Locating affordable insurance is hard enough, and finding out which insurers offer the cheapest insurance rates for low mileage drivers will take even more shopping around.
Each insurer uses their own method for determining rates in each state, so we’ll go over the insurance companies that tend to have lower prices in Florida. It’s important to know that Jacksonville insurance rates are influenced by many factors that may substantially change the price of your policy. Turning one year older, buying higher coverage limits, or getting a DUI may generate price changes that can make some companies way too expensive in comparison to the competition.
Cheap Insurance Rates in Florida
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $948 |
| 2 | Electric | $1,746 |
| 3 | Amica | $1,746 |
| 4 | Progressive | $1,847 |
| 5 | Travelers | $1,888 |
| 6 | Mercury | $1,914 |
| 7 | Allied | $1,926 |
| 8 | Esurance | $2,082 |
| 9 | Auto-Owners | $2,085 |
| 10 | State Farm | $2,110 |
| 11 | GEICO | $2,150 |
| 12 | Allstate | $2,388 |
| 13 | 21st Century | $2,445 |
| 14 | Windhaven Insurance | $2,627 |
| 15 | Hanover | $2,964 |
| 16 | Safeco | $2,987 |
| 17 | MetLife | $2,988 |
| 18 | Liberty Mutual | $3,101 |
| 19 | United Automobile | $3,457 |
| 20 | Direct General | $3,902 |
| View More Rates Go | ||
USAA may offer some of the cheapest car insurance rates in Jacksonville at around $948 per year. Electric, Amica, Progressive, and Travelers also rank well as some of the more affordable Jacksonville, FL insurance companies.
As depicted above, if you have coverage with Travelers and switched to Electric, you could see annual savings of roughly $142. Policyholders with Mercury could save as much as $168 a year, and Allied insureds might reduce prices by as much as $180 a year.
If you want to see how much you could save, click here to begin a quote or visit any of the companies below.
Bear in mind that those policy rates are averaged for all types of insureds and vehicles and do not factor in an exact vehicle garaging location for low mileage drivers. So the auto insurance company that can offer you the best rate may not even be in the top 21 companies shown above. That helps illustrate why you need to get rate quotes using your own specific driver and vehicle information.
One of the more important components that aid in calculating the cost of insurance is the neighborhood you call home. Cities with more crime and/or more people will most likely pay more, whereas areas that tend to be more rural benefit from lower coverage costs.
The next table shows the most expensive areas in Florida for low mileage drivers to buy auto insurance in. Jacksonville makes the list at #17 with a yearly premium of $2,040 on average, which is around $170 per month.
| Rank | City | Premium Per Year |
|---|---|---|
| 1 | Hialeah | $3,595 |
| 2 | Miami | $3,241 |
| 3 | Miami Gardens | $3,181 |
| 4 | Miami Beach | $3,043 |
| 5 | Miramar | $2,709 |
| 6 | Tampa | $2,636 |
| 7 | West Palm Beach | $2,625 |
| 8 | Hollywood | $2,604 |
| 9 | Coral Springs | $2,574 |
| 10 | Fort Lauderdale | $2,550 |
| 11 | Pompano Beach | $2,543 |
| 12 | Davie | $2,448 |
| 13 | Pembroke Pines | $2,407 |
| 14 | Brandon | $2,298 |
| 15 | Clearwater | $2,238 |
| 16 | St. Petersburg | $2,219 |
| 17 | Jacksonville | $2,040 |
| 18 | Spring Hill | $2,039 |
| 19 | Orlando | $2,008 |
| 20 | Port St. Lucie | $1,994 |
| 21 | Cape Coral | $1,917 |
| 22 | Lakeland | $1,845 |
| 23 | Palm Bay | $1,803 |
| 24 | Tallahassee | $1,748 |
| 25 | Gainesville | $1,630 |
| Find Cheaper Insurance Go | ||
Annual rates are comparative as specific location information can decrease or increase price quotes considerably.
