Who Has Affordable Jacksonville Car Insurance Quotes for Safe Drivers?

Deciphering which company offers the cheapest insurance rates for safe drivers requires a little more sweat than just picking a company at random. Every auto insurer has a proprietary method for determining rates, so let’s take a look at the overall cheapest insurance companies in Florida.

Keep in mind that Jacksonville insurance rates are based on many factors that may substantially change the policy premium. Simply improving your credit, adding a teenager to your policy, or getting a driving violation can cause premium changes that can cause some rates to be cheaper than others.

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Florida car insurance ranked by cost per year
Rank Company Cost Per Year
1 USAA $977
2 Electric $1,746
3 Amica $1,764
4 Progressive $1,847
5 Travelers $1,888
6 Mercury $1,973
7 Allied $1,985
8 Esurance $2,102
9 State Farm $2,131
10 Auto-Owners $2,171
11 GEICO $2,172
12 Allstate $2,340
13 21st Century $2,397
14 Windhaven Insurance $2,653
15 Safeco $2,898
16 MetLife $2,900
17 Liberty Mutual $3,009
18 Hanover $3,054
19 United Automobile $3,457
20 Direct General $3,902
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USAA normally has some of the lowest car insurance rates in Jacksonville at around $977 per year. This is $1,471 less than the average price paid by Florida drivers of $2,448. Electric, Amica, Progressive, and Travelers would also be considered some of the most economical Jacksonville, FL auto insurance companies.

As shown above, if you are insured with Progressive and switched to Electric, you may realize savings of in the neighborhood of $101. Insureds with Travelers could save as much as $142 a year, and Mercury insureds might cut rates by $227 a year.

These estimates are averages for all types of insureds and vehicles and are not factoring in a specific zip code for safe drivers. So the company that can offer you the best price may not even be in the top 21 companies shown above. That helps illustrate why you need to get rate quotes using your own driver data and vehicle information.

The type of vehicle needing coverage is a significant factor that determines if you can find the lowest-priced coverage for safe drivers. Vehicles with reasonable performance levels, excellent safety ratings, or a positive history of liability claims will cost less to insure than higher performance models. The next list showcases auto insurance costs for a handful of the most affordable automobiles to insure in Florida.

Cheapest Vehicles to Insure in Jacksonville, FL
Vehicle Insured Estimated Cost for Full Coverage
Ford Escape Limited 2WD $1,016
Honda Accord EX 4-Dr Sedan $1,081
Honda CR-V EX 2WD $1,108
Ford Edge SEL AWD $1,147
Toyota RAV4 Sport 4WD $1,171
Dodge Grand Caravan Crew $1,193
Ford F-150 FX4 Super Cab 4WD $1,202
Honda Civic EX 4-Dr Sedan $1,210
Toyota Tacoma 4WD $1,219
Ford Focus SES 4-Dr Sedan $1,210
Toyota Prius $1,239
Honda Odyssey EX W/Rear Entertainment $1,249
Chevrolet Impala LS $1,257
Nissan Rogue S 2WD $1,254
Hyundai Sonata GLS 4-Dr Sedan $1,263
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Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Florida minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, multi-policy, and claim-free. Price estimates do not factor in the specific area where the vehicle is garaged which can influence prices greatly.

Based upon the table data, models like the Ford Escape, Honda Accord, Honda CR-V, and Ford Edge should be some of the more affordable vehicles to insure for good drivers.

For good drivers, one of the more important considerations that are looked at to help calculate the cost of insurance is where you live in Jacksonville. Areas with more people or higher crime rates tend to pay slightly more, whereas areas with fewer weather claims and lower vehicle theft rates benefit from lower rates.

The information below lists the priciest cities in Florida for safe drivers to purchase a policy in. Jacksonville comes in at #19 with the yearly price of $2,020 for the average policyholder, which is approximately $168 each month.

How much is car insurance in Jacksonville?
Rank City Annual Premium
1 Hialeah $3,523
2 Miami $3,241
3 Miami Gardens $3,181
4 Miami Beach $3,043
5 Tampa $2,636
6 West Palm Beach $2,625
7 Hollywood $2,604
8 Miramar $2,603
9 Fort Lauderdale $2,550
10 Coral Springs $2,549
11 Pompano Beach $2,543
12 Davie $2,473
13 Pembroke Pines $2,407
14 Brandon $2,368
15 St. Petersburg $2,196
16 Clearwater $2,172
17 Spring Hill $2,123
18 Orlando $2,029
19 Jacksonville $2,020
20 Port St. Lucie $1,916
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Prices are estimated as specific Jacksonville garaging address can affect premium rates noticeably.

Liability rates compared to full coverage

Saving money on insurance is probably important to the majority of drivers, and one of the best ways to pay less for insurance for safe drivers is to buy only liability coverage. The information below illustrates the comparison of auto insurance costs when comparing full coverage to liability only. The prices are based on no claims or driving citations, $100 deductibles, single status, and no discounts are applied to the premium.

If averaged out across all ages, full coverage on your policy costs an extra $2,656 per year more than carrying just liability coverage. At some point, almost every driver questions when is it a good idea to stop buying full coverage. There is no exact rule of when to stop paying for physical damage coverage, but there is a broad guideline. If the yearly cost for physical damage coverage is more than around 10% of the vehicle’s replacement cost less your deductible, then you may want to consider only buying liability coverage.

There are some scenarios where dropping full coverage is not a good idea. If you still have a lienholder on your title, you have to carry full coverage to satisfy the loan requirements. Also, if you can’t afford to buy a different vehicle in the even your car is totaled, you should not remove full coverage.

Ending up with a good quality insurance company can be difficult considering how many different companies sell coverage in Florida. The information in the next section can help you choose which auto insurance companies to look at when comparing rates. The rankings below are only made up of the largest companies in the United States, so smaller companies are not included in these rankings.

Best Ten Insurance Companies for Safe Drivers in Jacksonville
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
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Data Source: Insure.com Best Car Insurance Companies

How to find the cheapest auto insurance for safe drivers

Here are many thrifty suggestions that can help you quote cheap coverage.

The last idea is remarkably necessary, as was affirmed in this write-up. Coverage prices change a lot, so don’t be hesitant to switch carriers if you find a cheaper price.

Having a favorite company is fine, but it’s not a good idea if your bullheadedness ends up costing you money that could be spent on other things. Take a couple minutes and compare rates to find cheaper auto insurance for safe drivers in Jacksonville.