Who Has the Cheapest Jacksonville Auto Insurance Rates for Seniors?

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Finding reliable, affordable car insurance is difficult, and deciding which company offers the most affordable auto insurance rates for seniors will involve even more rate comparisons.

Every car insurance company has a proprietary method for setting prices, so first let's look at the rankings for the lowest cost auto insurance companies in Florida. It's important that you understand Florida auto insurance rates are influenced by many factors that may substantially change the price you have to pay. Improving your credit rating, moving to a different location, or having an accident can trigger changes in premium resulting in some rates now being less affordable than competitors.

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USAA may have some of the lowest car insurance rates in Jacksonville at around $977 a year. This is $1,471 less than the average premium paid by Florida drivers of $2,448. Electric, Amica, Progressive, and Travelers also are some of the cheaper Jacksonville, FL car insurance companies.

As illustrated above, if you currently have a policy with Amica and switched to USAA, you may realize a yearly price reduction of in the vicinity of $787. Insureds with Progressive could save as much as $870 a year, and Travelers customers might see rate reductions of $911 a year.

To find out how much you can save, click here to start a quote or feel free to get quotes from the companies below.

Be aware that those policy rates are averages across all drivers and vehicles in Florida and and are not figured with a vehicle location for seniors. So the car insurance company that can offer the best rates for your situation may not even be in the top 21 companies in the list above. That illustrates why you need to get car insurance quotes using your own driver data and vehicle information.

For senior citizens, one of the more important criteria that determine the annual cost of car insurance is your zip code in Jacksonville. Cities with larger populations tend to pay slightly more, whereas areas with fewer weather claims and lower vehicle theft rates tend to receive slightly lower rates.

The illustration below shows the highest-priced places in Florida for seniors to buy car insurance in. Jacksonville shows up at #18 with an annual premium of $2,020 for the average insurance policy, which is around $168 per month.

How much does car insurance cost in Jacksonville, FL?
Rank City Annual Premium
1 Hialeah $3,595
2 Miami Gardens $3,277
3 Miami $3,273
4 Miami Beach $3,043
5 Miramar $2,683
6 West Palm Beach $2,599
7 Fort Lauderdale $2,576
8 Pompano Beach $2,543
9 Tampa $2,532
10 Hollywood $2,526
11 Davie $2,523
12 Pembroke Pines $2,505
13 Coral Springs $2,499
14 Brandon $2,368
15 St. Petersburg $2,286
16 Clearwater $2,260
17 Spring Hill $2,039
18 Jacksonville $2,020
19 Orlando $2,008
20 Port St. Lucie $1,975
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Table data uses approximated as the specific garaging location can revise coverage prices noticeably.

Impact of citations and accidents on Jacksonville insurance rates

The obvious way to snag affordable auto insurance premiums for senior citizens is to drive cautiously and not receive tickets or have accidents. The illustration below demonstrates how speeding tickets and fender-benders can increase insurance rates for different ages of insureds. The premiums are based on a married male driver, full coverage, $500 deductibles, and no discounts are applied.

The data charted above shows the average cost of auto insurance per year with a clean driving record and no accidents is $2,263. Factor in two speeding tickets and the average cost swells to $3,121, an increase of $858 each year. Then throw in one accident along with the two speeding tickets and the yearly cost of auto insurance for seniors goes up to an average of $3,992. That's an increase of $1,729, or $144 per month, just for being a little careless behind the wheel!

Picking a highly-rated auto insurance provider can be challenging considering how many different insurance companies sell coverage in Florida. The company ratings shown below may help you choose which providers you want to consider buying from. The ratings below are only made up of companies that insure vehicles across America, so smaller regional companies are not factored into these rankings.

Best Auto Insurance Companies for Seniors in Florida
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
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Data Source: Insure.com Best Car Insurance Companies

The example below highlights how deductible choice can influence insurance rates when trying to find cheap insurance for seniors. The premiums are based on a single male driver, full physical damage coverage, and no discounts are applied to the premium.

In the chart above, a 30-year-old driver could lower their car insurance rates by $384 a year by switching their comprehensive and collision coverages from a $100 deductible to a $500 deductible, or save $582 by using a $1,000 deductible. Even younger drivers, like the 20-year-old, can cut up to $1,126 or even more by choosing larger deductibles on their policy.

When raising deductibles, it will be required to have enough savings set aside to pay the extra out-of-pocket expense that is associated with using high deductibles.

Who has the cheapest Jacksonville car insurance?

Jacksonville, FL auto insurance rates are determined by lots of factors that can increase the policy price. Simply having a birthday, marrying your spouse, or getting a speeding ticket can trigger price changes that can now make some companies affordable when they were higher priced.

Also, companies change the rates they charge in Florida as often as every quarter in order to remain profitable. A period of increased losses may result in increased policy costs, while a better claims history can produce cheaper Jacksonville car insurance rates.

The chart below analyzes the cheapest car insurance in Jacksonville, FL for a 30-year-old female driver with no accidents, a clean driving record, and solid credit. When quoting prices based on her personal profile, USAA might quote the most affordable car insurance rates in Jacksonville at $1,095 a year. This is $1,353 less than the average policy premium paid by Florida drivers of $2,448. Electric, Amica, Progressive, and Travelers are also included in the most affordable Jacksonville, FL auto insurance companies.

In this example, we will give the driver from the first set of rates a claim surcharge, a lower credit score, and a blemish on her driving record. Due to the fact that every insurance company has their own formula to set policy rates, analyzing rate quotes may result in a different ranking of cheap Jacksonville auto insurance companies as shown below.

USAA now has the best car insurance rate in Jacksonville, FL with Mercury, GEICO, Esurance, and State Farm completing the list. This example illustrates why consumers need to take the time to do a thorough rate comparison to find the best car insurance quotes for seniors. Prices are determined by many factors and can change without notice, so the most affordable company when you last compared rates may now be costing you a lot of money.