Comparing quotes for cheap car insurance is not the easiest thing to do, and determining which company offers the best car insurance rates for high risk drivers will involve even more shopping around.
Every insurance company has a unique formula for determining prices, so we’ll take a look at the car insurance companies with the most affordable rates in Florida. Keep in mind that Jacksonville car insurance rates are impacted by many factors which can substantially decrease or increase the cost of your policy. That is why it is critical to spend some time comparing rates when trying to get the best insurance rates for high risk drivers. Rates are determined by many things and change substantially, so the best company six months ago may now be an over-priced policy.
Cheap Insurance Rates for Risky Drivers
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $986 |
| 2 | Amica | $1,712 |
| 3 | Electric | $1,746 |
| 4 | Progressive | $1,829 |
| 5 | Travelers | $1,888 |
| 6 | Mercury | $1,992 |
| 7 | Allied | $2,004 |
| 8 | Esurance | $2,040 |
| 9 | State Farm | $2,047 |
| 10 | GEICO | $2,086 |
| 11 | Auto-Owners | $2,107 |
| 12 | 21st Century | $2,373 |
| 13 | Allstate | $2,411 |
| 14 | Windhaven Insurance | $2,627 |
| 15 | Safeco | $2,898 |
| 16 | MetLife | $2,900 |
| 17 | Hanover | $3,054 |
| 18 | Liberty Mutual | $3,101 |
| 19 | United Automobile | $3,422 |
| 20 | Direct General | $3,902 |
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USAA has some of the most affordable car insurance rates in Jacksonville at around $986 a year. This is $1,462 less than the average price paid by Florida drivers of $2,448. Amica, Electric, Progressive, and Travelers also rank well as some of the cheapest Jacksonville, FL auto insurance companies.
In the above example, if you are a policyholder with Progressive and switched to Amica, you might see annual savings of upwards of $117. Drivers with Travelers could save as much as $176 a year, and Mercury policyholders might reduce prices by as much as $280 a year.
To find the cheapest coverage for you, click here to begin a quote or quote rates from the companies below.
Remember that these premiums are averages across all types of drivers and the different vehicles they drive and do not factor in an exact zip code location for high risk drivers. So the auto insurance company that is best for you may not even be in the list above. That emphasizes why you need to get rate quotes from many companies using your own individual information.
One of the more important criteria that aid in calculating insurance cost is your zip code. Cities with larger populations tend to have higher rates, whereas areas with lower crime rates and fewer weather claims have the luxury of cheap car insurance rates.
The information below shows the most expensive cities in Florida for high risk drivers in which to purchase auto insurance. Jacksonville is listed at #19 with an annual cost of $1,960 on average, which is around $163 monthly.
| Rank | City | Premium Per Year |
|---|---|---|
| 1 | Hialeah | $3,523 |
| 2 | Miami | $3,273 |
| 3 | Miami Gardens | $3,245 |
| 4 | Miami Beach | $3,013 |
| 5 | Miramar | $2,709 |
| 6 | Tampa | $2,636 |
| 7 | West Palm Beach | $2,625 |
| 8 | Fort Lauderdale | $2,576 |
| 9 | Hollywood | $2,552 |
| 10 | Coral Springs | $2,549 |
| 11 | Pompano Beach | $2,543 |
| 12 | Pembroke Pines | $2,505 |
| 13 | Davie | $2,473 |
| 14 | Brandon | $2,298 |
| 15 | St. Petersburg | $2,219 |
| 16 | Clearwater | $2,194 |
| 17 | Spring Hill | $2,123 |
| 18 | Orlando | $2,008 |
| 19 | Jacksonville | $1,960 |
| 20 | Port St. Lucie | $1,916 |
| 21 | Lakeland | $1,883 |
| 22 | Cape Coral | $1,860 |
| 23 | Tallahassee | $1,784 |
| 24 | Palm Bay | $1,733 |
| 25 | Gainesville | $1,630 |
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Rate quotes are approximated as the vehicle garaging location can decrease or increase auto insurance rates substantially.
The vehicle driven is one of the largest factors that determines if you can find low-priced car insurance for high risk drivers. Vehicles with high performance engines, poor safety features, or a history of substantial liability claims will cost substantially more to insure than more economical and safe models.
The next list features coverage prices for a selection of the more affordable vehicles to buy insurance for.
| Vehicle | Estimated Cost for Full Coverage |
|---|---|
| Honda CR-V EX 4WD | $4,102 |
| Ford Escape Limited 2WD | $4,232 |
| Toyota Prius | $4,508 |
| Chevrolet Silverado LS Regular Cab 4WD | $4,674 |
| Toyota Tacoma Double Cab 4WD | $4,807 |
| Chevrolet Equinox LS AWD | $4,814 |
| Toyota RAV4 Limited 2WD | $4,953 |
| Nissan Altima 2.5 4-Dr Sedan | $4,959 |
| Honda Civic VP 4-Dr Sedan | $4,980 |
| Dodge Grand Caravan Hero | $5,001 |
| Toyota Corolla XLE | $5,025 |
| Ford Explorer Limited 4WD | $5,054 |
| Ford Fusion SEL 4-Dr Sedan | $5,071 |
| Jeep Grand Cherokee Limited 4WD | $5,076 |
| GMC Sierra 3500HD SLE Extended Cab 2WD | $5,117 |
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Cost estimates assume single male driver age 30, two speeding tickets, two at-fault accidents, $1,000 deductibles, and Florida minimum liability limits. Discounts applied include multi-vehicle, homeowner, and multi-policy. Estimates do not factor in Jacksonville, FL location which can raise or lower premium rates noticeably.
