The words “low-priced” and “insurance” really don’t belong together, specifically when you are searching for the best car insurance for 19 year olds. To help control this cost, let’s start the ball rolling by going over some of the factors that impact auto insurance premiums, and find out if you can slash the price of the next policy you buy.
The type of vehicle you are trying to insure is probably the most important factor when comparing quotes for the best car insurance for 19 year olds. Vehicles with limited speed and performance, an excellent safety record, or low incidents of liability claims will cost quite a bit less to insure than high performance models.
The next list illustrates insurance prices for a number of the most affordable vehicles to insure in Florida.
| Vehicle Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Honda CR-V LX 4WD | $3,826 |
| Honda Accord LX-P 4-Dr Sedan | $3,833 |
| Ford Escape Limited 2WD | $3,875 |
| Toyota Prius | $4,188 |
| Ford F-150 XL Crew Cab 4WD | $4,324 |
| Ford Edge SEL 2WD | $4,492 |
| Ford Focus S 4-Dr Sedan | $4,502 |
| Chevrolet Equinox LT AWD | $4,541 |
| Nissan Altima 2.5 4-Dr Sedan | $4,548 |
| Toyota RAV4 Limited 2WD | $4,541 |
| Dodge Grand Caravan SXT | $4,589 |
| Ford Explorer Limited 4WD | $4,596 |
| Chevrolet Malibu LT | $4,589 |
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Table data assumes single male driver age 19, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Florida minimum liability limits. Discounts applied include safe-driver, and claim-free. Rate quotes do not factor in Jacksonville, FL location which can increase or decrease insurance rates noticeably.
Based upon the table data, you can assume that vehicles like the Honda CR-V, Honda Accord, Ford Escape, and Toyota Prius are most likely going to be some of the more affordable vehicles to insure for teenage drivers. Prices will be higher anyway because of the fact that there is more exposure for 19 year olds, but overall those vehicles will have the cheapest auto insurance rates that you’ll find.
Finding out which company has the most affordable car insurance rates for 19 year olds requires a bit more work in order to find the best policy.
Each insurer uses their own formula for filing rates in each state, so we’ll take a look at the most competitive car insurance companies in Jacksonville. It’s a good idea to know that Jacksonville car insurance rates are influenced by many factors that can increase the price you pay for coverage. Getting older, marrying your spouse, or getting a ticket for careless driving can trigger rate changes that can cause some rates to be more affordable than the competition.
Lowest Insurance Price Quotes for Teens
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $977 |
| 2 | Amica | $1,694 |
| 3 | Electric | $1,712 |
| 4 | Progressive | $1,847 |
| 5 | Travelers | $1,926 |
| 6 | Allied | $1,945 |
| 7 | Mercury | $1,973 |
| 8 | State Farm | $2,068 |
| 9 | Esurance | $2,082 |
| 10 | Auto-Owners | $2,149 |
| 11 | GEICO | $2,172 |
| 12 | Allstate | $2,340 |
| 13 | 21st Century | $2,397 |
| 14 | Windhaven Insurance | $2,549 |
| 15 | Safeco | $2,898 |
| 16 | MetLife | $2,988 |
| 17 | Liberty Mutual | $3,009 |
| 18 | Hanover | $3,024 |
| 19 | United Automobile | $3,527 |
| 20 | Direct General | $4,022 |
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USAA may have some of the cheapest car insurance rates in Jacksonville at around $977 annually. This is $1,471 less than the average policy premium paid by Florida drivers of $2,448. Amica, Electric, Progressive, and Travelers would also be considered some of the more affordable Jacksonville, FL auto insurance companies.
As the rates illustrate above, if you currently have coverage with Progressive and switched to Amica, you could realize an annual premium reduction of around $153. Insureds with Travelers could save as much as $232 a year, and Allied insureds might reduce prices by as much as $251 a year.
To see if your current coverage is too expensive, click here to get a free quote or quote rates from the companies below.
Remember that these premium estimates are averaged across all drivers and vehicles in Florida and and are not figured with an exact location for 19 year olds. So the insurer that can offer you the best rate may not even be in the list above. That underscores the importance of why you need to quote rates from as many companies as possible using your own driver data and vehicle information.
For teenage drivers, one of the more important considerations that aid in calculating the amount you pay for auto insurance is where you call home in Jacksonville. Regions with larger populations or more claims tend to have higher rates, whereas areas with fewer weather claims and lower vehicle theft rates have the benefit of cheaper car insurance.
