Who Has Cheap Auto Insurance Rates for Used Cars in Jacksonville?

For pre-owned vehicles, one of the more important components that are used to help calculate the cost of insurance is where you choose to live in Jacksonville. Regions with larger populations or more claims tend to have more expensive car insurance rates, whereas areas with fewer weather claims and lower vehicle theft rates have the gratification of cheaper auto insurance rates.

The next table ranks the highest-priced areas in Florida for used cars to buy auto insurance in. Jacksonville ranks #18 with the yearly price of $2,020 for the average insured, which is approximately $168 per month.

How much does auto insurance cost in Jacksonville?
Rank City Premium Per Year
1 Hialeah $3,523
2 Miami Gardens $3,181
3 Miami $3,145
4 Miami Beach $3,013
5 Miramar $2,683
6 West Palm Beach $2,625
7 Fort Lauderdale $2,576
8 Coral Springs $2,549
9 Tampa $2,532
10 Hollywood $2,526
11 Pompano Beach $2,518
12 Pembroke Pines $2,505
13 Davie $2,448
14 Brandon $2,368
15 St. Petersburg $2,196
16 Clearwater $2,172
17 Spring Hill $2,060
18 Jacksonville $2,020
19 Orlando $2,008
20 Port St. Lucie $1,975
21 Cape Coral $1,917
22 Lakeland $1,827
23 Palm Bay $1,803
24 Tallahassee $1,784
25 Gainesville $1,646
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Price information shown is comparative as specific Jacksonville zip code can increase or decrease insurance rates significantly.

Deciding which company quotes the lowest-priced insurance rates for used cars calls for a bit more effort in order to find the most economical policy. Every car insurance company used slightly different criteria for determining rates in each state, so to begin we’ll rank the insurance companies with the overall best prices in Florida.

Find the Cheapest Auto Insurance for Used Cars

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Who has the cheapest car insurance in Florida?
Rank Company Cost Per Year
1 USAA $977
2 Amica $1,746
3 Electric $1,764
4 Progressive $1,829
5 Travelers $1,869
6 Mercury $1,933
7 Allied $2,004
8 Esurance $2,102
9 GEICO $2,108
10 State Farm $2,131
11 Auto-Owners $2,171
12 Allstate $2,388
13 21st Century $2,397
14 Windhaven Insurance $2,549
15 MetLife $2,870
16 Safeco $2,927
17 Liberty Mutual $3,009
18 Hanover $3,054
19 United Automobile $3,527
20 Direct General $4,062
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USAA may have some of the cheapest car insurance rates in Jacksonville at around $977 per year. Amica, Electric, Progressive, and Travelers are also some of the cheaper Jacksonville, FL car insurance companies.

As the rates illustrate above, if you currently have coverage with Progressive and switched to USAA, you could realize a yearly savings of about $852. Drivers with Travelers could save as much as $892 a year, and Mercury policyholders might realize rate reductions of up to $956 a year.

To get a fast rate comparison, click here to get quotes or visit several of the following companies.

Remember that these premium estimates are averages for all types of drivers and the different vehicles they drive and are not factoring in an exact vehicle garaging location for used cars. So the auto insurance company that fits you best may not even be in the list above. That helps illustrate why you need to quote rates from many companies using your own specific driver and vehicle information.

The type of vehicle you are insuring is one of the primary factors when comparing quotes for cheap auto insurance for used cars. Vehicles with limited speed and performance, an excellent safety record, or a track record of few liability claims will cost less to insure than fast, unsafe models. The table below illustrates auto insurance premiums for a selection of the cheapest automobiles to insure.

Cheapest Vehicles to Insure in Jacksonville, FL
Vehicle Make and Model Estimated Cost for Full Coverage
Honda Accord LX-P 4-Dr Sedan $1,146
Ford Escape Limited 4WD $1,241
Chevrolet Silverado LS Extended Cab 4WD $1,355
Jeep Wrangler Sport 4WD 2-Dr $1,362
Honda CR-V EX 2WD $1,406
Ford Explorer XLT AWD $1,472
Dodge Ram Crew Cab TRX 2WD $1,479
GMC Sierra 3500HD SLE Extended Cab 2WD $1,488
Kia Optima SX $1,549
Chevrolet Equinox LS AWD $1,554
Toyota RAV4 2WD $1,563
Chevrolet Malibu Hybrid $1,554
Toyota Prius $1,559
Dodge Grand Caravan SE $1,574
Ford F-150 XL Regular Cab 4WD $1,584
Dodge Ram 2500 Crew Cab ST 4WD $1,576
GMC Sierra 2500HD SLE Crew Cab 2WD $1,620
Hyundai Elantra SE 4-Dr Sedan $1,634
Toyota Corolla LE $1,642
Honda Odyssey EX-L $1,634
Toyota Camry SE $1,640
GMC Sierra SLT Extended Cab 2WD $1,664
Toyota Tacoma Double Cab TRD Off-Road Package 4WD $1,693
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Data based on single female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Florida minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, claim-free, and homeowner. Premium costs do not factor in specific location information which can decrease or increase insurance rates significantly.

