Jacksonville, FL Car Insurance

Are rates in Jacksonville higher or lower than those in neighboring areas? How do they compare to the rest of Florida? What rates should residents of Jacksonville expect to pay for their car insurance? You can see the cost breakdowns and contributing factors in the charts and writeups below:

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How much is car insurance in Jacksonville?

According to the chart above, the average cost of auto insurance in Florida is about $8 a month more expensive than it is in Jacksonville.

Drivers relocating the Jacksonville should take note of the differences in average rates. The cost of auto coverage in Jacksonville is about $35 more expensive than the national average.

Although these are the average car insurance rates in Jacksonville, you could end up paying something different. The amount that insurance companies end up charging you is determined by a number of factors. The final dollar amount you'll be asked to pay each month is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.

We've analyzed the average rate for Jacksonville and broken down the different factors to help you understand what your policy's monthly premium will be. To find out if you're overpaying for your area, just enter your ZIP Code below and find out in minutes!

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Jacksonville Car Insurance Rates by Age

The longer you've been behind the wheel, the more experienced of a driver you are. When it comes to your monthly premium, that experience can really pay off. According to the table above, you can see that 18-24-year-olds pay a lot more than drivers 65 and older.

You can expect to see your monthly premium drop about once a decade or so. Jacksonville drivers may see their rates begin to go back up once they hit retirement age.

Jacksonville Car Insurance Rates by Gender

Car insurance rates for female drivers are usually cheaper than those for male drivers. While this isn't true in Jacksonville, the difference in monthly rates is minimal.

Jacksonville Auto Insurance Rates by Driving Record

Depending on your driving record, your rates can vary quite a lot. Drivers who avoid accidents and tickets will pay lower rates than those with infractions. In Jacksonville, a driving record with a single accident will usually get you a rate around $138 a month. In addition, drivers with one ticket can expect to pay around $136 a month on average.

Wherever you live, accidents, tickets, and other driving infractions can cost you some serious cash. In order to reduce your monthly bill and get the cheapest car insurance possible, keep your record clean and drive carefully.

Jacksonville Insurance Rates by Vehicle

According to the first table above, trucks and vans are usually the cheapest vehicles to insure in Jacksonville, with drivers paying around $103 per month for insurance.

Car owners, on the other hand, typically pay around $119 per month, while SUV drivers can expect to pay about $111 a month for insurance coverage.

Your vehicle's age can also affect your monthly bill. Generally, newer vehicles are going to cost the most to insure. However, once your car is close to 5 years old, you may start to see your monthly premium decrease. In Jacksonville, the most expensive vehicles to insure are vehicles eleven-to-fourteen years old.

Jacksonville Car Insurance Rates by Relationship Status

On average, those who are currently married will pay slightly less for insurance coverage. This oftentimes is a result of owning multiple vehicles that are on the same policy, something many companies award special discounts for.

The cost of auto insurance in Jacksonville reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $12 a month.

Jacksonville Car Insurance Rates by Housing Situation

Your living accommodations is another factor that affects your monthly rate. If you rent your home or apartment, expect to pay around $16 a month more than if you own your 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, FL

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 shopping for coverage.

Car insurance rates in Jacksonville decreased from 2017-2019, where they hit a low of $103, before steadying out in 2020. Policy premiums have been decreasing again since 2021, and finished down at $92 in 2022.

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 many factors. The specifics of where you live and drive will have an impact on your personal policy. This might include things like:

• Total number of drivers in the area
• Regional crime rates
• Area laws
• Off-street parking access
• Rate of car accidents

It's good to be aware of these factors (even though you may not be able to do much to influence them) as you shop for a new policy or consider relocating. Different cities and towns will each have different rates, so guides like these are a handy way to get started.

How can I find the cheapest car insurance in Jacksonville?

Arming yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.

But wait! Compare.com can handle all of this for you. Just put in your ZIP below, answer a few questions related to the factors we outlined above, and you'll be quickly comparing the cheapest quotes from many of the car insurance companies offering auto coverage in Jacksonville.

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Jacksonville Auto 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 gender and age, but also factors like your address, credit score, driving record and marital status, as well as your vehicle's year and make and model.

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 car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once.

Do I need to change my insurance if I move to Jacksonville?

Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good 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?

Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Jacksonville or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.