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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 it's around $6 a month cheaper to insure your vehicle in Jacksonville than it is in the rest of Florida.
If you're considering relocating to Jacksonville from out of state, you may want to budget a little extra for your insurance. It's about $37 more expensive than the national average to insure your vehicle in Jacksonville.
Although these are the average rates for auto insurance in Jacksonville, it's important to remember that you could end up paying something different. There are a variety of factors that car insurance companies consider to determine how much to charge you to get your vehicle insured. 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 even your credit score depending on the circumstances.
We've broken down average rates for Jacksonville to help you understand what your policy's monthly premium will cost. To find out if you're getting the cheapest rate, just enter your ZIP below and find out in minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
It makes sense that the older you are, the more experience you have driving, right? When it comes to car insurance bills, that experience can help put some change back into your pocket. As you can see, 18-24-year-olds pay $64 more than drivers 65 and older.
As you get older, you can expect to see a drop in your monthly premium every 10 years. Once you hit retirement, however, you may see your rates begin to go back up in Jacksonville.
Average Car Insurance Rates by Gender
Although women typically pay less than men do for auto insurance, this is not the case in Jacksonville, where female drivers pay around $7 more a month.
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 can expect to pay significantly less than those with infractions. Drivers in Jacksonville with a single accident will pay around $144 a month. In addition, drivers with a single ticket on their record can expect to pay around $163 a month on average.
Regardless of where you live, accidents, tickets, and other driving infractions can drive your monthly bill way up. Remember, cheap car insurance rates are dependent on driving safely and keeping your record clean.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$103|
|15 Years or Older||$114|
According to the first table above, trucks and vans are usually the cheapest vehicles to insure in Jacksonville, with drivers paying around $109 per month for auto insurance.
Car owners, on the other hand, typically pay around $120 per month, while SUV drivers can expect to pay about $112 a month to insure their vehicle.
Your vehicle's age also plays a role in your monthly payment. Newer vehicles are generally going to be the most expensive to insure. However, once your car is a few years old you may start to see your rates drop back down a bit. In Jacksonville, for example, the most expensive vehicles to insure are vehicles two-to -three years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$122|
Overall, car insurance is slightly cheaper for married policyholders. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.
The difference in rates based on relationship status in Jacksonville is about $15 a month, with married couples paying less for coverage than single drivers.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$154|
Your housing status is another component of how insurance companies calculate your monthly rate. In Jacksonville, homeowners can expect to pay around $21 a month less than those who rent. But if you live with your parents, your rates will be significantly higher.
Bundling your home or rental insurance with your auto insurance can oftentimes reduce your car insurance premiums, depending on your insurance company.
Car Insurance Companies in Jacksonville, FL
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 choosing when and where to shop.
The cost of auto insurance coverage in Jacksonville has been mixed as of late, it increased in 2016, dropped in 2018, and rose again in 2020, before finishing at $121 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 an insurance policy, car insurance companies will evaluate numerous factors. Where you live will also have a significant impact on your personal policy. This may include things like:
- Amount of drivers
- Local crime rates
- Road safety
- Regional regulations
- Off-street parking access
You'll be hard pressed to change any of these factors yourself, but they're worth considering when thinking about the purchase of a new policy or 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 getting familiar with 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.
Fortunately, Compare.com can handle all of this for you. Just put in your ZIP Code below, answer a few questions related to the factors we outlined above, and you'll be quickly comparing the cheapest quotes from loads of the car insurance companies that offer 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 you can't control like your age and gender but also factors like your driving record, address, credit score, 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?
Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like crime rates, parking situations, and local laws when calculating your quote -- all of which can change from city to city.
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?
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?
No, you can switch companies at any point, no matter how much time is left on your current policy. If you're thinking about moving to Jacksonville or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.