Trying to buy affordable car insurance is not most people’s favorite thing to do, and finding out which companies quote the most affordable car insurance rates for 20 year old women will take more quotes for comparison.
Each insurer has a different process to set policy rates, so we need to take a look at the overall cheapest car insurance companies in Jacksonville.
Best Cheap Insurance Rates for Women Age 20
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $977 |
| 2 | Electric | $1,746 |
| 3 | Amica | $1,746 |
| 4 | Progressive | $1,793 |
| 5 | Travelers | $1,926 |
| 6 | Mercury | $1,973 |
| 7 | Allied | $1,985 |
| 8 | Esurance | $2,040 |
| 9 | GEICO | $2,086 |
| 10 | State Farm | $2,131 |
| 11 | Auto-Owners | $2,171 |
| 12 | Allstate | $2,317 |
| 13 | 21st Century | $2,469 |
| 14 | Windhaven Insurance | $2,627 |
| 15 | Safeco | $2,927 |
| 16 | Hanover | $2,964 |
| 17 | MetLife | $2,988 |
| 18 | Liberty Mutual | $3,131 |
| 19 | United Automobile | $3,457 |
| 20 | Direct General | $4,062 |
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USAA generally has some of the most affordable car insurance rates in Jacksonville at around $977 a year. This is $1,471 less than the average policy premium paid by Florida drivers of $2,448. Electric, Amica, Progressive, and Travelers also rank well as some of the lowest-priced Jacksonville, FL insurance companies.
As the rates illustrate above, if you currently have coverage with Amica and switched to USAA, you could see a yearly price reduction of in the neighborhood of $769. Florida drivers with Progressive could save as much as $816 a year, and Travelers customers might lower prices by up to $949 a year.
It’s important to note that these rates are averaged across all insureds and vehicles and do not take into consideration an exact vehicle garaging location for 20 year old women. So the company that can offer you the best rate may not even be in the list above. That affirms the importance of why you need to quote rates from as many companies as possible using your own personal information and vehicle type.
For young women, one of the largest considerations that are used to help calculate the cost of insurance is your address in Jacksonville. Regions with more people or even just more weather-related claims tend to have more expensive car insurance rates, whereas areas with lower vehicle theft rates and fewer weather claims tend to receive cheaper rates.
The information below ranks the most expensive cities in Florida for 20 year old women to buy auto insurance in. Jacksonville is ranked #18 with a yearly cost of $2,040 on average, which is around $170 monthly.
| Rank | City | Annual Premium |
|---|---|---|
| 1 | Hialeah | $3,488 |
| 2 | Miami Gardens | $3,277 |
| 3 | Miami | $3,241 |
| 4 | Miami Beach | $3,013 |
| 5 | West Palm Beach | $2,705 |
| 6 | Tampa | $2,636 |
| 7 | Pompano Beach | $2,620 |
| 8 | Miramar | $2,603 |
| 9 | Fort Lauderdale | $2,550 |
| 10 | Coral Springs | $2,549 |
| 11 | Hollywood | $2,526 |
| 12 | Pembroke Pines | $2,505 |
| 13 | Davie | $2,448 |
| 14 | Brandon | $2,322 |
| 15 | St. Petersburg | $2,219 |
| 16 | Clearwater | $2,194 |
| 17 | Spring Hill | $2,060 |
| 18 | Jacksonville | $2,040 |
| 19 | Orlando | $2,029 |
| 20 | Port St. Lucie | $1,994 |
| 21 | Cape Coral | $1,860 |
| 22 | Lakeland | $1,827 |
| 23 | Palm Bay | $1,750 |
| 24 | Tallahassee | $1,748 |
| 25 | Gainesville | $1,630 |
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Premium amounts are estimated as specific Jacksonville zip code can impact price quotes noticeably.
The make and model of vehicle driven is one of the largest considerations when quoting the best cheap insurance for 20 year old women. Vehicles with high performance features, a lack of safety features, or a history of substantial liability claims will cost much more to insure than more economical and safe models.
The next table shows coverage rates for a handful of the cheaper automobiles to buy insurance for.
| Insured Vehicle | Estimated Cost for Full Coverage |
|---|---|
| Ford Escape XLT 2WD | $2,425 |
| Honda Accord LX 4-Dr Sedan | $2,431 |
| Honda CR-V EX 4WD | $2,463 |
| Toyota Prius | $2,654 |
| Honda Odyssey LX | $2,682 |
| Ford F-150 XLT Regular Cab 2WD | $2,688 |
| Ford Explorer XLT 2WD | $2,720 |
| Chevrolet Impala LS | $2,837 |
| Ford Focus S 4-Dr Sedan | $2,843 |
| Jeep Grand Cherokee Laredo 4WD | $2,875 |
| Chevrolet Equinox LT 2WD | $2,880 |
| Toyota RAV4 2WD | $2,875 |
| Toyota Tacoma Double Cab TRD Sport Package 4WD | $2,911 |
| Dodge Grand Caravan Crew | $2,921 |
| Jeep Wrangler Unlimited Sahara 2WD 4-Dr | $2,997 |
| Compare Cheap Rates Go | |
Price data assumes single female driver age 20, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Florida minimum liability limits. Discounts applied include claim-free, and safe-driver. Information does not factor in your specific Jacksonville, FL location which can modify coverage rates considerably.
