If you’re a driver in Jacksonville North Carolina, having the right auto insurance coverage is crucial for protecting yourself financially. However, car insurance can also be a significant expense especially if you’re overpaying. Finding the best car insurance quotes in Jacksonville takes a bit of research, but the effort can result in major savings.
In this comprehensive guide we’ll walk through the key factors that affect Jacksonville car insurance costs. We’ll also provide tips for getting quotes and choosing the right policy and insurer for your needs and budget. Follow along to start saving on your North Carolina auto insurance!
How Much is Car Insurance in Jacksonville, NC?
According to recent data, the average car insurance rate in Jacksonville is about $61 per month. This is slightly higher than the North Carolina statewide average of $53 per month. However, Jacksonville’s rates are still below the national average of $81 per month for car insurance.
Of course, what you’ll actually pay can vary quite a bit based on your personal risk factors. Your age, gender, driving record, credit, vehicle type and other attributes will impact your quotes. That’s why getting multiple quotes tailored to your situation is key.
Below we’ve broken down average Jacksonville car insurance rates by different driver demographics and profiles:
- Age of Driver: Rates typically range from $34/month for seniors to $60/month for those 18-24 years old
- Gender: Women average $71/month while men average $54/month
- Driving Record: A clean record gets $48/month, but multiple accidents or tickets can exceed $100/month
- Vehicle Type: Rates range from $49/month for trucks to $65/month for cars
- Homeowner Status: Homeowners pay approximately $50/month compared to $65/month for renters
As you can see, demographics like age and gender, plus your specific driving history, have a big impact on average costs That’s why getting quotes tailored to your profile is crucial
Key Factors that Influence Your Jacksonville Car Insurance Rates
Car insurance companies take many variables into account when setting your premiums. Here are some of the most important factors that can raise or lower your Jacksonville auto insurance quotes:
Driving Record – Tickets, accidents, DUIs and other violations will significantly increase your rates. However, a clean record saves you money.
Credit History – Insurers often check your credit when pricing policies. Poor credit equates to higher premiums.
Coverage Limits – The more coverage you buy for liability, collision, comprehensive, etc., the more you’ll pay.
Deductible Amount – Choosing a higher deductible reduces monthly premiums but increases out-of-pocket costs when you have a claim.
Vehicle Use – Insuring a car driven for pleasure rather than a daily commute or business will be cheaper.
Vehicle Type – Sports cars, luxury vehicles and performance models cost more to insure than family sedans and minivans.
Age – Drivers under 25 and over 70 typically pay higher premiums.
Gender – Young male drivers often have the highest rates.
Marital Status – Married drivers tend to pay less than single policyholders.
Years Licensed – Newly licensed drivers pay more than those with decades of experience.
Mileage – The more miles you drive annually, the more exposure insurers cover, so higher premiums result.
Location – Urban areas like Jacksonville may have higher rates than surrounding rural communities.
Comparing Quotes From Multiple Insurers
To find the cheapest car insurance in Jacksonville, you need to compare quotes from multiple insurers. Rates can vary significantly from company to company based on their unique risk models and pricing strategies.
Here are some top insurers providing coverage in Jacksonville and North Carolina to consider getting quotes from:
- State Farm
- Allstate
- GEICO
- Progressive
- Farmers
- Liberty Mutual
- Nationwide
- North Carolina Farm Bureau
Be sure to compare the same coverage types, limits and deductibles across each insurer’s quote. This ensures you’re making an apples-to-apples comparison.
Also note insurers use different types of discounts, so one company may offer you more ways to save based on your particular circumstances.
Tips for Saving on Jacksonville Car Insurance
Beyond shopping around, here are some other ways to reduce your Jacksonville auto insurance premiums:
- Ask about bundling discounts for adding homeowners or renters insurance
- Take a defensive driving course for a policy discount
- Increase your deductible to reduce monthly premiums
- Drop optional coverages you don’t need
- Reduce your mileage or commute distance
- Maintain good credit and check for errors on your credit reports
- Consider usage-based “telematics” programs that track driving habits
Saving just $10 or $20 per month can make a difference. And in some cases, you may find quotes that are $50, $100 or even $200 less per month than your current rate. That’s why regular comparison shopping is essential.
Choosing the Best Insurer for Your Needs
Don’t just choose the cheapest quote. Make sure to evaluate important factors like an insurer’s financial strength rating, customer satisfaction scores, claims process and extra benefits. These indicate which company may be best for policyholders like you.
For example, one insurer may offer accident forgiveness while another provides superior roadside assistance benefits. And you’ll want to choose a financially stable company with resources to pay claims.
Discuss your personal auto insurance priorities with local insurance agents as you’re comparing Jacksonville quotes. This ensures you select both the most affordable and best overall coverage.
