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Cheapest Car Insurance Rates in Jacksonville, florida

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Driving Conditions in Jacksonville, florida

At White Chip Insurance we understand the importance of finding the best carriers for our clients.

113Rainy Days a Year
52 in.Average Annual Rainfall
0 in.Average Annual Snowfall

Jacksonville, florida Car Insurance Rates by Provider

With a variety of car insurance providers to choose from in Jacksonville, Florida, such as, Geico, Progressive, State Farm, Allstate, and USAA, it is crucial to compare rates and coverage options to ensure you are receiving the best policy possible. White Chip Insurance has existing relationships with each of these carriers and is able to ensure you will be quoted the cheapest car insurance rates in all of Jacksonville.

ProviderAverage Annual Rate
State Farm$1,679
GEICO$1,966
Progressive$2,744
Allstate$3,153

Jacksonville, florida Car Insurance Rates by Age

In Jacksonville, Florida, car insurance rates can vary depending on the age of the driver. Most insurance companies require younger drivers to pay higher premiums than older drivers becuase of the risk that is associated with new drivers. White Chip Insurance is committed to providing fair insurance rates to all drivers, despite their age.

AgeAverage Annual Rate
16-19$6,471
20s$2,894
30s$2,235
40s$2,187
50s$2,047
60s$2,093
70s$2,560

Jacksonville, florida Car Insurance Rates by Gender and Marital Status

Although most insurance companies in Jacksonville are not gender biased when determining rates, it can still happen. There are laws against gender biases, but you will often still find that female drivers pay slightly more than married drivers, and widowed or divorced drivers will pay slightly more than single and married drivers. White Chip Insurance will be an ally in the process of finding the best insurance policy for you and will work through these biases to find the one that is most affordable.

Gender and Marital StatusAverage Annual Rate
Married$2,143
Divorced$2,245
Widowed$2,197
Female$2,281
Male$2,245
Single$2,143

Jacksonville, florida Car Insurance Rates by Driving Record

Driving records are a huge consideration for insurance companies when it comes to determining rates. A clean driving record can lend discounts and lower premiums, while a faulty driving record can, in some cases, double the cost. On average, Jacksonville, Florida offers a rate of $2,185 for a clean driving record and can go as high as $3,390 for a faulty driving record.

Driving RecordAverage Annual Rate
DUI/DWI$3,277
Reckless Driving$3,390
At-fault Accident (damages less than $1,000)$3,096
At-fault Accident (damages greater than $2,000)$3,096
Speeding Ticket (16-20mph over speed limit)$2,792

Jacksonville, florida Car Insurance Rates by Credit Score

Credit score is often taken into consideration when determining car insurance rates. Generally, the higher the credit score, the lower the car insurance rates. Since car insurance companies take into account an individual's financial history when determining rates, those with higher credit scores may be seen as more responsible and therefore may be able to access lower rates.

Low credit score? No worries - White Chip Insurance is dedicated to providing the cheapest car insurance rates in Jacksonville, Florida to drivers of all credit scores. Contact us today to learn more.

Credit ScoreAverage Annual Rate
300 - 570$4,403
580 - 669$2,743
670 - 739$2,245
740 - 799$2,040
800 - 850$1,812

Cheapest Area Codes in Jacksonville, florida

Jacksonville, Florida car insurance can be more expensive depending on where the company is located and if it's in close proximity to affluent ammenities. If the surrounding area has safe neighborhoods, top-tier education options and/or elite job opportunities, the insurance rates can be affected. The most expensive zip code in Jacksonville, Florida is 32082 with an average home value of $620,000, and the least expensive zip code is 32208 with an average home value of $173,000.

Most Expensive Jacksonville, florida ZIP Codes

32097, 32259, 32256, 32250, 32224

Least Expensive Jacksonville, florida ZIP Codes

32220, 32218, 32205, 32219, 32211

Local Amenities in Jacksonville, florida

Our team and main headquarters is located in Tampa, Florida. We have a staff of 13 licensed insurance agents that have been in the Tampa, Florida insurance business for several years. Check out some of Tampa’s most notable local amenities below.

Jacksonville, florida Car Insurance FAQs

Below you’ll find answers to some frequently asked questions regarding florida Car Insurance.

What is the average cost for car insurance in Florida?

According to the Insurance Information Institue, the average cost of car insurance in Florida is $1,939 per year. The most expensive car insurance is found in the city of Miami, with an average annual cost of $3,764. The least expensive city is Punta Gorda, with an average annual cost of $1,698. The average cost of car insurance in Jacksonville is $2,245.

Why is car insurance so expensive in Florida?

Car insurance is expensive in Florida because the state runs a high risk of natural disasters, such as hurricanes and floods, as well as a high rate of car theft. Additionally, Florida is a no fault state, meaning that drivers are personally responsible for their own medical expenses regardless of who is at fault in an auto accident. All of this leads to an increase in the cost of various insurance rates in the state of Florida.

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How much is car insurance near Jacksonville, FL?
OrlandoTallahasseeTampa
OcalaMiamiFort Lauderdale
St. PetersburgHialeahHollywood
Cape CoralPembroke PinesPort St. Lucie
Miami GardensGainesvilleCoral Springs
Lehigh AcresClearwaterPalm Bay
Pompano BeachWest Palm BeachMiramar
LakelandDavieBoca Raton
SunriseSpring HillPlantation
AlafayaFort MyersLargo
BrandonPalm Coast

Find the Cheapest Car Insurance Rates