You’ve seen the catchy commercials from insurers like GEICO, The General, and Farmers that claim the cheapest price, so drivers just need to choose any of them, right?
It’s not that easy, however, as there are many unknowns such as if you own your own home, the annual mileage you drive, and when you were born, that all have an effect on the price of a policy. This article goes into detail about the causes of high insurance rates and also should give you a good start to your coverage search.
One of the more important components that are used to help calculate the annual cost of car insurance is the neighborhood you call home in Jacksonville. More densely populated places tend to have more expensive car insurance rates, whereas areas with less people or fewer weather incidents have the benefit of cheaper car insurance.
The following table lists the most expensive places in Florida for 4×4 vehicles to buy auto insurance in. Jacksonville ranks #18 having an annual price of $2,040 for the average insurance policy, which is about $170 per month.
| Rank | City | Premium Per Year |
|---|---|---|
| 1 | Hialeah | $3,630 |
| 2 | Miami | $3,273 |
| 3 | Miami Gardens | $3,245 |
| 4 | Miami Beach | $3,013 |
| 5 | Miramar | $2,603 |
| 6 | West Palm Beach | $2,599 |
| 7 | Coral Springs | $2,574 |
| 8 | Tampa | $2,558 |
| 9 | Fort Lauderdale | $2,550 |
| 10 | Hollywood | $2,526 |
| 11 | Pompano Beach | $2,518 |
| 12 | Davie | $2,448 |
| 13 | Pembroke Pines | $2,407 |
| 14 | Brandon | $2,368 |
| 15 | St. Petersburg | $2,286 |
| 16 | Clearwater | $2,260 |
| 17 | Spring Hill | $2,060 |
| 18 | Jacksonville | $2,040 |
| 19 | Orlando | $2,029 |
| 20 | Port St. Lucie | $1,994 |
| 21 | Cape Coral | $1,917 |
| 22 | Lakeland | $1,883 |
| 23 | Palm Bay | $1,803 |
| 24 | Tallahassee | $1,801 |
| 25 | Gainesville | $1,646 |
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Premium costs are comparative as the specific area where the vehicle is garaged can affect insurance rates greatly.
Shopping around for low-priced auto insurance is difficult, and deciding which companies quote the cheapest insurance rates for 4×4 vehicles will require even more perseverance. Every insurance company uses slightly different criteria to determine premium rates, so we’ll take a look at the most budget-friendly insurance companies in Jacksonville.
Cheap Insurance Rates for 4×4’s
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $957 |
| 2 | Electric | $1,694 |
| 3 | Amica | $1,764 |
| 4 | Progressive | $1,829 |
| 5 | Travelers | $1,869 |
| 6 | Mercury | $1,914 |
| 7 | Allied | $1,945 |
| 8 | Esurance | $2,020 |
| 9 | State Farm | $2,068 |
| 10 | Auto-Owners | $2,149 |
| 11 | GEICO | $2,172 |
| 12 | Allstate | $2,317 |
| 13 | 21st Century | $2,397 |
| 14 | Windhaven Insurance | $2,575 |
| 15 | Safeco | $2,898 |
| 16 | MetLife | $2,988 |
| 17 | Hanover | $3,054 |
| 18 | Liberty Mutual | $3,101 |
| 19 | United Automobile | $3,527 |
| 20 | Direct General | $3,902 |
| Get a Custom Quote Go | ||
USAA has some of the best car insurance rates in Jacksonville at around $957 a year. Electric, Amica, Progressive, and Travelers are also some of the best Jacksonville, FL insurance companies.
As depicted above, if you are a policyholder with Progressive and switched to Electric, you could realize annual savings of about $135. Florida drivers with Travelers might save as much as $175 a year, and Mercury customers might see rate reductions of $220 a year.
Remember that these policy prices are averages for all drivers and vehicles and are not factoring in an exact vehicle garaging location for 4×4 vehicles. So the auto insurance company that fits your needs best may not even be in the list above. That points out the importance of why you need to get rate quotes using your own individual information.
