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How much is car insurance in Jacksonville?
|Area||Average Monthly Car Insurance Premium|
Looking at the chart above, you can see that the average monthly price in Jacksonville is in line with pricing for the rest of Arkansas.
When viewed against the average rates for the rest of the U.S., auto insurance coverage in Jacksonville is rather affordable. The average monthly payment in Jacksonville is about $14 cheaper than the rate for the rest of the U.S.
These rates may be the average amount drivers in Jacksonville pay for their insurance policy, but that doesn't mean it's exactly what you'll pay. There are a variety of factors that car insurance companies consider to determine how much to charge you to insure your vehicle. The final dollar amount you'll be asked to pay each month is calculated off of factors such as your age, gender, vehicle make and model, driving record, and in some areas, your credit score.
We've broken down the average rates for Jacksonville to help you understand what exactly you might be asked to pay. And if you think you might be overpaying for insurance, simply enter your ZIP below to learn more about rates in your area!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
Generally speaking, the older you are, the more experience you have driving, right? When it comes to your monthly premium, that experience can really pay off. In this case, 18-24-year-olds pay two times as much as someone who is at retirement age.
For every 10 years, you can expect to see a drop in your monthly premium. Once you hit retirement, however, your rates may creep back up a bit in Jacksonville.
Average Car Insurance Rates by Gender
In general, car insurance rates for women are usually cheaper than they are for men. In Jacksonville, however, male and female drivers both pay, on average, $67 for their monthly policy premium.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can vary wildly depending on your driving record. Those with clean records will see the most affordable rates, whereas even a single accident or infraction can cost you. In Jacksonville, a driving record with one accident will usually get you a rate around $69 a month. Similarly, drivers with one ticket will typically pay around $64 on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$68|
|15 Years or Older||$66|
As you can see in the first table above, the cheapest vehicles to insure in Jacksonville are typically trucks and vans, which run about $62 per month.
Car owners can expect to pay an average of around $66 a month for their policy, while SUVs usually cost around $72 a month to insure.
In addition to vehicle type, you can also expect to see slightly different rates depending on your vehicle's age. Newer vehicles are generally 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. The most expensive vehicles to insure in Jacksonville are vehicles eleven-to-fourteen years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$68|
Overall, those who are currently married will pay slightly less to insure their car. This oftentimes is a result of owning multiple vehicles that are on the same policy, something that will often get you a discount.
Although married couples normally pay less than single drivers to insure their vehicles, the rates for both groups are about the same in Jacksonville.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$101|
Another factor taken into consideration is your housing situation. If you rent your home or apartment, expect to pay around $9 a month more than those who own their own home in Jacksonville. Those who live with their parents, however, can expect to pay a lot more.
Depending on your insurance company, they may offer you a discount if you bundle your home or renters insurance with your auto policy.
Car Insurance Companies in Jacksonville, AR
Recent trends in car insurance for Jacksonville drivers
Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before picking an insurance policy.
In Jacksonville, the rates for auto insurance rose from 2017-2018, when they reached a low of $62. This shifted in 2019, when rates began to increase. They hit a high of $73 in 2020, and finished up in 2022, at $71 a month.
How does Jacksonville compare to neighboring areas?
Why are car insurance rates in Jacksonville different from other areas?
There are a lot of factors car insurance companies take into consideration when deciding how much to charge for a monthly rate. The specifics of where you park your car will have an impact on your personal policy. This might include things like:
- Road Safety (total number of local car accidents)
- Total amount of drivers in the community
- Local crime rates
- Off-street parking accessibility
- Local regulations
It's good to be aware of these factors (even though you may not be able to do much to change them) as you shop for a new policy or consider 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?
In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.
Good news! Compare.com will handle the heavy lifting for you. Enter your ZIP Code below, respond to a few questions, and you'll be comparing the cheapest quotes from many of the car insurance companies providing coverage in Jacksonville.
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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, marital status, and address.
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 local laws, crime rates, and parking situations -- which can vary from city to city -- can significantly affect your rate.
Which car insurance company will offer me the cheapest rate in Jacksonville?
There isn't one company that will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.
Do I need to change my insurance if I move to Jacksonville?
Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No. You can switch companies at any time, regardless of how long is left on your current policy. So, if you've recently moved to Jacksonville or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.
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