The words “cheap” and “insurance” really don’t belong together, specifically when shopping around for the cheapest car insurance for drivers with a bad driving record. Because of the high cost, let’s familiarize you with some of the factors that have a considerable impact on car insurance rates, and see if you can reduce the cost of the next policy you buy.
Trying to buy cost effective insurance is hard enough, and determining which company offers the cheapest auto insurance rates for drivers with a bad driving record calls for a little more work.
Every car insurance company uses their own method to set premium rates, so to begin we’ll rank the auto insurance companies with the most affordable rates in Jacksonville. It’s important to know that Jacksonville, FL auto insurance rates are calculated based on many things that may substantially change the price you have to pay. This price variation is why consumers need to compare lots of rates to get the most economical auto insurance rates for drivers with a bad driving record. Prices are influenced by many factors and change substantially, so the most economical option two years ago may now be quite expensive.
Best Auto Insurance Prices for Imperfect Drivers
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $957 |
| 2 | Electric | $1,746 |
| 3 | Amica | $1,764 |
| 4 | Progressive | $1,829 |
| 5 | Travelers | $1,926 |
| 6 | Allied | $1,945 |
| 7 | Mercury | $1,973 |
| 8 | Esurance | $2,020 |
| 9 | Auto-Owners | $2,085 |
| 10 | GEICO | $2,108 |
| 11 | State Farm | $2,110 |
| 12 | Allstate | $2,388 |
| 13 | 21st Century | $2,445 |
| 14 | Windhaven Insurance | $2,653 |
| 15 | Safeco | $2,898 |
| 16 | MetLife | $2,900 |
| 17 | Hanover | $3,024 |
| 18 | Liberty Mutual | $3,101 |
| 19 | United Automobile | $3,457 |
| 20 | Direct General | $3,902 |
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USAA normally has some of the most affordable car insurance rates in Jacksonville at around $957 each year. Electric, Amica, Progressive, and Travelers also qualify as some of the best Jacksonville, FL car insurance companies.
As shown in the rates above, if you buy coverage from Amica and switched to USAA, you may see an annual savings of around $807. Policyholders with Progressive could save as much as $872 a year, and Travelers policyholders might cut rates by $969 a year.
Bear in mind that those estimates are averages for all drivers and vehicles and do not factor in an exact vehicle garaging location for drivers with a bad driving record. So the insurer that fits your needs best may not even be in the top 21 companies in the list above. That illustrates why you need to compare rates from as many companies as possible using your own personal information and vehicle type.
For bad drivers, one of the more important factors that aid in calculating car insurance rates is your zip code in Jacksonville. Areas with a lot of weather claims or more people tend to pay slightly more, whereas areas with less crime or weather claims tend to receive slightly lower rates.
The illustration below ranks the most expensive areas in Florida for drivers with a bad driving record to purchase auto insurance in. Jacksonville makes the list at #19 with an annual premium of $2,020 for coverage, which is approximately $168 monthly.
| Rank | City | Annual Rate |
|---|---|---|
| 1 | Hialeah | $3,523 |
| 2 | Miami | $3,241 |
| 3 | Miami Gardens | $3,149 |
| 4 | Miami Beach | $3,013 |
| 5 | West Palm Beach | $2,705 |
| 6 | Tampa | $2,636 |
| 7 | Pompano Beach | $2,620 |
| 8 | Hollywood | $2,604 |
| 9 | Miramar | $2,603 |
| 10 | Fort Lauderdale | $2,576 |
| 11 | Coral Springs | $2,549 |
| 12 | Davie | $2,473 |
| 13 | Pembroke Pines | $2,407 |
| 14 | Brandon | $2,298 |
| 15 | Clearwater | $2,260 |
| 16 | St. Petersburg | $2,196 |
| 17 | Spring Hill | $2,123 |
| 18 | Orlando | $2,090 |
| 19 | Jacksonville | $2,020 |
| 20 | Port St. Lucie | $1,994 |
| 21 | Lakeland | $1,883 |
| 22 | Cape Coral | $1,841 |
| 23 | Tallahassee | $1,801 |
| 24 | Palm Bay | $1,750 |
| 25 | Gainesville | $1,696 |
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Prices are estimated as the specific garaging location can lower or raise insurance rates noticeably.
