Figuring out which companies quote the cheapest auto insurance rates for Uber drivers calls for more work than just picking a company at random. Every auto insurer has a different formula for filing rates in each state, so we will examine the auto insurance companies with the overall best prices in Jacksonville, FL.
It’s a good idea to be aware that Jacksonville, FL auto insurance rates are based on many factors which can significantly increase or decrease the policy price. Simply getting older, buying a home, or getting a ticket for running a stop sign can trigger changes in premium that can make some companies cheaper than competitors.
Lowest Insurance Price Quotes for Your Uber Vehicle
|Rank||Company||Cost Per Year|
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USAA offers some of the best car insurance rates in Jacksonville at around $977 a year. Electric, Amica, Progressive, and Travelers also are some of the best Jacksonville, FL car insurance companies.
As shown in the table above, if you are a policyholder with Amica and switched to USAA, you could see an annual premium reduction of about $787. Drivers with Progressive might save as much as $852 a year, and Travelers insureds might reduce prices by as much as $911 a year.
Understand that those premiums are averages for all drivers and vehicles and and are not figured with a vehicle location for Uber drivers. So the car insurance company that is most affordable for your situation may not even be in the list above. That underscores the importance of why you need to quote rates from as many companies as possible using your own individual information.
The vehicle on the policy is one of the largest considerations that determines whether or not you find the lowest-priced insurance for Uber drivers. Vehicles with lower acceleration and performance, excellent safety ratings, or a positive history of liability claims will cost much less to insure than high performance models.
The next table showcases car insurance premiums for a selection of the most economical automobiles to buy coverage for.
|Make and Model||Estimated Cost for Full Coverage|
|Ford Escape Limited 4WD||$1,260|
|Honda CR-V LX 2WD||$1,270|
|Volkswagen Jetta S 4-Dr Sedan||$1,375|
|Toyota RAV4 4WD||$1,384|
|Toyota Tacoma Double Cab TRD Off-Road Package 4WD||$1,401|
|Dodge Grand Caravan Crew||$1,406|
|Ford Explorer Limited 4WD||$1,401|
|Honda Accord EX-L 4-Dr Sedan||$1,416|
|Hyundai Elantra Blue 4-Dr Sedan||$1,426|
|Ford Focus SES 4-Dr Sedan||$1,433|
|Ford Fusion SEL 4-Dr Sedan||$1,477|
|Jeep Wrangler Rubicon 4WD 2-Dr||$1,479|
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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 safe-driver, multi-vehicle, claim-free, multi-policy, and homeowner. Rate quotes do not factor in specific location information which can lower or raise insurance rates substantially.
Looking at the rates, you can conclude that vehicles like the Ford Escape, Honda CR-V, and Volkswagen Jetta will be a few of the more affordable vehicles to insure for Uber vehicles.
One of the many factors that help determine car insurance rates is where you keep your car in Jacksonville. Areas with increased crime or more people tend to have higher rates, whereas areas with fewer weather claims and lower vehicle theft rates benefit from lower prices.
The illustration below rates the most expensive places in Florida for Uber drivers in which to buy car insurance. Jacksonville is ranked #20 costing $1,980 for the average policyholder, which is approximately $165 each month.
|Rank||City||Average Per Year|
|6||West Palm Beach||$2,679|
|19||Port St. Lucie||$1,994|
|Compare Prices Now Go|
Premium costs are approximated as specific Jacksonville zip code can influence rates considerably.
Safe drivers pay less for auto insurance
In a perfect world, the best way to earn low auto insurance premiums for Uber vehicles is to be a cautious driver and have a clean driving record. The illustration below demonstrates how speeding tickets and accident claims drive up premium costs for each age group. The rate quotes are based on a single male driver, full coverage, $100 deductibles, and no other discounts are factored in.
