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How much is car insurance in Jacksonville?
|Area||Average Monthly Car Insurance Premium|
Auto insurance coverage in Jacksonville is about $12 cheaper than it is in the rest of Texas.
Drivers relocating from out of state may enjoy some cost savings in Jacksonville. Car insurance rates for the U.S. as a whole are, on average, $28 more expensive than the rates you'd pay in Jacksonville.
While these numbers are the average rates for auto insurance in Jacksonville, that doesn't mean it's what you'll pay. The monthly rate that insurance companies end up charging you is determined by a variety of factors. Your bill each month 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 exactly you might be asked to pay. And if you're not certain that you're paying the lowest option, simply enter your ZIP below and find out in just minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
Generally, the older you are, the more experienced you are on the roads, right? When it comes to auto insurance rates, that experience can help put some change back into your pocket. As you can see, 18-24-year-olds pay $41 more than drivers of retirement age.
Every ten years or so you can expect to see a decline in your monthly premium. Once you hit retirement, however, you may see your rates start to rise again in Jacksonville.
Average Car Insurance Rates by Gender
Although women typically pay less than men do for car insurance coverage, this is not the case in Jacksonville, where female drivers pay around $55 per month while male drivers pay about $49.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|Multiple Tickets||Not Enough Data|
Rates can vary wildly depending on your driving record. Those with clean records can expect to pay a lot less than those with infractions. Drivers in Jacksonville with one accident will pay around $80 a month. Likewise, drivers with one ticket will be looking at a rate of around $108 a month on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$30|
|15 Years or Older||$47|
If you look at the first table above, you'll see that trucks and vans are by and large the cheapest vehicles to insure in Jacksonville, with drivers paying around $49 per month for insurance.
SUV drivers will see rates of about $57 for insurance coverage, while car owners usually pay around $51 a month.
You may also see different rates based on the age of your vehicle. Generally, the most expensive vehicles to insure are going to be newer ones. Once your car is a few years old, however, you may see your rates begin to drop back down. The most expensive vehicles to insure in Jacksonville are vehicles two-to -three years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$52|
More often than not, people who are married will pay slightly less to insure their car. This oftentimes is a result of owning multiple vehicles that are on the same policy, something many companies offer special discounts for.
On a national scale, single drivers typically pay more than married couples do for auto insurance. Jacksonville is no exception, with the difference totaling to around $4 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$69|
Another factor taken into consideration is your living situation. Renters can expect to pay around $3 a month less than homeowners in Jacksonville. But if you live with your parents, your rates will be significantly higher.
Depending on your insurance company, they may offer you a discount if you bundle your home or renters insurance with your auto policy.
Car Insurance Companies in Jacksonville, TX
Recent trends in car insurance for Jacksonville drivers
Given that average rates are often changing, it's a smart move to know the direction your area is trending before picking an insurance policy.
In Jacksonville, the rates for auto insurance rose from 2016-2017, when they reached a high of $58, but began to decrease from 2018-2020. They finished up in 2021, at $104.
How does Jacksonville compare to neighboring areas?
Why are car insurance rates in Jacksonville different from other areas?
There are a variety of factors car insurance companies will consider when deciding how much to charge for a monthly rate. The price of your insurance policy will depend largely on where you live and drive and will be influenced by things such as:
- Frequency of car accidents
- Regional crime rates
- Amount of drivers in the community
- Community laws
- Availability of off-street parking
Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. Knowing 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?
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. Just type in your ZIP Code below, answer a few questions about you and your car, and you'll be comparing the cheapest quotes from loads of the car insurance companies providing auto coverage in Jacksonville.
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 age and gender, but also factors like your driving record, address, credit score, marital status, as well as your vehicle's year and make and model.
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?
No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, 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?
Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart 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?
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.