Table of contents
How much is car insurance in Jacksonville?
|Area||Average Monthly Car Insurance Premium|
Compared to the rest of the Texas, coverage in Jacksonville is about $13 a month cheaper.
Compared to the rest of the country, auto insurance in Jacksonville is more affordable. You can expect to pay about $29 below the national average for auto insurance in Jacksonville.
Bear in mind that while these rates represent the expected monthly payments for Jacksonville residents, it doesn't mean that's what you'll pay. There are a variety of factors that car insurance companies consider to determine how much to charge you to get your vehicle insured. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect your policy's monthly price.
We've broken down the average rates for Jacksonville to help you understand what exactly you might be asked to pay. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP Code below to learn more about rates in your area!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
Generally, the older you are, the more experienced you are on the roads. That experience can really work in your favor when factored into your car insurance rates. According to the table above, you can see that 18-24-year-olds pay $42 more than drivers 65 and older.
You can expect to see your monthly premium drop about once a decade or so. Once you hit retirement age, however, your rates may start to rise again in Jacksonville.
Average Car Insurance Rates by Gender
While women typically pay less than men do for auto insurance, Jacksonville defies this trend. Female drivers typically pay around $7 more per month to insure their vehicle than their male counterparts.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
One of the key factors in determining your car insurance rates is your driving record. Drivers with clean records can expect to pay much less than those with accidents or violations. In Jacksonville, a driving record with a single accident will usually get you a rate around $80 a month. In addition, drivers with a single ticket on their record can expect to pay around $80 a month on average.
Regardless of where you live, accidents, tickets, and other driving infractions can greatly increase your premium. So, if you want the cheapest rates, drive carefully and try to maintain a clean driving record.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$30|
|15 Years or Older||$47|
In Jacksonville, the cheapest vehicles to insure are by and large trucks and vans, with drivers paying around $48 per month for insurance coverage.
SUV drivers will see rates of about $57 for insurance coverage, while car owners typically pay around $52 a month.
In addition to vehicle type, you can also expect to see slightly different rates based on how old your vehicle is. Generally, newer vehicles are going to cost the most to insure. Once your car is around 5 years old, however, your monthly bill may start to dip back down. The most expensive vehicles to insure in Jacksonville are vehicles two-to -three years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$53|
Generally, those who have settled down into marriage will pay slightly less for auto insurance. This oftentimes is a result of owning multiple vehicles that are on the same policy, something some companies will reward with discounts.
Although married couples normally pay less than single drivers to insure their vehicles, the rates for both groups in Jacksonville are about the same.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$69|
Your housing status is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment, expect to pay around $4 less than homeowners in Jacksonville. But those who live at home with their parents can expect to pay significantly more.
Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your overall costs, depending on your insurance company.
Car Insurance Companies in Jacksonville, TX
Recent trends in car insurance for Jacksonville drivers
Given that average rates are often changing, it's a smart move to know the direction your area is trending before picking an insurance policy.
Car insurance rates in Jacksonville decreased from 2017-2020, before steadying out in 2021. They finished down in 2022, at $42 per month
How does Jacksonville compare to neighboring areas?
Why are car insurance rates in Jacksonville different from other areas?
Car insurance companies will consider several factors when trying to decide how much to charge for a policy. While we mentioned the factors that affect your personal policy, others are based around where you live and drive. These include things like:
- Total drivers
- Number of car accidents
- Access to off-street parking
- Community regulations
- Local crime rates
Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making a move. Knowing that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your particular neighborhood.
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 by requesting a quote from car insurance companies. Understanding what the average costs are for drivers prior to seeking out a quote can help you understand how closely the quote reflects local trends.
Good news! Compare.com has you covered. Just put in your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from a bulk of the car insurance companies providing auto coverage in Jacksonville in no time.
Jacksonville Insurance FAQs
What factors affect car insurance quotes in Jacksonville?
The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your gender and age, but also factors like your vehicle's year, make and model, plus your marital status, address, credit score, and driving record.
Why is the cost of car insurance in Jacksonville different from other neighboring cities?
Auto insurance companies consider regional factors, such as crime rates, local laws, and parking situations into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.
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 major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good 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?
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.