Cheap Auto Insurance Quotes in Jacksonville, FL (2021)

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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.

Quotes by Top Carriers
Quotes ($/mo)
$101
$204
$217
$226
$227
ProgressiveState FarmDirect AutoLiberty MutualTravelers
Monthly $

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

Quotes by Top Carriers
Quotes ($/mo)
$383
$455
$482
$234
$534
$210
FloridaMiamiTampaOrlandoHialeahJacksonville
Monthly $

Click here to learn about car insurance quotes and save on your current policy.

Jacksonville, FL Driving Facts

florida

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.

Jacksonville Car Insurance Rates by Driver Age

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.

Driving History
No Violation$284
Speeding Ticket$344
At-Fault Accident$354
Failure to Stop for Red Light / Stop Sign$376

Jacksonville Car Insurance Rates by Driving and Accident History

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 Car Insurance Rates by Credit Tier

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.

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.

Find local Jacksonville agents

J P Perry Insurance Agency
3342 Kori Rd, Jacksonville, FL 32257
The Della Porta Group, Inc.
7807 Baymeadows Rd East Ste 301, Jacksonville, FL 32256
H R Insurance Services, LLC
5640-2 Timuquana Rd, Jacksonville, FL 32210
Affordable Insurance Agency LLC
9140 Golfside Dr, Jacksonville, FL 32256
Riley Insurance Services, Inc.
825 Edgewood Avenue West, Jacksonville, FL 32208
Cecil W Powell & Co
219 N. Newnan St, Jacksonville, FL 32202
All Lines Insurance Agency Inc.
4828 Blanding Blvd, Ste 1, Jacksonville, FL 32210
Insure-All Insurance Agency
1840 University Blvd S, Jacksonville, FL 32216
Bright Solutions Insurance LLC
4110 Southpoint Blvd Ste 103, Jacksonville, FL 32216
Greene Hazel Insurance Group, a Division of HUB International Florida
10739 Deerwood Park Blvd Ste 200, Jacksonville, FL 32256

Insurify Insights: How Jacksonville Drivers Measure Up

toyota
Toyota Camry
Most Popular Car in
Jacksonville, FL
suspended licenses
#13
Cities with Most
Suspended Licenses Rank

Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Jacksonville drivers measure up to their fellow Florida motorists in the rankings above.

From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.

Accidents Jacksonville

While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Jacksonville drivers rank 28 in the number of car accidents per driver across all cities in Florida.

  • Rank within state: #28
  • Percent of drivers in Jacksonville with an accident: 11.06%
  • Drivers in Jacksonville, FL with an accident in their driving history paid on average 33.73% more than drivers with a clean record

Speeding Jacksonville

Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Florida, Jacksonville drivers rank 13 in the number of speeding infractions per driver.

  • Rank within state: #13
  • Percent of drivers in Jacksonville with a speeding ticket: 10.91%
  • Drivers in Jacksonville, FL with a speeding ticket in their driving history paid on average 28.11% more than drivers with a clean record

DUI/DWIs Jacksonville

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Jacksonville drivers rank 60 in the number of DUI’s per driver across all cities in Florida.

  • Rank within state: #60
  • Percent of drivers in Jacksonville with a DUI: 0.94%
  • Drivers in Jacksonville, FL with a DUI in their driving history paid on average 26.1% more than drivers with a clean record

Most Popular Vehicle Jacksonville

Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Jacksonville is the Toyota Camry.

Rude Jacksonville

The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in Florida, Jacksonville drivers rank 46 in rude driving infractions.

  • Rank within state: #46
  • Percent of drivers in Jacksonville with a reckless driving violation: 2.14%
  • Drivers in Jacksonville, FL with a reckless driving violation in their driving history paid on average 28.92% more than drivers with a clean record.

Safest Drivers Jacksonville

Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Jacksonville drivers rank 85 in clean driving records across all cities in Florida.

  • Rank within state: #85
  • Percent of drivers in Jacksonville with clean record: 79.98%

Failure to Yield the Right of Way Jacksonville

Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Jacksonville drivers rank 22 in failure to yield violations per driver across all cities in Florida.

  • Rank within state: #22
  • Percent of drivers in Jacksonville with a failure to yield violation: 0.59%
  • Drivers in Jacksonville, FL with a failure to yield violation in their driving history paid on average 5000% more than drivers with a clean record

Reckless Drivers Jacksonville

Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in Florida, Jacksonville drivers rank 50 in the number of reckless driving offenses per driver.

  • Rank within state: #50
  • Percent of drivers in Jacksonville with a reckless driving offense: 0.12%

Hybrid/Electric Vehicle Ownership Jacksonville

As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Jacksonville drivers rank 101 in hybrid and electric vehicle ownership across all cities in Florida.

  • Rank within state: #101
  • Percent of drivers in Jacksonville with a hybrid/electric vehicle: 0.72%

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.

Insurify Rate Comparison Methodology

The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.