The words “economical” and “insurance” really should not be used together, especially when shopping around for the cheapest coverage for felons. Because of the high cost, let’s get started by showing you a few of the factors that help determine car insurance premiums, and find a few ways to shave a little off the next policy you buy.
For felons, one of the more important considerations that are looked at to determine the cost of insurance is where you live. More populated areas tend to have more expensive auto insurance rates, whereas areas with lower crime rates and fewer weather claims have the benefit of cheaper car insurance.
The illustration below sorts the highest-priced places in Florida for felons to buy an auto insurance policy in. Jacksonville makes the list at #19 having an annual price of $1,960 for the average policy, which is around $163 each month.
| Rank | City | Premium Per Year |
|---|---|---|
| 1 | Hialeah | $3,523 |
| 2 | Miami | $3,273 |
| 3 | Miami Gardens | $3,181 |
| 4 | Miami Beach | $2,953 |
| 5 | Miramar | $2,709 |
| 6 | West Palm Beach | $2,705 |
| 7 | Pompano Beach | $2,595 |
| 8 | Coral Springs | $2,574 |
| 9 | Hollywood | $2,552 |
| 10 | Tampa | $2,532 |
| 11 | Fort Lauderdale | $2,500 |
| 12 | Davie | $2,448 |
| 13 | Pembroke Pines | $2,407 |
| 14 | Brandon | $2,298 |
| 15 | St. Petersburg | $2,219 |
| 16 | Clearwater | $2,172 |
| 17 | Spring Hill | $2,102 |
| 18 | Orlando | $2,090 |
| 19 | Jacksonville | $1,960 |
| 20 | Port St. Lucie | $1,935 |
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Rate quotes are approximated as the garaging address in Jacksonville can revise insurance rates substantially.
Buying affordable car insurance is difficult, and finding out which company has the best insurance rates for felons will take even more perseverance. Each auto insurance company uses different criteria for establishing rates, so let’s take a look at the lowest cost insurance companies in Jacksonville.
It’s a good idea to know that Florida insurance rates are impacted by many factors that control the price you have to pay. This is why Jacksonville drivers need to do a thorough rate comparison when trying to find the most affordable car insurance rates for felons. Insurance rates are influenced by many things and can increase or decrease at any time, so the cheapest option a year ago may now be one of the higher cost companies.
Best Car Insurance Prices for Felons
USAA quotes some of the most affordable car insurance rates in Jacksonville at around $986 a year. Amica, Electric, Progressive, and Travelers also make the cut as some of the cheapest Jacksonville, FL insurance companies.
As shown in the table above, if you currently buy coverage from Amica and switched to USAA, you might achieve a yearly savings of about $708. Policyholders with Electric may save as much as $778 a year, and Progressive customers might reduce prices by as much as $807 a year.
These estimates are averaged for all ages of drivers and types of vehicles and and are not figured with a specific location for felons. So the company that has the cheapest rates for you may not even be in the top 21 companies in the list above. That’s why you need to quote rates from many companies using your own specific driver and vehicle information.
Best insurance in Jacksonville
Insuring your vehicle with the top auto insurance provider can be a challenge considering how many different insurance companies sell coverage in Jacksonville. The ranking data shown below may help you select which car insurance companies to look at comparing rates with.
These ratings only include the largest auto insurers in America, so smaller regional companies are not factored into the list. To compare prices from many more Florida auto insurance companies, just click here.
Top 10 Major Car Insurance Companies in Jacksonville Ranked by A.M. Best Rating
- Travelers – A++
- USAA – A++
- GEICO – A++
- State Farm – A++
- Titan Insurance – A+
- Esurance – A+
- Progressive – A+
- The Hartford – A+
- Allstate – A+
- Nationwide – A+
Top 10 Major Car Insurance Companies in Jacksonville Ranked by Customer Satisfaction
- USAA – 91%
- AAA Insurance – 90%
- Esurance – 90%
- Mercury Insurance – 89%
- Nationwide – 89%
- Travelers – 88%
- Progressive – 88%
- Safeco Insurance – 88%
- State Farm – 88%
- Allstate – 88%
Impact of speeding/accidents on Jacksonville insurance rates
The best way to obtain low insurance rates for felons is to pay attention while driving and not have accidents or get tickets. The illustration below demonstrates how citations and accident claims can affect yearly insurance costs for different age groups. The rate quotes are based on a married female driver, full physical damage coverage, $1,000 deductibles, and no other discounts are factored in.
In the example above, the average cost of a car insurance policy in Florida per year with no violations or accidents is $1,778. Add in two speeding tickets and the average cost rises to $2,517, an increase of $739 each year. Then include two accidents along with the two speeding tickets and the annual cost of insurance for felons increases to an average of $5,634. That’s an increase of $3,855, or $321 per month, just for not being attentive to the road!
The example below demonstrates how choosing different deductibles can affect insurance costs when researching cheap insurance for felons. The costs are based on a married female driver, full physical damage coverage, and no discounts are taken into consideration.
A 40-year-old driver could save $384 a year by changing from a $100 deductible up to a $500 deductible, or save $578 by using a $1,000 deductible. Younger drivers, like the 20-year-old, could potentially save $952 annually just by choosing higher deductibles when buying full coverage. When using a larger deductible, it is necessary to have emergency funds available to cover the extra out-of-pocket expense, which is the one disadvantage of using larger deductibles.