Who Has Affordable Car Insurance Quotes for Handicapped Drivers in Jacksonville?

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The car, truck, or SUV you are buying coverage for is a large factor when quoting the most affordable auto insurance for handicapped drivers. Vehicles with reasonable performance levels, a great safety record, or a low likelihood of liability claims will cost substantially less to insure than fast, unsafe models.

The data below presents coverage costs for a selection of the more affordable automobiles to buy insurance for.

Cheapest Vehicles to Insure in Jacksonville, FL
Vehicle Make and Model Estimated Cost for Full Coverage
Hyundai Elantra GLS Touring Station Wagon $1,209
Ford Escape XLT 4WD $1,234
Toyota Tacoma Double Cab 4WD $1,251
Chevrolet Silverado LT Extended Cab 4WD $1,259
Toyota RAV4 Limited 4WD $1,251
Chevrolet Malibu LS $1,256
Ford Fusion S 4-Dr Sedan $1,251
Ford Explorer Limited 4WD $1,274
Honda Accord EX 4-Dr Sedan $1,295
Toyota Corolla LE $1,314
Honda CR-V EX 4WD $1,325
Chevrolet Silverado 2500HD LTZ Crew Cab 4WD $1,337
Honda Odyssey EX W/Rear Entertainment $1,405
Hyundai Sonata SE 4-Dr Sedan $1,407
Chevrolet Impala LT $1,430
Chevrolet Equinox LT AWD $1,436
Jeep Grand Cherokee Laredo 2WD $1,430
Toyota Prius $1,440
Dodge Grand Caravan CV $1,451
Ford F-150 Lariat Crew Cab 4WD $1,458
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Table data represents single female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Florida minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, safe-driver, and multi-policy. Premium costs do not factor in specific zip code location which can increase or decrease rates substantially.

Based on these rates, you can infer that models like the Hyundai Elantra, Ford Escape, Toyota Tacoma, and Chevrolet Silverado will be the most budget-friendly vehicles to insure for drivers with handicaps.

For drivers with handicaps, one of the more important considerations that are looked at to help calculate the price you pay for insurance is where you call home in Jacksonville. Areas with more people or more claims are more likely to pay higher prices, whereas less populated areas have the benefit of cheaper car insurance.

The table below lists the highest-priced areas in Florida for handicapped drivers in which to buy car insurance. Jacksonville is listed at #20 having an annual price of $1,980 on average, which is approximately $165 each month.

How much is auto insurance in Jacksonville, FL?
Rank City Annual Premium
1 Hialeah $3,630
2 Miami $3,273
3 Miami Gardens $3,181
4 Miami Beach $2,923
5 West Palm Beach $2,625
6 Pompano Beach $2,620
7 Hollywood $2,604
8 Miramar $2,603
9 Fort Lauderdale $2,550
10 Tampa $2,532
11 Coral Springs $2,499
12 Davie $2,448
13 Pembroke Pines $2,431
14 Brandon $2,392
15 St. Petersburg $2,196
16 Clearwater $2,194
17 Spring Hill $2,039
18 Orlando $2,008
19 Port St. Lucie $1,994
20 Jacksonville $1,980
21 Cape Coral $1,917
22 Lakeland $1,845
23 Tallahassee $1,784
24 Palm Bay $1,733
25 Gainesville $1,646
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Table data uses estimated as vehicle location can impact insurance rates greatly.

Choosing a highly-rated insurer can be difficult considering how many choices drivers have in Florida. The information below could help you analyze which insurers to look at when shopping around. The ratings below only include the largest companies in America, so companies that only write business in Florida or surrounding areas are not included in the list.

Top 10 Large Auto Insurance Providers Overall in Jacksonville

  1. Travelers
  2. USAA
  3. Mercury Insurance
  4. AAA Insurance
  5. Nationwide
  6. Allstate
  7. State Farm
  8. The Hartford
  9. Safeco Insurance
  10. Progressive

The chart below illustrates how your choice of deductibles can affect yearly insurance costs when trying to find cheap insurance for handicapped drivers. The rate quotes are based on a married male driver, comp and collision included, and no policy discounts are applied.

In the chart above, a 30-year-old driver could pocket $446 a year by switching the physical damage coverage from a $100 deductible up to a $500 deductible, or save $674 by choosing a $1,000 deductible. Even younger insureds, such as the 20-year-old example, can cut up to $1,354 annually just by choosing larger deductibles. When insureds make the decision to increase the deductibles on their policy, it will be important to have enough funds in savings to enable you to pay the extra out-of-pocket expense, which is the one inconvenience of using high deductibles.

Why you should be shopping around

Jacksonville auto insurance rates are influenced by many factors that may substantially change the price you have to pay. Simply turning a year older, buying a home, or getting a ticket for careless driving can trigger changes in premium that may make certain companies cheaper in comparison to the competition. Not only may your risk profile change, but insurers amend pricing as needed to reflect underwriting profits or losses. Significantly higher losses may result in higher rates, while profitable underwriting can result in cheaper Jacksonville car insurance rates.

For instance, the graph below analyzes the cheapest car insurance in Jacksonville, FL for a 45-year-old male driver with a clear driving record, no claims, and solid credit. Based on his current situation, USAA quotes the cheapest car insurance rates in Jacksonville at $1,117 per year. This is $1,331 less than the average premium paid by Florida drivers of $2,448. Amica, Electric, Progressive, and Allied are the remaining cheapest Jacksonville, FL auto insurance companies.

Let's now give the driver from the first set of rates a chargeable accident, a lower credit rating, and a few blemishes on his driving record. Because every insurance company has their own guidelines for establishing rates, comparing rates may now show a different set of cheap Jacksonville auto insurance companies as shown below.

USAA now has the cheapest auto insurance in Jacksonville with Mercury, Auto-Owners, Esurance, and State Farm also having competitive pricing. This example proves why drivers need to compare lots of rates when trying to find the lowest insurance rates for handicapped drivers.

Auto insurance prices are impacted by many risk factors and change substantially, so the cheapest rate when you last compared rates may now be priced much higher than other options.