One of the many factors that aid in calculating the cost of insurance is your address. Cities with larger populations tend to pay more, whereas areas with fewer weather claims and lower vehicle theft rates benefit from lower coverage costs.
The following table shows the priciest cities in Florida for hybrid vehicles to buy car insurance in. Jacksonville ranks #19 costing $1,960 for the average policyholder, which is around $163 monthly.
| Rank | City | Premium Per Year |
|---|---|---|
| 1 | Hialeah | $3,523 |
| 2 | Miami Gardens | $3,277 |
| 3 | Miami | $3,273 |
| 4 | Miami Beach | $3,043 |
| 5 | Miramar | $2,709 |
| 6 | West Palm Beach | $2,679 |
| 7 | Tampa | $2,636 |
| 8 | Hollywood | $2,552 |
| 9 | Fort Lauderdale | $2,550 |
| 10 | Davie | $2,548 |
| 11 | Pompano Beach | $2,543 |
| 12 | Coral Springs | $2,499 |
| 13 | Pembroke Pines | $2,431 |
| 14 | Brandon | $2,298 |
| 15 | Clearwater | $2,260 |
| 16 | St. Petersburg | $2,219 |
| 17 | Spring Hill | $2,039 |
| 18 | Orlando | $2,029 |
| 19 | Jacksonville | $1,960 |
| 20 | Cape Coral | $1,917 |
| 21 | Port St. Lucie | $1,916 |
| 22 | Lakeland | $1,883 |
| 23 | Palm Bay | $1,750 |
| 24 | Tallahassee | $1,731 |
| 25 | Gainesville | $1,630 |
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Annual rates are approximated as specific Jacksonville garaging address can influence coverage prices greatly.
Deciding which companies have the cheapest insurance rates for hybrid vehicles takes a tad more effort in order to find the best price. Every auto insurer used slightly different criteria for setting rates, so let’s examine the most affordable insurance companies in Jacksonville, FL.
It’s a good idea to know that Jacksonville insurance rates are determined by lots of factors that can increase the cost of coverage. Simply having a birthday, having a claim, or getting into an accident may prompt premium changes resulting in some rates now being cheaper than before.
Best Insurance Companies for Hybrids
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $957 |
| 2 | Amica | $1,694 |
| 3 | Electric | $1,746 |
| 4 | Progressive | $1,775 |
| 5 | Travelers | $1,869 |
| 6 | Allied | $1,985 |
| 7 | Mercury | $1,992 |
| 8 | State Farm | $2,068 |
| 9 | Esurance | $2,102 |
| 10 | Auto-Owners | $2,107 |
| 11 | GEICO | $2,108 |
| 12 | Allstate | $2,411 |
| 13 | 21st Century | $2,469 |
| 14 | Windhaven Insurance | $2,549 |
| 15 | MetLife | $2,900 |
| 16 | Safeco | $2,927 |
| 17 | Hanover | $3,054 |
| 18 | Liberty Mutual | $3,131 |
| 19 | United Automobile | $3,562 |
| 20 | Direct General | $3,902 |
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USAA generally has some of the most affordable car insurance rates in Jacksonville at around $957 annually. This is $1,491 less than the average rate paid by Florida drivers of $2,448. Amica, Electric, Progressive, and Travelers are also some of the most economical Jacksonville, FL insurance companies.
As shown in the rates above, if you currently buy coverage from Progressive and switched to USAA, you could realize a yearly price reduction of in the vicinity of $818. Policyholders with Travelers could save as much as $912 a year, and Allied customers might see rate reductions of $1,028 a year.
To find the cheapest coverage for you, click here to start a quote or visit several of the following companies.
It’s important to note that these premium estimates are averages across all drivers and vehicles in Florida and do not factor in an exact zip code location for hybrid vehicles. So the auto insurance company that can offer you the lowest price may not even be in the top 21 companies shown above. That emphasizes why you need to get rate quotes using your own driver information and specific vehicle type.