Looking at the numbers, vehicles like the Ford Escape, Honda Accord, Honda CR-V, Toyota Prius, and Honda Odyssey should be some of the less-costly vehicles to insure for young women. Auto insurance rates will tend to be higher just because there is more liability risk for 20 year old women, but generally speaking those models will tend to have the cheapest car insurance rates compared to other vehicles.
Impact of careless driving on Jacksonville car insurance rates
A great way to obtain good car insurance rates in Florida for young women is to drive safely and maintain a clean driving record. The information below demonstrates how citations and accidents can increase auto insurance costs for different age groups. The price estimates are based on a single female driver, comp and collision included, $1,000 deductibles, and no discounts are factored in.
In the prior example, the average cost of auto insurance in Jacksonville per year with a clean driving record and no accidents is $1,803. Factor in two speeding tickets and the average cost increases to $2,408, an increase of $605 each year. Then include one accident along with the two speeding tickets and the yearly cost of car insurance for 20 year old women jumps again to an average of $3,021. That’s an increase of $1,218, or $102 per month, just for not being a responsible driver!
The information below shows how choosing a deductible can impact insurance prices when quoting cheap insurance for 20 year old women. The costs are based on a married male driver, comp and collision included, and no policy discounts are applied.
As shown above, a 50-year-old driver could save $348 a year by switching the physical damage coverage from a $100 deductible to a $500 deductible, or save $524 by changing to a $1,000 deductible. Youthful drivers, such as the 20-year-old example, could drop their prices $1,162 every year just by choosing higher deductibles when buying full coverage.
When choosing a higher deductible, it is necessary to have enough savings to pay the extra out-of-pocket expense that comes with higher deductibles.
Buying coverage from the top auto insurance company is difficult considering how many choices drivers have in Florida. The company rank data shown below may help you select which car insurance companies to look at comparing rates with. These rankings are for large insurance companies, so companies that only write business in Florida or surrounding areas are not factored into the 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 |
| American Family | 91 | 86 | 95 | 83% | A | 89.7 |
| Esurance | 86 | 90 | 94 | 90% | A+ | 89.5 |
| The General | 86 | 93 | 89 | 84% | A- | 88.2 |
| GEICO | 79 | 89 | 95 | 87% | A++ | 87.8 |
| Titan Insurance | 86 | 82 | 92 | 86% | A+ | 86.5 |
| 21st Century | 86 | 82 | 90 | 84% | A | 86.4 |
| Liberty Mutual | 79 | 87 | 95 | 78% | A | 85.3 |
| Farmers Insurance | 77 | 80 | 80 | 84% | A | 80.3 |
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Data Source: Insure.com Best Car Insurance Companies
Are you paying too much for car insurance in Jacksonville?
Jacksonville, FL car insurance rates are based on many factors which can substantially change the price you have to pay for coverage. Turning one year older, buying higher coverage limits, or getting a ticket for running a stop sign can trigger rate changes that can now make some companies cheaper in comparison to the competition. Additionally, insurers change rates every year or even multiple times each year in order to remain profitable. Higher than normal claim frequency or severity may cause higher priced premiums, while a better loss history may cause cheaper Jacksonville car insurance rates.
As an example, the chart below shows the companies that have the cheapest car insurance in Jacksonville, FL for a 40-year-old male driver with no prior claims, no tickets, and good credit. If we look at prices based on his current situation, USAA may offer the most affordable car insurance rates in Jacksonville at $1,175 annually. This is $1,273 less than the average rate paid by Florida drivers of $2,448. Amica, Electric, Progressive, and Travelers are also on the list of the cheapest Jacksonville, FL auto insurance companies.
The example below compares rates after we give the driver from the first example an accident claim, a lower credit rating, and a couple of points charged on his driving record. Due to the fact that every auto insurer has their own unique process to set policy rates, comparing insurance quotes could now result in a slightly different list of affordable Jacksonville car insurance companies as shown below.
USAA now has the best price in Jacksonville, FL with Mercury, Esurance, State Farm, and Auto-Owners completing the list. This example illustrates why Florida drivers need to do a thorough rate comparison to get the most budget-friendly car insurance rates for 20 year old women. Auto insurance prices are determined by many different factors and can increase or decrease at any time, so the most economical option a year ago may now be quite expensive.