The vehicle you are insuring is one of the biggest factors that determines if you can find cheaper auto insurance for electric cars. Vehicles with lower performance, an excellent safety record, or low incidents of liability claims will cost much less to insure than fast, unsafe models.
The table below features coverage premiums for the most affordable automobiles to buy insurance for.
| Insured Vehicle | Estimated Cost for Full Coverage |
|---|---|
| Honda CR-V EX 4WD | $1,244 |
| Ford Escape Limited 4WD | $1,319 |
| Jeep Wrangler Sport 4WD 2-Dr | $1,447 |
| Ford Explorer Limited 2WD | $1,467 |
| Toyota Corolla XLE | $1,514 |
| Hyundai Elantra SE 4-Dr Sedan | $1,519 |
| Toyota Camry SE | $1,514 |
| Ford Fusion Sport 4-Dr Sedan | $1,542 |
| Chevrolet Malibu LTZ | $1,551 |
| Nissan Altima 3.5 SR 4-Dr Sedan | $1,542 |
| GMC Sierra 2500HD SLT Extended Cab 4WD | $1,617 |
| Honda Accord EX-L 4-Dr Sedan | $1,622 |
| Kia Optima SX | $1,647 |
| Volkswagen Jetta S 4-Dr Sedan | $1,650 |
| Toyota RAV4 2WD | $1,660 |
| Chevrolet Equinox LT 2WD | $1,650 |
| Toyota Prius | $1,657 |
| Dodge Ram Crew Cab Laramie 2WD | $1,675 |
| Toyota Tacoma Double Cab 4WD | $1,680 |
| Honda Civic LX 4-Dr Sedan | $1,705 |
| Ford Focus SES 4-Dr Sedan | $1,712 |
| Ford F-150 XLT Super Cab 4WD | $1,707 |
| Ford Edge SE AWD | $1,732 |
| Start Your Quote Go | |
Premium data assumes 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, homeowner, claim-free, multi-vehicle, and multi-policy. Rate information does not factor in specific garaging location which can increase or decrease price quotes considerably.
Looking at the data, we can presume that makes and models like the Honda CR-V, Ford Escape, Jeep Wrangler, Ford Explorer, and Toyota Corolla are likely to be a few of the cheaper vehicles to insure for eco-friendly vehicles.
One of the more important criteria that aid in calculating car insurance rates is your zip code in Jacksonville. More densely populated places are more likely to have higher rates, whereas areas with lower vehicle theft rates and fewer weather claims can boast about having cheaper rates.
The following table sorts the most expensive areas in Florida for electric cars to buy auto insurance in. Jacksonville shows up at #19 costing $1,960 for the average insured, which is about $163 each month.
| Rank | City | Annual Premium |
|---|---|---|
| 1 | Hialeah | $3,630 |
| 2 | Miami Gardens | $3,277 |
| 3 | Miami | $3,177 |
| 4 | Miami Beach | $3,043 |
| 5 | Miramar | $2,709 |
| 6 | West Palm Beach | $2,679 |
| 7 | Hollywood | $2,630 |
| 8 | Pompano Beach | $2,620 |
| 9 | Tampa | $2,610 |
| 10 | Fort Lauderdale | $2,576 |
| 11 | Coral Springs | $2,549 |
| 12 | Davie | $2,523 |
| 13 | Pembroke Pines | $2,407 |
| 14 | Brandon | $2,368 |
| 15 | St. Petersburg | $2,286 |
| 16 | Clearwater | $2,194 |
| 17 | Spring Hill | $2,123 |
| 18 | Orlando | $2,090 |
| 19 | Jacksonville | $1,960 |
| 20 | Port St. Lucie | $1,935 |
| 21 | Cape Coral | $1,917 |
| 22 | Lakeland | $1,883 |
| 23 | Palm Bay | $1,803 |
| 24 | Tallahassee | $1,731 |
| 25 | Gainesville | $1,696 |
| Compare Prices Now Go | ||
Premium amounts are approximated as the specific geographic location can raise or lower insurance rates considerably.
Locating reasonably-priced insurance is easier said than done, and figuring out which insurers offer the cheapest car insurance rates for electric cars requires even more shopping around.
