The best way to save on car insurance is to compare the rates of as many companies as possible, selecting the car provider you receive the most from. Many or all of the products shown here are from our partners who compensate us. This affects the products we write about and where and how the product appears on a page. However, this does not influence our evaluations.
This is a list of our partners and this is how we make money. Jacksonville is located at the intersection of I-95 and I-10, making the city easy to get around and a great road trip destination for much of the Southeast. You can drive to the museums and nightlife of downtown Jacksonville, or go to the farmer's market or a brewery in the Rail Yard district. And no sunny day in Jax would be complete without visiting one of the city's beaches.
But before you set out on an adventurous day in Florida, you'll need car insurance to get around legally. NerdWallet has analyzed car insurance rates in Jacksonville to provide you with a baseline that you can use on your shopping trip. Since car insurance rates are calculated based on factors such as your zip code and driving history, you'll want to compare quotes from at least three insurers to find the most affordable policy for you. Read on to find out how auto insurance companies in Jacksonville compare.
You can also check out our list of the cheapest auto insurance companies across the country. The cheapest car insurance companies in Jacksonville The cheapest companies and rates in Jacksonville by driving history The most important variable in the cost of your insurance will be the company you choose, so you'll want to compare prices to make sure you're getting the best rate. In Jacksonville, these are the cheapest car insurance companies based on average rates for a 35-year-old driver with good credit and a clean driving record, according to NerdWallet's most recent analysis. It's important to remember that rates are determined on an individual basis, so these may not be the cheapest companies for you.
If you're looking for cheap car insurance in Jacksonville, Florida, you'll want to compare prices and quotes from several companies. Insurers use a variety of factors to determine the cost of car insurance, such as your age, address, the type of car you drive and your driving history, meaning that, ultimately, each driver will receive a different rate. That's why comparing prices is the best option for getting the cheapest car insurance in Jacksonville or anywhere else. Easily compare personalized rates to see how much switching to car insurance could save you.
Regardless of which company you're currently taking out car insurance from, remember that it's important to compare prices and quotes from several companies. Prices and offers change over time, and you may be able to save by switching to another insurer. You could easily tell that the cheapest company for you changes as you age. Here's a breakdown of prices in Jacksonville for similar drivers of different ages, based on NerdWallet's most recent analysis.
At age 35, your car insurance rates should stabilize. This is a good age to compare rates, as the cheapest insurance company you found when you were 20 may no longer be the best deal. At age 60, your car insurance rates are about as low as they could be if your record is clean. Most drivers in this age group have a lot of experience on the road and an established driving record, so insurers know what they're getting into and charge less accordingly.
That doesn't mean you can't save money by accumulating or taking advantage of other discounts, so keep looking. Below are the cheapest companies, on average, in Jacksonville, according to the most recent NerdWallet analysis:. Your driving record also plays an important role in your car insurance rate. Drivers with clean records tend to pay less than those who have accidents, speeding tickets, or other violations.
Once again, comparing insurance companies is your best bet for getting the lowest rate. According to NerdWallet analysis, these are the average rates in Jacksonville per company for good drivers and those with violations in their history. Drivers without any marks on their background will almost always pay the lowest prices for car insurance compared to drivers with an accident or driving violation. Insurers set rates based on the potential risk of you filing a claim, and good drivers are considered to be among the least risky.
Here are the average rates for good drivers in Jacksonville, according to NerdWallet's most recent analysis. Drivers with a DUI may struggle to find affordable insurance and may have to turn to a high-risk auto insurance company. A DUI on your record means you should expect to pay substantially more than a driver without one. If you're at fault for an accident on your record, you'll pay more than a driver with a clean record, but probably less than someone with a DUI.
Your insurance company may ask you for details about the accident to determine your rate: an accident involving a fender is likely to be treated differently than an accident caused by passing a red light. These are the cheapest average rates for drivers with an at-fault accident in their history in Jacksonville, according to NerdWallet's most recent analysis. Florida differs from other states because its insurance requirements do not include bodily injury coverage. You'll save money by opting for minimum-coverage policies, but you'll run the risk of not being fully covered if you don't have collision and comprehensive insurance.
Contact insurance companies for an individualized quote to compare when you buy car insurance. Friedlander said that one of the most important trends in auto insurance discounts is called usage-based insurance or telematics. Young drivers, and those just starting to drive, may be more likely to be involved in an accident, so insurance companies often charge higher premiums to these drivers to compensate for their greater risk. Friedlander said that a common mistake about looking for the best price is using an insurance agent.
Because insurance coverage for inexperienced drivers can cost much more than average, you can consider other options to manage this expense. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable. Insurance rates are higher in Florida than in other states because of simulated accident plans, insurance-related litigation, and the severity of accidents, among other reasons. They charge a commission or insurance companies pay them a commission when they sell a policy, they don't charge you, so you, as a consumer, it's a free service.
Since Jacksonville is a densely populated city, drivers who live here may have higher-than-average insurance rates, so many drivers opt for the minimum coverage option to keep their expenses low. If you have a history of accidents, it's important to look for the insurer with the lowest increase in your average annual premium after an accident claim. .