The chart shows that the average cost of an auto insurance policy in Jacksonville per year with no violations or accidents is $3,196. Factor in one speeding ticket and the average cost rises to $3,601, an increase of $405 each year. Then throw in one accident along with the one speeding ticket and the 12-month cost of auto insurance for Uber drivers increases to an average of $4,762. That’s an increase of $1,566, or $130 per month, just for not paying attention while driving!
Choosing a highly-rated insurance provider can be challenging considering how many different companies there are to choose from in Florida. The company information below can help you pick which auto insurance companies you want to consider when comparing rate quotes. These ratings are for companies that write coverage in many states, so smaller companies that only insure vehicles in Florida are not factored into this list.
Top 10 Major Auto Insurance Companies Overall in Jacksonville
- Mercury Insurance
- AAA Insurance
- State Farm
- The Hartford
- Safeco Insurance
Top 10 Major Auto Insurance Companies in Jacksonville Ranked by Customer Satisfaction
- USAA – 91%
- AAA Insurance – 90%
- Esurance – 90%
- Mercury Insurance – 89%
- Nationwide – 89%
- Travelers – 88%
- Progressive – 88%
- Safeco Insurance – 88%
- State Farm – 88%
- Allstate – 88%
Discount Jacksonville insurance
Car insurance companies that provide coverage for Uber drivers may also provide policy discounts that could lower prices by 30% or more if you qualify. Companies and a summarized list of policyholder discounts are:
- GEICO may offer discounts for good student, seat belt use, multi-vehicle, five-year accident-free, membership and employees, driver training, and anti-theft.
- Travelers includes discounts for hybrid/electric vehicle, multi-policy, driver training, student away at school, and early quote.
- Farm Bureau has savings for driver training, multi-policy, youthful driver, safe driver, and 55 and retired.
- Liberty Mutual may have discounts that include good student, multi-car, exclusive group savings, hybrid vehicle, multi-policy, teen driver discount, and new vehicle discount.
- American Family policyholders can earn discounts including bundled insurance, defensive driver, good driver, Steer into Savings, and multi-vehicle.
- Progressive offers discounts including multi-policy, online signing, homeowner, multi-vehicle, and good student.
The chart below compares premium costs with and without discounts. The premiums assume a male driver, no claims or driving violations, Florida state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows the price with no discounts. The lower bar shows the rates with safe-driver, accident-free, passive restraint, anti-theft, claim-free, and homeowner discounts applied. When these discounts are applied to the policy premium, theaverage yearly reduction on auto insurance for Uber drivers is 28% or $827.
Why are you paying too much for Jacksonville car insurance?
Jacksonville, FL auto insurance rates are determined by lots of factors that will increase or decrease the cost of coverage. Simply improving your credit, buying a new vehicle, or having an at-fault accident can produce rate changes that may make certain companies cheaper than before. Not only may your risk profile change, but companies change their prices without warning to help ensure profitability. Heavy losses can cause high rates, while better underwriting may cause cheaper Jacksonville car insurance rates.
For example, the bar chart below shows the cheapest car insurance in Jacksonville, FL for a 45-year-old female driver with no prior claims, no tickets, and good credit. If we compare prices based on her current risk profile, USAA has the most affordable car insurance rates in Jacksonville at $1,198 annually. This is $1,250 less than the average premium paid by Florida drivers of $2,448. Electric, Amica, Progressive, and Travelers also make the list of the cheapest Jacksonville, FL auto insurance companies.
The example below compares rates after we give the driver in the first chart some claims, a lower credit rating, and a blemish on her driving record. Because each company has their own formula for determining prices, comparing insurance quotes could now result in a new list of affordable Jacksonville car insurance companies as shown below.
USAA now has the cheapest auto insurance in Jacksonville, FL with Mercury, Esurance, State Farm, and GEICO completing the list. This example shows why consumers need to compare as many rates as possible to find the cheapest auto insurance rates for Uber drivers. Rates are impacted by many risk factors and can change without notice, so the most economical company three years ago may now be one of the more expensive options.