Who Has Affordable Auto Insurance Quotes for High School Students in Jacksonville?

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The words "cheap" and "insurance" really don't belong together, specifically when comparison shopping for the cheapest car insurance for high school students. In an attempt to save some money, let's familiarize you with a few of the factors that help determine car insurance prices, and figure out some ideas to take a little off your next policy.

One of the more important criteria that determine auto insurance rates is where you call home in Jacksonville. More populated areas likely pay more, whereas areas with lower crime rates and fewer weather claims have the benefit of cheaper auto insurance prices.

The table below ranks the highest-priced places in Florida for high school students to buy auto insurance in. Jacksonville is ranked at #18 with an annual cost of $2,040 for the average insured, which is around $170 monthly.

How much is auto insurance in Jacksonville, FL?
Rank City Annual Rate
1 Hialeah $3,523
2 Miami Gardens $3,245
3 Miami $3,241
4 Miami Beach $2,923
5 Miramar $2,629
6 West Palm Beach $2,625
7 Hollywood $2,604
8 Fort Lauderdale $2,576
9 Tampa $2,558
10 Pompano Beach $2,518
11 Coral Springs $2,474
12 Davie $2,448
13 Pembroke Pines $2,431
14 Brandon $2,298
15 St. Petersburg $2,263
16 Clearwater $2,172
17 Spring Hill $2,060
18 Jacksonville $2,040
19 Orlando $2,008
20 Port St. Lucie $1,935
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Rate quotes are approximated as the specific area where the vehicle is garaged can increase or decrease rates noticeably.

Determining which companies have the lowest-priced auto insurance rates for high school students may require a bit more work in order to find the lowest price quote.

Each company has a proprietary formula for establishing rates, so we will examine the overall cheapest auto insurance companies in Florida.

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Cheapest Florida auto insurance companies
Rank Company Cost Per Year
1 USAA $948
2 Electric $1,712
3 Amica $1,712
4 Progressive $1,793
5 Travelers $1,926
6 Mercury $1,933
7 Allied $1,985
8 Esurance $2,040
9 State Farm $2,068
10 GEICO $2,086
11 Auto-Owners $2,171
12 Allstate $2,411
13 21st Century $2,469
14 Windhaven Insurance $2,627
15 Hanover $2,934
16 Safeco $2,987
17 MetLife $2,988
18 Liberty Mutual $3,039
19 United Automobile $3,527
20 Direct General $4,062
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USAA offers some of the best car insurance rates in Jacksonville at around $948 a year. Electric, Amica, Progressive, and Travelers would also make the list of some of the cheaper Jacksonville, FL car insurance companies.

As the rates illustrate above, if you currently have coverage with Amica and switched to USAA, you may see yearly savings of upwards of $764. Policyholders with Progressive may save as much as $845 a year, and Travelers insureds might lower prices by $978 a year.

It's important to note that these rates are averaged for all drivers and vehicles in Florida and and are not calculated with a specific zip code for high school students. So the car insurance company that has the cheapest rates for you may not even be in the list above. That point stresses why you need to get rate quotes using your own specific driver and vehicle information.

The make and model of vehicle you are trying to insure is probably the biggest factor in finding the best cheap auto insurance for high school students. Vehicles with high performance, poor passenger safety features, or a history of substantial liability claims will cost substantially more to insure than safer, lower-performance models. The next table illustrates car insurance costs for a handful of the most economical vehicles to buy insurance for.

Cheapest Vehicles to Insure in Jacksonville, FL
Vehicle Insured Estimated Cost for Full Coverage
Honda CR-V EX 4WD $4,375
Ford Escape Limited 4WD $4,665
Toyota Prius $4,713
Ford Edge SE 2WD $4,796
Dodge Grand Caravan SE $4,844
Ford Focus S 4-Dr Sedan $5,085
Chevrolet Impala LS $5,092
Toyota RAV4 4WD $5,133
Volkswagen Jetta S 4-Dr Sedan $5,139
GMC Sierra SL Extended Cab 2WD $5,133
Chevrolet Equinox LS AWD $5,138
Toyota Tacoma Double Cab TRD Off-Road Package 4WD $5,182
Ford Explorer Eddie Bauer 4WD $5,187
Hyundai Elantra Blue 4-Dr Sedan $5,372
Toyota Camry XLE $5,420
Honda Odyssey EX-L W/Navigation $5,430
Toyota Corolla XRS $5,469
Jeep Grand Cherokee SRT-8 4WD $5,475
Chevrolet Malibu LTZ $5,469
Ford Fusion SE 4-Dr Sedan $5,474
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Cost estimates assume single male driver age 18, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Florida minimum liability limits. Discounts applied include safe-driver, and claim-free. Rate quotes do not factor in specific Jacksonville, FL garaging location which can modify premiums greatly.

Looking at the rates, you can see that makes and models like the Honda CR-V, Ford Escape, and Toyota Prius will definitely be some of the most affordable vehicles to insure for teenagers. Auto insurance rates will tend to be higher because there is more exposure for high school students, but overall those models will tend to have the best rates compared to all other vehicles.

The illustration below shows how choosing a deductible can increase or decrease insurance rates when researching cheap insurance for high school students. The costs are based on a single female driver, full physical damage coverage, and no policy discounts are applied.

As shown above, a 40-year-old driver could pocket $332 a year by changing from a $100 deductible up to a $500 deductible, or save $500 by changing to a $1,000 deductible. Young drivers, such as the Age 20 example, have the ability to save $838 every year just by using higher deductibles. When increasing deductibles, it is a good idea to have spare funds to offset the extra out-of-pocket expense. This is the primary disadvantage of choosing high deductibles.

Buying coverage from the top auto insurance company can be a challenge considering how many different companies there are to choose from in Jacksonville. The information displayed below could help you analyze which car insurance companies to look at shopping prices with. These rankings only include companies that write coverage in many states, so companies with more of a regional focus are not factored into these rankings.

Top 10 Major Auto Insurance Companies 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

Top 10 Major Auto Insurance Companies in Jacksonville Ranked by A.M. Best Rating

  1. Travelers - A++
  2. USAA - A++
  3. GEICO - A++
  4. State Farm - A++
  5. Titan Insurance - A+
  6. Esurance - A+
  7. Progressive - A+
  8. The Hartford - A+
  9. Allstate - A+
  10. Nationwide - A+

How to find budget-friendly car insurance for high school students

It is possible to find better rates, and here are some of the recommended thrifty suggestions that can help Florida drivers get cheaper auto insurance.

The last idea is particularly valuable, as we noted in the prior information. Prices charged by car insurance companies in Jacksonville fluctuate considerably, so drivers shouldn't be reluctant to switch carriers if you find a cheaper price. Staying with the same company for years is fine, but it's not a great idea if that dedication is costing lots of money. If you have a few minutes, now is a great time to compare prices to find cheaper car insurance for high school students.

The Jacksonville, FL, insurance agents below are a good start to provide answers to your questions and help you determine which car insurance company is the best fit, since some people prefer to get some professional advice when trying to find lower insurance rates for teenagers. It can be complicated to find the best policy yourself, and getting advice from a licensed Florida insurance agent can bring peace of mind knowing your coverage gives you enough coverage when you need it.

To locate a Jacksonville auto insurance agent nearest to you, click the button after the list or click here to compare price quotes now.

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