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.
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Proof of insurance must be carried in your car at all times and must available when:
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.
The state minimum amount of property damage liability coveragerequired 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.
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.
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.
|Failure to Stop for Red Light / Stop Sign||$210|
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.
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.
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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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.