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How much is car insurance in Jacksonville?
|Area||Average Monthly Car Insurance Premium|
Car insurance policies across the rest of North Carolina are about $14 a month cheaper than the rates drivers pay in Jacksonville.
On the other hand, car insurance rates in Jacksonville are more affordable than the national average. Car insurance rates for the United States as a whole are, on average, $12 more expensive than the rates you'd pay in Jacksonville.
These rates provide a great starting point for understanding what to expect for your monthly payment, but there's no guarantee that this is what you will end up paying. Insurance companies weigh a variety of factors when determining how much to charge you for car insurance. Your policy's monthly price is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.
We've analyzed the average rate for Jacksonville and broken down the different factors to help you understand what your policy's monthly premium will be. And if you're not sure that you're paying the lowest option, simply enter your ZIP Code below and find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
The older you are, the more experience you're likely to have behind the wheel, right? That experience can lead to some serious savings when it comes to auto insurance premiums. As you can see, 18-24-year-olds pay two times as much as drivers 65 and older.
For every ten years older you get, you can expect to see a drop in your monthly premium. Once you hit retirement age, however, you may see your rates creep back up in Jacksonville.
Average Car Insurance Rates by Gender
Despite the national trend of women paying less than men to insure their car, in Jacksonville men actually pay $57 per month for coverage while women pay $79.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary quite a lot. Those with clean records can expect to pay significantly less than those with infractions. Drivers in Jacksonville with one accident will pay around $106 a month. Likewise, drivers with one ticket will be looking at a rate of around $55 a month on average.
Regardless of where you live, accidents, tickets, and other driving infractions can greatly increase your premium. That's why it's important to drive safely and keep your record clean so you can keep your rates as low as possible.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$52|
|15 Years or Older||$48|
If you look at the first table above, you'll see that trucks and vans are usually the cheapest vehicles to insure in Jacksonville, with drivers paying around $50 per month for insurance coverage.
Car owners, on the other hand, typically pay around $74 per month, while SUV drivers can expect to pay about $51 a month for insurance coverage.
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. Once your car is around 5 years old, however, your monthly bill may start to dip back down. In Jacksonville, the most expensive vehicles to insure are vehicles eleven-to-fourteen years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$73|
Generally speaking, married policyholders will pay slightly less for car insurance. This usually happens because companies will offer special discounts to policyholders with multiple vehicles that are on the same policy.
The cost of auto insurance in Jacksonville reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $23 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$68|
Another factor taken into consideration is your housing situation. If you rent your home or apartment, expect to pay around $24 a month more than homeowners in Jacksonville. Those who live with their parents, however, can expect to pay a lot more.
That said, if you bundle your homeowners or rental insurance policy with your auto insurance, many companies will offer you a discount to make up for it and reduce your average premiums.
Car Insurance Companies in Jacksonville, NC
Recent trends in car insurance for Jacksonville drivers
The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area when choosing your car insurance policy.
Auto insurance rates in Jacksonville dropped from 2016-2017, when they hit a low of $37. This leveled out in 2018, when they began to rise again. Rates finished up in 2021, at $83 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 already talked about the ones that affect your personal policy, others are based around your home address. These include things like:
- Rate of crime
- Local regulations
- Road Safety (frequency of car accidents)
- Number of drivers in the region
- Access to off-street parking
While you won't have the ability to change these factors yourself, they can be handy to keep in mind when seeking a new policy or considering a move. Realizing 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 corner of the world.
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 to request a quote from a car insurance company.
Don't worry, Compare.com does all of that work for you. Enter your ZIP below, answer a few questions on you and your car, and you'll be comparing the cheapest quotes from a bulk of the car insurance companies offering auto coverage in Jacksonville.
Jacksonville Insurance FAQs
What factors affect car insurance quotes in Jacksonville?
Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your gender and age, as well as your marital status, credit score, address, 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, parking situations, and local laws 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 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 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?
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.