The words “cheap” and “insurance” probably shouldn’t be used in the same sentence, in particular when looking for the cheapest car insurance for uninsured drivers. In an attempt to save some money, let’s take a look at a few of the factors that have an impact on insurance prices, and find out if you can lower the price of the next policy you buy.
The car, truck, or SUV needing coverage is one of the largest factors when shopping around for the best car insurance for uninsured drivers. Vehicles with more horsepower, poor crash test ratings, or an increased likelihood of liability claims will cost quite a bit more to insure than safer models. The data below outlines insurance rates for a selection of the cheapest vehicles to buy coverage for.
| Insured Vehicle | Estimated Cost for Full Coverage |
|---|---|
| Honda Accord EX 4-Dr Sedan | $1,138 |
| Chevrolet Silverado LS Regular Cab 4WD | $1,248 |
| Ford Escape XLS 2WD | $1,258 |
| Honda CR-V EX-L 4WD | $1,318 |
| Toyota RAV4 2WD | $1,347 |
| Chevrolet Malibu LT | $1,373 |
| Toyota Prius | $1,385 |
| Hyundai Elantra SE Touring Station Wagon | $1,390 |
| Honda Odyssey Touring | $1,445 |
| Volkswagen Jetta SE 4-Dr Sedan | $1,451 |
| Ford F-150 Lariat Crew Cab Harley 4WD | $1,472 |
| Dodge Ram Crew Cab ST 2WD | $1,478 |
| Chevrolet Equinox LS AWD | $1,474 |
| Chevrolet Impala LS | $1,486 |
| Toyota Tacoma Double Cab TRD Off-Road Package 4WD | $1,503 |
| Jeep Grand Cherokee Laredo 4WD | $1,520 |
| Toyota Camry LE | $1,527 |
| Honda Civic LX-S 4-Dr Sedan | $1,527 |
| Kia Optima SX | $1,544 |
| Dodge Grand Caravan SXT | $1,554 |
| Start a Quote Go | |
Data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Florida minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, homeowner, and safe-driver. Price estimates do not factor in your specific Jacksonville, FL location which can modify coverage rates significantly.
By looking at the data, we can infer that makes and models like the Honda Accord, Chevrolet Silverado, Ford Escape, and Honda CR-V are some of the cheapest vehicles to insure for drivers with no prior coverage.
For drivers with no prior coverage, one of the more important considerations that determine the cost of insurance is where you normally keep your vehicle. Cities with larger populations likely pay more, whereas areas with lower vehicle theft rates and fewer weather claims have the luxury of cheap car insurance rates.
The table below ranks the most costly cities in Florida for uninsured drivers to buy an auto insurance policy in. Jacksonville ranks #19 with a yearly premium of $1,960 for the average policyholder, which is about $163 per month.
| Rank | City | Annual Rate |
|---|---|---|
| 1 | Hialeah | $3,630 |
| 2 | Miami | $3,273 |
| 3 | Miami Gardens | $3,149 |
| 4 | Miami Beach | $3,043 |
| 5 | Miramar | $2,709 |
| 6 | Hollywood | $2,604 |
| 7 | West Palm Beach | $2,599 |
| 8 | Pompano Beach | $2,543 |
| 9 | Tampa | $2,532 |
| 10 | Davie | $2,523 |
| 11 | Fort Lauderdale | $2,475 |
| 12 | Coral Springs | $2,474 |
| 13 | Pembroke Pines | $2,407 |
| 14 | Brandon | $2,298 |
| 15 | Clearwater | $2,238 |
| 16 | St. Petersburg | $2,219 |
| 17 | Orlando | $2,069 |
| 18 | Spring Hill | $2,060 |
| 19 | Jacksonville | $1,960 |
| 20 | Port St. Lucie | $1,935 |
| 21 | Cape Coral | $1,917 |
| 22 | Lakeland | $1,883 |
| 23 | Palm Bay | $1,750 |
| 24 | Tallahassee | $1,731 |
| 25 | Gainesville | $1,696 |
| Quote Best Rates Go | ||
Premium amounts are approximated as specific Jacksonville garaging address can affect insurance rates considerably.
Deciding which companies offer the lowest-priced insurance rates for uninsured drivers will take a bit more work in order to find the lowest price quote. Every car insurance company has their own formula for setting prices, so we need to take a look at the insurance companies with the most affordable rates in Jacksonville.
