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How much is car insurance in Jacksonville?
|Area||Average Monthly Car Insurance Premium|
Looking at the chart above, you can see it's around $13 a month cheaper to insure your vehicle in Jacksonville than it is in the rest of Texas.
Likewise, car insurance rates in Jacksonville are often favorable when viewed against the rest of the country. It's about $28 cheaper to insure your vehicle in Jacksonville compared to the average rate for the United States as a whole.
While these are the average costs to insure your vehicle in Jacksonville, keep in mind that you could end up paying a different amount. Insurance companies weigh a variety of factors when determining how much to charge you for 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 in some cases, your credit score.
Don't sweat it however, we've broken down average rates for Jacksonville residents based on several different factors so that you can get a more accurate idea of the bill you'll see each month. And if you're not sure that you're paying the lowest option, simply enter your ZIP Code below and find out!
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Jacksonville Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
It would make sense that older drivers have more driving experience, right? That experience can snag you some serious savings when it comes to auto insurance. In this case, 18-24-year-olds pay significantly more than someone who is at retirement age.
Every ten years or so you can expect to see a decline in your monthly premium. Jacksonville drivers may see their rates creep back up once they hit retirement age.
Jacksonville Car Insurance Rates by Gender
Although women typically pay less than men do to insure their car, this is not the case in Jacksonville, where female drivers pay around $56 per month while male drivers pay about $48.
Jacksonville Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can vary wildly depending on your driving record. Drivers with clean records will pay significantly lower rates than those with accidents or violations. Drivers in Jacksonville with a single accident on their record will usually see rates around $79 a month. Likewise, drivers with one ticket will be looking at a rate of around $80 a month on average.
Jacksonville Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$30|
|15 Years or Older||$48|
If you look at the first table above, the cheapest vehicles to insure in Jacksonville are usually trucks and vans, at $48 per month.
Car owners can expect to pay an average of around $52 a month for their policy, while SUVs usually cost around $58 a month to insure.
The age of your vehicle 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.
Jacksonville Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$53|
Overall, married policyholders will pay slightly less for car insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something many companies extend special discounts for.
While married drivers normally pay less than single drivers, in Jacksonville both groups pay about the same rate.
Jacksonville Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$69|
Your housing status is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment, expect to pay around $5 less than homeowners in Jacksonville. But if you live with your parents, you 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 car insurance costs.
Car Insurance Companies in Jacksonville, TX
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.
The rates for auto 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?
There are many factors car insurance companies take into consideration when deciding how much to charge for coverage. Many factors affecting your policy are based around where you live. These factors include things like:
- Off-street parking accessibility
- Crime levels
- Road Safety (total number of local car accidents)
- Total number of drivers in the region
- Community laws
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. With the knowledge 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 particular neighborhood.
How can I find the cheapest car insurance in Jacksonville?
While getting familiar with what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
Good news! Compare.com can handle all of this for you. Put in your ZIP below, answer a few questions on you and your vehicle, and you'll be quickly comparing the cheapest quotes from many of the car insurance companies offering policies in Jacksonville.
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Jacksonville Auto 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 credit score, driving record, marital status, and address.
Why is the cost of car insurance in Jacksonville different from other neighboring cities?
Auto insurance companies consider regional factors, such as local laws, crime rates, and parking situations 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?
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?
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 Jacksonville 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.
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