Who Has Affordable Jacksonville Auto Insurance for Electric Cars?

The vehicle you are insuring is one of the biggest factors that determines if you can find cheaper auto insurance for electric cars. Vehicles with lower performance, an excellent safety record, or low incidents of liability claims will cost much less to insure than fast, unsafe models.

The table below features coverage premiums for the most affordable automobiles to buy insurance for.

Cheapest Vehicles to Insure in Jacksonville, FL
Insured Vehicle Estimated Cost for Full Coverage
Honda CR-V EX 4WD $1,244
Ford Escape Limited 4WD $1,319
Jeep Wrangler Sport 4WD 2-Dr $1,447
Ford Explorer Limited 2WD $1,467
Toyota Corolla XLE $1,514
Hyundai Elantra SE 4-Dr Sedan $1,519
Toyota Camry SE $1,514
Ford Fusion Sport 4-Dr Sedan $1,542
Chevrolet Malibu LTZ $1,551
Nissan Altima 3.5 SR 4-Dr Sedan $1,542
GMC Sierra 2500HD SLT Extended Cab 4WD $1,617
Honda Accord EX-L 4-Dr Sedan $1,622
Kia Optima SX $1,647
Volkswagen Jetta S 4-Dr Sedan $1,650
Toyota RAV4 2WD $1,660
Chevrolet Equinox LT 2WD $1,650
Toyota Prius $1,657
Dodge Ram Crew Cab Laramie 2WD $1,675
Toyota Tacoma Double Cab 4WD $1,680
Honda Civic LX 4-Dr Sedan $1,705
Ford Focus SES 4-Dr Sedan $1,712
Ford F-150 XLT Super Cab 4WD $1,707
Ford Edge SE AWD $1,732
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Premium data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Florida minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-vehicle, and multi-policy. Rate information does not factor in specific garaging location which can increase or decrease price quotes considerably.

Looking at the data, we can presume that makes and models like the Honda CR-V, Ford Escape, Jeep Wrangler, Ford Explorer, and Toyota Corolla are likely to be a few of the cheaper vehicles to insure for eco-friendly vehicles.

One of the more important criteria that aid in calculating car insurance rates is your zip code in Jacksonville. More densely populated places are more likely to have higher rates, whereas areas with lower vehicle theft rates and fewer weather claims can boast about having cheaper rates.

The following table sorts the most expensive areas in Florida for electric cars to buy auto insurance in. Jacksonville shows up at #19 costing $1,960 for the average insured, which is about $163 each month.

How much does car insurance cost in Jacksonville, FL?
Rank City Annual Premium
1 Hialeah $3,630
2 Miami Gardens $3,277
3 Miami $3,177
4 Miami Beach $3,043
5 Miramar $2,709
6 West Palm Beach $2,679
7 Hollywood $2,630
8 Pompano Beach $2,620
9 Tampa $2,610
10 Fort Lauderdale $2,576
11 Coral Springs $2,549
12 Davie $2,523
13 Pembroke Pines $2,407
14 Brandon $2,368
15 St. Petersburg $2,286
16 Clearwater $2,194
17 Spring Hill $2,123
18 Orlando $2,090
19 Jacksonville $1,960
20 Port St. Lucie $1,935
21 Cape Coral $1,917
22 Lakeland $1,883
23 Palm Bay $1,803
24 Tallahassee $1,731
25 Gainesville $1,696
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Premium amounts are approximated as the specific geographic location can raise or lower insurance rates considerably.

Locating reasonably-priced insurance is easier said than done, and figuring out which insurers offer the cheapest car insurance rates for electric cars requires even more shopping around.

Every insurance company uses slightly different criteria to set policy rates, so let’s rank the most affordable car insurance companies in Florida. It’s a good idea to know that Florida car insurance rates are determined by lots of factors which can significantly increase or decrease the cost of having a policy. This is why Florida drivers need to perform a complete rate comparison to get cheap car insurance rates for electric cars. Insurance rates are impacted by many risk factors and change frequently, so the most affordable company the last time you checked may now cost much more than other companies.

Find the Cheapest Auto Insurance for EV’s

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USAA offers some of the lowest car insurance rates in Jacksonville at around $986 annually. Amica, Electric, Progressive, and Mercury are also some of the best Jacksonville, FL insurance companies.

As shown above, if you are a customer of Progressive and switched to USAA, you may see a yearly price reduction of roughly $789. Insureds with Mercury may save as much as $928 a year, and Travelers policyholders might see rate reductions of $940 a year.

To see how much you can save, click here or visit several of the following companies.

Remember that these rates are averaged across all drivers and vehicles in Florida and and are not figured with an exact location for electric cars. So the company that is best for you may not even be in the top 21 companies shown above. That points out the importance of why you need to compare rates from multiple companies using your own driver information and specific vehicle type.

Ending up with the best auto insurance provider can be challenging considering how many different companies sell coverage in Jacksonville. The rank data shown below could help you pick which insurers to look at when comparing insurance rates for electric cars.

The ratings below are for large insurance companies, so smaller regional companies will not be included in the list. To get rate quotes from these companies and more, click this link.

Top 10 Major Auto Insurance Providers in Jacksonville Ranked by Claims Service

  1. Travelers
  2. Nationwide
  3. Allstate
  4. State Farm
  5. Liberty Mutual
  6. GEICO
  7. American Family
  8. Esurance
  9. Titan Insurance
  10. AAA Insurance

Top 10 Major Auto Insurance Providers in Jacksonville Ranked by Value

  1. Mercury Insurance
  2. Travelers
  3. American Family
  4. AAA Insurance
  5. Safeco Insurance
  6. Progressive
  7. The Hartford
  8. The General
  9. 21st Century
  10. Esurance

Car insurance rates are higher with tickets and accidents

The best way to find affordable car insurance premiums in Jacksonville for eco-friendly vehicles is to drive attentively and avoid traffic citations and accidents. The information below shows how speeding tickets and at-fault collisions can affect insurance costs for each age group. The data is based on a married female driver, full physical damage coverage, $1,000 deductibles, and no policy discounts are applied.

In the previous example, the average cost of an auto insurance policy per year with no violations or accidents is $1,340. Factor in two speeding tickets and the average cost hikes up to $1,892, an increase of $553 each year. Now get one accident along with the two speeding tickets and the 12-month cost of car insurance for electric cars jumps again to an average of $2,454. That’s an increase of $1,115, or $93 per month, just for being a less-than-perfect driver!

How to find more affordable auto insurance for electric cars

Lowering your rates is not difficult, and here are some of the recommended penny-pinching ideas that can help you buy cheap coverage.

The last idea is highly important, as we hit on in the article above. Coverage prices in Jacksonville change frequently, so don’t be tentative to change to a new company if a better rate can be found. Being loyal to a particular company is commendable, but it’s not recommended if that stubbornness costs you lots of money. It only takes a couple minutes to shop around and find cheaper car insurance for electric cars.

If you would rather get some professional advice when comparing insurance rates for electric cars, the insurance agencies below are a good start to aid you in deciding which auto insurance coverages would be the best in your situation. To find a Jacksonville insurance agency closest to you, click the button following the list.

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