What Car Insurance is Cheapest for Active Military in Jacksonville?

The type of vehicle you are buying coverage for is a large factor when quoting the most economical insurance for active military. Vehicles with lots of speed or power, a lack of safety features, or a high likelihood of having liability claims will cost much more to insure than more economical and safe models.

The next table ranks car insurance prices for the cheaper automobiles to buy insurance for.

Cheapest Vehicles to Insure in Jacksonville, FL
Insured Vehicle Estimated Cost for Full Coverage
Ford Escape XLS 2WD $1,038
Toyota Prius $1,149
Honda CR-V LX 2WD $1,188
Ford Focus SE 4-Dr Sedan $1,202
Ford Explorer Eddie Bauer AWD $1,248
Honda Civic LX 4-Dr Sedan $1,267
Volkswagen Jetta S 2.5 Station Wagon $1,290
Nissan Rogue S AWD $1,317
Ford Edge SEL 2WD $1,380
Chevrolet Silverado LT Crew Cab 2WD $1,405
GMC Sierra 2500HD SLE Regular Cab 2WD $1,415
Toyota RAV4 Limited 4WD $1,408
Toyota Camry LE $1,413
Ford Fusion S 4-Dr Sedan $1,408
Dodge Grand Caravan Hero $1,414
Dodge Ram Quad Cab Sport 2WD $1,431
Jeep Wrangler Unlimited Sport 2WD 4-Dr $1,441
Chevrolet Malibu LT $1,433
Ford F-150 FX2 2WD $1,442
Chevrolet Impala LTZ $1,482
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Data variables include single female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Florida minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, multi-policy, and homeowner. Price information does not factor in vehicle location which can alter premiums considerably.

Based upon the table data, you can conclude that cars like the Ford Escape, Toyota Prius, Honda CR-V, Ford Focus, and Ford Explorer will definitely be some of the more affordable vehicles to insure for military personnel.

Finding dependable, affordable car insurance is not always easy, and finding out which companies have the most affordable insurance rates for active military will take even more shopping around.

Each insurance company has their own formula to set their prices, so we need to take a look at the overall cheapest insurance companies in Jacksonville, FL.

Best Cheap Insurance Rates for Military

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Florida car insurance ranked by cost per year
Rank Company Cost Per Year
1 USAA $977
2 Electric $1,694
3 Amica $1,712
4 Progressive $1,775
5 Mercury $1,914
6 Allied $1,926
7 Travelers $1,945
8 Esurance $2,040
9 State Farm $2,068
10 Auto-Owners $2,085
11 GEICO $2,108
12 21st Century $2,373
13 Allstate $2,388
14 Windhaven Insurance $2,653
15 MetLife $2,900
16 Hanover $2,964
17 Safeco $3,016
18 Liberty Mutual $3,131
19 United Automobile $3,562
20 Direct General $3,942
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USAA has some of the most affordable car insurance rates in Jacksonville at around $977 annually. This is $1,471 less than the average price paid by Florida drivers of $2,448. Electric, Amica, Progressive, and Mercury also qualify as some of the cheapest Jacksonville, FL insurance companies.

As shown above, if you buy coverage from Progressive and switched to Electric, you might realize an annual savings of in the neighborhood of $81. Drivers with Mercury could save as much as $220 a year, and Allied policyholders might cut rates by $232 a year.

To see if you’re overpaying, click here to get quotes or visit any of the low-priced companies below.

Remember that these prices are averaged for all types of drivers and the different vehicles they drive and and are not figured with a specific location for active military. So the company that fits you best may not even be in the list above. That affirms the importance of why you need to quote rates from as many companies as possible using your own driver and vehicle profiles.

The information below demonstrates how deductible levels can impact insurance prices when quoting cheap insurance for active military. Data assumes a single male driver, full coverage, and no policy discounts are applied.

As shown above, a 30-year-old driver could save $384 a year by changing from a $100 deductible to a $500 deductible, or save $582 by selecting a $1,000 deductible. Young drivers, like the age 20 example, could drop their prices as much as $1,126 every year just by choosing higher deductibles when buying full coverage. When increasing deductibles, it is essential to have enough funds in savings to enable you to cover the extra out-of-pocket expense that comes with higher deductibles.

How careless driving impacts Jacksonville insurance rates

The ideal way to score cheap insurance rates for military personnel is to be a good driver and not receive tickets or have accidents. The example below shows how speeding tickets and at-fault accidents can influence auto insurance rates for each age group. The premiums are based on a married male driver, full physical damage coverage, $1,000 deductibles, and no additional 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 $1,610. Factor in two speeding tickets and the average cost rises to $2,214, an increase of $604 each year. Now include two accidents along with the two speeding tickets and the yearly cost of insurance for active military jumps again to an average of $4,636. That’s an increase of $3,026, or $252 per month, just for not keeping your driving record clean!

The importance of comparing Jacksonville car insurance rates

Jacksonville insurance rates are influenced by many factors that may substantially change the cost of your policy. Simply turning a year older, getting divorced, or having an accident can trigger changes in premium that can make some companies much cheaper than others.

And not only may your rating factors change, but insurance companies amend premium rates as often as every three months to help ensure profitability. Higher than normal claims may cause a rate increase, while a better claims history can cause lower-cost Jacksonville car insurance rates.

The data below shows rates for the cheapest car insurance in Jacksonville, FL for a 40-year-old female driver with a good driving record, no prior claims, and a good credit rating. If we compare prices based on her current rating profile, USAA offers the lowest car insurance rates in Jacksonville at $1,140 per year. This is $1,308 less than the average premium paid by Florida drivers of $2,448. Electric, Amica, Progressive, and Travelers are the remaining best Jacksonville, FL auto insurance companies.

Let’s now give the driver from the first set of rates a claim or two, poor credit, and a speeding ticket. Since each insurance company uses a different method to determining premium rates, comparing insurance quotes may now present a different set of affordable Jacksonville car insurance companies as shown below.

USAA now has the best auto insurance rate in Jacksonville with Allied, Esurance, Auto-Owners, and State Farm now being in the top five. This demonstrates why it is critical to do a thorough rate comparison to get the lowest insurance rates for active military. Insurance prices are made up of many factors and can change without notice, so the cheapest rate six months ago may now cost much more than other companies.

If you wish to have professional advice when trying to find the best insurance rates for active military, the insurance agencies below can probably help you make a decision which car insurance policy is best.

To find a Jacksonville insurance agency close to where you live, click the button after the list.

Erwin Insurance, LLC
841 Prudential Drive, 12th FloorJacksonville, FL 32207(904) 764-7531

Allstate Insurance: Stephanie Ando
3546 St Johns Bluff Rd S #109Jacksonville, FL 32224(904) 645-8880

Parvez Sahotra – State Farm Insurance Agent
3267 Hodges Blvd #14Jacksonville, FL 32224(904) 221-1161

Michael Nickas – State Farm Insurance Agent
10920 Baymeadows Rd #7Jacksonville, FL 32256(904) 777-6888

Find a Jacksonville, FL insurance agent near you

Tips for finding more affordable car insurance for active military

Here are many penny-pinching ideas that can help you locate cheaper coverage.

That last tip is particularly valuable, as was noted in this piece. Car insurance prices adjust frequently, so you should be ready to change to a new company if a better rate can be found. Sticking with a specific company is fine, but we do not recommend it if that loyalty results in overpaying a fortune every year. Now is a great time to shop around to find cheaper car insurance for active military in Jacksonville.