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Cheap Auto Insurance Quotes in Jacksonville, FL (May 2022)
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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.
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:
Personal injury protection 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. Note that while PIP is required in Florida, bodily injury liability is not required by Florida law unless the person has been involved in an at-fault accident or committed certain violations, such as a DUI.
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|
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.
|Driving History||Avg. Monthly Cost|
|Failure to Stop for Red Light / Stop Sign||$376|
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 Tier||Avg. Monthly Cost|
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.
The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.
Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.
With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.
While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Jacksonville, Florida below:
Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Jacksonville drivers measure up to their fellow motorists across Florida in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.
Most Popular Car in Jacksonville
City with the Most Speeding Tickets Rank in Florida
City with the Most Moving Violations Rank in Florida
City with the Most DUIs Rank in Florida
City with the Most Suspended Licenses in Florida
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.
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.
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.
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.
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.
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.
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.
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.
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.
Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.