The vehicle model that is being insured is a large factor when shopping for economical coverage for low mileage drivers. Vehicles with economical engines, good safety features, or a low likelihood of liability claims will cost much less to insure than higher performance models. The next table shows auto insurance prices for a selection of the cheapest automobiles to buy coverage for.
| Insured Vehicle | Estimated Cost for Full Coverage |
|---|---|
| Ford Escape XLT 2WD | $1,197 |
| Honda CR-V EX-L 2WD | $1,226 |
| Ford Fusion S 4-Dr Sedan | $1,296 |
| Toyota RAV4 2WD | $1,301 |
| Honda Accord EX-L 4-Dr Sedan | $1,306 |
| Toyota Prius | $1,334 |
| Dodge Grand Caravan SE | $1,337 |
| Hyundai Elantra SE 4-Dr Sedan | $1,367 |
| Chevrolet Impala LTZ | $1,375 |
| Ford Focus S 4-Dr Sedan | $1,388 |
| Toyota Tacoma 2WD | $1,395 |
| Nissan Altima Hybrid 4-Dr Sedan | $1,391 |
| Ford F-150 XLT Regular Cab 4WD | $1,399 |
| Chevrolet Malibu LS | $1,417 |
| Ford Explorer Limited AWD | $1,445 |
| Volkswagen Jetta S 4-Dr Sedan | $1,457 |
| Jeep Grand Cherokee Laredo 2WD | $1,462 |
| Nissan Rogue SL AWD | $1,457 |
| Hyundai Sonata SE 4-Dr Sedan | $1,464 |
| Toyota Camry LE | $1,457 |
| Chevrolet Silverado LS Regular Cab 2WD | $1,466 |
| Honda Civic LX-S 4-Dr Sedan | $1,476 |
| Kia Optima EX | $1,480 |
| Start Your Quote Go | |
Price data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Florida minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, multi-policy, and homeowner. Price estimates do not factor in zip code location which can alter auto insurance rates considerably.
Based upon these rates, you can expect makes and models like the Ford Escape, Honda CR-V, and Ford Fusion are most likely to be some of the most economical vehicles to insure for infrequent drivers.
Poor driving habits will raise your insurance rates
The ideal way to maintain good insurance prices for infrequent drivers is to be a cautious driver and not get tickets or have accidents. The illustration below demonstrates how traffic citations and accident claims drive up premium costs for different age groups of insureds. The price estimates are based on a single female driver, comp and collision included, $250 deductibles, and no discounts are applied.
The data charted above shows the average cost of an auto insurance policy in Jacksonville per year with no accidents or violations is $2,077. Factor in one speeding ticket and the average cost jumps to $2,354, an increase of $277 each year. Now add in two accidents along with the one speeding ticket and the yearly cost of insurance for low mileage drivers increases to an average of $4,747. That’s an increase of $2,670, or $223 per month, just for not maintaining a clean driving record!
Types of discounts on Jacksonville insurance
Auto insurance companies that offer coverage for low mileage drivers may also give you price discounts that can lower rates by as much as 40% or more if you meet eligibility requirements. A few of the larger companies and some of the discounts can be found below.
- Progressive offers discounts for good student, multi-vehicle, homeowner, online quote discount, online signing, multi-policy, and continuous coverage.
- Farmers Insurance includes discounts for multi-car, electronic funds transfer, early shopping, pay in full, business and professional, and mature driver.
- Farm Bureau may have discounts that include youthful driver, good student, driver training, multi-vehicle, renewal discount, multi-policy, and safe driver.
- State Farm offers premium reductions for safe vehicle, defensive driving training, Drive Safe & Save, good driver, good student, and student away at school.
- GEICO offers discounts including driver training, federal employee, good student, emergency military deployment, air bags, and anti-theft.
- SAFECO may include discounts for homeowner, drive less, accident prevention training, teen safety rewards, and anti-lock brakes.
- Liberty Mutual has savings for new vehicle discount, new graduate, new move discount, safety features, multi-policy, and teen driver discount.
The diagram below compares insurance prices with and without discounts being applied to the rates. The price estimates are based on a female driver, no violations or claims, Florida state minimum liability limits, full physical damage coverage, and $1,000 deductibles.
The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, vehicle safety, defensive driving course, claim-free, multiple vehicle, and anti-theft discounts applied. When discounts are factored in, the average amount saved each year on insurance for low mileage drivers is 28% or $465.
Tips for finding budget-friendly auto insurance for low mileage drivers
The list below details some of the better money-saving solutions that can help Florida drivers find lower-cost coverage.
- Save money by insuring your home and auto with the same company
- Safe vehicles cost less to insure
- Prevent price hikes by avoiding at-fault accidents
- Pay for smaller claims out-of-pocket
- Do not get traffic tickets
- Save money by insuring older vehicles for liability only
- Keep rates low by comparing prices once a year
The last idea is very critical, as was discussed in this piece. Prices charged by companies change frequently, so you should be ready to switch companies if a cheaper price is available.
Having a favorite company is fine, but is isn’t recommended if that faithfulness ends up costing you lots of money. It only take a few minutes to compare rates to find cheaper auto insurance for low mileage drivers in Jacksonville.