The vehicle you are trying to insure is probably the most important factor when looking for the lowest-priced insurance for hybrid vehicles. Vehicles with limited speed and performance, advanced safety features, or a track record of few liability claims will cost much less to insure than fast, unsafe models. The information below illustrates coverage costs for a number of the most budget-friendly vehicles to buy coverage for.
| Vehicle Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Honda CR-V EX 4WD | $1,120 |
| Honda Accord EX 4-Dr Sedan | $1,235 |
| Ford Escape Limited 2WD | $1,268 |
| Chevrolet Malibu Hybrid | $1,296 |
| Toyota RAV4 4WD | $1,305 |
| Hyundai Elantra SE Touring Station Wagon | $1,306 |
| Jeep Wrangler Unlimited Sport Islander Package 4WD 4-Dr | $1,332 |
| Volkswagen Jetta S 2.5 Station Wagon | $1,334 |
| Chevrolet Silverado LS Regular Cab 4WD | $1,358 |
| Toyota Prius | $1,367 |
| Toyota Camry SE | $1,372 |
| Nissan Rogue SL 2WD | $1,386 |
| Hyundai Sonata GLS 4-Dr Sedan | $1,391 |
| Toyota Tacoma 2WD | $1,388 |
| GMC Sierra 2500HD SLE Regular Cab 4WD | $1,391 |
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Price data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Florida minimum liability limits. Discounts applied include homeowner, safe-driver, claim-free, multi-vehicle, and multi-policy. Rate information does not factor in specific zip code location which can increase or decrease premium rates significantly.
Based on these rates, you can conclude that models like the Honda CR-V, Honda Accord, and Ford Escape are going to be a few of the cheaper vehicles to insure for hybrids.
Difference between full coverage and liability only rates
Paying less for insurance is the goal of the majority of people, and one of the easiest ways to find cheap insurance for hybrid vehicles is to not pay for full coverage. The example below visualizes the comparison of auto insurance costs with full physical damage coverage compared to only buying the minimum liability limits required in Florida. The rate quotes are based on no accidents, no driving violations, $100 deductibles, marital status is single, and no policy discounts are applied.
If averaged out across all ages, physical damage insurance costs $2,385 per year over and above liability coverage. That is a significant amount which raises the question if paying for full coverage is a waste of money. There is no clear-cut rule of when to exclude physical damage coverage on your policy, but there is a guideline you can consider. If the yearly cost of comp and collision coverage is more than 10% of the replacement cost minus the deductible, then it could be time to drop full coverage.
Get discounts on Jacksonville auto insurance rates
Car insurance companies that sell policies for hybrid vehicles may also give you policy discounts that could reduce prices by as much as 35% if you qualify for them. The best insurance companies and some of the premium reductions they offer are detailed below.
- State Farm offers premium reductions for defensive driving training, multiple autos, passive restraint, safe vehicle, and good student.
- Nationwide offers discounts for family plan, multi-policy, anti-theft, business or organization, easy pay, and good student.
- GEICO policyholders can earn discounts including emergency military deployment, air bags, five-year accident-free, multi-vehicle, seat belt use, and membership and employees.
- AAA discounts include AAA membership discount, education and occupation, anti-theft, good driver, pay-in-full, good student, and multi-policy.
- 21st Century has savings for air bags, student driver, automatic seat belts, homeowners, and theft prevention.
- The Hartford has discounts for driver training, defensive driver, anti-theft, vehicle fuel type, good student, and air bag.
The example below shows the comparison of insurance prices with and without discounts applied to the policy premium. The information is based on a male driver, no claims, a clean driving record, Florida state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows insurance cost with no discounts. The lower bar shows the rates with safe-driver, multiple vehicle, marriage, anti-theft, passive restraint, and homeowner discounts applied. When drivers take advantage of discounts, theamount saved on insurance for hybrid vehicles is 28% or $594.
Selecting a highly-rated insurer is difficult considering how many choices there are in Jacksonville. The ranking data below can help you analyze which auto insurers you want to consider when comparing rate quotes. These rankings are only comprised of insurance companies that insure vehicles in the majority of U.S. states, so companies without a large exposure will not be included in the list.
Top 10 Major Auto Insurance Companies in Jacksonville Ranked by Value
- Mercury Insurance
- Travelers
- American Family
- AAA Insurance
- Safeco Insurance
- Progressive
- The Hartford
- The General
- 21st Century
- Esurance