Figuring out which companies offer the cheapest auto insurance rates for high mileage drivers will take a little more sweat than just picking a company at random.
Each auto insurer has their own unique process for determining rates in each state, so to begin we’ll rank the auto insurance companies that tend to be cheaper in Jacksonville. We do need to point out that Florida auto insurance rates are impacted by many things that will increase or decrease the price of your policy. Simply getting older, adding a teenager to your policy, or getting a speeding ticket may generate price changes resulting in some companies being more affordable than competitors.
Best Cheap Insurance Rates in Florida
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $977 |
| 2 | Amica | $1,712 |
| 3 | Electric | $1,764 |
| 4 | Progressive | $1,847 |
| 5 | Travelers | $1,869 |
| 6 | Allied | $1,926 |
| 7 | Mercury | $1,973 |
| 8 | Esurance | $2,020 |
| 9 | Auto-Owners | $2,085 |
| 10 | State Farm | $2,131 |
| 11 | GEICO | $2,172 |
| 12 | Allstate | $2,388 |
| 13 | 21st Century | $2,397 |
| 14 | Windhaven Insurance | $2,575 |
| 15 | MetLife | $2,900 |
| 16 | Safeco | $3,016 |
| 17 | Hanover | $3,024 |
| 18 | Liberty Mutual | $3,101 |
| 19 | United Automobile | $3,527 |
| 20 | Direct General | $3,902 |
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USAA generally has some of the cheapest car insurance rates in Jacksonville at around $977 a year. Amica, Electric, Progressive, and Travelers also rank well as some of the more affordable Jacksonville, FL car insurance companies.
As shown above, if you currently have coverage with Progressive and switched to Amica, you may see an annual savings of approximately $135. Drivers with Travelers might save as much as $157 a year, and Allied policyholders might reduce prices by as much as $214 a year.
To find out how your current rates compare, click here to get a free quote or quote prices from the following companies.
Remember that these premium estimates are averages across all types of drivers and the different vehicles they drive and and are not calculated with a specific location for high mileage drivers. So the auto insurance company that has the lowest price for you may not even be in the top 21 companies shown above. That points out the importance of why you need to get quotes using your own individual information.
One of the more important components that are looked at to help calculate the amount you pay each year for auto insurance is where you live in Jacksonville. Areas with increased crime or more people tend to have more expensive car insurance rates, whereas areas with fewer weather claims and lower vehicle theft rates get the luxury of paying less.
The table below ranks the most expensive cities in Florida for high mileage drivers to purchase car insurance in. Jacksonville is ranked #19 with the yearly price of $2,020 for the average insured, which is around $168 each month.
| Rank | City | Average Per Year |
|---|---|---|
| 1 | Hialeah | $3,595 |
| 2 | Miami Gardens | $3,277 |
| 3 | Miami | $3,241 |
| 4 | Miami Beach | $2,923 |
| 5 | Miramar | $2,709 |
| 6 | West Palm Beach | $2,705 |
| 7 | Tampa | $2,558 |
| 8 | Coral Springs | $2,549 |
| 9 | Davie | $2,548 |
| 10 | Pompano Beach | $2,543 |
| 11 | Hollywood | $2,526 |
| 12 | Fort Lauderdale | $2,475 |
| 13 | Pembroke Pines | $2,407 |
| 14 | Brandon | $2,322 |
| 15 | St. Petersburg | $2,263 |
| 16 | Clearwater | $2,260 |
| 17 | Spring Hill | $2,123 |
| 18 | Orlando | $2,090 |
| 19 | Jacksonville | $2,020 |
| 20 | Port St. Lucie | $1,916 |
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Premium costs are estimated as the garaging address in Jacksonville can lower or raise insurance rates noticeably.
Get discount Jacksonville car insurance rates
Car insurance companies that offer quotes for high mileage drivers may additionally offer price discounts that can reduce rates by 30% or more if you meet eligibility requirements. A list of auto insurance companies and their offered discounts are outlined below.
- State Farm offers discounts including Steer Clear safe driver discount, multiple policy, good student, safe vehicle, and defensive driving training.