The illustration below rates the most costly cities in Florida for 19 year olds to purchase a policy in. Jacksonville ranks #19 with a yearly cost of $2,020 on average, which is around $168 monthly.
| Rank | City | Annual Rate |
|---|---|---|
| 1 | Hialeah | $3,523 |
| 2 | Miami Gardens | $3,245 |
| 3 | Miami | $3,145 |
| 4 | Miami Beach | $2,953 |
| 5 | Miramar | $2,709 |
| 6 | Pompano Beach | $2,620 |
| 7 | Tampa | $2,610 |
| 8 | Hollywood | $2,604 |
| 9 | West Palm Beach | $2,599 |
| 10 | Coral Springs | $2,574 |
| 11 | Fort Lauderdale | $2,550 |
| 12 | Pembroke Pines | $2,505 |
| 13 | Davie | $2,473 |
| 14 | Brandon | $2,298 |
| 15 | St. Petersburg | $2,286 |
| 16 | Clearwater | $2,172 |
| 17 | Spring Hill | $2,039 |
| 18 | Orlando | $2,029 |
| 19 | Jacksonville | $2,020 |
| 20 | Port St. Lucie | $1,916 |
| 21 | Lakeland | $1,883 |
| 22 | Cape Coral | $1,841 |
| 23 | Tallahassee | $1,801 |
| 24 | Palm Bay | $1,750 |
| 25 | Gainesville | $1,630 |
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Table data uses comparative as zip code location can change coverage prices noticeably.
Rate comparison of full coverage and liability-only
Reducing the cost of car insurance is important to the majority of vehicle owners, and a great way to buy cheap insurance for 19 year olds is to not buy full coverage. The information below visualizes the comparison of auto insurance rates when comparing full coverage to liability only. The data is based on no driving violations, no at-fault accidents, $500 deductibles, single status, and no additional discounts are factored in.
As an average, physical damage insurance costs $1,961 per year more than just buying liability only. That brings up the question if it’s worth it to buy full coverage. There is no set guideline for eliminating full coverage on your policy, but there is a guideline you can consider. If the yearly cost of comp and collision coverage is more than about 10% of the replacement cost minus the deductible, then it could be time to drop full coverage.
For example, let’s assume your vehicle’s claim settlement value is $11,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled, you would only receive $10,000 after paying your policy deductible. If it’s costing in excess of $1,000 annually for full coverage, then it might be time to buy liability only.
Selecting a good quality insurance provider can be a challenge considering how many different companies there are to choose from in Florida. The company ratings shown next could help you decide which auto insurers you want to consider comparing prices from. The ratings below are for large, nationwide insurance companies, so smaller companies that only insure vehicles in Florida are not factored into this list.
Top 10 Major Car Insurance Companies in Jacksonville Ranked by Customer Service
- USAA
- Travelers
- Mercury Insurance
- AAA Insurance
- Nationwide
- Safeco Insurance
- Progressive
- State Farm
- The Hartford
- The General
The illustration below demonstrates how choosing different deductibles can impact yearly insurance costs when trying to find cheap insurance for 19 year olds. The premium estimates are based on a single male driver, full coverage, and no discounts are taken into consideration.
The data above shows that a 50-year-old driver could save $344 a year by changing their physical damage coverage from a $100 deductible to a $500 deductible, or save $518 by using a $1,000 deductible. Even younger drivers, like the Age 20 chart data, could roll back prices as much as $1,126 or more by choosing a larger deductible amount. If you make the decision to raise deductibles, it is essential to have emergency funds available to enable you to pay the extra out-of-pocket expense, which is the main disadvantage of using high deductibles.
How to find low-cost car insurance for 19 year olds
It’s not impossible to find cheaper rates, and here are a few money-saving solutions that can help Florida drivers find cheap coverage.
- Better credit scores save money
- Avoid at-fault accidents and claims
- Earn discounts for being claim-free
- Avoid getting tickets or violations
- Drive safe vehicles
- Shop around for lower rates once a year
That last piece of advice is especially crucial, as we emphasized in this article. Rates in Jacksonville can change in a short period of time, so drivers shouldn’t be resistant to switch to a new company if a lower-cost policy is available. Having a favorite company is fine, but it’s not recommended if your bullheadedness ends up costing you thousands of dollars over the life of your policy. In less than five minutes you could shop around and find cheaper car insurance for 19 year olds.