The car, truck, or SUV you are seeking coverage for is one of the largest considerations when shopping around for cheap insurance for teenage males. Vehicles with economical engines, advanced safety features, or a track record of few liability claims will cost substantially less to insure than higher performance models. The information below presents auto insurance prices for a selection of the cheapest vehicles to insure.
| Insured Vehicle | Estimated Cost for Full Coverage |
|---|---|
| Honda CR-V EX 2WD | $5,047 |
| Honda Accord LX 4-Dr Sedan | $5,052 |
| Ford Escape Limited 4WD | $5,403 |
| Toyota Prius | $5,452 |
| Jeep Wrangler Rubicon 4WD 2-Dr | $5,680 |
| Ford Explorer XLT 2WD | $5,689 |
| Toyota Tacoma 4WD | $5,680 |
| Dodge Grand Caravan SE | $5,690 |
| Ford F-150 XL Regular Cab 4WD | $5,680 |
| Volkswagen Jetta SE 2.5 Station Wagon | $5,760 |
| Chevrolet Impala LS | $5,940 |
| Toyota RAV4 Sport 2WD | $5,988 |
| Toyota Camry LE | $5,994 |
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Table data represents single male driver age 16, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Florida minimum liability limits. Discounts applied include claim-free, and safe-driver. Rates do not factor in the specific area where the vehicle is garaged which can revise coverage prices considerably.
Based on these rates, you can figure that models like the Honda CR-V, Honda Accord, Ford Escape, Toyota Prius, and Jeep Wrangler are likely to be a few of the most economical vehicles to insure for teen boys. Car insurance rates will tend to be more expensive because of the fact that there is more liability exposure for teenage males, but overall those specific models will probably have the best rates compared to all other vehicles.
Determining which insurers offer the most affordable insurance rates for teenage males involves a bit more effort in order to find a policy that fits your budget. Each insurer has a unique formula for determining prices, so let’s examine the insurance companies with the overall cheapest rates in Florida.
It’s important to know that Jacksonville, FL insurance rates are influenced by many factors which can substantially decrease or increase the price you pay for coverage. Simply improving your credit, getting married, or getting a DUI may cause policy rate changes that can make some companies more affordable than others.
Best Cheap Insurance Rates for Teens
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $948 |
| 2 | Electric | $1,694 |
| 3 | Amica | $1,764 |
| 4 | Progressive | $1,847 |
| 5 | Allied | $1,926 |
| 6 | Travelers | $1,945 |
| 7 | Mercury | $1,992 |
| 8 | State Farm | $2,047 |
| 9 | GEICO | $2,086 |
| 10 | Esurance | $2,102 |
| 11 | Auto-Owners | $2,107 |
| 12 | 21st Century | $2,373 |
| 13 | Allstate | $2,388 |
| 14 | Windhaven Insurance | $2,627 |
| 15 | MetLife | $2,958 |
| 16 | Safeco | $2,987 |
| 17 | Liberty Mutual | $3,009 |
| 18 | Hanover | $3,054 |
| 19 | United Automobile | $3,422 |
| 20 | Infinity | $4,045 |
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USAA offers some of the cheapest car insurance rates in Jacksonville at around $948 a year. Electric, Amica, Progressive, and Allied also are some of the lowest-priced Jacksonville, FL insurance companies.
In the above example, if you currently buy coverage from Progressive and switched to Electric, you might achieve savings of roughly $153. Drivers with Allied could save as much as $232 a year, and Travelers policyholders might cut rates by $251 a year.
These policy prices are averaged for all drivers and vehicles and and are not figured with an exact location for teenage males. So the insurer that can offer the best rates for your situation may not even be in the top 21 companies in the list above. That helps illustrate why you need to get rate quotes using your own driver information and specific vehicle type.
Full coverage versus liability only rates
Finding the cheapest insurance is important to the majority of drivers, and an easy way to buy cheap insurance for teenage males is to only buy liability coverage. The chart below shows the difference between insurance premiums with and without physical damage coverage. Data assumes no tickets, no at-fault accidents, $1,000 deductibles, single marital status, and no additional discounts are factored in.