- GEICO discounts include military active duty, anti-theft, driver training, membership and employees, seat belt use, and multi-policy.
- Progressive has savings for multi-policy, online quote discount, multi-vehicle, online signing, continuous coverage, good student, and homeowner.
- 21st Century has discounts for anti-lock brakes, driver training, early bird, student driver, and good student.
- American Family offers premium reductions for defensive driver, bundled insurance, Steer into Savings, good driver, accident-free, and good student.
- The Hartford includes discounts for driver training, defensive driver, bundle, air bag, vehicle fuel type, anti-theft, and good student.
- AAA may include discounts for multi-car, AAA membership discount, pay-in-full, multi-policy, good driver, and education and occupation.
The diagram below compares yearly insurance costs with and without discounts being applied to the rates. The price estimates are based on a female driver, no claims or driving violations, Florida state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The lower bar shows the rates with vehicle safety, homeowner, accident-free, safe-driver, multiple policy, and claim-free discounts applied. When discounts are factored in, the average amount saved each year on auto insurance for high mileage drivers is 28% or $706.
Cost comparison with and without full coverage
Reducing the cost of auto insurance is the goal of most vehicle owners, and one easy way to reduce the cost of insurance for high mileage drivers is to not pay for full coverage. The chart below visualizes the comparison of premium costs with and without full coverage. The data assumes no driving violations, no at-fault accidents, $1,000 deductibles, drivers are single, and no additional discounts are factored in.
Averaged for all age groups, physical damage coverage on your policy costs an extra $2,330 per year more than just insuring for liability. Many drivers will wonder if physical damage coverage is worth the money. There is no set guideline that is best for determining when to drop comp and collision coverage, but there is a guideline you can use. If the annual cost of your full coverage insurance is 10% or more of the replacement cost minus the deductible, then it could be time to drop full coverage.
Ending up with the top insurance provider can be challenging considering how many companies provide coverage in Florida. The company information in the next section may help you choose which car insurance companies you want to consider buying from.
These rankings are only comprised of major nationwide insurance companies, so companies that have a smaller presence are not included in the list. If you wish to compare prices from many more Florida auto insurance companies, simply click here.
Top 10 Major Auto Insurance Providers 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%
Top 10 Major Auto Insurance Providers in Jacksonville Ranked by Customer Service
- USAA
- Travelers
- Mercury Insurance
- AAA Insurance
- Nationwide
- Safeco Insurance
- Progressive
- State Farm
- The Hartford
- The General
The professional agents shown below can probably help you determine which insurance coverage you need, since some people have coverage questions and would like to have some advice when trying to find the best insurance rates for high mileage drivers. It’s not always simple to do it yourself, so using a licensed agent can provide satisfaction knowing you have adequate protection in case of an accident or claim. To locate an agency in your neighborhood, click the button after the list or click here to compare price quotes.
Rosetta’s Insurance Agency, Inc.
6715 Wilson Blvd – Jacksonville, FL 32210 – (904) 677-0441
Kim Lego – State Farm Insurance Agent
13820 Old St Augustine Rd #401 – Jacksonville, FL 32258 – (904) 268-9900
Margie Harner – State Farm Insurance Agent
4540 Southside Blvd #1102 – Jacksonville, FL 32216 – (904) 296-2500
Debra Braddock – State Farm Insurance Agent
9310 Old Kings Rd S #1901 – Jacksonville, FL 32257 – (904) 737-0829
View more Jacksonville, FL insurance agents
How to find the cheapest car insurance for high mileage drivers
Below you’ll find a few thrifty suggestions that can help you locate cheap coverage.
- Be a safe driver
- Save money by insuring your home and auto with the same company
- Maintain a safe distance and avoid accidents
- Avoid price increases by not filing claims
- The safer your car, the less it costs to insure
- Compare rates once a year for cheaper prices
That last idea is very necessary, as was discussed in this article. Coverage rates change a lot, so drivers shouldn’t hesitate to buy from a different company if you can find a cheaper rate. Sticking with a specific company is fine, but we do not recommend it if it’s costing you a lot of money every month. In less than five minutes you could compare rates to find cheaper car insurance for high mileage drivers in Jacksonville.