Looking at the numbers, you can expect makes and models like the Honda Accord, Ford Escape, and Chevrolet Silverado are most likely to be the cheapest vehicles to insure for pre-owned vehicles.

Liability rates compared to full coverage

Finding cheaper insurance is the goal of most vehicle owners, and one of the quickest ways to reduce the cost of insurance for used cars is to not insure for full coverage. The diagram below compares insurance rates with and without physical damage coverage. The premium estimates are based on no driving violations, no at-fault accidents, $100 deductibles, single status, and no other discounts are factored in.

As an average for all age groups, full coverage on your policy costs an extra $2,656 per year more than just insuring for liability. A very common question is if physical damage coverage is worth the money. There is no definitive guideline of when to eliminate full coverage on your policy, but there is a general guideline. If the yearly cost for physical damage coverage is more than 10% of the replacement cost of your vehicle minus the policy deductible, then you may want to consider only buying liability coverage.

Get discounts on Jacksonville car insurance

Insurance for pre-owned vehicles in Jacksonville, FLInsurance companies that sell policies for used cars may have price discounts that could lower prices by as much as 30% if you meet specific criteria. A few of the larger companies and a partial list of their discounts are detailed below.

The example below illustrates the difference between annual premium costs with and without discounts applied. The information is based on a female driver, no accidents, no driving violations, Florida state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows the price with no discounts. The second shows the rates with multiple policy, marriage, claim-free, accident-free, anti-theft, and passive restraint discounts applied. When taking advantage of discounts, theamount saved on insurance for used cars is 28% or $856.

Tickets and at-fault accidents raise rates

The recommended way to obtain affordable insurance prices in Jacksonville for pre-owned vehicles is to be a safe driver and avoid tickets and accidents. The chart below illustrates how traffic citations and fender-benders increase insurance prices for each age group. The premium estimates are based on a single male driver, full physical damage coverage, $100 deductibles, and no policy discounts are applied.

The data above shows the average cost of auto insurance per year with no accidents and a clean driving record is $3,253. Receive two speeding tickets and the average cost jumps to $4,324, an increase of $1,071 each year. Next add two accidents along with the two speeding tickets and the yearly cost of insurance for used cars goes up to an average of $8,102. That’s an increase of $4,849, or $404 per month, just for not being a responsible driver!

The benefits of price comparisons

Florida insurance rates are influenced by many factors that control the cost of coverage. Turning one year older, moving across town, or getting a few speeding tickets can produce rate changes resulting in some rates now being cheaper than competitors.

Not only that, but companies amend pricing as often as every three months in order to remain profitable. A period of increased losses may cause increased rates, while a lower level of claims can cause cheaper Jacksonville car insurance rates.

For instance, the graph below shows rates for the cheapest car insurance in Jacksonville, FL for a 45-year-old female driver with a clear driving record, no claims, and good financial standing. If we estimate prices based on her personal risk profile, USAA has the most affordable car insurance rates in Jacksonville at $1,151 each year. This is $1,297 less than the average price paid by Florida drivers of $2,448. Electric, Amica, Progressive, and Travelers are also included in the cheapest Jacksonville, FL auto insurance companies.

The example below compares rates after we give the driver from the first example an at-fault accident, a lower credit rating, and a couple of points charged on her driving record. Because each insurer uses a different method for establishing rates, comparing quotes most likely will result in a different list of companies as shown below.

USAA now has the lowest car insurance rate in Jacksonville with Mercury, State Farm, Esurance, and GEICO completing the list. This example proves why it is critical to shop around with many companies to find the most economical auto insurance quotes for used cars. Prices are impacted by many different factors and can change substantially, so the cheapest company when you bought your policy may now not even be in the top five.