120+ more*Quotes generated for Insurify users in and around Jacksonville, North Carolina within the last 10 days. Last updated on October 30, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Jacksonville, North Carolina within the last 10 days. Last updated on October 30, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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16+ years in personal finance and insurance writing
Certified Financial Education Instructor
Catherine Hiles is a freelance writer covering insurance, personal finance, and home improvement. A Certified Financial Education Instructor, Catherine is committed to providing readers with empowerment and insight when facing insurance decisions.
Her work has been published in TIME, The Penny Hoarder, BobVila.com, Tom's Guide, and Angi. She has a bachelor's degree in communication studies from the University of Chester in the United Kingdom. Catherine lives in Ohio with her husband, two children, and two energetic dogs.
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Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
John is Insurify’s Chief Copy Editor, helping ensure the accuracy and readability of Insurify’s content. He’s a licensed agent specializing in home and car insurance topics.
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Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
As Senior Director, Media Relations, for Insurance Information Institute, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
Updated
Drivers in Jacksonville, North Carolina, pay an average of $67 per month for liability-only car insurance coverage and $91 per month for full coverage. That’s about the same amount that Wilmington drivers pay and slightly less than what Raleigh drivers pay.
Jacksonville’s location near the Atlantic coast makes it at high risk for windstorms and hurricanes. Wind speeds have increased over the last three decades, and 100% of homes in Jacksonville have some risk of damage from high winds.[1] This can affect the average cost of car insurance for the city’s drivers.
Liability rates average $67/mo.
Erie has the cheapest liability-only car insurance in Jacksonville, with an average of $48 per month. Allstate is the cheapest insurer for full coverage, with rates averaging $76 per month. That’s cheaper than the North Carolina average of $69 per month for liability-only coverage and $113 per month for full coverage.
North Carolina requires all drivers to have bodily injury coverage of at least $50,000 per person and $100,000 per accident, and property damage coverage of at least $50,000.[2] If you’re one of the 35% of Jacksonville drivers with a car loan or lease, your lender may require you to have full coverage, which includes collision coverage and comprehensive coverage.
The following table shows the cheapest liability-only and full-coverage rates in Jacksonville.
Insurance Company | Average Monthly Quote: Liability Only | Average Monthly Quote: Full-Coverage |
|---|---|---|
| Erie | $48 | $79 |
| Progressive | $55 | $85 |
| Allstate | $56 | $76 |
| GEICO | $56 | $97 |
| Direct Auto | $57 | $82 |
| Liberty Mutual | $58 | $96 |
| National General | $58 | $83 |
| Travelers | $60 | $100 |
| Safeco | $63 | $107 |
| Dairyland | $67 | $148 |
| State Farm | $78 | $129 |
Asheville is the cheapest city in North Carolina for car insurance, with an average monthly premium of $71. Charlotte is the most expensive, at $101 per month. Jacksonville sits in the middle, with drivers paying $79 per month, on average.
Since Jacksonville is nearer to the coast than Asheville, it has a higher risk of hurricanes and tropical storms. But there’s a much higher risk of vehicle theft in Charlotte. The Queen City ranks No. 23 for thefts by volume, while Jacksonville comes in No. 210, according to Insurify data.
The table below shows the average monthly car insurance quotes in other North Carolina cities.
City | Average Monthly Quote |
|---|---|
| Morrisville | $69 |
| Asheville | $71 |
| Chapel Hill | $72 |
| Burlington | $74 |
| Cary | $77 |
| Wilmington | $77 |
| Mooresville | $79 |
| Rocky Mount | $79 |
| Durham | $83 |
| Goldsboro | $83 |
| Hickory | $83 |
| Raleigh | $85 |
| Greensboro | $87 |
| Kannapolis | $90 |
| High Point | $93 |
| Greenville | $95 |
| Wilson | $95 |
| Gastonia | $96 |
| Matthews | $96 |
| Fayetteville | $98 |
| Charlotte | $101 |
| Concord | $104 |
Drivers traveled approximately 1.8 billion vehicle miles in the Jacksonville metropolitan area in 2025.[3] U.S. Route 17 is one of the main routes through Jacksonville, and several parts are under construction. Take extra time to get through the intersections at North Carolina Highway 172, Henderson Drive, Bell Fork Road, and Gum Branch Road.
