Table of contents
How much is car insurance in Jacksonville?
|Area||Average Monthly Car Insurance Premium|
Car insurance policies across the rest of Arkansas are about $5 a month cheaper than the rates drivers pay in Jacksonville.
Compared to the rest of the country, auto insurance in Jacksonville is more affordable. The average monthly payment in Jacksonville is about $13 less than the rate for the rest of the U.S.
While these are the average costs to insure your vehicle in Jacksonville, keep in mind that you could end up paying a different amount. The amount that insurance companies end up charging you is determined by a number of factors. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all get factored into calculating the amount you'll be asked to pay each month.
But don't worry, we've broken down the average rates for Jacksonville residents based on several different factors so that you can get a more accurate idea of what you might pay. And if you're not sure that you're paying the lowest option, simply enter your ZIP below and find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
It's pretty safe to assume that the older you are, the longer you've been driving. When it comes to car insurance bills, that experience can help put some change back into your pocket. In this case, 18-24-year-olds pay $49 more than drivers 65 and older.
For every 10 years, you can expect to see a drop in your monthly premium. That said, once you hit retirement, your rates may climb back up in Jacksonville.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less for car insurance than their male counterparts. In Jacksonville, although women do pay a bit less on their monthly insurance rates, the price is about the same for either group.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a huge impact on your car insurance rates. Those with clean records will obviously pay significantly less than those with infractions. Drivers in Jacksonville with a single accident will pay around $65 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $39.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$83|
|15 Years or Older||$65|
According to the first table above, trucks and vans are by and large the cheapest vehicles to insure in Jacksonville, with drivers paying around $62 per month for insurance coverage.
SUV drivers will see rates of about $76, while the rates for car owners average out to about $64 a month.
Vehicle age also plays a role in your monthly payment. Generally, newer vehicles are going to be the most expensive to insure. Once your car is a few years old however, your rates may start to dip back down a bit. In Jacksonville, the most expensive vehicles to insure are vehicles less than one year old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$69|
Generally speaking, those who are currently married will pay slightly less to insure their vehicle. This can usually be attributed to their policies having multiple vehicles, a factor some companies will reward with discounts.
The difference in rates based on relationship status in Jacksonville can be as much as $10 a month, so it's worth keeping that in mind.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$101|
Your housing status is another factor that affects your monthly rate. Renters can expect to pay around $7 a month more than drivers who own property in Jacksonville. Those who live with their parents, however, can expect to pay a lot more.
Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your car insurance costs.
Car Insurance Companies in Jacksonville, AR
Recent trends in car insurance for Jacksonville drivers
Average rates are constantly changing, so it's a good idea to know the direction your area is trending when choosing when and where to shop.
The cost of car insurance coverage in Jacksonville had been increasing from 2016-2017, before leveling out in 2018. They increased again, reaching a high of $73 in 2020, and finished down at $56 in 2021.
How does Jacksonville compare to neighboring areas?
Why are car insurance rates in Jacksonville different from other areas?
When considering how much to charge for coverage, car insurance companies will review a lot of factors. The price of your insurance policy will depend largely on where you live and drive and will be influenced by things such as:
- Crime levels
- Total number of drivers
- Number of car accidents
- Off-street parking accessibility
Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making a move. Different towns and cities will all have different average rates, so guides like these are a great place to get started.
How can I find the cheapest car insurance in Jacksonville?
While knowing what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
But hold on! Compare.com does all of that work for you. Just put in your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from a number of the car insurance companies providing plans in Jacksonville.
Jacksonville Insurance FAQs
What factors affect car insurance quotes in Jacksonville?
Car insurance companies calculate quotes based on a wide array of factors. These include things like your age and gender, but also factors like your vehicle's year, make and model, as well as your driving record, credit score, address, and marital status.
Why is the cost of car insurance in Jacksonville different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like parking situations, crime rates, and local laws -- which can vary from city to city -- can significantly affect your rate.
Which car insurance company will offer me the cheapest rate in Jacksonville?
Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible however, by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Jacksonville?
Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Jacksonville or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?