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How much is car insurance in Orange Park?
|Area||Average Monthly Car Insurance Premium|
The cost of coverage in Orange Park is about $15 a month cheaper than it is for the rest of Florida.
Conversely, Orange Park residents will likely pay higher rates to insure their vehicle than in the rest of the country. Coverage in Orange Park is about $28 more expensive than it is for the rest of the U.S.
Although these are the average monthly costs for an auto insurance policy in Orange Park, that doesn't mean it's exactly what you'll pay. There are a number of factors that determine how much insurance companies might charge you for your insurance policy. Variables like age, gender, vehicle make and model, driving record, and even credit score (depending on your area) can all be taken into consideration when determining the bill you'll see each month.
Don't sweat it however, we've broken down average rates for Orange Park residents based on several different factors so that you can get a more accurate idea of your policy's monthly premium. And if you're not sure that you're paying the lowest option, simply enter your ZIP Code below and find out!
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Orange Park 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, right? That experience can lead to some serious savings when it comes to car insurance premiums. In this case, 18-24-year-olds pay significantly more than someone who is at retirement age.
As you get older, you can expect to see a drop in your monthly premium every 10 years. Drivers in Orange Park may see their rates begin to increase again once they hit retirement age.
Orange Park Car Insurance Rates by Gender
In general, female drivers pay less for car insurance than their male counterparts. In Orange Park, although men do pay slightly less on their monthly auto insurance coverage, the cost is about the same for either group.
Orange Park Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can change drastically depending on your driving record. Drivers who avoid accidents and tickets will pay significantly lower rates than those with infractions. In Orange Park, drivers with one accident on their record will experience rates around $121 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $123.
Accidents, tickets, and other driving infractions can really cost you when it comes to your monthly rate. Remember, cheap car insurance rates are dependent on driving safely and keeping your record clean.
Orange Park Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$76|
|15 Years or Older||$111|
As you can see in the first table above, the cheapest vehicles to insure in Orange Park are usually SUVs, which run about $97 per month.
Cars, trucks, and vans on the other hand, cost about the same to insure, around $112 per month.
Your rates can also vary depending on the age of your vehicle. Generally, the most expensive vehicles to insure are going to be newer ones. However, once your car is a few years old you may start to see your rates drop back down a bit. In Orange Park, the most expensive vehicles to insure are vehicles eight-to-ten years old.
Orange Park Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$109|
Overall, married policyholders will pay slightly less to insure their vehicle. This usually boils down to owners having multiple vehicles on the same policy, something many companies award special discounts for.
At a national level, married drivers usually pay less than single drivers for auto insurance. This holds true for Orange Park as well, where the difference is around $4 a month.
Orange Park Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$133|
Your housing status is another factor that affects your monthly rate. If you rent your home or apartment in Orange Park, expect to pay around $25 a month more than if you are a homeowner. Those who live with their parents, however, can expect to pay a lot more.
Bundling your home or rental insurance with your auto insurance can oftentimes reduce your overall costs, depending on your insurance company.
Car Insurance Companies in Orange Park, FL
Recent trends in car insurance for Orange Park drivers
Since average rates are constantly changing, it's a smart move to research the local trends in your area before shopping for coverage.
In Orange Park, the rates for auto insurance dropped from 2017-2019, before rising from 2020-2021. They finished down in 2022 at $73.
How does Orange Park compare to neighboring areas?
Why are car insurance rates in Orange Park different from other areas?
There are a variety of factors car insurance companies take into consideration when figuring out how much to charge for coverage. While we already mentioned the ones that affect your personal policy, others are influenced by where you live. These include things like:
- Total number of drivers in the region
- Local regulations
- Amount of off-street parking
- Local crime rates
- Number of car accidents
Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. 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 Orange Park?
Equipping 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 on you and your car, and you'll be quickly comparing the cheapest quotes from loads of the car insurance companies offering policies in Orange Park.
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Orange Park Auto Insurance FAQs
What factors affect car insurance quotes in Orange Park?
Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control 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 Orange Park 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 parking situations, local laws, and crime rates when calculating your quote -- all of which can change from city to city.
Which car insurance company will offer me the cheapest rate in Orange Park?
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 by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Orange Park?
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 Orange Park 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.
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