On average, full coverage costs an extra $1,747 per year over having just liability coverage. At some point, every insured wonders if buying full coverage is worth the expense. There is no clear-cut rule that works best for making the decision to drop full coverage, but there is a broad guideline. If the annual cost of having full coverage is 10% or more of the settlement you would receive from your company, then it’s probably a good time to buy liability coverage only.
There are some scenarios where buying only liability insurance is not recommended. If you still have a lienholder on your title, you have to maintain full coverage to satisfy the loan requirements. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is totaled, you should not opt for liability only.
Choosing a high-quality auto insurance company can be difficult considering how many choices drivers have in Florida. The rank data listed below can help you choose which car insurance providers you want to consider comparing price quotes from. These ratings include companies with a nationwide focus, so companies that have a smaller presence are not included in the list.
Top 10 Major Auto Insurance Providers in Jacksonville Ranked by Value
- Mercury Insurance
- Travelers
- American Family
- AAA Insurance
- Safeco Insurance
- Progressive
- The Hartford
- The General
- 21st Century
- Esurance
Top 10 Major Auto Insurance Providers in Jacksonville Ranked by Claims Service
- Travelers
- Nationwide
- Allstate
- State Farm
- Liberty Mutual
- GEICO
- American Family
- Esurance
- Titan Insurance
- AAA Insurance
How to get discounts on Jacksonville insurance
Insurance providers that offer cheap quotes for teenage males may also give you discounts that may potentially lower prices by as much as 30% if you are eligible for them. Larger insurance companies and a partial list of their discounts are:
- GEICO policyholders can earn discounts including anti-theft, five-year accident-free, anti-lock brakes, multi-policy, membership and employees, and federal employee.
- MetLife may include discounts for good student, defensive driver, claim-free, accident-free, and multi-policy.
- State Farm has discounts for multiple policy, good student, good driver, accident-free, multiple autos, anti-theft, and passive restraint.
- Progressive may have discounts that include good student, homeowner, multi-policy, continuous coverage, multi-vehicle, online quote discount, and online signing.
- Mercury Insurance offers discounts including multi-policy, age of vehicle, ease of repair, multi-car, type of vehicle, location of vehicle, and good student.
- 21st Century has savings for student driver, automatic seat belts, theft prevention, anti-lock brakes, homeowners, 55 and older, and good student.
- Allstate offers discounts for resident student, utility vehicle, good payer, defensive driver, early signing, and farm vehicle.
The chart below illustrates the difference between insurance prices with and without discounts applied to the rates. The rates are based on a female driver, no claims, a clean driving record, Florida state minimum liability limits, comp and collision included, and $1,000 deductibles.
The first bar for each age group shows insurance cost with no discounts. The lower bar shows the rates with passive restraint, anti-theft, paperless filing, good student, vehicle safety, and paid-in-full discounts applied. When discounts are factored in, theamount saved on insurance for teenage males is 28% or $815.
The insurance agencies listed below can help you determine which policy fits your needs best, as some drivers have questions and prefer to have some advice when shopping for cheaper insurance for teen boys. It can be difficult to find the cheapest auto insurance company, so using a licensed agent can provide you comfort knowing your coverage gives you sufficient protection if you have a claim.
To find a Jacksonville insurance agent using an interactive map, click the button link following the list or click here to get price quotes now.
- State Insurance Agency
803 3rd St N – Jacksonville Beach, FL 32250 – (904) 247-5599 - Mike Bell Insurance Agency
1819 3rd St N – Jacksonville Beach, FL 32250 – (904) 372-2355 - Denny Doyle – State Farm Insurance Agent
7807 Baymeadows Rd E #100 – Jacksonville, FL 32256 – (904) 737-3777 - Bill Pool – State Farm Insurance Agent
7025 Normandy Blvd – Jacksonville, FL 32205 – (904) 781-3800