Every insurance company uses slightly different criteria to set policy rates, so let’s rank the most affordable car insurance companies in Florida. It’s a good idea to know that Florida car insurance rates are determined by lots of factors which can significantly increase or decrease the cost of having a policy. This is why Florida drivers need to perform a complete rate comparison to get cheap car insurance rates for electric cars. Insurance rates are impacted by many risk factors and change frequently, so the most affordable company the last time you checked may now cost much more than other companies.
Find the Cheapest Auto Insurance for EV’s
USAA offers some of the lowest car insurance rates in Jacksonville at around $986 annually. Amica, Electric, Progressive, and Mercury are also some of the best Jacksonville, FL insurance companies.
As shown above, if you are a customer of Progressive and switched to USAA, you may see a yearly price reduction of roughly $789. Insureds with Mercury may save as much as $928 a year, and Travelers policyholders might see rate reductions of $940 a year.
To see how much you can save, click here or visit several of the following companies.
Remember that these rates are averaged across all drivers and vehicles in Florida and and are not figured with an exact location for electric cars. So the company that is best for you may not even be in the top 21 companies shown above. That points out the importance of why you need to compare rates from multiple companies using your own driver information and specific vehicle type.
Ending up with the best auto insurance provider can be challenging considering how many different companies sell coverage in Jacksonville. The rank data shown below could help you pick which insurers to look at when comparing insurance rates for electric cars.
The ratings below are for large insurance companies, so smaller regional companies will not be included in the list. To get rate quotes from these companies and more, click this link.
Top 10 Major Auto Insurance Providers in Jacksonville Ranked by Claims Service
- Travelers
- Nationwide
- Allstate
- State Farm
- Liberty Mutual
- GEICO
- American Family
- Esurance
- Titan Insurance
- AAA Insurance
Top 10 Major Auto Insurance Providers in Jacksonville Ranked by Value
- Mercury Insurance
- Travelers
- American Family
- AAA Insurance
- Safeco Insurance
- Progressive
- The Hartford
- The General
- 21st Century
- Esurance
Car insurance rates are higher with tickets and accidents
The best way to find affordable car insurance premiums in Jacksonville for eco-friendly vehicles is to drive attentively and avoid traffic citations and accidents. The information below shows how speeding tickets and at-fault collisions can affect insurance costs for each age group. The data is based on a married female driver, full physical damage coverage, $1,000 deductibles, and no policy discounts are applied.
In the previous example, the average cost of an auto insurance policy per year with no violations or accidents is $1,340. Factor in two speeding tickets and the average cost hikes up to $1,892, an increase of $553 each year. Now get one accident along with the two speeding tickets and the 12-month cost of car insurance for electric cars jumps again to an average of $2,454. That’s an increase of $1,115, or $93 per month, just for being a less-than-perfect driver!
How to find more affordable auto insurance for electric cars
Lowering your rates is not difficult, and here are some of the recommended penny-pinching ideas that can help you buy cheap coverage.
- At-fault accidents can raise rates significantly
- Higher credit scores can equal lower rates
- Don’t waste money on full coverage for older vehicles
- Buy vehicles with five-star safety ratings
- Buying car and homeowners insurance together can save money
- Comparison shop frequently
The last idea is highly important, as we hit on in the article above. Coverage prices in Jacksonville change frequently, so don’t be tentative to change to a new company if a better rate can be found. Being loyal to a particular company is commendable, but it’s not recommended if that stubbornness costs you lots of money. It only takes a couple minutes to shop around and find cheaper car insurance for electric cars.
If you would rather get some professional advice when comparing insurance rates for electric cars, the insurance agencies below are a good start to aid you in deciding which auto insurance coverages would be the best in your situation. To find a Jacksonville insurance agency closest to you, click the button following the list.
- Erwin Insurance Agency-Beach
5243 Beach Blvd – Jacksonville, FL 32207 – (904) 391-1003 - Jim Register – State Farm Insurance Agent
12058 San Jose Blvd #302 – Jacksonville, FL 32223 – (904) 268-5522 - Yuleen Broome – State Farm Insurance Agent
3120 Atlantic Blvd – Jacksonville, FL 32207 – (904) 398-0401 - GEICO Insurance Agent
1003 Atlantic Blvd – Jacksonville, FL 32233 – (904) 246-8650