Cheap Auto Insurance Quotes in Jacksonville, FL (2021)

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As we work together to slow the spread of COVID-19, state insurance commissions and insurance providers are constantly changing regulations and practices surrounding monthly payments, claim payouts, and more. To stay up to date with the latest on auto insurance reimbursements in your area, be sure to check with your state’s insurance commission and your current auto insurance provider.

If your driving habits have changed due to COVID-19, find a new, cheaper, ready-to-buy auto insurance policy on Insurify by comparing dozens of quotes at once.

According to a popular driving app, Jacksonville is the second-worst city to drive in across the entire nation! While major metropolitan areas like New York City or Los Angeles might seem stressful to navigate, Jacksonville is regularly subject to road closures, traffic at all hours, and tolls that can slow down those who aren’t familiar with them. When driving in this part of Florida is so stressful, the last thing you need is to worry about car insurance. It’s crucial for residents here to enroll in robust auto coverage because an accident can happen at a moment’s notice.

Car Insurance in Jacksonville, FL

The average cost of Florida car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Jacksonville, FL to find you the cheapest quotes in the area.

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Cheapest Car Insurance in Jacksonville, FL

Here are the cheapest carriers in Jacksonville for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance.

Best Car Insurance in Jacksonville, FL

The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated carrier reviews. The following are the top rated carriers that offer car insurance in Jacksonville. For the complete list, see Insurify's best car insurance companies.

Average Car Insurance Cost

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Jacksonville, FL Driving Facts

Minimum Car Insurance Requirements in FL

All motor vehicles operated or parked on Florida roadways are required to be insured. Proof of insurance must be carried in your car at all times and must available when:

  • Requested by law enforcement
  • Renewing vehicle registration
  • The vehicle is involved in a car accident

The Minimum Liability Insurance Requirements for Private Passenger Vehicles are as follows:

  • $10,000 no-fault or personal injury protection (PIP) insurance

Bodily injury liability coverage protects drivers if their car is involved in an accident that harms another individual. The minimum limits required by Florida state is $10,000.  In the case of an accident, liability coverage can aid perpetrators with costs involved in a legal proceeding as a result of a crash. Bodily injury coverage is part of the minimum coverage required by Florida law.

  • $10,000 property damage liability (PDL) insurance

The state minimum amount of property damage liability coverag  required in the state of Florida is $10,000. If an insured driver is determined to be at fault and held liable in a motor vehicle accident, this coverage pays for damage repair to another individual’s property. Property damage coverage will also pay for legal costs if an insured driver is involved in a lawsuit following an accident, up to the declared coverage limit.

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Jacksonville, FL DMV Information

Once a small town, Jacksonville is now home to nearly one million people. Thankfully, drivers have seven DMV offices to choose from when they need to renew their registration, licenses, and more. All locations are open Monday through Friday from 8:30 a.m. to 4:30 p.m., with a nearby location in Neptune Beach.

Public Transportation in Jacksonville, FL

Those looking to explore Jacksonville while on vacation, along with residents who prefer to go without a vehicle, will find no shortage of transportation options. Walking and biking are popular in the downtown area, while busses and shuttles can take you just about anywhere you need to go. If you live near the beach, take advantage of a Beach Buggy, a free electric cart service designed for short trips. A river ferry is also available, as well as rideshare options like Uber and Lyft.

Conclusion: How to get the best and cheapest car insurance in Jacksonville, FL

Before you hit the road in Jacksonville, it’s important to make sure you have plenty of time to get to your destination and have a plan for your route. Due to the regularly changing road conditions in the area, many residents rely on GPS apps to ensure they stay safe on the road.

Driving in this part of Florida doesn’t have to be stressful, however, if you have great car insurance. If you’re looking for a new policy or simply want to see how your coverage compares, head over to Insurify. You just might find a better level of coverage for less than you’re paying now.

Insurify Rankings

Using a proprietary dataset of over 1.6 million car insurance shopper applications, the data scientists at Insurify have run various studies on driver behavior across geographical locations, age ranges, motor vehicle registration, and other variables all related to auto insurance coverage.

We’ve been able to determine the speediest cities in the nation, the most popular cars among age groups, and the occupations with the worst drivers, among other insightful reports. We’ve also launched annual awards campaigns to congratulate the communities across the country who have excelled in environmentally friendly initiatives, educational attainment, and other areas.

Here's how Jacksonville stacks up for the state of Florida:

toyota
Toyota Camry
Most Popular Car in
Jacksonville, FL
suspended licenses
#11
Cities with Most
Suspended Licenses Rank

FAQs - Jacksonville, FL Car Insurance

Is auto insurance expensive in Jacksonville?

While rates tend to be lower than the rest of the state, Jacksonville drivers find that they do pay more than the national average. This is partially due to the minimum coverage requirements set forth by the state.

Can I drive in Jacksonville without insurance?

It’s illegal to drive anywhere in Florida without auto coverage, and Jacksonville is particularly strict. Your first offense will result in the suspension of your license and registration for up to three years.

Where can I buy auto coverage in Florida?

In addition to national insurance carriers, Jacksonville has a plethora of local auto insurance agents you can work with. It’s best to compare prices before you enroll in any policy, and with Insurify, you can find real-time quotes in just a matter of minutes.