Jacksonville, FL Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Jacksonville, 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.
How to Save on Car Insurance in Jacksonville, FL
The state of Florida is the 18th most affordable state in the U.S. to buy car insurance. Jacksonville is the most populous city in Florida. The U.S. Census Bureau estimates the population of Florida to be around one million. A large population inevitably means a large number of car owners. The average cost of auto insurance in Jacksonville is $1,497, which is lower than most neighboring locations such as Jacksonville East, Bellair Meadowbrook Terrace, Jacksonville North, Lakeside, and Jacksonville West. The average cost of car insurance in Jacksonville is higher than the average cost of car insurance in Florida. In such circumstances, lowering the rate of insurance would require a lot of comparison and analysis. It is common knowledge that even a minor accident on one’s driving record can increase the cost of insurance.
Jacksonville also has a relatively high rate of auto thefts. While Florida is third on the list of auto thefts in the country, Jacksonville ranks 118th on a list of 380 cities. A high rate of auto theft results in increased car insurance premiums. Demographics also play a crucial role in determining the cost of car insurance. Teenagers, in general, pay the most on car insurance, and Jacksonville is no exception. Some ways to save more on auto insurance are listed below.
Multi-car Insurance:
Car owners with multiple vehicles can improve savings by insuring all their vehicles with the same auto insurance company. Multi-car insurance policies can greatly help in reducing the cost of auto insurance. The cost of insuring two vehicles in Jacksonville is $2,575. This can help in improving savings to $419. Car owners here can save up to $838 on multi-car insurance policies.
Student Discounts:
Lots of insurance companies provide discounts to young student drivers. This also depends on a good grade point average. Some car insurance companies also provide discounts between 8-10 percent to drivers under the age of 21, called driver training discount.
Green Discounts:
With the advent of technology to help determine the cost of insurance based on miles drives, insurance companies have also started offering better discounts to drivers who drive below a certain limit, hence contributing to a reduction in emissions. Car insurance companies also provide discounts to owners who own hybrid and electric vehicles, since this contributes to the reduction in emissions as well.
While looking to lower the cost of car insurance, it is also essential to remember to strike a balance between your requirements and the cost. The cost of car insurance is influenced by numerous factors, ranging from micro-level factors such as the street one lives into macro-level factors such as the make of the car. It would also be smart to look into the best insurance companies in Jacksonville and Florida before arriving at a decision.
Factors that can influence the cost of car insurance in Jacksonville, 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.
- Jacksonville, FL Auto Insurance Rates
- Jacksonville, FL Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Jacksonville, FL
- Multi Vehicle Insurance Savings in Jacksonville, FL
- How Credit Score Affects Car Insurance Rates in Jacksonville, FL
- How DUI Affects Auto Insurance Premiums in Jacksonville, FL
- Top Auto Insurance Agents Near Jacksonville, FL
- How Driving Violations Affect Auto Insurance Rates in Jacksonville, FL
- Jacksonville, FL Auto Insurance Discounts on Anti Theft Feature
- Jacksonville, FL Auto Insurance Company Reviews
Jacksonville, FL Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Jacksonville, FL with that of other cities in and around Jacksonville.
| Jacksonville | Jacksonville East | Bellair-Meadowbrook Terrace | Jacksonville North | Lakeside | Jacksonville West | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,497 | $2,169 | $2,084 | $2,139 | $2,137 | $2,077 |
Jacksonville, 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 Jacksonville, 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) |
|---|---|---|
| Jacksonville | $1,067 | $901 |
| Duval County | $1,125 | $950 |
| Jacksonville West | $1,063 | $898 |
| Jacksonville East | $1,676 | $1,415 |
| Bellair-Meadowbrook Terrace | $2,464 | $2,081 |
| Jacksonville North | $1,019 | $860 |
| Nassau Village-Ratliff | $1,707 | $1,442 |
| Lakeside | $1,783 | $1,506 |
Jacksonville, FL Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Jacksonville, 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 | $4,858 |
| 20 Years | $1,923 |
| 30 Years | $1,482 |
| 40 Years | $1,425 |
| 50 Years | $1,320 |
| 60 Years | $1,338 |
| 70 Years | $1,558 |
Jacksonville, FL Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Jacksonville, 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 | $2,575 | $419 |
| 3 Vehicles | $3,862 | $629 |
| 4 Vehicles | $5,150 | $838 |
Savings on 2 Vehicles bundle:$419
Savings on 3 Vehicles bundle:$629
Savings on 4 Vehicles bundle:$838
Jacksonville, 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 Jacksonville, FL.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Jacksonville | $1,497 | $2,343 |
