Fernandina Beach, FL Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Fernandina Beach, 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.

Factors that can influence the cost of car insurance in Fernandina Beach, 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.

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Fernandina Beach, FL Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in Fernandina Beach, FL with that of other cities in and around Fernandina Beach.

	Fernandina Beach	Kings Bay Base	Yulee	Jacksonville North	Nassau County	St. Marys
Average Insurance Rates	$2,363	$2,520	$2,189	$2,139	$1,229	$1,657

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Fernandina Beach, 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 Fernandina Beach, 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)
Fernandina Beach	$1,443	$1,219
Yulee	$1,505	$1,271
Jacksonville North	$1,019	$860
St. Marys	$1,327	$1,121
Kings Bay Base	$2,596	$2,192
Nassau County	$1,125	$950

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Fernandina Beach, FL Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Fernandina Beach, 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	$7,668
20 Years	$3,036
30 Years	$2,339
40 Years	$2,250
50 Years	$2,084
60 Years	$2,113
70 Years	$2,459

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Fernandina Beach, FL Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Fernandina Beach, 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	$4,159	$567
3 Vehicles	$6,238	$851
4 Vehicles	$8,318	$1,134

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Fernandina Beach, 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 Fernandina Beach, FL.

Location	Average Insurance Cost	Post DUI Insurance Rate
Fernandina Beach	$2,363	$3,698
Yulee	$2,189	$3,426
Jacksonville North	$2,139	$3,348
St. Marys	$1,657	$3,029
Kings Bay Base	$2,520	$4,607
Nassau County	$1,229	$1,923

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Fernandina Beach, 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)	$2,027
Excellent (740-799)	$2,314
Good (670-739)	$2,462
Average (580-669)	$3,212
Poor (300-579)	$3,854

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Fernandina Beach, 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
Roy Byrd	State Farm	474418 E St Rd 200, Fernandina, 32034-0803	904-261-2223
Mcginty-Gordan & Associates, Fernandina Beach	None	1890 South 14Th St. 1890 South 14Th St. , Fernandina Beach, 32034	None
Morrow Fernda Bch	Allstate	1896 S 14th St Ste 5, Fernandina Beach, 32034	(904) 261-0707
Morrow Insurance Group, Inc.	None	464073 State Road 200 Unit 8 , Yulee, 32097	None
Johnson, Kendall & Johnson Inc	None	32492 Willow Parke Cir , Fernandina Beach, 32034	None

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Fernandina Beach, 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	+$104	$2,467
Driver's Failure In Showing Documents	+$229	$2,592
Driving With An Expired Registration	+$243	$2,606
Driving At A Considerably Slow Pace	+$513	$2,876
Using A Cellphone While Driving	+$541	$2,904
Running A Red Light	+$551	$2,914
Speeding	+$579	$2,942
Driving A Vehicle Without The Required Permission	+$735	$3,098
Driving With An Expired/Suspended License	+$1,593	$3,956

Fernandina Beach, 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	$2,268
Active Disabling Device	$2,268
Tracking Device	$2,221
Passive Disabling Device	$2,198

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Latest Auto Insurance Reviews in Fernandina Beach, FL | Back to Top