One of the many criteria that are used to help calculate auto insurance rates is where you call home. Areas with a lot of weather claims or more people tend to have more expensive auto insurance rates, whereas less populated areas tend to receive cheaper rates.
The next table lists the priciest cities in Florida for drivers under 25 to purchase a policy in. Jacksonville ranks #18 costing $2,020 for the average policyholder, which is about $168 monthly.
| Rank | City | Premium Per Year |
|---|---|---|
| 1 | Hialeah | $3,630 |
| 2 | Miami Gardens | $3,277 |
| 3 | Miami | $3,145 |
| 4 | Miami Beach | $3,043 |
| 5 | Miramar | $2,709 |
| 6 | West Palm Beach | $2,679 |
| 7 | Hollywood | $2,630 |
| 8 | Tampa | $2,532 |
| 9 | Davie | $2,523 |
| 10 | Pompano Beach | $2,518 |
| 11 | Pembroke Pines | $2,505 |
| 12 | Coral Springs | $2,499 |
| 13 | Fort Lauderdale | $2,475 |
| 14 | Brandon | $2,298 |
| 15 | Clearwater | $2,238 |
| 16 | St. Petersburg | $2,219 |
| 17 | Spring Hill | $2,102 |
| 18 | Jacksonville | $2,020 |
| 19 | Orlando | $2,008 |
| 20 | Port St. Lucie | $1,994 |
| 21 | Lakeland | $1,883 |
| 22 | Cape Coral | $1,841 |
| 23 | Palm Bay | $1,803 |
| 24 | Tallahassee | $1,748 |
| 25 | Gainesville | $1,696 |
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Annual rates are comparative as specific location information can lower or raise coverage prices noticeably.
Finding budget car insurance is not the easiest thing to accomplish, and finding out which companies quote the best car insurance rates for drivers under 25 will take even more shopping around. Each insurance company has a unique approach to determine rates, so to begin we’ll rank the car insurance companies with the most affordable rates in Jacksonville.
Keep in mind that Jacksonville, FL car insurance rates are based on many factors which can substantially decrease or increase the price of coverage. Events like a birthday, becoming a homeowner, or having a fender bender can cause premium changes that may make certain companies much higher than others.
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| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $948 |
| 2 | Electric | $1,764 |
| 3 | Amica | $1,764 |
| 4 | Progressive | $1,829 |
| 5 | Allied | $1,926 |
| 6 | Travelers | $1,945 |
| 7 | Mercury | $1,973 |
| 8 | State Farm | $2,047 |
| 9 | Esurance | $2,082 |
| 10 | Auto-Owners | $2,107 |
| 11 | GEICO | $2,172 |
| 12 | 21st Century | $2,373 |
| 13 | Allstate | $2,411 |
| 14 | Windhaven Insurance | $2,653 |
| 15 | Safeco | $2,987 |
| 16 | MetLife | $2,988 |
| 17 | Liberty Mutual | $3,009 |
| 18 | Hanover | $3,054 |
| 19 | United Automobile | $3,457 |
| 20 | Direct General | $4,022 |
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USAA may have some of the best car insurance rates in Jacksonville at around $948 annually. This is $1,500 less than the average price paid by Florida drivers of $2,448. Electric, Amica, Progressive, and Allied are also some of the best Jacksonville, FL insurance companies.
As illustrated above, if you currently have a policy with Allied and switched to Electric, you may see a yearly price reduction of around $162. Insureds with Travelers may save as much as $181 a year, and Mercury insureds might see rate reductions of $209 a year.
Understand that those premium estimates are averages across all drivers and vehicles and do not take into consideration a vehicle location for drivers under 25. So the car insurance company that can offer you the best rate may not even be in the top 21 companies shown above. That underscores the importance of why you need to get auto insurance quotes using your own personal information and vehicle type.
Jacksonville car insurance companies ranked
Picking a good quality company can be difficult considering how many choices you have in Florida. The company rank data displayed below could help you decide which insurers to look at when comparing insurance rates for drivers under 25. These ratings are only made up of insurance companies that insure vehicles in the majority of U.S. states, so smaller companies that only insure vehicles in Florida are not taken into consideration for this list.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| Travelers | 93 | 98 | 99 | 88% | A++ | 95.1 |
| USAA | 83 | 99 | 100 | 91% | A++ | 94.1 |
| Mercury Insurance | 97 | 96 | 88 | 89% | A+ | 93.4 |
| AAA Insurance | 91 | 95 | 92 | 90% | A | 93.3 |
| Nationwide | 85 | 95 | 97 | 89% | A+ | 92.4 |
| Allstate | 77 | 100 | 97 | 88% | A+ | 90.7 |
| State Farm | 80 | 94 | 96 | 88% | A++ | 90.6 |
| The Hartford | 88 | 93 | 91 | 87% | A+ | 90.4 |
| Safeco Insurance | 91 | 95 | 85 | 88% | A | 90.2 |
| Progressive | 88 | 94 | 83 | 88% | A+ | 90.1 |
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Data Source: Insure.com Best Car Insurance Companies
The diagram below shows how different deductible levels can influence insurance prices when trying to find cheap insurance for drivers under 25. The premiums assume a single male driver, full coverage, and no other discounts are factored in.
The chart above illustrates that a 30-year-old driver could save $522 a year by changing their physical damage coverage from a $100 deductible to a $500 deductible, or save $786 by switching to a $1,000 deductible. Even younger insureds, like the 20-year-old example, can cut up to $1,550 annually just by choosing larger deductibles. When increasing deductibles, it is a good idea to have enough savings set aside to cover the extra out-of-pocket expense that comes with higher deductibles.
If you have coverage questions and would like to get some guidance when comparing insurance rates for drivers age 25 and younger, the professional agents shown below can help you make a decision which insurance coverage will be best for you.
To locate a Jacksonville insurance agent closest to you, click the button at the bottom.
Randy Taylor – State Farm Insurance Agent
3041 Monument Rd #1 – Jacksonville, FL 32225 – (904) 642-2400
Kathy Scott – State Farm Insurance Agent
6018 San Jose Blvd – Jacksonville, FL 32217 – (904) 730-3665
Jim Love – State Farm Insurance Agent
2730 College St – Jacksonville, FL 32205 – (904) 384-5000
More insurance agents in Jacksonville, FL
Ideas to find cheaper auto insurance for drivers under 25
The list below shows a few thrifty solutions that can help Florida drivers get more affordable coverage.
- Increase your physical damage deductibles
- Avoid price increases by not filing claims
- Avoid having at-fault accidents
- Avoid getting citations and tickets
- Remove physical damage coverage on older vehicles
- Shop around for cheaper prices often
The final tip is extraordinarily crucial, as was emphasized in the prior article. Insurance rates in Jacksonville change constantly, so drivers shouldn’t be reluctant to switch companies if a lower price can be found.
Staying with the same car insurance company is fine, but it isn’t a good idea if that inflexibility results in costing you a fortune every year. In just a few minutes you could compare rates to find cheaper insurance for drivers under 25.