For new drivers, one of the largest things that are looked at to help calculate the amount you pay for auto insurance is where you keep your car in Jacksonville. Areas with more people or higher crime rates tend to pay more, whereas areas with less people or fewer weather incidents tend to receive cheaper rates.
The following table rates the most costly cities in Florida for inexperienced drivers to buy car insurance in. Jacksonville is listed at #19 with an annual cost of $2,020 for the average insurance policy, which is approximately $168 monthly.
| Rank | City | Annual Premium |
|---|---|---|
| 1 | Hialeah | $3,595 |
| 2 | Miami Gardens | $3,181 |
| 3 | Miami | $3,177 |
| 4 | Miami Beach | $2,923 |
| 5 | Miramar | $2,709 |
| 6 | West Palm Beach | $2,679 |
| 7 | Pompano Beach | $2,595 |
| 8 | Coral Springs | $2,574 |
| 9 | Tampa | $2,532 |
| 10 | Hollywood | $2,526 |
| 11 | Fort Lauderdale | $2,475 |
| 12 | Davie | $2,448 |
| 13 | Pembroke Pines | $2,407 |
| 14 | Brandon | $2,392 |
| 15 | St. Petersburg | $2,263 |
| 16 | Clearwater | $2,194 |
| 17 | Spring Hill | $2,123 |
| 18 | Orlando | $2,090 |
| 19 | Jacksonville | $2,020 |
| 20 | Port St. Lucie | $1,975 |
| 21 | Cape Coral | $1,860 |
| 22 | Lakeland | $1,845 |
| 23 | Tallahassee | $1,784 |
| 24 | Palm Bay | $1,750 |
| 25 | Gainesville | $1,680 |
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Rates are approximated as vehicle location can decrease or increase premiums greatly.
The make and model of vehicle to be insured is a significant factor that determines the availability of the lowest-priced coverage for inexperienced drivers. Vehicles with limited top-end speed, modern passenger safety features, or a positive history of liability claims will cost quite a bit less to insure than higher performance models. The next table outlines coverage rates for a selection of the cheaper vehicles to insure in Florida.
| Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Honda CR-V LX 2WD | $1,138 |
| Hyundai Elantra GLS Touring Station Wagon | $1,144 |
| Chevrolet Silverado LS Regular Cab 4WD | $1,249 |
| Chevrolet Impala LS | $1,323 |
| Jeep Grand Cherokee Laredo 2WD | $1,350 |
| Honda Accord EX-L 4-Dr Sedan | $1,357 |
| Ford Edge SE 2WD | $1,366 |
| Dodge Grand Caravan SXT | $1,374 |
| Ford Explorer Eddie Bauer 4WD | $1,384 |
| Ford Escape Limited 4WD | $1,390 |
| Jeep Wrangler Unlimited Sport Islander Package 4WD 4-Dr | $1,397 |
| Honda Odyssey EX-L W/Navigation | $1,422 |
| Toyota Prius | $1,424 |
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Table data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Florida minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-vehicle, and multi-policy. Rate information does not factor in specific Jacksonville, FL garaging location which can impact premium rates significantly.
Based upon these rates, cars like the Honda CR-V, Hyundai Elantra, Chevrolet Silverado, Chevrolet Impala, and Jeep Grand Cherokee are some of the cheapest vehicles to insure for new drivers.
Locating affordable insurance is confusing at best, and deciding which company quotes the best insurance rates for inexperienced drivers calls for a little more work. Every insurance provider has their own formula to set premium rates, so we’ll take a look at the insurance companies that tend to have lower prices in Jacksonville, FL.
It’s important that readers know that Florida insurance rates are based on many factors which can substantially decrease or increase the cost of a policy. Improving your credit rating, filing a claim, or getting a reckless driving citation may prompt premium changes that can make some companies more expensive than others.