By looking at the data, you can figure that models like the Honda CR-V, Ford Escape, Toyota Prius, and Chevrolet Silverado are likely to be some of the most affordable vehicles to insure for high risk drivers. Prices will be more expensive just due to the fact that there is more exposure for high risk drivers, but in general those models will have the lowest insurance rates possible.
Discounts on Jacksonville auto insurance
Insurance providers that provide policies for high risk drivers may provide price discounts that may potentially lower prices by 40% or more if you can meet the requirements. A few popular companies and a selection of discounts can be read below.
- American Family offers premium reductions for defensive driver, bundled insurance, multi-vehicle, air bags, Steer into Savings, mySafetyValet, and good student.
- State Farm offers discounts for safe vehicle, multiple policy, Steer Clear safe driver discount, accident-free, Drive Safe & Save, passive restraint, and defensive driving training.
- 21st Century offers discounts including automatic seat belts, good student, 55 and older, early bird, anti-lock brakes, defensive driver, and student driver.
- Travelers may offer discounts for new car, payment discounts, continuous insurance, driver training, and save driver.
- GEICO may include discounts for anti-theft, military active duty, membership and employees, driver training, air bags, seat belt use, and multi-policy.
The information below visualizes the comparison of premium costs with and without discounts applied to the policy rates. The premiums are based on a male driver, two speeding tickets and one accident, Florida state minimum liability limits, comp and collision included, and $1,000 deductibles.
The first bar for each age group shows the average annual price with no discounts. The second bar shows the rates with paperless filing, vehicle safety, paid-in-full, anti-theft, multiple policy, and homeowner discounts applied. When these discounts are applied to the policy premium, the average savings per year on car insurance for high risk drivers is 28% or $1,097.
Finding the best insurer can be challenging considering how many companies sell insurance in Florida. The rank data in the lists below may help you pick which coverage providers to look at when comparing insurance rates for high risk drivers. The rankings below are only made up of the largest auto insurers in America, so companies that focus mainly on Florida business are not factored into these rankings.
| 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 |
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Data Source: Insure.com Best Car Insurance Companies
Full coverage rates compared to liability only
Paying a lower price for car insurance is the goal of most drivers, and an easy way to find cheap insurance for high risk drivers is to not pay for full coverage. The chart below shows the comparison of auto insurance costs when comparing full coverage to liability only. The costs are based on no accidents, no driving violations, $250 deductibles, drivers are not married, and no discounts are taken into consideration.
On average, physical damage insurance costs $2,186 per year over having just liability coverage. That is a big expense that brings up the question if buying full coverage is a waste of money. There is no clear-cut rule of when to phase out physical damage coverage, but there is a guideline you can consider. If the annual cost of coverage is more than around 10% of the replacement cost minus the deductible, then you may need to consider dropping full coverage.
Compare quotes and save
Jacksonville car insurance rates are influenced by many factors that control the price you have to pay for coverage. Simply getting older, having a claim, or getting a few speeding tickets can cause premium changes resulting in some rates now being more affordable than the competition. Not only may your situation change, but insurers change premium rates without warning in order to be able to pay unexpected claims. Larger than normal claims may result in higher rates, while better underwriting can produce lower-priced Jacksonville car insurance rates.
The data below shows rates for the cheapest car insurance in Jacksonville, FL for a 45-year-old female driver with no violations or accidents, and a high credit rating. If we look at prices based on her personal risk profile, USAA offers the cheapest car insurance rates in Jacksonville at $1,140 annually. This is $1,308 less than the average policy premium paid by Florida drivers of $2,448. Electric, Amica, Progressive, and Travelers are also on the list of the top five cheapest Jacksonville, FL auto insurance companies.
In this next rate comparison, we will give the driver from the first set of rates a chargeable claim, less-than-perfect credit, and an imperfect driving record. Since each auto insurance company has a different process to determine rates, analyzing rates most likely will result in a significantly different list of cheap Jacksonville auto insurance companies as shown below.
USAA now has the lowest price in Jacksonville with Allied, State Farm, Esurance, and Auto-Owners now rounding out the top five. This example shows why it is crucial to take the time to shop around when trying to find the cheapest auto insurance rates for high risk drivers.
Auto insurance prices are calculated by many risk factors and change substantially, so the best company when you bought your policy may now be costing you a lot of money.