Bay | $1,803 |
| 24 | Tallahassee | $1,748 |
| 25 | Gainesville | $1,696 |
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Rates are estimated as zip code location can modify price quotes greatly.
The car, truck, or SUV you are trying to insure is a significant factor when shopping around for low-cost coverage for government employees. Vehicles with average performance, a great safety record, or a track record of few liability claims will cost quite a bit less to insure than high performance models.
The table below presents car insurance premiums for the most affordable automobiles to insure.
| Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Jeep Wrangler Rubicon 4WD 2-Dr | $1,272 |
| Ford F-150 XLT Regular Cab 4WD | $1,278 |
| Ford Escape XLS 4WD | $1,284 |
| Honda CR-V EX-L 2WD | $1,318 |
| Nissan Altima 2.5 4-Dr Sedan | $1,347 |
| Toyota RAV4 Limited 4WD | $1,354 |
| Hyundai Elantra SE Touring Station Wagon | $1,356 |
| Dodge Grand Caravan Crew | $1,373 |
| Toyota Prius | $1,385 |
| Ford Explorer XLT 2WD | $1,395 |
| Jeep Grand Cherokee Limited 4WD | $1,445 |
| Honda Odyssey EX W/Rear Entertainment | $1,451 |
| Chevrolet Equinox LTZ AWD | $1,445 |
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Premium data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Florida minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, claim-free, and multi-policy. Price information does not factor in specific location which can raise or lower auto insurance rates considerably.
Based upon the table data, you can see that models like the Jeep Wrangler, Ford F-150, and Ford Escape are going to be the most economical vehicles to insure for state and federal workers.
Get discount Jacksonville insurance rates
Auto insurance companies that offer coverage for government employees may additionally offer policy discounts that could reduce prices by as much as 30% if you are eligible. A list of car insurance companies and some of their more popular discounts are included below.
- The Hartford offers discounts including defensive driver, bundle, air bag, anti-theft, and vehicle fuel type.
- American Family has savings for air bags, multi-vehicle, TimeAway discount, bundled insurance, early bird, and good student.
- Progressive may have discounts that include online quote discount, multi-policy, online signing, homeowner, and good student.
- Travelers offers discounts for save driver, early quote, student away at school, new car, home ownership, and multi-policy.
- Farmers Insurance offers premium reductions for mature driver, teen driver, switch companies, multi-car, youthful driver, and early shopping.
- USAA may include discounts for annual mileage, driver training, family discount, loyalty savings, safe driver, military installation, and multi-vehicle.
- Liberty Mutual policyholders can earn discounts including multi-car, exclusive group savings, hybrid vehicle, new vehicle discount, newly married, teen driver discount, and safety features.
The example below shows the difference between premium costs with and without discounts. The costs are based on a female driver, no violations or accidents, Florida state minimum liability limits, full physical damage coverage, and $500 deductibles.
The first bar for each age group shows the average rate with no discounts. The lower bar shows the rates with claim-free, defensive driving course, anti-theft, passive restraint, accident-free, and multiple vehicle discounts applied. In this example, theaverage amount saved on car insurance for government employees is 28% or $698.
Careless drivers pay higher rates
The common sense way to enjoy cheap car insurance prices in Florida for state and federal workers is to drive safely and avoid accidents and keep your driving record clean. The chart below shows how speeding tickets and at-fault claims can influence auto insurance costs for different categories of driver ages. The premiums assume a single female driver, comp and collision included, $500 deductibles, and no discounts are applied to the premium.
In the example above, the average cost of an auto insurance policy in Florida per year with a clean driving record and no accidents is $2,492. Add in one speeding ticket and the average cost jumps to $2,827, an increase of $335 each year. Now add one accident along with the one speeding ticket and the 12-month cost of car insurance for government employees jumps again to an average of $3,770. That’s an increase of $1,278, or $107 per month, just for being a less-than-perfect driver!
Shop around and save
Florida car insurance rates are impacted by many things which can substantially change the price of your policy. Simply having a birthday, moving to a different location, or getting a speeding ticket may prompt premium changes that may make certain companies cheaper than before. Not only may your risk profile change, but companies change prices every year as an adjustment for underwriting gains or losses. An extended period of higher than normal claims may result in increased rates, while profitable underwriting may cause cheaper Jacksonville car insurance rates.
As an example, the data below shows the companies that have the cheapest car insurance in Jacksonville, FL for a 45-year-old female driver with a clear driving record, no claims, and great credit. If we look at prices based on her personal risk profile, USAA has the best car insurance rates in Jacksonville at $1,174 each year. This is $1,274 less than the average policy premium paid by Florida drivers of $2,448. Electric, Amica, Progressive, and Mercury are also included in the most affordable Jacksonville, FL auto insurance companies.
Now let’s give the driver in the first example a claim or two, a lower credit rating, and an imperfect driving record. Due to the fact that each insurance company has a proprietary formula for setting rates, analyzing rates may now result in a different set of the cheapest Jacksonville car insurance companies as shown below.
USAA now has the cheapest insurance rate in Jacksonville, FL with Travelers, Esurance, State Farm, and Auto-Owners also being competitive. This demonstrates why consumers need to take the time to do a thorough rate comparison when trying to find affordable auto insurance quotes for government employees.
Insurance rates are made up of many factors and change substantially, so the lowest-price company the last time you shopped around may now be costing you a lot of money.
How to find economical car insurance for government employees
The list below details a few money-saving suggestions that can help you get low-cost coverage.
- Raise comprehensive and collision coverage deductibles
- Discounts for being claim-free can be substantial
- Good credit scores may make rates cheaper
- Bundle car and home insurance and save money
- Do not get traffic tickets
- Avoid at-fault accidents and claims
- Compare rate quotes often
The last tip is extraordinarily necessary, as we pointed out in this write-up. Rates fluctuate constantly, so don’t be afraid to switch companies if a cheaper price is available. Many consumers stick with the same company and that’s fine, but it’s not recommended if your bullheadedness ends up costing you money that could be used for better things. It only takes a couple minutes to compare prices to find cheaper insurance for government employees in Jacksonville.