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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.
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.
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.
| Cheapest Companies | Quotes |
|---|---|
 Progressive | $101/mo |
 State Farm | $204/mo |
 Direct Auto | $217/mo |
 Liberty Mutual | $226/mo |
 Travelers | $227/mo |
| Best Companies | Quotes | |
|---|---|---|
 American Family | $338/mo | |
 Safeco | $250/mo | |
Liberty Mutual | $315/mo | |
 Mercury | $324/mo | |
Travelers | $267/mo |
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:
The Minimum Liability Insurance Requirements for Private Passenger Vehicles are as follows:
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.
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.
Insurance companies in Jacksonville know that as people age, not only do they tend to get wiser, but they’re also likely to be better drivers and less expensive to cover. People aged 60 above get to enjoy the lowest rates of all motorists, while those who are under the age of 20 pay the highest premiums at $559. Those who are over 20 enjoy savings of about $220 and will continue to pay lower and lower premiums as they get older.
| Driver's Age | Avg. Monthly Cost |
|---|---|
| teens | $560 |
| 20s | $333 |
| 30s | $289 |
| 40s | $313 |
| 50s | $279 |
| 60s | $238 |
| 70s | $240 |
| 80s | $247 |
| Driving History | Avg. Monthly Cost |
|---|---|
| No Violation | $284 |
| Speeding Ticket | $344 |
| At-Fault Accident | $354 |
| Failure to Stop for Red Light / Stop Sign | $376 |
Safety on the road is key in Jacksonville, as your insurance premiums can soar after adding an accident or violation to your driving history. Drivers with a clean record pay around $283 for coverage and can expect to pay about $60 more a month after receiving a speeding ticket. An at-fault accident raises rates even higher to $353, and if you fail to stop at an intersection, get ready to have your premiums rise to an average of $375.
Jacksonville residents will find that their credit score doesn’t play a huge role in their car insurance premiums, although there can be some cost savings for those with the best credit possible. Drivers with poor credit are typically charged $315, while those with average and good scores pay $304 and $302, respectively. At $247, the rates are the best in the area for motorists with excellent credit.
| Credit Tie | Avg. Monthly Cost |
|---|---|
| Excellent | $248 |
| Good | $303 |
| Average | $305 |
| Poor | $316 |
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.
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.
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.
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:
