Orange Park, FL Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Orange Park, 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 Orange Park, 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.
- Orange Park, FL Auto Insurance Rates
- Orange Park, FL Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Orange Park, FL
- Multi Vehicle Insurance Savings in Orange Park, FL
- How Credit Score Affects Car Insurance Rates in Orange Park, FL
- How DUI Affects Auto Insurance Premiums in Orange Park, FL
- Top Auto Insurance Agents Near Orange Park, FL
- How Driving Violations Affect Auto Insurance Rates in Orange Park, FL
- Orange Park, FL Auto Insurance Discounts on Anti Theft Feature
- Orange Park, FL Auto Insurance Company Reviews
Orange Park, FL Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Orange Park, FL with that of other cities in and around Orange Park.
| Orange Park | Fruit Cove | Lakeside | Asbury Lake | Oakleaf Plantation | Penney Farms | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,332 | $1,922 | $2,137 | $2,179 | $2,192 | $2,158 |
Orange Park, 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 Orange Park, 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) |
|---|---|---|
| Orange Park | $2,576 | $2,176 |
| Fleming Island | $985 | $832 |
| Lakeside | $1,783 | $1,506 |
| Bellair-Meadowbrook Terrace | $2,464 | $2,081 |
| Asbury Lake | $1,744 | $1,473 |
| Oakleaf Plantation | $1,098 | $927 |
| Fruit Cove | $1,902 | $1,607 |
| Penney Farms | $1,710 | $1,444 |
Orange Park, FL Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Orange Park, 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 | $4,322 |
| 20 Years | $1,711 |
| 30 Years | $1,318 |
| 40 Years | $1,268 |
| 50 Years | $1,175 |
| 60 Years | $1,191 |
| 70 Years | $1,386 |
Orange Park, FL Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Orange Park, 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 | $2,318 | $346 |
| 3 Vehicles | $3,477 | $519 |
| 4 Vehicles | $4,635 | $693 |
Savings on 2 Vehicles bundle:$346
Savings on 3 Vehicles bundle:$519
Savings on 4 Vehicles bundle:$693
Orange Park, 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 Orange Park, FL.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Orange Park | $1,332 | $2,085 |
| Fleming Island | $2,246 | $3,515 |
| Lakeside | $2,137 | $3,345 |
| Bellair-Meadowbrook Terrace | $2,084 | $3,262 |
| Asbury Lake | $2,179 | $3,410 |
| Oakleaf Plantation | $2,192 | $3,431 |
| Fruit Cove | $1,922 | $3,008 |
| Penney Farms | $2,158 | $3,377 |
Orange Park, 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) | $1,143 |
| Excellent (740-799) | $1,305 |
| Good (670-739) | $1,388 |
| Average (580-669) | $1,811 |
| Poor (300-579) | $2,173 |
Orange Park, 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 |
|---|---|---|---|
| Roderick Crabbe | Allstate | 1123 Kingsley Ave, Orange Park, 32073 | (904) 215-2121 |
| Garland Jan Smith | Allstate | 8553 Argyle Bus Loop Ste 2, Jacksonville, 32244 | (904) 777-9494 |
| Chris Bedford | State Farm | 3943 Baymeadows Rd Ste 1, Jacksonville, 32217-4636 | 904-730-4300 |
| Matthew Heck | Allstate | 12276 San Jose Blvd Ste 603, Jacksonville, 32223 | (904) 292-0102 |
| Connor Seth | Liberty Mutual | 11112 San Jose Boulevard Suite 32, Jacksonville, 32223 | 1-904-268-0503 |
| Frank Butterfield | GEICO | 1600 Park Avenue Suite 2, Orange Park, 32073 | (904) 264-1223 |
| Surety Markets, Inc. | None | 4033 San Servera Drive N, Jacksonville, 32217 | None |
| We Insure Florida Inc | None | Po Box 23865, Jacksonville, 32241 | None |
Orange Park, 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 | +$59 | $1,391 |
| Driver's Failure In Showing Documents | +$129 | $1,461 |
| Driving With An Expired Registration | +$137 | $1,469 |
| Driving At A Considerably Slow Pace | +$289 | $1,621 |
| Using A Cellphone While Driving | +$305 | $1,637 |
| Running A Red Light | +$310 | $1,642 |
| Speeding | +$326 | $1,658 |
| Driving A Vehicle Without The Required Permission | +$414 | $1,746 |
| Driving With An Expired/Suspended License | +$898 | $2,230 |
Orange Park, 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 | $1,279 |
| Active Disabling Device | $1,279 |
| Tracking Device | $1,252 |
| Passive Disabling Device | $1,239 |
Latest Auto Insurance Reviews in Orange Park, FL | Back to Top
GeicoI have had limited interactions with the insurance company but the enrollment process was easy and fast.
UsaaI would recommend USAA because it is cost effective and provides a good amount of coverage options without the usual "tips" and "tricks".
ProgressiveThe deductible for my car insurance is a bit higher, but this is because I opted for a lower payment. The deductible is fair for the discount I receive each month.
State FarmGiven the good service and support I have received over the years I would not hesitate to go to recommend State Farm to friends and neighbors.
MetlifeI pay about $3,000+ a year with a $1,500 deductible I know that there are cheaper insurance companies out there however I like the value MetLife gives.
GeicoI like GEICO because I trust them to do what they promise. I have never had a problem with a claim and am completely satisfied with their services.
GeicoGeico is cheaper than other companies, but I still feel that my rate should be a little lower considering that I have a perfect driving record.
Geicowhat I like most about the company is the rates and friendly customer servive, I feel they are fair and very friendly.
Horace MannVery low premium compared to any others that I have seen. I have full coverage and do not desire to look in to any other companies.
Liberty Mutualthere is no comparison since both give what we expect from her and give that security that we are so looking for
Horace MannWe were referred to Horace Mann by our mortgage broker while purchasing a new home. As our property lies upon ancient native tribal lands, we were eligible for USDA financing and special considerations for certain lines of insurance coverage. This included a substantial discount for our auto coverage as well. No other company came close to the provisions and discounts we found with Horace Mann. We saved over $1200 on annual previum costs.
GeicoI sound like I am repeating but I like the premiums, I like the service, and I like the accessibility of communication.
Geicovery easy to get rate quotes and to understand the policy breakdown. Was able to customize all my options to lower my rate
State FarmThe coverage seems fine, I've never had an accident, but my rates are obscene given my driving history and the type of car I drive. The customer service has gone rapidly downhill as well.
Citizens Property InsuranceCosts are always going up. At least once a year I have an added cost added to my bill and have to call and have them correct it. It gets frustrating at times.