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Jacksonville, FL Car Insurance

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How Much Does Car Insurance Cost in Jacksonville?

In Jacksonville, the average car insurance cost is $2,230 annually. In contrast to the state’s average rate of $2,297, it is cheaper but more expensive than the nation’s average of $1,541. However, car insurance rates will vary per person due to the various factors insurers consider before giving a quote.  Your location, credit tier, gender, driving profile, and other factors relative to the risk of driving are closely looked into. 

 

One of the clear-cut ways to save on your premiums is to compare prices before deciding on a purchase. Look at several companies and their policies to identify the one that best fits your driving profile. Moreover, to garner better deals, finding a competent agent with a lot of experience in the field will be of great advantage.

Jacksonville Car Insurance Rates by Company

Different car insurance companies in Jacksonville have different policies and rates. State Farm offers the cheapest car insurance in Jacksonville with an average rate of $139 monthly. If you are a driver with a clean driving history, it is likely for your car insurance rates to stay on the average. 

Insurance CompanyAnnual RateMonthly Rate
State Farm$1,666$139
GEICO$1,954$163
MetLife$2,720$181
Direct Auto$2,577$215
Allstate$3,142$262

Florida Average Car Insurance Premiums For Good Drivers With Poor Credit

The driver’s credit score also impacts car insurance rates in Florida. If you belong to a poor credit tier, your auto insurance premiums can increase. However, good drivers in Florida with poor credit have the option for a cheap car insurance coverage.

Insurance CompanyAnnual RateMonthly Rate
Direct Auto$2,528$211
United Auto$3,206$267
State Farm$3,266$272
GEICO$3,911$326
Allstate$5,222$435

Jacksonville Auto Insurance Rates By Age Bracket

Your age bracket projects your driving expertise. Older drivers within the age range of 40 to 50+ garner cheaper rates in contrast to drivers in their 70s. On the other hand, teenagers are considered to be risky drivers. Thus they pay the highest amount for car insurance. On a brighter note, the insurance provider will entitle the teenager to a substantial increase on the day of their 20th birthday.

Jacksonville Car Insurance Costs Per Age Group

Age GroupAnnual RateMonthly Rate
Teenagers$6,453$538
20s$2,882$240
30s$2,222$185
40s$2,165$180
50s$2,022$169
60s$2,081$173
70s$2,550$213

Florida Cheapest Full Coverage Insurance Rates For Young Drivers With Clean Driving History

In Florida, younger drivers are seen as a risk on the road. That is why they pay the highest car insurance rates in Florida. But, if you are a young driver without any driving violation, there are many auto insurance companies in Florida that offer less expensive premiums.

Insurance CompanyAnnual RateMonthly Rate
State Farm$2,001$167
GEICO$2,487$207
MetLife$2,877$240
Allstate$3,922$327
Direct Auto$3,201$267

Jacksonville Car Insurance Premiums By Gender and Marital Status

The driver’s gender and marital status also impact the decrease or increase in auto insurance costs. It is common for married drivers to be considered more financially stable than single drivers. Thus they pay cheaper car insurance rates. Moreover, gender can also influence your premiums. Female drivers in Jacksonville pay $30 more than males. Females are seen as less skillful drivers than males. Hence, a certain increase is added to their rates.

Jacksonville Insurance Premiums by Marital Status and Gender

Marital Status/GenderAnnual RateMonthly Rate
Male$2,230$186
Female$2,260$188
Single$2,122$177
Married$2,122$177
Divorced$2,230$186
Widowed$2,188$182

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Jacksonville Auto Insurance Rate by Violation

Your driving profile has the most influence on your car insurance premiums. Maintaining a clean driving record will maintain your standing at the average scale. However, having a bad driving history will significantly increase your auto insurance rates.  Thus, it is ideal to avoid any kind of road violation to keep your rates low.

Jacksonville Car Insurance Rates For High-Risk Drivers

Driving ViolationAnnual RateMonthly Rate
DUI/DWI$3,255$271
Reckless Driving$3,380$282
At-Fault Accident (less than $1000 damages)$3,077$256
At-Fault Accident (more than $1000 damages)$3,077$256
Speeding Ticket$2,784$232

Tampa Auto Insurance Rates After an Accident or Violation

Keeping a clean driving history will substantially help in minimizing your Tampa car insurance costs. One at-fault accident can cause your premiums to increase. Even acquiring speeding tickets, and reckless driving citations are considered a risk. Thus, maintaining a good driving record in Tampa will keep your premiums low and close to the average of $2,980 per year. 

