Who Has Cheap Jacksonville Car Insurance Rates for Drivers with Good Credit?

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For financially responsible drivers, one of the more important components that are looked at to help calculate the amount you pay for auto insurance is where you call home in Jacksonville. Areas with a lot of weather claims or more people tend to have more expensive auto insurance rates, whereas less populated areas have the luxury of lower rates.

The information below shows the most costly cities in Florida for drivers with good credit to purchase car insurance in. Jacksonville is ranked at #19 with the annual price of $1,960 on average, which is around $163 monthly.

How much does car insurance cost in Jacksonville, FL?
Rank City Premium Per Year
1 Hialeah $3,630
2 Miami Gardens $3,277
3 Miami $3,177
4 Miami Beach $3,013
5 West Palm Beach $2,625
6 Miramar $2,603
7 Fort Lauderdale $2,576
8 Tampa $2,558
9 Coral Springs $2,549
10 Hollywood $2,526
11 Davie $2,523
12 Pompano Beach $2,518
13 Pembroke Pines $2,481
14 Brandon $2,368
15 St. Petersburg $2,263
16 Clearwater $2,194
17 Spring Hill $2,039
18 Orlando $2,008
19 Jacksonville $1,960
20 Port St. Lucie $1,916
21 Lakeland $1,901
22 Cape Coral $1,860
23 Tallahassee $1,801
24 Palm Bay $1,750
25 Gainesville $1,680
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Rates are comparative as specific Jacksonville zip code can affect rates significantly.

The vehicle that is being insured is one of the main factors that determines whether or not you find affordable coverage for drivers with good credit. Vehicles with lower acceleration and performance, a plethora of safety features, or a low likelihood of having liability claims will cost less to insure than fast, unsafe models.

The list below illustrates insurance premiums for the most budget-friendly automobiles to insure.

Cheapest Vehicles to Insure in Jacksonville, FL
Vehicle Insured Estimated Cost for Full Coverage
Ford Escape XLT 4WD $1,120
Hyundai Elantra SE Touring Station Wagon $1,188
Honda CR-V EX 4WD $1,268
Ford Focus S 4-Dr Sedan $1,271
Volkswagen Jetta 2.0T Station Wagon $1,282
Chevrolet Equinox LT 2WD $1,296
GMC Sierra SLE Regular Cab 2WD $1,301
Chevrolet Impala LT $1,296
Dodge Grand Caravan Hero $1,303
Jeep Wrangler Unlimited Sport 4WD 4-Dr $1,332
Toyota Prius $1,334
Chevrolet Silverado LT Extended Cab 2WD $1,386
Ford Fusion SE 4-Dr Sedan $1,391
Chevrolet Malibu LTZ $1,397
Toyota Camry LE $1,417
Chevrolet Silverado 3500HD LTZ Crew Cab 2WD $1,440
Ford Explorer Limited 4WD $1,445
Toyota Tacoma Double Cab TRD Sport Package 4WD $1,453
Toyota RAV4 Sport 4WD $1,457
Toyota Corolla XLE $1,494
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Table data represents single male driver age 40, 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. Estimates do not factor in garaging location in Jacksonville, FL which can affect price quotes significantly.

Based upon the rates shown, makes and models like the Ford Escape, Hyundai Elantra, Honda CR-V, Ford Focus, and Volkswagen Jetta are likely to be some of the less-costly vehicles to insure for financially responsible drivers.

The example below highlights how deductible choice can impact insurance prices when researching cheap insurance for drivers with good credit. The premium estimates are based on a single female driver, comprehensive and collision coverage, and no discounts are factored in.

The data above shows that a 50-year-old driver could cut expenses by $394 a year by changing from a $100 deductible up to a $500 deductible, or save $596 by changing to a $1,000 deductible. Young drivers, like the Age 20 chart data, could save as much as $1,008 each year just by choosing higher deductibles.

If you make the decision to raise deductibles, it's a good idea to have enough savings set aside to be able to cover the extra out-of-pocket expense, which is the one inconvenience of using high deductibles.

How to get discounts on Jacksonville auto insurance

Discounts on insurance for drivers with good creditInsurers that offer quotes for drivers with good credit may additionally offer price discounts that could reduce prices by 40% or more if you are eligible for them. Companies and some of the premium reductions they offer are shown below.

The chart below compares insurance premiums with and without discounts being applied to the rates. The rate quotes are based on a female driver, no tickets, no at-fault accidents, Florida state minimum liability limits, comp and collision included, and $500 deductibles.

The first bar for each age group shows the average rate with no discounts. The second bar shows the rates with multiple vehicle, vehicle safety, homeowner, multiple policy, accident-free, and defensive driving course discounts applied. When drivers take advantage of discounts, theaverage amount saved on insurance for drivers with good credit is 28% or $518.

Why are you paying too much for Jacksonville car insurance?

Jacksonville, FL insurance rates are impacted by many things that will increase or decrease your annual premium. Getting older, buying higher coverage limits, or getting a driving violation can trigger price changes resulting in some companies being more affordable than before. Not only that, but insurers modify rates without warning in order to be able to pay unexpected claims. Higher than usual claims may result in additional price hikes, while lower claims can result in lower-priced Jacksonville car insurance rates.

To illustrate this point, the data below shows a variety of companies that have the cheapest car insurance in Jacksonville, FL for a 35-year-old male driver with no prior claims, no tickets, and good credit. Based on his current situation, USAA might quote the best car insurance rates in Jacksonville at $1,162 per year. This is $1,286 less than the average policy premium paid by Florida drivers of $2,448. Amica, Electric, Progressive, and Travelers are also on the list of the most affordable Jacksonville, FL auto insurance companies.

The example below compares rates after we give the driver from the first example a chargeable claim, a lower credit rating, and a stop sign violation. Since each company uses their own formula for determining rates in each state, comparing quotes may now present a significantly different list of affordable Jacksonville car insurance companies as shown below.

USAA now has the lowest price in Jacksonville, FL with Allied, Esurance, State Farm, and GEICO completing the list. This example demonstrates why consumers need to perform an extensive rate comparison to get the cheapest car insurance rates for drivers with good credit. Auto insurance prices are influenced by many things and change substantially, so the most affordable company when you bought your policy may now be costing you a lot of money.

How to find the cheapest auto insurance for drivers with good credit

It is possible to find better rates, and here are some thrifty solutions that can help you locate lower-cost auto insurance.

The final tip is incredibly necessary, as we hit on in the article above. Insurance rates fluctuate constantly, so drivers shouldn't hesitate to switch carriers if a better deal can be had.

Many drivers tend to have loyalty to a certain company, but it's not a good idea if your bullheadedness ends up costing you big bucks every year. Take a few minutes and compare rates and find cheaper insurance for drivers with good credit in Jacksonville.