Cheap Auto Insurance Quotes in Jacksonville, NC (2021)

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Just off the North Carolina coast, Jacksonville is a small city that’s home to several Marine Corps bases. With just over 70,000 residents, you’d think this city is a sleepy one; however, due to its position along the New River, driving in Jacksonville can be challenging. It’s recommended that you learn alternate routes to your destination in the event of a traffic jam, and it’s always smart to have great car insurance just in case you’re involved in a collision.

Car Insurance in Jacksonville, NC

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

Quotes by Top Carriers
Quotes ($/mo)
$51
$53
$79
$112
$140
ProgressiveGEICOTravelersNationwideState Farm
Monthly $

Cheapest Car Insurance in Jacksonville, NC

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, NC

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)
$86
$96
$93
$88
$68
$87
North CarolinaCharlotteRaleighGreensboroDurhamJacksonville
Monthly $

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Jacksonville, NC Driving Facts

north-carolina

Minimum Car Insurance Requirements in NC

All motor vehicles operated or parked on North Carolina 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 in North Carolina are as follows:

  • $30,000 per person / $60,000 per accident for Bodily Injury (BI)

Bodily injury liability coverage protects drivers if their car is involved in an accident that harms another individual. The minimum limits required by North Carolina state law are $30,000 for the death or injury of a single victim as a result of a car accident and $60,000 for the deaths or injuries of multiple victims. Insurance companies list this type of coverage as 30/60, referring to the dollar limitations of each minimum. 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 North Carolina law.

  • $25,000/accident for Property Damage (PD)

The state minimum amount of property damage liability coverage required in the state of North Carolina is $25,000. 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.

Uninsured or underinsured motorist coverage is legally required in North Carolina to cover damages and lost wages to drivers and passengers involved in an accident with an uninsured/underinsured at-fault driver.

  • $30,000 per person / $60,000 per accident for Bodily Injury Coverage if injured by an uninsured/underinsured driver
  • $25,000 for Property Damage caused by an uninsured/underinsured driver

Jacksonville Car Insurance Rates by Driver Age

Teenagers working part-time should be able to afford $226 per month for car insurance and still manage school, sports, and other extracurriculars. In the Tar Heel state, drivers get better prices as they gain more experience. That’s why twentysomethings see an immediate $80 price drop over the youngest drivers. From that point, the rates slide down, with everyone over 30 spending less than the state average of $131. Those in their 70s grab one of the lowest rates in the country, at $78 per month.

Driving History
No Violation$130
Speeding Ticket$135
At-Fault Accident$174
Failure to Stop for Red Light / Stop Sign$210

Jacksonville Car Insurance Rates by Driving and Accident History

In Jacksonville, safe driving pays on the road and at the bank. Residents cruise with the peace of mind defensive driving creates, and insurance companies reward the responsible with “good driver” and “accident-free” discounts. But a quick text message or other distraction can jack up the rates because an at-fault accident bumps the price up by $43 per month. Worse still, a failure-to-stop violation adds over $75 per month, or $600 per year. Fortunately, after three years of careful driving, accidents and tickets stop affecting car insurance premiums.

Jacksonville Car Insurance Rates by Credit Tier

North Carolinians wonder what Mastercard and Visa have to do with mastering a vehicle. The law says insurance companies can assess credit when setting rates. Usually, people with the best credit pay the least. So why do those with poor and average credit sneak under people with good credit? Drivers with better credit might finance costlier cars and need more coverage to protect their assets. That said, moving from good to excellent credit will save over $10 per month, or $120 per year.

Jacksonville, NC DMV Information

Whether you need to renew your vehicle registration or driver’s license or need help with other DMV tasks, you won’t have to travel far. Three separate offices are located in the western part of the city and are designated for different services. The North Carolina Drivers License Office, North Carolina License Plate Agency, and North Carolina Department of Transportation are all open Monday through Friday from 9 a.m. to 5 p.m.

Public Transportation in Jacksonville, NC

Most major destinations in Jacksonville are easily accessible using Jacksonville Transit, the city’s public bus system. It runs from 5:54 a.m. to 7:55 p.m. Monday through Friday and from 9:54 a.m. to 7:55 p.m. on weekends and holidays. If you need to travel outside of these operating hours, a rideshare service like Uber or Lyft will be the best way for you to reach your destination.

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

Between its lovely waterfront setting and small-town feel, Jacksonville is becoming a popular city to live in. While most roads and freeways are easy enough to drive now, it’s only a matter of time before traffic becomes more and more problematic. It’s wise to enroll in a robust car insurance policy here, as state minimums are low and may not cover all of your expenses.

Finding affordable car insurance doesn’t have to be a tough task. Insurify can help you to save both time and money. After answering a few simple questions, you’ll be able to compare multiple real-time quotes and enroll in the right policy for your driving needs.

Find local Jacksonville agents

iServe Insurance Agency, LLC 
1106 Gum Branch Rd, Jacksonville, NC 28546
A. D. Guy Insurance 
1931 Gum Branch Rd, Jacksonville, NC 28540
Compass Insurance Agency 
116 Center St, Jacksonville, NC 28546
Tricorp Insurance Agency, Inc. 
99 Village Dr Ste 20, Jacksonville, NC 28546-7060
Ashlie Fortune Insurance 
445-H Western Blvd, Jacksonville, NC 28546
SIA Group/SIA of NC 
827 Gum Branch Road, Jacksonville, NC 28540-6265
Bailey and King Insurance 
405 Western Blvd #E, Jacksonville, NC 28546-6851
JMI & Associates Insurance Services, LLC 
104 Cardiff Court, Jacksonville, NC 28546
Direct Auto Insurance
230 Wilmington Hwy, Jacksonville, NC 28540
Protective Agency
521 Yopp Rd, Jacksonville, NC 28540

Insurify Insights: How Jacksonville Drivers Measure Up

nissan
Nissan Altima
Most Popular Car in
Jacksonville, NC
suspended licenses
#29
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 North Carolina 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 24 in the number of car accidents per driver across all cities in North Carolina.

  • Rank within state: #24
  • Percent of drivers in Jacksonville with an accident: 10.96%
  • Drivers in Jacksonville, NC with an accident in their driving history paid on average 13.74% 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 North Carolina, Jacksonville drivers rank 1 in the number of speeding infractions per driver.

  • Rank within state: #1
  • Percent of drivers in Jacksonville with a speeding ticket: 14.61%
  • Drivers in Jacksonville, NC with a speeding ticket in their driving history paid on average 8.4% 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 34 in the number of DUI’s per driver across all cities in North Carolina.

  • Rank within state: #34
  • Percent of drivers in Jacksonville with a DUI: 1.07%
  • Drivers in Jacksonville, NC with a DUI in their driving history paid on average --% more than drivers with a clean record

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 North Carolina, Jacksonville drivers rank 2 in rude driving infractions.

  • Rank within state: #2
  • Percent of drivers in Jacksonville with a reckless driving violation: 2.28%
  • Drivers in Jacksonville, NC with a reckless driving violation in their driving history paid on average 30.53% 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 12 in clean driving records across all cities in North Carolina.

  • Rank within state: #12
  • Percent of drivers in Jacksonville with clean record: 76.56%

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 9 in failure to yield violations per driver across all cities in North Carolina.

  • Rank within state: #9
  • Percent of drivers in Jacksonville with a failure to yield violation: 0.3%
  • Drivers in Jacksonville, NC with a failure to yield violation in their driving history paid on average --% 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 North Carolina, Jacksonville drivers rank 11 in the number of reckless driving offenses per driver.

  • Rank within state: #11
  • Percent of drivers in Jacksonville with a reckless driving offense: --%

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 Nissan Altima.

Most Patriotic City

Most Patriotic City

Jacksonville

Beginning in 2018, Insurify launched the Most Patriotic Cities Awards, which salute the community in each state with the highest percentage of individuals who currently serve in the military or identify as armed service veterans.

Jacksonville won Insurify's Most Patriotic Cities Award for the state of North Carolina. The city is home to Marine Corps Base Camp Lejeune, and Jacksonville's main migration draw is still U.S. Marine Corps families.


FAQs - Jacksonville, NC Car Insurance

How much car insurance do I need in Jacksonville?

To comply with state law, drivers in the area must have at least $30,000 bodily injury and $25,000 personal property protection. Additional types of coverage are suggested as the damages from an accident can quickly exceed these limits.

Is North Carolina a no-fault insurance state?

No. Drivers who are involved in an auto accident in Jacksonville will be subject to the state’s fault system, meaning whoever is responsible for the collision will need to exhaust their insurance coverage first to pay for damages.

Can I get cheap car insurance in Jacksonville?

Many motorists in this city tend to pay less than the national average for their auto coverage. For the best deals on car insurance, visit Insurify today to compare prices and see how your policy stacks up against the competition.

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.