Every spring, visitors flock to the area for Jacksonville’s Jamboree. This event features live music, carnival rides, youth sports tournaments, and dozens of vendors. Traffic in the Jacksonville area can be heavier during Jamboree weekend, so plan accordingly and adjust your route if necessary.
If you’re driving north of downtown Jacksonville during heavy rain, watch out for flooding. This area is within a Special Flood Hazard Area.[4] Low-lying roadways can flood quickly with runoff from Dotey’s Branch and Mill Creek. The City of Jacksonville advises drivers to turn around and find an alternate route if you see a flooded road, as six inches of water can cause you to lose control.
Approximately 6% of Jacksonville drivers have a speeding ticket or an at-fault accident on their record, according to Insurify data. Less than 1% have a DWI on their record.
The Onslow County Sheriff’s Office has a dedicated traffic and driving while intoxicated (DWI) unit. In 2025, the unit reported 379 DWI arrests — almost 90 more than the previous year.[5]
The following table shows the average monthly car insurance quotes in Jacksonville by driving record.
Driving Record | Average Monthly Quote |
|---|---|
| Clean driving record | $79 |
| Speeding ticket | $104 |
| At-fault accident | $109 |
| DWI | $198 |
Jacksonville has a relatively young population, thanks to the area’s large military presence at Marine Corps Base Camp Lejeune and Marine Corps Air Station New River. Almost 20% of the population is younger than 18, while just 7.8% are 65 or older, according to U.S. census data.
Teen drivers in Jacksonville typically pay the highest rates, while adult and senior drivers pay less. The table below shows the average monthly liability rates for Jacksonville drivers by age.
Age | Average Monthly Quote |
|---|---|
| Teens | $121 |
| 20s | $80 |
| 30s | $73 |
| 40s | $70 |
| 50s | $64 |
| 60s | $58 |
| 70+ | $59 |
*Quotes generated for Insurify users in and around Jacksonville, North Carolina within the last 10 days. Last updated on October 30, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Jacksonville, North Carolina within the last 10 days. Last updated on October 30, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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Licensed property and casualty insurance agent
13+ years of insurance experience
Austin has 13+ years of personal lines experience. As a sales manager at Insurify, he mentors agents and partners with leadership to refine sales strategies and improve the customer experience.
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Licensed property and casualty insurance agent
15+ years of insurance experience
Brett has 15+ years of experience in personal and commercial insurance. As a sales manager at Insurify, Brett leads a high-performing sales team, ensuring they achieve key sales targets while maintaining high-quality work.
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Licensed property and casualty insurance agent
25+ years of insurance experience
Anuj has 25+ years of experience in auto, home, and renters insurance. As a digital insurance agent at Insurify, he takes pride in helping customers understand their coverage and in offering risk-management strategies tailored to each customer’s needs.
Finding affordable auto insurance in Jacksonville is easy if you know how to compare quotes. The following questions and answers can help you find the best rate for your budget.
Car insurance costs an average of $79 per month in Jacksonville, North Carolina.
Erie is the cheapest car insurance company in Jacksonville, with an average monthly cost of $48 for liability coverage.
The best car insurance company in Jacksonville depends on your budget and coverage needs. That said, Jacksonville drivers can find the most affordable coverage with Erie, Progressive, and GEICO.
North Carolina requires drivers to have at least $50,000 per person and $100,000 per accident in bodily injury liability coverage. Drivers must also carry at least $50,000 per accident in property damage liability coverage.
Factors that affect car insurance costs in Jacksonville include your driving history, years of driving experience, vehicle type, and the coverages you choose. Local factors, such as Jacksonville’s traffic, flooding, and severe weather risks, can also influence insurance costs.
Insurify data scientists analyzed more than 250 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
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16+ years in personal finance and insurance writing
Certified Financial Education Instructor
Catherine Hiles is a freelance writer covering insurance, personal finance, and home improvement. A Certified Financial Education Instructor, Catherine is committed to providing readers with empowerment and insight when facing insurance decisions.
Her work has been published in TIME, The Penny Hoarder, BobVila.com, Tom's Guide, and Angi. She has a bachelor's degree in communication studies from the University of Chester in the United Kingdom. Catherine lives in Ohio with her husband, two children, and two energetic dogs.
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
John is Insurify’s Chief Copy Editor, helping ensure the accuracy and readability of Insurify’s content. He’s a licensed agent specializing in home and car insurance topics.
Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
As Senior Director, Media Relations, for Insurance Information Institute, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
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