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How much is car insurance in Orange Park?
|Area||Average Monthly Car Insurance Premium|
Based on the above chart, auto insurance policies in Orange Park are about $14 a month cheaper than in the rest of Florida.
Drivers relocating the Orange Park should take note of the differences in average rates. The average monthly payment in Orange Park is about $28 more expensive than the rate 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. 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.
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 what it might cost to insure your vehicle. And if you think you might be overpaying for insurance, simply enter your ZIP below to learn more about rates in your area!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
More time behind the wheel makes you a more experienced driver. When it comes to auto insurance rates, that experience can help put some change back into your pocket. According to the table above, you can see that 18-24-year-olds pay significantly more than drivers 65 and older.
As you get older, you can expect to see a drop in your monthly premium every 10 years. You may see your rates creep back up a bit once you hit retirement in Orange Park.
Average Car Insurance Rates by Gender
Despite the national trend of women paying less than men to insure their car, in Orange Park men actually pay $107 per month for coverage while women pay $111.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can change drastically depending on your driving record. Drivers with clean records will pay significantly lower rates than those with accidents or violations. In Orange Park, a driving record with a single 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 $123 on average.
Accidents, tickets, and other driving infractions can really add up when it comes to how much you pay. In order to reduce your monthly bill and get the cheapest car insurance possible, keep your record clean and drive carefully.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$76|
|15 Years or Older||$113|
In Orange Park, the cheapest vehicles to insure are by and large SUVs, with drivers paying around $98 per month for insurance coverage.
Car owners can expect to pay an average of around $114 a month for their policy, while truck and van drivers are usually around $113 to insure each month.
Your rates can also vary depending on your vehicle's age. Newer vehicles are generally going to be the most expensive to insure. However, once your car is around 5 years old, you might start to see your rates slide back down slightly. In Orange Park, vehicles eight-to-ten years old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$110|
Overall, those who have settled down into marriage will pay slightly less for car insurance coverage. This usually happens because companies will award special discounts to policyholders with multiple vehicles that are on the same policy.
According to the table above, the difference in rates based on relationship status in Orange Park can be as much as $5 a month, so it's worth taking into consideration.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$133|
Your housing situation is another factor that affects your monthly rate. If you rent your home or apartment, expect to pay around $26 a month more than if you own your own home in Orange Park. But if you live with your parents, you can expect to pay a lot more.
Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your car insurance costs.
Car Insurance Companies in Orange Park, FL
Recent trends in car insurance for Orange Park drivers
Given that average rates are often changing, it's a smart move to know the direction your area is trending before shopping for coverage.
The rates for car insurance in Orange Park declined from 2017-2019, before increasing from 2020-2021. They finished down in 2022 at $82.
How does Orange Park compare to neighboring areas?
Why are car insurance rates in Orange Park different from other areas?
There are a lot of factors car insurance companies will consider when deciding how much to charge for a monthly rate. While we mentioned the factors that affect your personal policy, others are based around where you park your car. These include things like:
- Regional crime rates
- Road Safety (total number of local car accidents)
- Community laws
- Availability of off-street parking
- Amount of drivers in the area
Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. Each area will have different rates. Guides like these are a wonderful place to get started.
How can I find the cheapest car insurance in Orange Park?
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.
Luckily, Compare.com does all of that work for you. Simply enter your ZIP Code below, answer a few questions about you and your car, and you'll be comparing the cheapest quotes from dozens of car insurance companies providing auto coverage 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?
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, local laws, and parking situations 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 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 Orange Park 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.