Who Has Cheap Car Insurance Rates for Low Credit Scores in Jacksonville?

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One of the many factors that aid in calculating the price you pay for insurance is where you normally keep your vehicle in Jacksonville. Areas with high crime rates or more dense population are more likely to pay higher prices, whereas areas with lower crime rates and fewer weather claims tend to receive slightly lower rates.

The illustration below shows the most expensive areas in Florida for low credit scores in which to buy car insurance. Jacksonville makes the list at #19 with an annual cost of $2,020 for the average policy, which is around $168 each month.

How much is car insurance in Jacksonville?
Rank City Premium Per Year
1 Hialeah $3,523
2 Miami Gardens $3,277
3 Miami $3,273
4 Miami Beach $2,923
5 Miramar $2,603
6 West Palm Beach $2,599
7 Fort Lauderdale $2,576
8 Hollywood $2,552
9 Coral Springs $2,549
10 Tampa $2,532
11 Pompano Beach $2,518
12 Davie $2,473
13 Pembroke Pines $2,431
14 Brandon $2,368
15 St. Petersburg $2,286
16 Clearwater $2,194
17 Spring Hill $2,123
18 Orlando $2,090
19 Jacksonville $2,020
20 Port St. Lucie $1,994
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Prices are comparative as the specific Jacksonville residence address can impact coverage rates significantly.

Determining which companies have the cheapest car insurance rates for low credit scores will require a bit more work than just comparing rates from one or two companies. Each auto insurer uses a different method to determine premium rates, so let's rank the overall cheapest car insurance companies in Florida.

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Florida car insurance ranked by cost per year
Rank Company Cost Per Year
1 USAA $986
2 Amica $1,694
3 Electric $1,764
4 Progressive $1,829
5 Travelers $1,945
6 Mercury $1,973
7 Allied $2,004
8 State Farm $2,047
9 Auto-Owners $2,085
10 Esurance $2,102
11 GEICO $2,108
12 Allstate $2,411
13 21st Century $2,469
14 Windhaven Insurance $2,627
15 Safeco $2,987
16 MetLife $2,988
17 Liberty Mutual $3,039
18 Hanover $3,054
19 United Automobile $3,422
20 Direct General $4,022
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USAA generally has some of the cheapest car insurance rates in Jacksonville at around $986 per year. This is $1,462 less than the average policy premium paid by Florida drivers of $2,448. Amica, Electric, Progressive, and Travelers would also be considered some of the cheapest Jacksonville, FL insurance companies.

As the example above demonstrates, if you are currently insured with Electric and switched to USAA, you might see an annual premium reduction of in the neighborhood of $778. Policyholders with Progressive could save as much as $843 a year, and Travelers insureds might lower prices by $959 a year.

Bear in mind that those prices are averaged across all insureds and vehicles and do not take into consideration a specific zip code for low credit scores. So the company that fits you best may not even be in the list above. That emphasizes why you need to get car insurance quotes using your own driver data and vehicle information.

The type of vehicle that is being insured is one of the primary factors when comparing quotes for cheap insurance for low credit scores. Vehicles with economical engines, a plethora of safety features, or a positive history of liability claims will cost less to insure than high performance models. The next table showcases auto insurance costs for the cheaper vehicles to buy coverage for.

Cheapest Vehicles to Insure in Jacksonville, FL
Vehicle Estimated Cost for Full Coverage
Honda CR-V LX 2WD $1,212
Ford F-150 STX Super Cab 2WD $1,328
Toyota Prius $1,343
Ford Escape XLS 4WD $1,366
Toyota Tacoma 2WD $1,405
Volkswagen Jetta 2.0T Station Wagon $1,420
Chevrolet Impala LT $1,433
Ford Edge Limited AWD $1,509
Hyundai Elantra GLS 4-Dr Sedan $1,518
Jeep Wrangler Sahara 4WD 2-Dr $1,537
Ford Explorer XLT 2WD $1,546
Chevrolet Malibu LTZ $1,537
Dodge Grand Caravan CV $1,544
Nissan Altima 2.5 4-Dr Sedan $1,569
Jeep Grand Cherokee Laredo 4WD $1,574
Ford Focus SES 2-Dr Coupe $1,611
Honda Accord LX-S 2-Dr Coupe $1,621
Ford Fusion S 4-Dr Sedan $1,614
Toyota RAV4 Limited 4WD $1,622
GMC Sierra SL Extended Cab 2WD $1,614
Chevrolet Equinox LT 2WD $1,620
Hyundai Sonata Limited 4-Dr Sedan $1,638
Honda Odyssey EX-L W/Rear Entertainment $1,656
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Prices above based on single male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Florida minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, claim-free, and multi-vehicle. Rates do not factor in specific garaging location which can revise auto insurance rates noticeably.