Using an Independent Agent or Website to Compare Quotes
To simplify comparing Jacksonville car insurance rates, consider using an independent insurance agent or website. They give you the ability to get multiple quotes after entering your details just once.
Independent agents have access to quotes from various insurers. Insurance comparison websites also allow you to compare dozens of company rates quickly online.
This saves time versus contacting individual insurers directly for quotes. Independent sources can provide a full view of your Jacksonville auto insurance options.
The Bottom Line on Jacksonville Car Insurance Quotes
Finding the right policy at the lowest price involves shopping around and comparing customized Jacksonville quotes. Be sure to account for your personal risk profile and insurance needs as you’re researching options.
With some diligent research, Jacksonville drivers can uncover significant savings on high-quality car insurance. Taking the time to get multiple quotes sets you up for insurance and financial protection at the best available rate.
3 of the cheapest car insurance companies in Jacksonville
Insurance companies base your premiums on a number of factors, such as your age, driving record, and ZIP code. This means that the best auto insurance company for you will depend on your specific needs and situation.
Erie, Direct Auto, and Nationwide each stand out for certain customer needs. You should get quotes from more than one insurance company in Jacksonville, even though these are some of the best in the area. Their plans may be better for you.
| Insurance Company▲▼ | IQ ScoreThe Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.▲▼ | Full Coverage▲▼ | Liability Only▲▼ | Best For▲▼ |
|---|---|---|---|---|
| Erie | 9.0 | $63 | $41 | Customer satisfaction |
| Direct Auto | 7.3 | $106 | $53 | High-risk drivers |
| Nationwide | 8.7 | $63 | $41 | Drivers with bad credit |
- How Insurify rates insurance companies: Our editors worked on the Insurify Quality (IQ) Score and rating insurance companies for more than 350 hours. The IQ Score uses more than 15 important factors to objectively evaluate and give insurers a score. The team ranked the criteria by how important they were to the customer. For example, customer reviews and price are more important to the score than availability and ratings from third parties. We give each company a score between 1 and 10 based on five factors: how much they make, how happy their customers are, how affordable they are, how good their customer service is, and how easy it is to get in touch with them. Insurify changes ratings once a year or whenever new information comes in. Ratings from a third party: Insurify uses information from AM Best, S To get this score, Insurify looked at more than 28,000 reviews from customers of 155 different car insurance companies. We also consider third-party ratings from J. D. Power, the National Association of Insurance Commissioners, and Trustpilot. Cost: Our data scientists looked at more than 90 million real-time auto insurance rates from partners all over the U.S. S. , along with any discounts that are available, to get an affordability score. Customer service and openness: This looks at the types of coverage available, how easy it is to file a claim, and how open the insurance company is about discounts, coverages, and the claims process. When Insurify scores availability and reach, it looks at how many states insurers cover and how big the company is based on its market share.
Jacksonville car insurance quotes by credit tier
Your credit history may affect your auto insurance rates in North Carolina. [3] Many insurance companies use credit information as a factor in determining premium costs. Drivers with good to excellent credit scores may pay lower rates than drivers with poor credit scores.
Here are the average monthly quotes for insurance in Jacksonville by credit tier:
| Category▲▼ | Price▲▼ |
|---|---|
| Excellent | |
| Good | |
| Fair | |
| Poor |
10 Cheapest Car Insurance Companies in 2024
FAQ
Who has the cheapest auto insurance rates in NC?
How much is car insurance in Jacksonville?
Who typically has the cheapest car insurance?
What is the cheapest car insurance in Jacksonville?
According to our data, Direct Auto generally has the most affordable car insurance in Jacksonville coming in around $55.93 per month. Other companies to consider if you live in Jacksonville is North Carolina Farm Bureau with an average cost of $82.26 per month and Erie which typically runs around $85.50 per month. Check out the full list below.
What are the best car insurance companies in Jacksonville NC?
What are the best car insurance companies in Jacksonville, NC? With an Insurify Quality (IQ) Score of 4.6 out of 5 and an AM Best financial strength rating of A+ (Superior), Erie is the best car insurance company in Jacksonville. Of the insurers Insurify has rate data for, other top Jacksonville choices include Direct Auto and Nationwide.
Which auto insurance companies offer the cheapest car insurance quotes?
Erie and State Farm have the cheapest auto insurance quotes for new drivers with a ticket or accident on their driving record. Minimum liability coverage from State Farm costs $71 per month for an 18-year-old with a recent speeding ticket. That’s $40 per month cheaper than the North Carolina average, which is $111 per month.
Is progressive the cheapest option for car insurance in North Carolina?
Progressive has the cheapest car insurance in North Carolina for full coverage, at $61 per month. Currently insured? It’s free, simple and secure. Monthly rates based on full coverage car insurance for a 30-year-old man. Some rates use different ages or coverage limits. What are the best car insurance companies in North Carolina?