Jacksonville, TX Car Insurance

On average, Jacksonville drivers pay around $52 a month for their car insurance. Check out our guide below to find out how much you'll pay.
How much can residents of Jacksonville expect to pay for their car insurance? Compared to their surrounding area, how do rates in Jacksonville stack up? What about against the rest of Texas? You can see the cost breakdowns and contributing factors in the charts and writeups below:  

How much is car insurance in Jacksonville?

Area Average Monthly Car Insurance Premium
Jacksonville$52
TX$65
United States$81

According to the chart above, the average cost of auto insurance in Texas is about $13 a month more expensive than it is in Jacksonville.

Drivers relocating from out of state may enjoy some cost savings in Jacksonville. On average, it's about $29 less to insure your vehicle in Jacksonville than it is in the rest of the United States.

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. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in figuring out your monthly premium.

We've done the heavy lifting for you and broken down the average rate for Jacksonville so that you can get a more accurate idea of what you might pay. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP Code below to learn more about rates in your area!

See what you'll pay in just minutes

Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$89
25-34$46
35-44$49
45-54Not Enough Data
55-64$47
65+$47

The longer you've been behind the wheel, the more experienced of a driver you are. That experience can lead to some serious savings when it comes to car insurance bills. As you can see, 18-24-year-olds pay significantly more than someone who is retirement aged.

You can expect to see your monthly premium drop about once a decade or so. Once you hit retirement age, however, you may see your rates start to rise again in Jacksonville.

Average Car Insurance Rates by Gender

Gender Average
Male$48
Female$55

Despite the national trend of women paying less than men for car insurance coverage, in Jacksonville men actually pay $48 per month for coverage while women pay $55.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$79
Multiple Accidents$47
1 Ticket$80
Multiple Tickets$68

Depending on your driving record, your rates can vary wildly. Those with fewer accidents and tickets will pay significantly less than those with multiple infractions, while those with clean driving records will obviously pay the least. Drivers in Jacksonville with a single accident will pay around $79 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $80.

When it comes to your monthly premium, accidents, tickets, and other driving infractions can really take a toll. Remember, cheap car insurance rates are dependent on driving safely and keeping your record clean.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$30
2-3 Years$61
4-5 Years$50
6-7 Years$46
8-10 Years$59
11-14 Years$52
15 Years or Older$47

According to the first table above, the cheapest vehicles to insure in Jacksonville are usually trucks and vans, at $48 per month.

Car owners, on the other hand, typically pay around $52 per month, while SUV drivers can expect to pay about $58 a month for auto insurance coverage.

Your vehicle's age can also affect your monthly bill. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is a few years old, you might start to see your rates slide back down slightly. In Jacksonville, vehicles two-to -three years old are the most expensive to insure.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$53
Married$55
Divorced$48
Widowed$48

Generally speaking, those who are currently married will pay slightly less to insure their car. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.

Although single drivers normally pay more for auto insurance than married couples do, the rates for both groups in Jacksonville are about the same.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$54
Rent$49
Live with parents$69

Another factor taken into consideration is your housing situation. If you rent your home or apartment, expect to pay around $5 less than drivers who own property in Jacksonville. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.

Bundling your home or rental insurance with your auto insurance can oftentimes reduce your average costs, depending on your insurance company.

Car Insurance Companies in Jacksonville, TX

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 choosing when and where to shop.

The rates for car insurance in Jacksonville had been decreasing from 2017-2020, before steadying out in 2021. They finished down in 2022, at $53 per month

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 numerous factors when deciding how much to charge for a policy. The specifics of where you live will have an impact on your personal policy. This might include things like:

  • Availability of off-street parking
  • Total number of drivers in the area
  • Regional laws
  • Road Safety (total number of local car accidents)
  • Rate of crime

You can't change these factors yourself, but they're something to take into consideration when shopping for a new policy or looking to move into an area. 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 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 type in your ZIP below, respond to a few questions, and you'll be comparing the cheapest quotes from loads of the car insurance companies offering plans in Jacksonville.

Compare the cheapest quotes from dozens of insurance companies

Jacksonville Insurance FAQs

What factors affect car insurance quotes in Jacksonville?

Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your gender and age, but also factors like your marital status, credit score, address, and driving record.

Why is the cost of car insurance in Jacksonville different from other neighboring cities?

Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like crime rates, local laws, and parking situations -- which can vary from city to city -- can significantly affect your rate.

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?

Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.

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.

Find your best rate in just a few minutes