Who Has Cheap Auto Insurance for a Learners Permit in Jacksonville?

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The car, truck, or SUV you are buying coverage for is probably the most important factor when consumers are trying to find the best cheap car insurance for a learners permit. Vehicles with more horsepower, poor safety ratings, or an increased likelihood of liability claims will cost much more to insure than more economical and safe models. The list below ranks insurance prices for a number of the most economical vehicles to insure in Florida.

Cheapest Vehicles to Insure in Jacksonville, FL
Make and Model Estimated Cost for Full Coverage
Ford Escape XLS 2WD $4,405
Honda CR-V EX-L 2WD $4,449
Toyota Prius $4,769
Honda Odyssey LX $4,903
Chevrolet Impala LS $5,181
Volkswagen Jetta S 4-Dr Sedan $5,225
Jeep Grand Cherokee Laredo 2WD $5,235
Chevrolet Equinox LS 2WD $5,225
Toyota RAV4 4WD $5,232
Toyota Tacoma Double Cab 4WD $5,225
Dodge Grand Caravan SXT $5,267
Ford Explorer Limited AWD $5,274
Chevrolet Malibu LT $5,267
Ford Focus SES 4-Dr Sedan $5,458
Ford Edge Sport AWD $5,503
Hyundai Elantra GLS 4-Dr Sedan $5,511
Toyota Camry XLE $5,503
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Data based on single female 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. Information does not factor in specific garaging location which can alter premiums greatly.

Looking at the rates, we can conclude that models like the Ford Escape, Honda CR-V, Toyota Prius, Honda Odyssey, and Chevrolet Impala are most likely to be the cheaper vehicles to insure for new drivers. The price for car insurance will tend to be more expensive anyway because of the fact that there is more liability risk for a learners permit, but overall those makes and models will tend to have the lowest insurance rates compared to all other vehicles.

Finding out which company has the cheapest car insurance rates for a learners permit may require a little more work in order to find a policy that fits your budget. Every car insurance company has a proprietary formula to determine rates, so let's take a look at the overall cheapest car insurance companies in Jacksonville, FL.

It's important to understand that Jacksonville, FL car insurance rates are based on many factors which can substantially decrease or increase the cost of coverage. Simply improving your credit, having a teen driver, or getting a couple of tickets can trigger changes in premium that can now make some companies cheaper than competitors.

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Rankings for the cheapest Florida auto insurance companies
Rank Company Cost Per Year
1 USAA $948
2 Electric $1,712
3 Amica $1,712
4 Progressive $1,829
5 Travelers $1,945
6 Mercury $1,973
7 Allied $1,985
8 Esurance $2,020
9 Auto-Owners $2,107
10 GEICO $2,108
11 State Farm $2,110
12 Allstate $2,317
13 21st Century $2,373
14 Windhaven Insurance $2,575
15 MetLife $2,958
16 Hanover $2,964
17 Safeco $3,016
18 Liberty Mutual $3,101
19 United Automobile $3,562
20 Direct General $3,902
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USAA normally has some of the lowest car insurance rates in Jacksonville at around $948 per year. Electric, Amica, Progressive, and Travelers also qualify as some of the most economical Jacksonville, FL auto insurance companies.

As shown in the rates above, if you currently have a policy with Electric and switched to USAA, you could realize savings of in the neighborhood of $764. Insureds with Amica may save as much as $764 a year, and Progressive policyholders might cut rates by $881 a year.

Be aware that those prices are averaged across all drivers and vehicles in Florida and and are not calculated with a vehicle location for a learners permit. So the auto insurance company that is best for you may not even be in the list above. That points out the importance of why you need to quote rates from as many companies as possible using your own driver data and vehicle information.

Difference between full coverage and liability only rates

Saving money on car insurance is the goal of most people, and one of the best ways to lower the cost of insurance for a learners permit is to only buy liability coverage. The illustration below shows the comparison of annual premium costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. Data assumes a clean driving record, no at-fault accidents, $250 deductibles, marital status is single, and no discounts are factored in.

As an overall average, comprehensive and collision coverage on your policy costs $2,417 per year over having just liability coverage. At some point, every insured wonders when is it safe to stop buying full coverage. There isn't a steadfast formula to exclude physical damage coverage, but there is a general convention. If the annual cost of comprehensive and collision coverage is about 10% or more of the replacement cost minus the deductible, then you might want to consider buying only liability coverage.

For example, let's pretend your vehicle's book value is $10,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled in an accident, the most you would receive is $9,000 after paying your policy deductible. If you are paying in excess of $900 annually for full coverage, then it may be the right time to buy liability only.

The chart below shows how choosing a deductible can increase or decrease insurance rates when searching for cheap insurance for a learners permit. The data is based on a single male driver, full coverage, and no other discounts are factored in.

In the chart above, a 40-year-old driver could reduce rates by $344 a year by switching from a $100 deductible up to a $500 deductible, or save $518 by switching to a $1,000 deductible. Even younger drivers, like the age 20 example, could potentially save $1,126 or more by choosing a larger deductible amount.

If you do decide to increase your deductibles, it is essential to have spare funds to allow you to cover the extra out-of-pocket expense, which is the main disadvantage of using high deductibles.

Violations and accidents raise rates

A great way to enjoy good car insurance premiums in Florida for new drivers is to drive carefully and avoid at-fault accidents and violations. The information below highlights how traffic violations and at-fault accidents drive up insurance costs for different categories of driver ages. Data assumes a single female driver, comp and collision included, $500 deductibles, and no other discounts are factored in.

The data charted above shows the average cost of an auto insurance policy in Florida per year with a clean driving record and no accidents is $2,492. Add in two speeding tickets and the average cost jumps to $3,335, an increase of $843 each year. Now add two accidents along with the two speeding tickets and the annual cost of car insurance for a learners permit increases to an average of $6,657. That's an increase of $4,166, or $347 per month, just for not paying attention while driving!