The vehicle model needing coverage is one of the primary factors when consumers are trying to find low-cost car insurance for drivers with a bad driving record. Vehicles with lower acceleration and performance, modern passenger safety features, or a low likelihood of having liability claims will cost much less to insure than fast, unsafe models. The next list estimates auto insurance prices for a handful of the most cost-effective automobiles to buy insurance for.
| Vehicle | Estimated Cost for Full Coverage |
|---|---|
| Honda Accord LX-P 4-Dr Sedan | $4,114 |
| Honda CR-V EX-L 4WD | $4,160 |
| Jeep Wrangler Sport 4WD 2-Dr | $4,388 |
| Toyota Prius | $4,427 |
| Ford Escape Limited 2WD | $4,471 |
| Volkswagen Jetta SE 2.5 Station Wagon | $4,646 |
| Hyundai Elantra SE Touring Station Wagon | $4,711 |
| Ford Edge SE AWD | $4,828 |
| Chevrolet Equinox LT AWD | $4,874 |
| Ford Explorer Eddie Bauer AWD | $4,923 |
| Toyota Tacoma 4WD | $4,988 |
| Dodge Grand Caravan CV | $4,998 |
| Ford Focus SES 4-Dr Sedan | $5,047 |
| Honda Civic LX 4-Dr Sedan | $5,057 |
| Chevrolet Impala LT | $5,100 |
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Data based on single female driver age 30, two speeding tickets, two at-fault accidents, $1,000 deductibles, and Florida minimum liability limits. Discounts applied include multi-vehicle, multi-policy, and homeowner. Price estimates do not factor in the specific area where the vehicle is garaged which can lower or raise premiums significantly.
Based upon these rates, we can presume that models like the Honda Accord, Honda CR-V, Jeep Wrangler, and Toyota Prius are a few of the cheaper vehicles to insure for bad drivers. Rates will tend to be higher just due to the fact that there is more exposure for drivers with a bad driving record, but overall those vehicles will probably have the best rates available.
The example below illustrates how your deductible choice can raise or lower yearly insurance costs when getting quotes for cheap insurance for drivers with a bad driving record. The information is based on a married female driver, full coverage, and no discounts are applied to the premium.
As shown above, a 50-year-old driver could pocket $398 a year by changing their physical damage coverage from a $100 deductible to a $500 deductible, or save $600 by switching to a $1,000 deductible. Youthful drivers, like the Age 20 category, could roll back prices $984 or more by choosing a higher deductible.
When using a larger deductible, it will be required to have plenty of savings on hand to allow you to cover the extra out-of-pocket expense, which deters some people from using high deductibles.
Buying coverage from a high-quality insurance provider is difficult considering how many choices drivers have in Jacksonville. The ranking data in the lists below can help you decide which providers to look at comparing rate quotes with. The ratings below include companies with a nationwide focus, so companies that only write business in Florida or surrounding areas are not taken into consideration for this list.
Top 10 Major Auto Insurers in Jacksonville Ranked by Customer Service
- USAA
- Travelers
- Mercury Insurance
- AAA Insurance
- Nationwide
- Safeco Insurance
- Progressive
- State Farm
- The Hartford
- The General
How to find economical insurance for drivers with a bad driving record
Here are many money-saving solutions that can help Jacksonville drivers quote cheap auto insurance.
- Increase your physical damage deductibles
- Lower rates by purchasing a safer vehicle
- You will pay more if you get tickets or have at-fault accidents
- Avoid at-fault accidents and claims
- Save money by only buying liability coverage for older vehicles
- Maintaining good credit helps earn cheaper rates
- Compare rates once a year for cheaper prices
That last piece of advice is extraordinarily necessary, as we discussed in this piece. Coverage rates in Jacksonville can change considerably based on profitability, so don’t be afraid to buy a policy from a new company if a better deal can be had.
Many drivers have brand loyalty and that’s fine, but it isn’t a good idea if that devotion results in you overpaying a lot of money. In less than five minutes you could shop around and find cheaper car insurance for drivers with a bad driving record.
If you like to have a professional recommendation when comparing insurance rates for bad drivers, the agents below can probably help you decide which auto insurance coverages would be the best in your situation. To locate an agency using an interactive map, click the link after the list or click here to get price quotes now.
- Connect America Insurance Agency
8825 Perimeter Park Blvd #303 – Jacksonville, FL 32216 – (904) 494-8898 - Sam Maimone – State Farm Insurance Agent
12620 Beach Blvd #8 – Jacksonville, FL 32246 – (904) 641-6844 - John Brooks – State Farm Insurance Agent
11362 San Jose Blvd #19 – Jacksonville, FL 32223 – (904) 880-9060