Deciding which insurers offer the most affordable car insurance rates for good drivers will involve a little more work than just picking a company at random.
Each company has a unique approach for establishing rates, so we’ll go over the most affordable car insurance companies in Jacksonville, FL. It’s important to understand that Jacksonville, FL car insurance rates are impacted by many factors that will increase or decrease the price you pay for coverage. Improving your credit rating, buying another vehicle, or getting a speeding ticket can produce rate changes that can make some companies more affordable than competitors.
Find Cheaper Car Insurance for Good Drivers
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $948 |
| 2 | Electric | $1,746 |
| 3 | Amica | $1,746 |
| 4 | Progressive | $1,829 |
| 5 | Travelers | $1,869 |
| 6 | Allied | $1,945 |
| 7 | Mercury | $1,992 |
| 8 | State Farm | $2,068 |
| 9 | Esurance | $2,082 |
| 10 | GEICO | $2,108 |
| 11 | Auto-Owners | $2,171 |
| 12 | Allstate | $2,411 |
| 13 | 21st Century | $2,469 |
| 14 | Windhaven Insurance | $2,627 |
| 15 | MetLife | $2,900 |
| 16 | Hanover | $2,964 |
| 17 | Safeco | $3,016 |
| 18 | Liberty Mutual | $3,131 |
| 19 | United Automobile | $3,562 |
| 20 | Direct General | $3,942 |
| Compare Rates Now Go | ||
USAA has some of the lowest car insurance rates in Jacksonville at around $948 each year. This is $1,500 less than the average premium paid by Florida drivers of $2,448. Electric, Amica, Progressive, and Travelers also are some of the more affordable Jacksonville, FL auto insurance companies.
In this example, if you are insured with Electric and switched to USAA, you may see annual savings of about $798. Insureds with Amica could save as much as $798 a year, and Progressive customers might see rate reductions of $881 a year.
Be aware that those prices are averages for all drivers and vehicles and and are not calculated with a vehicle location for good drivers. So the auto insurance company that is best for you may not even be in the list above. That’s why you need to get car insurance quotes using your own driver and vehicle profiles.
The car, truck, or SUV you are insuring is one of the primary factors when shopping around for the most affordable car insurance for good drivers. Vehicles with high performance features, a lack of modern safety features, or a history of substantial liability claims will cost more to insure than more modest models. The information below estimates auto insurance premiums for the cheaper vehicles to buy coverage for.
| Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Ford Edge SEL AWD | $1,302 |
| Toyota Camry LE | $1,328 |
| Chevrolet Malibu Hybrid | $1,334 |
| Toyota RAV4 Sport 4WD | $1,328 |
| Jeep Grand Cherokee Laredo 4WD | $1,335 |
| Ford Explorer Eddie Bauer 4WD | $1,352 |
| Honda Accord EX-L 4-Dr Sedan | $1,393 |
| Honda CR-V EX-L 2WD | $1,412 |
| Ford Escape XLT 4WD | $1,421 |
| Chevrolet Silverado LTZ Extended Cab 4WD | $1,422 |
| Jeep Wrangler Sport 4WD 2-Dr | $1,431 |
| Toyota Prius | $1,422 |
| Hyundai Sonata SE 4-Dr Sedan | $1,496 |
| Ford F-350 Super Cab Harley Turbo Diesel 2WD | $1,542 |
| Dodge Ram Crew Cab Sport 4WD | $1,547 |
| Start Your Quote Go | |
Above prices assume single female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Florida minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, safe-driver, and multi-vehicle. Rate quotes do not factor in specific Jacksonville, FL garaging location which can lower or raise auto insurance rates considerably.
Looking at the numbers, vehicles like the Ford Edge, Toyota Camry, and Chevrolet Malibu are likely to be a few of the cheaper vehicles to insure for safe drivers.
Cost comparison with and without full coverage
Saving money on car insurance is probably important to most drivers, and one way to find cheaper insurance for good drivers is to buy liability only. The illustration below visualizes the comparison of insurance costs with and without physical damage coverage. The premiums assume no violations or accidents, $100 deductibles, marital status is single, and no policy discounts are applied.
