The vehicle model that is being insured is one of the largest factors when comparing quotes for economical coverage for single moms. Vehicles with limited top-end speed, good crash test ratings, or a low likelihood of having liability claims will cost quite a bit less to insure than adrenaline junky models. The next table illustrates insurance premiums for a selection of the most budget-friendly automobiles to insure in Florida.
|Make and Model||Estimated Cost for Full Coverage|
|Ford Escape Limited 4WD||$1,169|
|Honda Odyssey EX W/Rear Entertainment||$1,252|
|Honda CR-V EX 4WD||$1,263|
|Toyota RAV4 Limited 4WD||$1,278|
|Chevrolet Malibu LS||$1,285|
|Honda Accord EX 4-Dr Sedan||$1,322|
|Hyundai Elantra GLS Touring Station Wagon||$1,328|
|Chevrolet Impala LTZ||$1,344|
|Ford F-150 XL Crew Cab 2WD||$1,386|
|Dodge Grand Caravan CV||$1,393|
|Ford F-350 XL Crew Cab King Ranch 2WD||$1,393|
|Nissan Rogue SL AWD||$1,433|
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Cost estimates assume single female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Florida minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, homeowner, and claim-free. Premium amounts do not factor in zip code location which can modify insurance rates noticeably.
Looking at the data, you can presume that models like the Ford Escape, Toyota Prius, Honda Odyssey, Honda CR-V, and Toyota RAV4 are most likely to be some of the cheapest vehicles to insure for single parents.
For single parents, one of the big factors that aid in calculating car insurance rates is where you live in Jacksonville. Regions with larger populations or more claims tend to have higher rates, whereas areas that tend to be more rural benefit from lower rates.
The information below lists the most expensive places in Florida for single moms in which to purchase auto insurance. Jacksonville shows up at #19 with an annual rate of $2,020 on average, which is around $168 each month.
|Rank||City||Premium Per Year|
|6||West Palm Beach||$2,625|
|20||Port St. Lucie||$1,916|
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Information shown are estimated as the specific garaging location can alter insurance rates significantly.
Finding low-priced car insurance is confusing at best, and figuring out which companies offer the most affordable auto insurance rates for single moms will require even more diligence.
Each company has a proprietary method to determine premium rates, so to begin we’ll rank the most competitive auto insurance companies in Florida. It’s a good idea to be aware that Jacksonville, FL auto insurance rates are impacted by many things that will increase or decrease the price of coverage. Turning one year older, getting married, or getting a reckless driving citation may generate price changes resulting in some companies being much higher than others.
Find the Cheapest Auto Insurance for Single Moms
USAA generally has some of the best car insurance rates in Jacksonville at around $957 annually. This is $1,491 less than the average rate paid by Florida drivers of $2,448. Electric, Amica, Progressive, and Mercury are also some of the more affordable Jacksonville, FL auto insurance companies.
As depicted above, if you buy coverage from Amica and switched to USAA, you could realize savings of in the vicinity of $807. Florida drivers with Progressive might save as much as $818 a year, and Mercury policyholders might lower prices by up to $957 a year.
It’s important to note that these estimates are averages for all drivers and vehicles in Florida and and are not calculated with an exact location for single moms. So the car insurance company that can offer you the best rate may not even be in the top 21 companies shown above. That point stresses why you need to compare as many prices as possible using your own specific driver and vehicle information.
The diagram below shows how choosing a deductible can raise or lower insurance premiums when researching cheap insurance for single moms. The premiums are based on a married male driver, comp and collision included, and no discounts are applied.
A 50-year-old driver could lower rates by $292 a year by changing their physical damage coverage from a $100 deductible up to a $500 deductible, or save $440 by choosing a $1,000 deductible. Young drivers, like the 20-year-old, could reduce their rates $966 each year by choosing a larger deductible amount. When increasing deductibles, it will now be necessary to have plenty of savings on hand to satisfy the extra out-of-pocket expense, which is the main disadvantage of using high deductibles.
Types of discounts on Jacksonville auto insurance rates
Auto insurance companies that offer coverage for single moms may have price discounts that can lower rates by as much as 40% or more if you meet specific criteria. A few popular companies and some of the discounts are:
- Travelers discounts include student away at school, continuous insurance, IntelliDrive, hybrid/electric vehicle, and save driver.
- 21st Century may offer discounts for good student, 55 and older, driver training, defensive driver, air bags, and student driver.
- State Farm policyholders can earn discounts including safe vehicle, good student, Drive Safe & Save, anti-theft, multiple autos, and Steer Clear safe driver discount.
- GEICO has discounts for multi-vehicle, anti-theft, military active duty, emergency military deployment, membership and employees, and five-year accident-free.
- SAFECO may include discounts for accident prevention training, teen safe driver, anti-theft, teen safety rewards, bundle discounts, and homeowner.
- AAA has savings for anti-theft, pay-in-full, multi-car, multi-policy, good driver, and AAA membership discount.
The diagram below illustrates the comparison of insurance costs with and without discounts applied to the policy premium. The premiums assume a male driver, no driving violations, no at-fault accidents, Florida state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows insurance cost with no discounts. The lower bar shows the rates with claim-free, homeowner, passive restraint, marriage, multiple vehicle, and vehicle safety discounts applied. When discounts are factored in, the average savings per year on auto insurance for single moms is 28% or $543.
Ratings for Jacksonville auto insurance companies
Buying coverage from the right insurance provider can be challenging considering how many companies sell coverage in Jacksonville. The information below can help you decide which companies to look at to insure your vehicles.
The rankings below only include companies that insure vehicles across America, so companies with more of a regional focus will not be included in the list. To view rates from these companies and more, follow this link.
Top 10 Major Auto Insurance Companies in Jacksonville Ranked by Customer Satisfaction
- USAA – 91%
- AAA Insurance – 90%
- Esurance – 90%
- Mercury Insurance – 89%
- Nationwide – 89%
- Travelers – 88%
- Progressive – 88%
- Safeco Insurance – 88%
- State Farm – 88%
- Allstate – 88%
Top 10 Major Auto Insurance Companies in Jacksonville Ranked by Value
- Mercury Insurance
- American Family
- AAA Insurance
- Safeco Insurance
- The Hartford
- The General
- 21st Century
How to find economical insurance for single moms
The list below summarizes some penny-pinching suggestions that can help Florida drivers quote cheaper car insurance.
- Good credit scores may make rates cheaper
- Buy a car with high safety ratings
- Multi-policy discounts save money
- Increase your physical damage deductibles
- Do not pay for comprehensive and collision coverage on older vehicles
- Earn discounts for being claim-free
- Compare rates regularly and switch companies to save money
That last tip is certainly critical, as we hit on in the article above. Prices charged by auto insurers go up and down frequently, so don’t be tentative to buy a different policy if you can save money.
Brand loyalty is great, but it’s not a great idea if that loyalty ends up costing hundreds of dollars year after year. If you have a few minutes, now is a great time to compare rates to find cheaper insurance for single moms in Jacksonville.
If you prefer to have a little guidance when shopping around for cheaper insurance for single moms, the insurance agencies below can provide answers to your questions and help you determine which coverages and limits you need. To locate a Jacksonville auto insurance agent closest to you, click the button link following the list or click here to compare prices now.
- Kathy Scott – State Farm Insurance Agent
6018 San Jose Blvd – Jacksonville, FL 32217 – (904) 730-3665
- Brightway Insurance
8206 Philips Hwy – Jacksonville, FL 32256 – (904) 527-3029
- Dwight Bacon Insurance Agency
6409 Merrill Rd – Jacksonville, FL 32277 – (904) 641-5940