To find the best rates for different drivers, MoneyGeek analyzed the cheapest rates by amount of coverage and driving history. Jacksonville's ranking compared to the 300 most populated cities in the United States can have a significant impact on premium costs. This is when liability-only insurance or even minimum state coverage may be your best option for the lowest possible prices. Insurance costs vary depending on where you live, your age, your driving history, and the type of car you drive.
Full-coverage car insurance, on the other hand, provides additional safety in the event of an accident by helping to cover the costs of car damage. A full-coverage auto insurance policy usually includes collision and comprehensive coverage, in addition to the amounts of liability coverage required by the state. Comprehensive and collision coverage is included in both insurers' premiums for full-coverage car insurance. In addition to each driver's needs and history, location-specific factors, such as personal injury protection coverage requirements and the percentage of uninsured motorists, also contribute to car insurance rates in Jacksonville.
Policygenius can help you determine which companies have the cheapest rates so you can compare coverage and find the policy that's right for you. Given the high average price of car insurance with full coverage, it can be tempting to have minimal coverage to lower your car insurance bill. With different safety features, crash test scores, repair costs and other factors, the type of vehicle you drive will affect your car insurance rates in Florida. Each insurance company has its own formula for setting rates, so you can get very different rates from two companies for the same coverage.
Like most states, Florida requires drivers to have a minimum level of certain types of auto insurance coverage to drive legally. A traffic violation, such as a speeding ticket or a DUI, can significantly affect the cost of auto insurance in Jacksonville. Having a DUI costs about 63 percent more, while an accident could increase rates about 38 percent above the average cost of car insurance in Florida. Criteria such as age, driving history, credit history, the city in which you live, the coverage you choose and the type of vehicle you drive influence the amount of your car insurance in Florida.