The type of vehicle driven is a large consideration when trying to find the best coverage for 4×4 vehicles. Vehicles with limited top-end speed, a plethora of safety features, or a low likelihood of liability claims will cost less to insure than high performance models. The data below presents coverage rates for a selection of the most affordable vehicles to buy coverage for.
| Make, Model, and Trim Level | Estimated Cost for Full Coverage |
|---|---|
| Honda CR-V LX 2WD | $1,072 |
| Ford F-150 FX2 Super Cab 2WD | $1,200 |
| Dodge Grand Caravan SE | $1,209 |
| Hyundai Elantra GLS Touring Station Wagon | $1,212 |
| Ford Escape XLT 2WD | $1,221 |
| Ford Edge Limited 2WD | $1,247 |
| Chevrolet Malibu Hybrid | $1,270 |
| Ford Explorer Limited 4WD | $1,294 |
| Toyota Prius | $1,308 |
| Chevrolet Silverado LS Regular Cab 4WD | $1,336 |
| Jeep Grand Cherokee SRT-8 4WD | $1,361 |
| Hyundai Sonata GLS 4-Dr Sedan | $1,364 |
| Ford Focus SE 4-Dr Sedan | $1,366 |
| Find Cheaper Rates Go | |
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 multi-vehicle, claim-free, safe-driver, multi-policy, and homeowner. Table data does not factor in zip code location which can alter premiums substantially.
By looking at the data, you can assume that models like the Honda CR-V, Ford F-150, Dodge Grand Caravan, Hyundai Elantra, and Ford Escape are most likely to be the cheaper vehicles to insure for off-road vehicles.
Best insurance company in Jacksonville
Insuring your vehicle with the best auto insurance company can be difficult considering how many different companies there are to choose from in Jacksonville. The company rank data in the lists below can help you decide which auto insurance companies you want to consider comparing price quotes from. These rankings are only made up of the companies with a significant amount of written premium nationwide, so companies that have a smaller presence are not factored into this list.
Top 10 Major Auto Insurance Providers Overall in Jacksonville
- Travelers
- USAA
- Mercury Insurance
- AAA Insurance
- Nationwide
- Allstate
- State Farm
- The Hartford
- Safeco Insurance
- Progressive
Do you need full coverage?
Lowering the price of insurance is the goal of the majority of vehicle owners, and one of the fastest ways to find cheaper insurance for 4×4 vehicles is to only buy liability insurance. The illustration below visualizes the comparison of insurance costs with full physical damage coverage compared to only buying liability only. The premiums assume no accidents, no driving violations, $100 deductibles, single status, and no discounts are factored in.
If the expense is averaged for all age categories, physical damage insurance costs $2,385 per year more than buying just liability insurance. That amount may make you wonder if buying full coverage is worth the money. There is no exact formula of when to phase out physical damage coverage on your policy, but there is a guideline you can use. If the yearly cost of full coverage is more than around 10% of replacement cost minus your deductible, then it might be time to buy liability only.
For example, let’s pretend your vehicle’s replacement value is $11,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled, the most you would get paid by your company is $10,000 after you pay the deductible. If you are paying over $1,000 annually for full coverage, then you may need to consider dropping full coverage.
How to find budget-friendly insurance for 4×4 vehicles
The list below shows many penny-pinching ideas that can help Florida drivers buy low-cost car insurance.
- Being accident-free can lower rates significantly
- Good credit scores may lower your rates
- Bundle home and auto and earn a discount
- Do not pay for full coverage if not needed
- Safer vehicles generally have cheaper insurance rates
- Ensure you have the best deal by shopping around regularly
That final tip is highly critical, as was noted in this article. Auto insurance prices can change in a short period of time, so don’t be afraid to buy a different policy if a better rate can be found.
Sticking with a specific company is fine, but is isn’t recommended if your bullheadedness ends up costing you thousands of dollars over the life of your policy. If you have a few minutes, shop around to find cheaper car insurance for 4×4 vehicles in Jacksonville.
If you wish to get help from a professional when comparing insurance rates for 4×4 vehicles, the agents shown below can help you decide which auto insurance policy would work best for you.
To find an auto insurance agency using an interactive map, click the button link following the list.
- Vonnie Wiggins – State Farm Insurance Agent
11757 Beach Blvd #7 – Jacksonville, FL 32246 – (904) 641-0090 - Mizell Insurance Agency
11893 New Kings Rd – Jacksonville, FL 32219 – (904) 764-3336 - Michael Nickas – State Farm Insurance Agent
10920 Baymeadows Rd #7 – Jacksonville, FL 32256 – (904) 777-6888