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How much is car insurance in Orange Park?
|Area||Average Monthly Car Insurance Premium|
Car insurance coverage in Orange Park is about $14 cheaper than it is in the rest of Florida.
On the other hand, Orange Park residents should prepare to pay higher rates for coverage than the rest of the country. The average monthly payment in Orange Park is about $28 more expensive than the rate for the rest of the U.S.
The price you pay may very well be higher or lower than the rates you see, but we can help explain why. Insurance companies take an array of factors into consideration when determining how much to charge you for your car insurance. 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.
But worry not, we've done the heavy lifting and broken down the average rate for Orange Park to help you understand what exactly you might be asked to pay. If you're not certain that you're getting the cheapest rate for your area, just enter your ZIP below to find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
The longer you've been behind the wheel, the more experienced of a driver you are. That experience can really work in your favor when it comes to auto insurance. In this case, 18-24-year-olds pay $46 more than someone who is at retirement age.
For every 10 years, you can expect to see a decrease in your monthly premium. Once you hit retirement, however, your rates may creep back up in Orange Park.
Average Car Insurance Rates by Gender
In general, car insurance rates for women are usually cheaper than they are for men. In Orange Park, however, male and female drivers both pay, on average, $108 for their monthly policy premium.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can change drastically depending on your driving record. Those with clean records will obviously pay a lot less than those with infractions. In Orange Park, a driving record with one accident will usually get you a rate around $121 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $167 on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$77|
|15 Years or Older||$108|
According to the first table above, SUVs are typically the cheapest vehicles to insure in Orange Park, with drivers paying around $89 per month for auto insurance coverage.
Car owners will see rates of about $116, while truck and van owners usually pay around $101 a month.
You can also expect to see slightly different rates depending on how old your vehicle is. Generally, the most expensive vehicles to insure are going to be newer ones. However, once your car is around 5 years old, you may start to see your monthly premium drop back down. In Orange Park, the most expensive vehicles to insure are vehicles six-to-seven years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$111|
More often than not, married policyholders will pay slightly less for auto insurance coverage. This usually happens because companies will award special discounts to policyholders with multiple vehicles that are on the same policy.
On a national scale, married drivers typically pay less than single drivers for auto insurance. Orange Park is no exception, with the difference totaling to around $5 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$139|
Another factor that comes into play is your living situation. If you rent your home or apartment, expect to pay around $27 a month more than drivers who own property in Orange Park. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
That being said, many companies will offer you a discount if you bundle your homeowners or rental insurance policy with your auto insurance.
Car Insurance Companies in Orange Park, FL
Recent trends in car insurance for Orange Park drivers
Average rates are constantly changing, so it's a good idea to know the direction your area is trending when choosing when and where to shop.
The rates for auto insurance in Orange Park have been mixed as of late, they increased in 2016, dropped in 2018, and rose again in 2020, before finishing at $114 in 2021.
How does Orange Park compare to neighboring areas?
Why are car insurance rates in Orange Park different from other areas?
When considering how much to charge for a monthly rate, car insurance companies will consider a number of factors. Many factors affecting your policy are based around where you park your car. These factors include things like:
- Area regulations
- Total amount of drivers in the area
- Road safety
- Amount of off-street parking
- Crime levels
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 Orange Park?
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.
Fortunately, Compare.com will handle the heavy lifting for you. Just put in 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 policies in Orange Park.
Orange Park Insurance FAQs
What factors affect car insurance quotes in Orange Park?
Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your age and gender, but also factors like your driving record, credit score, marital status, and address.
Why is the cost of car insurance in Orange Park different from other neighboring cities?
Local laws, parking situations, and crime rates -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.
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?
Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart 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?
No. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Orange Park or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?