Cheapest Insurance Rates for Newbies
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| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $986 |
| 2 | Amica | $1,712 |
| 3 | Electric | $1,746 |
| 4 | Progressive | $1,775 |
| 5 | Mercury | $1,933 |
| 6 | Allied | $1,945 |
| 7 | Travelers | $1,945 |
| 8 | Auto-Owners | $2,085 |
| 9 | GEICO | $2,086 |
| 10 | Esurance | $2,102 |
| 11 | State Farm | $2,131 |
| 12 | Allstate | $2,317 |
| 13 | 21st Century | $2,445 |
| 14 | Windhaven Insurance | $2,575 |
| 15 | Hanover | $2,934 |
| 16 | MetLife | $2,958 |
| 17 | Safeco | $2,987 |
| 18 | Liberty Mutual | $3,039 |
| 19 | United Automobile | $3,422 |
| 20 | Direct General | $3,942 |
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USAA offers some of the cheapest car insurance rates in Jacksonville at around $986 each year. Amica, Electric, Progressive, and Mercury also rank well as some of the more affordable Jacksonville, FL car insurance companies.
As the example above demonstrates, if you currently buy coverage from Progressive and switched to Amica, you might see an annual premium reduction of upwards of $63. Policyholders with Mercury could save as much as $221 a year, and Allied insureds might reduce rates by $233 a year.
Be aware that those prices are averaged across all drivers and vehicles and and are not calculated with an exact location for inexperienced drivers. So the auto insurance company that fits you best may not even be in the top 21 companies shown above. That helps illustrate why you need to get car insurance quotes using your own personalized driver profile and vehicle information.
How to get discounts on Jacksonville insurance
Auto insurance companies that offer coverage for inexperienced drivers may also give you rate discounts that could potentially reduce rates by as much as 25% or more if you meet specific criteria. Popular insurance companies and some of their more popular discounts are detailed below.
- Progressive includes discounts for online quote discount, multi-vehicle, multi-policy, good student, continuous coverage, online signing, and homeowner.
- MetLife has discounts for good driver, multi-policy, accident-free, defensive driver, and good student.
- Mercury Insurance may offer discounts for anti-theft, location of vehicle, ease of repair, type of vehicle, and low natural disaster claims.
- Nationwide discounts include business or organization, defensive driving, family plan, good student, and accident-free.
- GEICO policyholders can earn discounts including military active duty, defensive driver, driver training, membership and employees, multi-policy, and air bags.
- AAA offers discounts for anti-theft, education and occupation, AAA membership discount, good student, multi-policy, multi-car, and good driver.
The diagram below illustrates the comparison of auto insurance rates with and without discounts applied. The premiums assume a male driver, a clean driving record, no claims, Florida state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows insurance cost with no discounts. The second bar shows the rates with accident-free, passive restraint, multiple policy, vehicle safety, defensive driving course, and safe-driver discounts applied. In this example, theamount saved on insurance for inexperienced drivers is 28% or $891.
The information below illustrates how your choice of deductibles can affect premium costs when getting quotes for cheap insurance for inexperienced drivers. The data assumes a married male driver, full coverage, and no other discounts are factored in.
In the chart above, a 40-year-old driver could lower their car insurance rates by $394 a year by increasing from a $100 deductible up to a $500 deductible, or save $590 by using a $1,000 deductible. Even younger insureds, like the Age 20 category, could lower their rates as much as $1,320 or even more just by choosing higher deductibles.
When using a larger deductible, it will now be necessary to have plenty of savings on hand to pay the extra out-of-pocket expense, which is the one shortcoming of high deductibles.
Insurance rate increases from tickets or accidents
A great way to get low insurance prices for new drivers is to drive attentively and avoid accidents and keep your driving record clean. The chart below demonstrates how traffic citations and at-fault claims can impact insurance rates for each different age group. The information is based on a single female driver, full physical damage coverage, $1,000 deductibles, and no discounts are applied.
In the previous example, the average cost of an auto insurance policy in Florida per year with no accidents or violations is $2,224. Get one speeding ticket and the average cost rises to $2,525, an increase of $301 each year. Then include one accident along with the one speeding ticket and the annual cost of insurance for inexperienced drivers goes up to an average of $3,367. That’s an increase of $1,143, or $95 per month, just for being a less-than-perfect driver!