Best Cheap Insurance Rates in Florida
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $986 |
| 2 | Electric | $1,764 |
| 3 | Amica | $1,764 |
| 4 | Progressive | $1,793 |
| 5 | Travelers | $1,869 |
| 6 | Mercury | $1,992 |
| 7 | Allied | $2,004 |
| 8 | Esurance | $2,020 |
| 9 | State Farm | $2,068 |
| 10 | Auto-Owners | $2,107 |
| 11 | GEICO | $2,150 |
| 12 | Allstate | $2,317 |
| 13 | 21st Century | $2,445 |
| 14 | Windhaven Insurance | $2,653 |
| 15 | MetLife | $2,900 |
| 16 | Safeco | $2,927 |
| 17 | Hanover | $3,024 |
| 18 | Liberty Mutual | $3,039 |
| 19 | United Automobile | $3,527 |
| 20 | Direct General | $4,022 |
| Quote Your Rates Go | ||
USAA generally has some of the cheapest car insurance rates in Jacksonville at around $986 annually. Electric, Amica, Progressive, and Travelers are also some of the best Jacksonville, FL car insurance companies.
As shown in the rates above, if you are a policyholder with Amica and switched to USAA, you might realize annual savings of in the neighborhood of $778. Policyholders with Progressive might save as much as $807 a year, and Travelers customers might see rate reductions of $883 a year.
These policy rates are averages across all types of drivers and the different vehicles they drive and and are not figured with a specific location for uninsured drivers. So the company that is best suited for you may not even be in the top 21 companies shown above. That’s why you need to get car insurance quotes using your own individual information.
Difference between liability only and full coverage rates
Finding the cheapest insurance is the goal of the majority of people, and one of the easiest ways to lower the cost of insurance for uninsured drivers is to only buy liability insurance. The illustration below compares yearly insurance costs when comparing full coverage to liability only. The information is based on no claims, a clean driving record, $500 deductibles, single marital status, and no additional discounts are factored in.
If we average the cost for all age groups, physical damage coverage costs an additional $2,660 per year more than just insuring for liability. That amount may make you wonder if buying full coverage is worth the money. There is no clear-cut rule for eliminating comprehensive and collision coverage on your policy, but there is a general guideline you can use. If the yearly cost for physical damage coverage is about 10% or more of any settlement you would receive from your insurance company, then it may be the right time to buy liability only.
The diagram below demonstrates how deductibles can influence insurance prices when researching cheap insurance for uninsured drivers. The price estimates are based on a married male driver, comprehensive and collision coverage, and no additional discounts are factored in.
The chart above illustrates that a 40-year-old driver could lower their policy premium by $292 a year by switching the physical damage coverage from a $100 deductible to a $500 deductible, or save $440 by choosing a $1,000 deductible. Youthful drivers, such as the 20-year-old example, could lower their rates as much as $966 each year by selecting a higher deductible. If you do make the decision to raise your deductibles, it is a good idea to have additional savings on hand to enable you to pay the extra out-of-pocket expense, which is the one inconvenience of using high deductibles.
How to find budget-friendly insurance for uninsured drivers
The list below shows some of the better thrifty suggestions that can help Florida drivers buy cheaper car insurance.
- Clean up your credit
- You will pay more if you get tickets or have at-fault accidents
- Higher physical damage deductibles lower rates
- Avoid at-fault accidents and claims
- The safer your car, the less it costs to insure
- Compare rates and switch if you can find a better deal
The last item on the list is highly critical, as we stressed in the prior information. Prices charged by car insurance companies in Jacksonville can be adjusted at any time, so don’t be hesitant to switch to a new company if a more affordable rate is found. Many drivers prefer to stick with one company, but it’s not recommended if that loyalty results in overpaying a wad of cash every year. It takes less than five minutes to compare rates and find cheaper car insurance for uninsured drivers.
If you have coverage questions and would like to get help from a professional when shopping around for cheaper insurance for uninsured drivers, the agencies below are a good start to help you decide which insurance coverage you need. To find an auto insurance agency using an interactive map, click the button below the list or click here to compare prices now.
- Norris Insurance Agency
10695 Beach Blvd #1 – Jacksonville, FL 32246 – (904) 329-7950 - Bill Doyle – State Farm Insurance Agent
11555 Central Pkwy #904 – Jacksonville, FL 32224 – (904) 642-4000 - Giella Insurance Agency
7855 Argyle Forest Blvd #502 – Jacksonville, FL 32244 – (904) 783-3388 - David Beam – State Farm Insurance Agent
10400 San Jose Blvd Ste 2 – Jacksonville, FL 32257 – (904) 379-4156 - Chris Nickas – State Farm Insurance Agent
9542 Argyle Forest Blvd #12 – Jacksonville, FL 32222 – (904) 854-4700