Cheap Auto Insurance Quotes in Jacksonville, NC (2021)

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As we work together to slow the spread of COVID-19, state insurance commissions and insurance providers are constantly changing regulations and practices surrounding monthly payments, claim payouts, and more. To stay up to date with the latest on auto insurance reimbursements in your area, be sure to check with your state’s insurance commission and your current auto insurance provider.

If your driving habits have changed due to COVID-19, find a new, cheaper, ready-to-buy auto insurance policy on Insurify by comparing dozens of quotes at once.

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.

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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

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Jacksonville, NC Driving Facts

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
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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.

Driver's AgeAvg. Monthly Cost
teens$226
20s$142
30s$121
40s$91
50s$124
60s$100
70s$79
80sN/A
Driving HistoryAvg. Monthly Cost
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.

Credit TieAvg. Monthly Cost
Excellent$140
Good$153
Average$143
Poor$124

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.

Insurify Rankings

Using a proprietary dataset of over 1.6 million car insurance shopper applications, the data scientists at Insurify have run various studies on driver behavior across geographical locations, age ranges, motor vehicle registration, and other variables all related to auto insurance coverage.

We’ve been able to determine the speediest cities in the nation, the most popular cars among age groups, and the occupations with the worst drivers, among other insightful reports. We’ve also launched annual awards campaigns to congratulate the communities across the country who have excelled in environmentally friendly initiatives, educational attainment, and other areas.

Here's how Jacksonville stacks up for the state of North Carolina:

hyundai
Hyundai Sonata
Most Popular Car in
Jacksonville, NC
suspended licenses
#33
Cities with Most
Suspended Licenses Rank

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.