Baker County, FL Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Baker County, FL, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.
Car insurance rates in Baker County, Florida, widely vary for families with young drivers
“I feel that car insurance rates are quite high in Florida and you need to shop around to see the best prices available,” an insurance holder responded to Zimlon’s survey. In a recent analysis of car insurance prices in Baker County, Florida, Zimlon calculated the difference in insurance holders’ savings between the 75th and 25th percentile premiums. The results indicate that families with young drivers have the highest savings of $5,125 (112.99%) when they choose the 25th percentile premium instead of the 75th percentile one. The second highest saving is by 25-year-old single female drivers at $1,372 (63.49%). For this study, Zimlon applies information from the Florida Office of Insurance Regulation.
Every car insurance agreement precludes a certain coverage limit and deductible value. This survey considers the following values: property damage limits of $50,000 and $100,000, comprehensive and collision deductibles of $250 and $500, a medical payment limit of $5,000, a personal injury protection limit of $10,000, and an uninsured motorist limit and bodily injury limit ranging from $25,000 to $100,000. The cars chosen as reference point for the survey are the Toyota Camry LE and Toyota Corolla LE.
The survey suggests that senior married drivers pay the cheapest premium at $670 offered by Florida Farm Bureau General Insurance. Allstate General Insurance Company quotes the median premium for this cohort at $1,250. The most expensive premium is by Direct General Indemnity Company at $3,033.
Twenty-five-year-old single female drivers incur the second cheapest premium of $1,587 by United Services Automobile Association. Allstate Fire and Casualty Insurance offers the median premium for these drivers, at $2,754. Infinity Auto Insurance quotes the most expensive premium to this cohort at $22,504.
Families with young drivers generally pay the most expensive premiums, which starts at Florida Farm Bureau’s $3,238. The median premium is by Progressive American Insurance at $5,947. Infinity Auto Insurance offers the most expensive premium at $22,504.
The following graph compares car insurance prices across driver cohorts in Baker County, Florida.
The following table compares car insurance premiums for key driver cohorts in Baker County, Florida. In addition, it lists the difference between the 75th and 25th percentile in premium rates.
| Cohort | Cheapest Car Insurance Companies in Baker County, FL | Most Expensive Car Insurance Companies in Baker County, FL | Car Insurance Companies Offering Median Premium in Baker County, FL | 25th Percentile of Car Insurance Premiums in Baker County, FL | 75th Percentile of Car Insurance Premiums in Baker County, FL | Dollar Difference between 25th and 75th Percentiles | Percentage Difference between 25th and 75th Percentiles |
|---|---|---|---|---|---|---|---|
| Families with young drivers | Florida Farm Bureau General Insurance Company ($3,238) | Infinity Auto Insurance Company ($22,504) | Progressive American Insurance Company ($5,947) | Allstate Fire and Casualty Insurance Company ($4,536) | Allstate Property & Casualty Insurance Company ($9,661) | $5,125 | 112.99% |
| 25-year-old single female drivers | United Services Automobile Association ($1,587) | Progressive American Insurance Company ($6,047) | Allstate Fire and Casualty Insurance Company ($2,754) | USAA General Indemnity Company ($2,161) | Allstate Property & Casualty Insurance Company ($3,533) | $1,372 | 63.49% |
| Senior married drivers | Florida Farm Bureau General Insurance Company ($670) | Direct General Insurance Company ($3,033) | Allstate Insurance Company ($1,250) | USAA General Indemnity Company ($1,044) | Ocean Harbor Casualty Insurance Company ($2,022) | $978 | 93.68% |
Factors that can influence the cost of car insurance in Baker County, FL are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.
- Baker County, FL Auto Insurance Rates
- Baker County, FL Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Baker County, FL
- Multi Vehicle Insurance Savings in Baker County, FL
- How Credit Score Affects Car Insurance Rates in Baker County, FL
- How DUI Affects Auto Insurance Premiums in Baker County, FL
- Top Auto Insurance Agents Near Baker County, FL
- How Driving Violations Affect Auto Insurance Rates in Baker County, FL
- Baker County, FL Auto Insurance Discounts on Anti Theft Feature
Baker County, FL Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Baker County, FL with that of other cities in and around Baker County.
| Baker County | Macclenny | North Columbia | Union County | Glen St. Mary | Raiford | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $2,098 | $2,111 | $2,031 | $2,059 | $2,045 | $2,059 |
Baker County, FL Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top
The following table makes a comparison of the variation in car insurance rates in and around Baker County, FL based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.