Tampa Car Insurance Rates For High-Risk Drivers

Driving ViolationAnnual RateMonthly Rate
DUI/DWI$4,376$365
Reckless Driving$4,524$377
At-Fault Accident (less than $1000 damages)$4,102$342
At-Fault Accident (more than $1000 damages)$4,102$342
Speeding Ticket$3,711$309

Florida Average Auto Insurance Costs With One At-Fault Accident

One at-fault accident will drive up your car insurance rates in Florida. Depending on the value of damages you acquired, drivers who have been in an at-fault accident are bound to pay expensive auto insurance rates. However, some car insurance companies around Florida provide less expensive car insurance premiums to high-risk drivers.

Insurance CompanyAnnual RateMonthly Rate
State Farm$2,033$169
GEICO$2,821$239
MetLife$3,237$270
Direct Auto$3,411$284
Allstate$3,962$330

Florida Average Car Insurance Rate After A Ticket

Speeding tickets might not seem like a serious offense but, in Florida, drivers will pay more on their auto insurance premiums after getting a ticket. However, some insurance companies around the state give chance to reckless drivers and offer cheap car insurance premiums.

Insurance CompanyAnnual RateMonthly Rate
State Farm$1,902$159
GEICO$2,955$246
MetLife$2,721$227
Direct Auto$3,163$264
Allstate$2,811$234

Jacksonville Auto Insurance Rates by Credit Tier

Your credit tier is another factor that may lead to either a decrease or increase in your auto insurance rates. Moving from the Poor Credit tier to the Fair can render savings on your rates for up to 59%. Keeping a good credit score will help you acquire cheaper car insurance costs.

Jacksonville Car Insurance Premiums by Credit Tier

Credit LevelAnnual RateMonthly Rate
Very Poor$4,390$366
Fair$2,727$227
Good$2,232$186
Very Good$2,025$169
Exceptional$1,800$150

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Florida Average Car Insurance Rates by Poor Credit with Minimum Coverage

Several car insurance companies in Florida provide cheap premiums for drivers with poor credit who purchase minimum coverage policies. State Farm offers the cheapest car insurance rates with minimum coverage in Florida.

Insurance CompanyAnnual RateMonthly Rate
State Farm$1,989$166
GEICO$1,955$163
United Auto$2,671$223
Direct Auto$1,298$108
Allstate$2,244$187

Jacksonville Car Insurance Cost by ZIP Code

Your location also influences the increase or decrease in your car insurance quotes. Living in areas prone to theft and accidents will render expensive auto insurance rates in Jacksonville. However, there are specific locations or ZIP codes in Jacksonville that garners the cheapest car insurance rates. Some, on the other hand, are considered high-risk; thus, drivers living in areas considered risky tend to pay a lot more for their auto insurance premiums.

Jacksonville ZIP Codes With Expensive Car Insurance RatesJacksonville ZIP Codes With Cheap Car Insurance Rates
3222032097
3221832259
3220532256
3221932250
3221132224

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Jacksonville Car Insurance FAQs

  • What are the benefits of hiring an agent in Jacksonville to find a good insurance company?

    Insurance agents are trained to look for car insurance deals that best fit your profile. They can assess all the aspects that influence your car insurance rate while identifying the company that can offer the cheapest car insurance rate.

  • Do I need to insure my car in Jacksonville with a very low market value?

    Most old car owners do not acquire physical damage coverage. Instead, they purchase car liability insurance; in any case, they engage in an accident.

  • What are the practical ways to do to garner cheaper car insurance rates in Jacksonville?

    It is best to compare prices amongst your top car insurance preferences. Then, closely look at the discounts each company is offering and identify which one provides policies and discounts that fit your driving profile.

  • What is the difference between replacement cost and actual cash value?

    Actual cash value is the depreciated amount or the actual market value of your car. Replacement cost is the money you will receive amounting to the total cost of replacement. 

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