How Much is Auto Insurance for First-time Drivers in Jacksonville?

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The words "affordable" and "auto insurance" really shouldn't be used together, in particular when searching for the best coverage prices for first-time drivers. In an attempt to save some money, let's get started by showing you some situations that have a considerable impact on car insurance prices, and find a few ways to cut the cost of the next policy you buy.

For new drivers, one of the more important considerations that help determine insurance cost is where you live. Areas with increased crime or more people tend to have more expensive auto insurance rates, whereas areas that tend to be more rural benefit from having to pay less for coverage.

The next table ranks the most costly cities in Florida for first-time drivers to buy an auto insurance policy in. Jacksonville is listed at #19 with an annual cost of $2,040 for coverage, which is around $170 monthly.

How much does car insurance cost in Jacksonville, FL?
Rank City Premium Per Year
1 Hialeah $3,523
2 Miami Gardens $3,245
3 Miami $3,177
4 Miami Beach $2,953
5 West Palm Beach $2,625
6 Pompano Beach $2,620
7 Tampa $2,610
8 Miramar $2,603
9 Hollywood $2,526
10 Davie $2,523
11 Fort Lauderdale $2,500
12 Coral Springs $2,499
13 Pembroke Pines $2,431
14 Brandon $2,322
15 Clearwater $2,238
16 St. Petersburg $2,196
17 Spring Hill $2,123
18 Orlando $2,069
19 Jacksonville $2,040
20 Port St. Lucie $1,916
21 Lakeland $1,901
22 Cape Coral $1,860
23 Palm Bay $1,803
24 Tallahassee $1,784
25 Gainesville $1,630
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Rates are comparative as the garaging address in Jacksonville can impact premium rates considerably.

The car, truck, or SUV you are seeking coverage for is one of the largest factors that determines whether or not you find economical auto insurance for first-time drivers. Vehicles with limited top-end speed, advanced safety features, or a positive history of liability claims will cost significantly less to insure than higher performance models. The next table shows car insurance costs for a handful of the most economical automobiles to insure.

Cheapest Vehicles to Insure in Jacksonville, FL
Vehicle Insured Estimated Cost for Full Coverage
Honda CR-V LX 2WD $4,593
Hyundai Elantra GLS Touring Station Wagon $4,600
Ford Escape XLT 2WD $4,593
Honda Accord LX-P 4-Dr Sedan $4,599
Toyota Prius $4,987
Ford Explorer Eddie Bauer 2WD $5,149
Jeep Wrangler Sahara 4WD 2-Dr $5,154
Dodge Grand Caravan SE $5,149
Ford F-150 XL Crew Cab 4WD $5,197
Toyota RAV4 Limited 4WD $5,447
Ford Fusion S 4-Dr Sedan $5,456
Toyota Tacoma Double Cab 4WD $5,447
GMC Sierra SL Extended Cab 2WD $5,454
Toyota Camry LE $5,447
Jeep Grand Cherokee Laredo 2WD $5,456
Chevrolet Malibu LS $5,447
Honda Civic EX 4-Dr Sedan $5,699
Ford Edge Sport AWD $5,747
Chevrolet Impala LTZ $5,755
Toyota Corolla XRS $5,795
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Data assumes single male driver age 17, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Florida minimum liability limits. Discounts applied include claim-free, and safe-driver. Rate quotes do not factor in specific location which can impact prices significantly.

Based upon the table data, cars like the Honda CR-V, Hyundai Elantra, and Ford Escape will definitely be some of the most economical vehicles to insure for new drivers. The price for an auto insurance policy will tend to be more expensive anyway because there is more risk for first-time drivers, but in general those vehicles will have the cheapest auto insurance rates compared to other types of vehicles.

Safe drivers pay cheaper rates

In a perfect world, the best way to receive the most affordable car insurance rates in Jacksonville for new drivers is to pay attention while driving and avoid accidents and keep your driving record clean. The illustration below shows how speeding tickets and at-fault accidents can drive up insurance costs for different insured age categories. The rate quotes are based on a married female driver, full coverage, $250 deductibles, and no other discounts are factored in.

The data charted above shows the average cost of a car insurance policy in Jacksonville per year with no accidents and a clean driving record is $1,686. Add in two speeding tickets and the average cost increases to $2,396, an increase of $710 each year. Then include two accidents along with the two speeding tickets and the 12-month cost of car insurance for first-time drivers increases to an average of $5,016. That's an increase of $3,329, or $277 per month, just for being a careless driver!

Insuring your vehicle with the right insurance provider is hard considering how many choices you have in Jacksonville. The ranking information shown next can help you choose which coverage providers you want to consider shopping prices with. The ratings below only include companies with a national presence, so companies that only write business in Florida or surrounding areas are not taken into consideration for the list.

Best 15 Car Insurance Companies for First-time 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
American Family 91 86 95 83% A 89.7
Esurance 86 90 94 90% A+ 89.5
The General 86 93 89 84% A- 88.2
GEICO 79 89 95 87% A++ 87.8
Titan Insurance 86 82 92 86% A+ 86.5
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Data Source: Insure.com Best Car Insurance Companies

The importance of shopping around

Florida car insurance rates are impacted by many factors that will increase or decrease the price you have to pay. Simply getting older, buying a different vehicle, or getting a ticket for running a stop sign can produce rate changes resulting in some companies being cheaper in comparison to the competition.

And not only may your rating factors change, but insurers amend pricing without warning to adjust for heavy claims or excess profits. A period of increased losses may result in increased rates, while a lower level of claims can cause cheaper Jacksonville car insurance rates.

The data below compares the cheapest car insurance in Jacksonville, FL for a 30-year-old male driver with no prior claims, no tickets, and great credit. When comparing rates based on his personal profile, USAA quotes the lowest car insurance rates in Jacksonville at $1,151 per year. This is $1,297 less than the average rate paid by Florida drivers of $2,448. Amica, Electric, Progressive, and Travelers also make the list of the best Jacksonville, FL auto insurance companies.

Now let's give the driver from the first rate comparison an accident claim, a lower credit rating, and a few blemishes on his driving record. Since each auto insurance company has a unique approach for setting prices, analyzing rate quotes could result in a substantially altered list of companies as shown below.

USAA now has the best price in Jacksonville, FL with Allied, Esurance, GEICO, and State Farm now rounding out the top five. This example shows why it is important to compare as many rates as possible when trying to find affordable insurance quotes for first-time drivers.

Prices can be altered by many different factors and can decrease or increase without notice, so the most economical option when you bought your policy may now not even be in the top five.

The Jacksonville auto insurance agencies shown below can aid you in deciding which car insurance company is the best fit, as many people would rather have the advice of a professional agent when shopping for the best coverage for first-time drivers. It can be complicated to find the best rates on your own, and getting advice from a licensed Florida insurance agent can give you comfort knowing your policy gives you enough coverage when you need it. To find a Jacksonville insurance agent by location nearest to you, click the button at the bottom of the list or click here to compare price quotes.

Dwight Bacon Insurance Agency
6409 Merrill Rd - Jacksonville, FL 32277 - (904) 641-5940

State Insurance Agency
803 3rd St N - Jacksonville Beach, FL 32250 - (904) 247-5599

Jim White Insurance Agency
1840 Dunn Ave #6 - Jacksonville, FL 32218 - (904) 751-2222

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