| Location | Low Deductible ($500) | High Deductible ($1000) |
|---|---|---|
| Baker County | $1,998 | $1,688 |
| Sanderson | $1,480 | $1,250 |
| Glen St. Mary | $1,426 | $1,204 |
| Macclenny | $1,226 | $1,035 |
| Raiford | $1,556 | $1,315 |
| North Columbia | $1,890 | $1,596 |
| Union County | $2,430 | $2,052 |
Baker County, FL Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Baker County, FL usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.
| Age of Driver | Insurance Cost |
|---|---|
| Teens | $6,808 |
| 20 Years | $2,696 |
| 30 Years | $2,076 |
| 40 Years | $1,998 |
| 50 Years | $1,850 |
| 60 Years | $1,876 |
| 70 Years | $2,183 |
Baker County, FL Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Baker County, FL can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:
| Number of Cars | Auto Insurance Cost | Total Savings |
|---|---|---|
| 2 Vehicles | $3,692 | $504 |
| 3 Vehicles | $5,539 | $755 |
| 4 Vehicles | $7,385 | $1,007 |
Savings on 2 Vehicles bundle:$504
Savings on 3 Vehicles bundle:$755
Savings on 4 Vehicles bundle:$1,007
Baker County, FL Post- DUI Auto Insurance Rates | Back to Top
Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Baker County, FL.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Baker County | $2,098 | $3,283 |
| Sanderson | $2,077 | $3,251 |
| Glen St. Mary | $2,045 | $3,201 |
| Macclenny | $2,111 | $3,304 |
| Raiford | $2,059 | $3,222 |
| North Columbia | $2,031 | $3,179 |
| Union County | $2,059 | $3,222 |
Baker County, FL Auto Insurance Rates Based on Credit Score | Back to Top
Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.
| Credit Score | Insurance Cost |
|---|---|
| Exceptional (800-850) | $1,800 |
| Excellent (740-799) | $2,055 |
| Good (670-739) | $2,186 |
| Average (580-669) | $2,852 |
| Poor (300-579) | $3,422 |
Baker County, FL Auto Insurance Agents | Back to Top
Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.
| Agent Name | Company | Agent Address | Contact Details |
|---|---|---|---|
| Wells Insurance Agency | Travelers | 1161-A SOUTH 6TH ST, MACCLENNY, 32063 | 904-259-6296 |
| Chris Bedford | State Farm | 3943 Baymeadows Road, Jacksonville, 32217-4636 | 904-730-4300 |
| Hardin Insurance Inc | Travelers | 3305 ATLANTIC BLVD STE A, JACKSONVILLE, 32207 | 904-399-1100 |
| Brightway Insurance | Travelers | 660-125 COMMERCE CENTER BLVD, JACKSONVILLE, 32225 | 888-254-5014 |
| Florida Bonds & Insurance Agency Inc | Travelers | 1547 EDGEWOOD AVE WEST, JACKSONVILLE, 32208 | 904-786-9581 |
| Homer St Clair | State Farm | 7305 Merrill Rd, Jacksonville, 32277-3726 | 904-743-7422 |
| Brightway Insurance | Travelers | 4372 Southside Blvd Ste 205, Jacksonville, 32216 | None |
| Roberts Insurance Of Middleburg | None | 2361 Blanding Blvd 2361 Blanding Blvd, middleburg, 32068 | None |
| Abercrombie Insurance Agency, Inc. | None | 1617 Atlantic Blvd, Jacksonville, 32207 | None |
Baker County, FL Auto Insurance Rates can Increase Based on Driving Violations | Back to Top
Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.
| Driving Violation | Cost Increase | Total Insurance Cost |
|---|---|---|
| Driving Without Headlights | +$92 | $2,190 |
| Driver's Failure In Showing Documents | +$204 | $2,302 |
| Driving With An Expired Registration | +$216 | $2,314 |
| Driving At A Considerably Slow Pace | +$455 | $2,553 |
| Using A Cellphone While Driving | +$480 | $2,578 |
| Running A Red Light | +$489 | $2,587 |
| Speeding | +$514 | $2,612 |
| Driving A Vehicle Without The Required Permission | +$652 | $2,750 |
| Driving With An Expired/Suspended License | +$1,414 | $3,512 |
Baker County, FL Auto Insurance Rates Based on Anti-Theft Feature | Back to Top
Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.
| Anti Theft Feature | Insurance Cost |
|---|---|
| Audible Alarm | $2,014 |
| Active Disabling Device | $2,014 |
| Tracking Device | $1,972 |
| Passive Disabling Device | $1,951 |