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How much is car insurance in Jacksonville?
|Area||Average Monthly Car Insurance Premium|
You can see in the chart above that it's around $8 a month more expensive to insure your vehicle in Jacksonville than it is in the rest of North Carolina.
On the other hand, car insurance rates in Jacksonville are more affordable than the national average. Auto insurance coverage in Jacksonville is about $20 cheaper than it is for the rest of the United States.
While these numbers are the average rates for auto insurance in Jacksonville, that doesn't mean it's what you'll pay. There are a number of factors that determine how much insurance companies might charge you to insure your vehicle. 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 the average rate for Jacksonville residents based on several different factors so that you can get a more accurate idea of what you might pay. If you're not certain that you're getting the cheapest rate for your area, just enter your ZIP Code below to find out!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
It makes sense that older drivers would have more experience behind the wheel. That experience can turn into some real savings when it comes to auto insurance rates. As you can see, 18-24-year-olds pay $26 more than 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 start to rise again in Jacksonville.
Average Car Insurance Rates by Gender
While women typically pay less than men do for auto insurance, Jacksonville bucks this trend. Female drivers typically pay around $17 more per month for car insurance coverage than their male counterparts.
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 much lower rates than those with accidents or violations. In Jacksonville, having a single accident on your record will usually get you rates around $89 a month. Similarly, drivers with one ticket will typically pay around $68 on average.
Accidents, tickets, and other driving infractions can really cost you when it comes to your monthly rate. So, if cheap car insurance is something you're after, drive safely and keep a clean record.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$51|
|15 Years or Older||$48|
The cheapest vehicles to insure in Jacksonville are by and large trucks and vans, with each type typically costing about $49 per month.
Car owners will see a monthly rate of about $65, while SUV owners usually pay around $51 a month.
You can also expect to see slightly different rates depending on the age of your vehicle. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is about 5 years old, you may start to see your monthly premium drop 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)||$64|
On average, people who are married will pay slightly less for auto insurance. This oftentimes is a result of owning multiple vehicles that are on the same policy, something some companies will reward with discounts.
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 $10 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$57|
Your living situation is another factor that affects your monthly rate. If you rent your home or apartment in Jacksonville, expect to pay around $15 a month more than if you own property. But if you live with your parents, your rates will be significantly higher.
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 average premiums.
Car Insurance Companies in Jacksonville, NC
Recent trends in car insurance for Jacksonville 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 Jacksonville, auto insurance rates increased from 2017-2019, when they hit a high of $81. Rates started to turn downward in 2020, and this pattern has continued through 2022, when rates have most recently reached $46.
How does Jacksonville compare to neighboring areas?
Why are car insurance rates in Jacksonville different from other areas?
Car insurance companies will take into account a number of factors when figuring out how much to charge for a policy. Your insurance policy will depend largely on your home address and will be influenced by things such as:
- Access to off-street parking
- Regional crime rates
- Local laws
- Total number of drivers in the community
- Road Safety (how many accidents each locality has)
A decent level of familiarity with these factors can be helpful when you're ready to purchase of a new policy or thinking about making 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?
In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.
But hold on! Compare.com will handle the heavy lifting for you. Just punch in your ZIP below, respond to a few questions, and you'll be comparing the cheapest quotes from several of the car insurance companies providing auto coverage in Jacksonville.
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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 like your gender and age, but also factors like your vehicle's year, make and model, as well as your driving record, credit score, address, and marital status.
Why is the cost of car insurance in Jacksonville different from other neighboring cities?
Parking situations, local laws, 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 Jacksonville?
Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Jacksonville?
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 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.
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