| Duval County | $1,512 | $2,366 |
| Jacksonville West | $2,077 | $3,251 |
| Jacksonville East | $2,169 | $3,395 |
| Bellair-Meadowbrook Terrace | $2,084 | $3,262 |
| Jacksonville North | $2,139 | $3,348 |
| Nassau Village-Ratliff | $2,105 | $3,294 |
| Lakeside | $2,137 | $3,345 |
Jacksonville, 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) | $1,284 |
| Excellent (740-799) | $1,466 |
| Good (670-739) | $1,560 |
| Average (580-669) | $2,035 |
| Poor (300-579) | $2,442 |
Jacksonville, 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 |
|---|---|---|---|
| New Jax City Insurance | None | 9943 Beach Blvd, Jacksonville, 32246 | None |
| Eastside Insurance Center Inc | None | 3101 N Main St, Jacksonville, 32206 | None |
| Mosley And Associates Inc | Travelers | 1249 CASSAT AVE, JACKSONVILLE, 32205 | 904-384-5535 |
| Sandi Muhich Insurance Agency, Llc | None | 2255 Dunn Ave Ste 601-A, Jacksonville, 32218 | None |
| Greene-Hazel & Associates Inc | Travelers | 10739 DEERWOOD PARK BLVD STE 200, JACKSONVILLE, 32256 | 904-398-1234 |
| Elna Coble | Allstate | 6011-8 103rd St, Jacksonville, 32210 | (904) 771-1404 |
| Vonnie Wiggins | State Farm | 11757 Beach Blvd Ste 7, Jacksonville, 32246-6633 | 904-641-0090 |
| Insurance Office Of America Inc | Travelers | 1 Sleiman Parkway St 130, Jacksonville, 32216 | None |
Jacksonville, 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 | +$66 | $1,563 |
| Driver's Failure In Showing Documents | +$145 | $1,642 |
| Driving With An Expired Registration | +$154 | $1,651 |
| Driving At A Considerably Slow Pace | +$325 | $1,822 |
| Using A Cellphone While Driving | +$343 | $1,840 |
| Running A Red Light | +$349 | $1,846 |
| Speeding | +$367 | $1,864 |
| Driving A Vehicle Without The Required Permission | +$466 | $1,963 |
| Driving With An Expired/Suspended License | +$1,009 | $2,506 |
Jacksonville, 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 | $1,437 |
| Active Disabling Device | $1,437 |
| Tracking Device | $1,407 |
| Passive Disabling Device | $1,392 |
Latest Auto Insurance Reviews in Jacksonville, FL | Back to Top
Geicocustomer is good with Progressive they alwasy explain things in details and patient
Liberty MutualThey clearly offer the bundle package, so we've taken advantage of that. I believe they do offer a loyalty discount and accident forgiveness.
American National Property And Casualty CompanyOur needs are modest,We compared prices years ago, but haven't compared rates recently, because the cost of the policy hasn't increase much over the years.
Liberty MutualI'm very satisfied with Liberty Mutual because their customer service is better and their prices are better than the other companies I've tried. I do think they are a bit difficult when it's time to make a claim, but just a bit.
Liberty MutualI'm very satisfied with Liberty Mutual because their customer service is better and their prices are better than the other companies I've tried. I do think they are a bit difficult when it's time to make a claim, but just a bit.
GeicoI like that this provider uses the web for everything(even in the old times when the internet wasn't that big as it is now) so I don't need to talk to anybody in person or over the phone for most of the situations.
GeicoI think Geico is the number one company insurance. I really am satisfied with this company. It has great customer service and very professional. They do what they promise, and you do not follow them because they really care of you and your car.
ProgressiveI believe their premium is perfectly fine, although, compared to other companies, it surely could be a little better. Still, I get that there's competition and hopefully that will make things better in the long run.
Safeco InsuranceI am quite satisfied with the service that I receive from my provider. The reps are knowledgeable and get things done for me via the phone, I get the questions answered.
UsaaI like USAA because they have great customer service, great rates, always helpful, useful app, fast response time, and world wide coverage.
UsaaI wish I would save more money. Like if I havent had any accidents or tickets I get rewarded through USAA. I don't know how, but I dish out 90ish dollars a month for what?
ProgressiveOverall, convenience and price are the two biggest reasons to choose this company. One doesn't have to go to an insurance agent and can, instead, deal directly with the company.
People's Trust InsuranceLow rates. As a senior their rates are affordable. They also have excellent customer service and road side assistance. Each time calling they are nice and help us with any questions we may have.
GeicoThey are comparable in terms of price. I think that the policy pricing is fair
UsaaThe company is always very responsive and communicative when I have an issue. They call back and check on how things are going with a repair or whatever the situation is.
AllstateA more expensive.Steadily rising rates and not much to show for it in terms of activity from us.
GeicoIt is easy to get in contact with the company, people are friendly and helpful. Everything has gone smoothly and I am saving money. No complaints thus far.