If averaged out across all ages, physical damage insurance costs an extra $2,385 per year more than buying just liability insurance. Many of you may wonder when is it safe to stop buying full coverage. There is no exact formula of when to eliminate comprehensive and collision coverage on your policy, but there is a general guideline. If the annual cost of your full coverage insurance is 10% or more of the replacement cost of your vehicle minus the policy deductible, then you might want to consider buying only liability coverage.
Jacksonville car insurance companies
Selecting a highly-rated company can be rather challenging considering how many companies there are in Jacksonville. The company information displayed below can help you decide which coverage providers you want to consider comparing rates with. These rankings are only made up of large nationwide companies, so companies with more of a regional focus will not be included in these rankings.
Top 10 Large 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 Large Car Insurance Companies in Jacksonville Ranked by Value
- Mercury Insurance
- Travelers
- American Family
- AAA Insurance
- Safeco Insurance
- Progressive
- The Hartford
- The General
- 21st Century
- Esurance
The importance of shopping around
Florida car insurance rates are determined by lots of factors which can substantially decrease or increase the price you have to pay for coverage. Simply improving your credit, adding a teenager to your policy, or getting a driving violation can produce rate changes that may make certain companies more affordable than before.
And not only may your rating factors change, but insurance companies change rates every year to reflect underwriting profits or losses. Higher than normal claims may result in higher prices, while a lower level of claims may result in cheaper Jacksonville car insurance rates.
For instance, the graph below shows the cheapest car insurance in Jacksonville, FL for a 30-year-old female driver with no accidents or violations, and good credit. If we estimate prices based on her personal profile, USAA quotes the lowest car insurance rates in Jacksonville at $1,186 a year. This is $1,262 less than the average rate paid by Florida drivers of $2,448. Electric, Amica, Progressive, and Travelers are the rest of the most affordable Jacksonville, FL auto insurance companies.
Now we will give the driver from the above example an accident surcharge, a little lower credit rating, and a traffic citation. Since each auto insurer has their own unique process for setting rates, comparing quotes could result in a different ranking of companies as shown below.
USAA now has the cheapest auto insurance in Jacksonville, FL with Allied, Esurance, Auto-Owners, and State Farm completing the list. This shows why drivers need to take the time to shop around to get the most affordable car insurance rates for good drivers. Insurance prices are impacted by many things and change substantially, so the best option six months ago may now be costing you a lot of money.
How to find economical insurance for good drivers
The list below details many penny-pinching suggestions that can help drivers locate more affordable auto insurance.
- Choose a safer vehicle and pay lower rates
- Good credit scores may make rates cheaper
- At-fault accidents can raise rates significantly
- Serious violations like DUI or reckless driving can increase rates dramatically
- Older vehicles may not need full coverage
- Increase your policy deductibles
- Comparison shop at least every other year
The last idea is certainly vital, as was affirmed in this write-up. Prices charged by companies change frequently, so drivers shouldn’t hesitate to buy from a new company if a lower price can be found. Having brand loyalty is commendable, but we do not recommend it if that loyalty results in overpaying lots of hard earned cash every month. It only take a few minutes to compare prices and find cheaper insurance for good drivers in Jacksonville.
If you wish to get help from a professional when shopping for cheaper insurance for good drivers, the agencies below can help you make a decision which insurance coverage will be best for you. To locate a Jacksonville car insurance agency nearest to you, click the button following the list.
- Erwin Insurance, LLC
841 Prudential Drive, 12th Floor – Jacksonville, FL 32207 – (904) 764-7531 - Otis Johnson – State Farm Insurance Agent
1629 Race Track Rd Unit 104 – Jacksonville, FL 32259 – (904) 287-1523 - Bill Pool – State Farm Insurance Agent
7025 Normandy Blvd – Jacksonville, FL 32205 – (904) 781-3800 - Brightway Insurance
8206 Philips Hwy – Jacksonville, FL 32256 – (904) 527-3029 - Chris Bedford – State Farm Insurance Agent
3943 Baymeadows Rd #1 – Jacksonville, FL 32217 – (904) 730-4300