For veterans, one of the largest criteria that are used to help calculate the annual cost of car insurance is where you call home in Jacksonville. Areas with a lot of weather claims or more people are more likely to have higher rates, whereas areas with less congestion get the luxury of paying less.
The illustration below rates the most expensive places in Florida for veterans to purchase car insurance in. Jacksonville is ranked #18 having an annual price of $2,040 for the average insurance policy, which is around $170 monthly.
| Rank | City | Annual Premium |
|---|---|---|
| 1 | Hialeah | $3,488 |
| 2 | Miami Gardens | $3,277 |
| 3 | Miami | $3,273 |
| 4 | Miami Beach | $2,923 |
| 5 | West Palm Beach | $2,705 |
| 6 | Pompano Beach | $2,620 |
| 7 | Miramar | $2,603 |
| 8 | Fort Lauderdale | $2,576 |
| 9 | Hollywood | $2,552 |
| 10 | Coral Springs | $2,549 |
| 11 | Tampa | $2,532 |
| 12 | Davie | $2,473 |
| 13 | Pembroke Pines | $2,407 |
| 14 | Brandon | $2,298 |
| 15 | Clearwater | $2,238 |
| 16 | St. Petersburg | $2,196 |
| 17 | Spring Hill | $2,060 |
| 18 | Jacksonville | $2,040 |
| 19 | Orlando | $2,029 |
| 20 | Port St. Lucie | $1,935 |
| 21 | Lakeland | $1,883 |
| 22 | Cape Coral | $1,841 |
| 23 | Tallahassee | $1,801 |
| 24 | Palm Bay | $1,786 |
| 25 | Gainesville | $1,696 |
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Annual rates are approximated as the specific garaging location can affect coverage prices substantially.
The vehicle to be insured is a large factor in finding cheap car insurance for veterans. Vehicles with high performance, a lack of modern safety features, or a high likelihood of having liability claims will cost more to insure than safer, lower-performance models.
The data below ranks insurance premiums for a handful of the cheapest vehicles to buy coverage for.
| Vehicle | Estimated Cost for Full Coverage |
|---|---|
| Ford F-150 STX Super Cab 2WD | $1,208 |
| Ford Escape XLT 4WD | $1,289 |
| Toyota Tacoma Double Cab 4WD | $1,327 |
| Chevrolet Malibu LT | $1,334 |
| Honda CR-V LX 2WD | $1,351 |
| Hyundai Elantra GLS Touring Station Wagon | $1,357 |
| Toyota Corolla XLE | $1,370 |
| Volkswagen Jetta SEL 4-Dr Sedan | $1,394 |
| Toyota Prius | $1,396 |
| Dodge Grand Caravan SE | $1,413 |
| Honda Civic GX 4-Dr Sedan | $1,439 |
| Toyota Camry Hybrid | $1,489 |
| Toyota Camry LE | $1,491 |
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Above prices assume single female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Florida minimum liability limits. Discounts applied include safe-driver, multi-vehicle, multi-policy, homeowner, and claim-free. Premium amounts do not factor in specific zip code location which can influence rates considerably.
Looking at the rates, we can infer that makes and models like the Ford F-150, Ford Escape, Toyota Tacoma, and Chevrolet Malibu are most likely going to be the less-costly vehicles to insure for veterans.
The example below illustrates how your deductible choice can influence insurance rates when getting quotes for cheap insurance for veterans. The costs are based on a single female driver, comprehensive and collision coverage, and no discounts are factored in.
A 40-year-old driver could reduce rates by $332 a year by switching from a $100 deductible up to a $500 deductible, or save $500 by selecting a $1,000 deductible. Young drivers, such as the 20-year-old chart data, could roll back prices as much as $838 each year by choosing larger deductibles on their policy.
When increasing deductibles, it is necessary to have plenty of discretionary funds to cover the extra out-of-pocket expense associated with higher deductibles.
Which insurance company is best in Jacksonville?
Choosing the best company is hard considering how many companies sell coverage in Florida. The company rank data below may help you pick which companies to look at when shopping car insurance rates for veterans.
These ratings are for companies that insure vehicles across America, so companies with more of a regional focus will not be included in these rankings. If you wish to compare rates from many more Florida auto insurance companies, just click here.
| 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 |
| 21st Century | 86 | 82 | 90 | 84% | A | 86.4 |
| Liberty Mutual | 79 | 87 | 95 | 78% | A | 85.3 |
| Farmers Insurance | 77 | 80 | 80 | 84% | A | 80.3 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
Low rates today, overpriced tomorrow
Jacksonville, FL insurance rates are determined by lots of factors that will increase or decrease the cost of coverage. Simply having another birthday, buying a home instead of renting, or having an at-fault accident can trigger price changes resulting in some rates now being much cheaper than others.
Not only may your situation change, but auto insurance companies modify rates every year in order to remain profitable. Higher than usual claims may cause additional price hikes, while a better loss history can produce more affordable Jacksonville car insurance rates.
To illustrate this point, the chart below shows the companies that have the cheapest car insurance in Jacksonville, FL for a 45-year-old male driver with a clean driving record, no accidents, and good financial standing. Based on his current situation, USAA might offer the lowest car insurance rates in Jacksonville at $1,175 annually. This is $1,273 less than the average price paid by Florida drivers of $2,448. Amica, Electric, Progressive, and Travelers also make the list of the best Jacksonville, FL auto insurance companies.
In this example, we will give the driver from the first example an at-fault accident, less-than-perfect credit, and a stop sign violation. Since every insurance provider has a different formula for setting rates, comparing insurance quotes may result in a significantly different list of companies as shown below.
USAA now has the best auto insurance rate in Jacksonville, FL with Allied, State Farm, Esurance, and Auto-Owners now rounding out the top five. This shows why Jacksonville drivers need to spend some time comparing rates when trying to find the most budget-friendly insurance quotes for veterans. Rates can be determined by many risk factors and change dramatically, so the cheapest company the last time you shopped around may now be quite expensive.
How to find low-cost insurance for veterans
The list below shows some penny-pinching suggestions that can help drivers buy cheaper auto insurance.
- If your vehicles are older, consider dropping full coverage
- Bundle car and home insurance and save money
- Lower rates by purchasing a safer vehicle
- Improve your credit rating
- Increase deductibles to save money
- Don’t have frequent claims
- Keep rates low by comparing prices once a year
That final tip is certainly valuable, as we emphasized in the prior information. Insurance rates can change in a short period of time, so don’t be hesitant to change insurance companies if you find a better deal.
Having a favorite company is great, but is isn’t recommended if your bullheadedness ends up costing you a small fortune year after year. Spend a few minutes and shop around to find cheaper insurance for veterans in Jacksonville.
If you have coverage questions and would like to have the advice of a professional agent when trying to find lower insurance rates for veterans, the insurance agencies below can probably aid you in deciding which insurance coverage will be best for you.
To locate a Jacksonville insurance agent by location nearest to you, click the link at the bottom.
Chris Nickas – State Farm Insurance Agent
9542 Argyle Forest Blvd #12 – Jacksonville, FL 32222 – (904) 854-4700
Ray Moore – State Farm Insurance Agent
109 New Berlin Rd – Jacksonville, FL 32218 – (904) 751-6643
Bob Gibbs – State Farm Insurance Agent
5495 Fort Caroline Rd – Jacksonville, FL 32277 – (904) 744-2702
Allstate Insurance, John Crowell Agency
9700 Philips Hwy #109 – Jacksonville, FL 32256 – (904) 538-9440