Looking at the data, we can presume that cars like the Honda CR-V, Ford F-150, and Toyota Prius will be some of the less-costly vehicles to insure for bad credit.

The illustration below shows how choosing a deductible can change annual premium costs when quoting cheap insurance for low credit scores. The data assumes a married female driver, full physical damage coverage, and no discounts are applied to the premium.

A 50-year-old driver could lower their car insurance rates by $340 a year by changing their physical damage coverage from a $100 deductible to a $500 deductible, or save $514 by choosing a $1,000 deductible. Even younger insureds, like the Age 20 category, can cut $848 annually by using a higher deductible.

If you do make the decision to raise your deductibles, it is necessary to have enough spare savings to enable you to pay the extra out-of-pocket expense that is associated with using high deductibles.

How violations and accidents impact rates

The easiest way to enjoy the best car insurance prices in Florida for bad credit is to be a safe driver and avoid tickets and accidents. The example below shows how violations and at-fault claims can influence premium costs for different categories of driver ages. Data assumes a single female driver, comprehensive and collision coverage, $500 deductibles, and no policy discounts are applied.

In the chart above, the average cost of car insurance in Jacksonville per year with no accidents or violations is $1,868. Add in one speeding ticket and the average cost swells to $2,120, an increase of $252 each year. Next add one accident along with the one speeding ticket and the 12-month cost of car insurance for low credit scores jumps again to an average of $2,814. That's an increase of $946, or $79 per month, just for not being attentive to the road!

The importance of shopping around

Florida car insurance rates are based on many factors which can significantly increase or decrease the cost of coverage. Getting older, having a teenage driver, or getting a reckless driving citation can trigger price changes that can cause some rates to be cheaper than competitors. And not only may your rating factors change, but insurance companies modify rates every year to help ensure profitability. Heavier than normal losses may result in additional premium costs, while a lower level of claims may cause cheaper Jacksonville car insurance rates.

The data below analyzes the cheapest car insurance in Jacksonville, FL for a 35-year-old male driver with no prior accidents, a clean driving record, and good financial standing. If we look at prices based on his current risk profile, USAA has the lowest car insurance rates in Jacksonville at $1,222 each year. This is $1,226 less than the average price paid by Florida drivers of $2,448. Amica, Electric, Progressive, and Travelers are also on the list of the top five cheapest Jacksonville, FL auto insurance companies.

The chart below compares rates after we give the driver from the above example a chargeable claim, a little lower credit rating, and a traffic citation. Due to the fact that each insurance company has a unique formula to set premium rates, analyzing rate quotes may now result in a slightly different list of affordable companies as shown below.

USAA now has the cheapest insurance rate in Jacksonville, FL with Allied, State Farm, Esurance, and Auto-Owners also having competitive pricing. This example illustrates why drivers need to do a thorough rate comparison to find the cheapest insurance rates for low credit scores.

Car insurance prices are made up of many factors and can decrease or increase without notice, so the most affordable company two years ago may now be quite expensive.

How to find cheaper insurance for low credit scores

Here are many thrifty solutions that can help Florida drivers find low-cost auto insurance.

The last idea is notably critical, as was emphasized in this article. Prices in Jacksonville adjust frequently, so don't be afraid to buy from a new company if you find a cheaper price. Staying with the same car insurance company is fine, but it's not a good idea if that devotion results in you overpaying potentially thousands of dollars a year. In just a couple of minutes you could shop around and find cheaper auto insurance for low credit scores.