Best Auto Insurance Rates in Jacksonville, Florida

On average your neighbors pay $95 a month.

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Compare Auto Insurance Quotes in Jacksonville, FL

Not many people know this, but Jacksonville, Florida is the largest city by area in the continental United States. At 875 square miles, Jacksonville is a large city. It can be a long drive to get where to your destination, and if you’re spending a lot of time on the road, that makes finding the cheapest car insurance rates very important.

Average Jacksonville Car Insurance Rates

How much is car insurance in Jacksonville, FL? You probably already know this, but car insurance near Jacksonville is expensive. In fact, average rates are higher in JAX than both the state and national average. The average cost of car insurance in Jacksonville is $1,254 a year for men and $1,394 for women, which is quite a bit more than the $1,140.84 per year paid for average auto insurance in Florida. The national average cost is $866.31.

Prices will vary depending on your driving record and the number of claims filed in your zip code.

Jacksonville, FL Average Annual Car Insurance Rates
Coverage Men Women
Liability $821 $945
Collision $319 $341
Comprehensive $114 $108
Total Cost Per Year $1,254 $1,394
Price Per Month $105 $116
Methodology: We compared rates from three different insurance companies for single 30-year-old male and female drivers renting in Jacksonville owning a 2010 Honda Accord. Our rate profiles defined males and females who are currently insured, clean driving record and drive less than 10,000 annual miles. Coverage includes Florida state liability minimum of $10,000/$20,000/$10,000 and 10/20/10 underinsured motorist coverage with $10,000 personal injury protection and a $500 comprehensive and collision deductible.

QuoteWizard helps consumers compare quotes from national insurance companies and local independent agents. Comparing quotes can help you find cheap car insurance rates near Jacksonville, Florida and save up to 40% on your premium.

Last year, 28,660 people used QuoteWizard to get a car insurance quote comparison in Jacksonville, FL from multiple companies, and find the cheapest rates.

Top 10 Vehicles in Jacksonville

These are the most common car makes and models owned by Jacksonville drivers requesting quotes through QuoteWizard last year.

  1. Ford F150
  2. Honda Accord EX/LX
  3. Chevrolet Impala LS
  4. Toyota Camry LE/XLE/SE
  5. Ford Mustang
  6. Nissan Altima 2.5 S
  7. Ford Ranger
  8. Cadillac Deville
  9. Honda Civic EX/LX
  10. Buick LaSabre Custom
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Best Car Insurance Companies in Jacksonville

This is our list of the most common car insurance companies reported by QuoteWizard users living in Jacksonville, FL last year. Of these users, 3,392 did not have insurance at the time they requested a quote.

Other popular Jacksonville, Florida car insurance companies: Hartford, MetLife, Safeco, 21st Century, Travelers, American Family, Mercury, Country Financial, and Allied.

Jacksonville Drivers

Allstate Insurance ranked the most populous cities in America in terms of driver safety, in its “America’s Best Drivers” report. Jacksonville, Florida drivers should be proud. They are safer than drivers in most major US cities, ranking 50th out of the 200 cities in the report. Out of the 28,660 Jacksonville drivers that used QuoteWizard to request quotes last year, 1,573 had incidents on their driving records.

Jacksonville drivers saved up to $383 on their car insurance policies by comparing rates through our simple form.
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Driving Conditions

The weather and road conditions can have a major effect on insurance rates.

Weather

The climate in Jacksonville, FL is categorized as being humid subtropical. This means that the summers are hot and humid and winters are mild. Unlike some climates, particularly on the Pacific Coast of the United States, where the majority of rainfall comes during the winter, Jacksonville sees precipitation year-round with the majority falling during the summer months.

Road Conditions

Funds to repave Jacksonville roads have shrunk from $9.4 million in 2013 to a mere $2 million in 2014. So don’t expect a response to your pothole repair request any time soon. In fact, according to Trip.net, 86% of this city's roads are in poor or mediocre condition.This causes an additional $487 a year in additional vehicle operating costs.

Traffic Congestion

On the bright side, traffic congestion in Jacksonville is not a huge issue. It ranks 38th for worst traffic congestion in the United States. Still, the result is that the average commuter spends an additional 23 minutes per hour stuck in traffic during peak commute times and 87 hours a year for commutes of 30 minutes.

Moving Violations

Moving violations such as following too close, at-fault accidents, running a red light, drunk driving, or speeding tickets will give you a bad driving record and raise your insurance rates sky high.

Traffic Tickets

The Duval County Clerk of Courts website allows you to pay traffic citations, tells drivers how to contest tickets, and provides helpful traffic court information.

Jacksonville police issued 14,012 traffic citations for moving violations in 2014, a 29% percent increase from the 10,852 citations issued in 2013.

SR-22 or FR-44 DUI Insurance

A DUI conviction may require you to obtain an SR-22 or FR-44 form. Request a quote and we'll will connect you with local agents from top companies that specialize in Jacksonville DUI insurance.

Car Accident Statistics

The Jacksonville Police Department reported 16,554 car crashes in 2016, resulting in 9,074 injuries. This a big decrease from the 13,285 accidents reported in 2015.

Traffic Fatalities

Jacksonville reported 80 motor vehicle crash fatalities in 2016. With Jacksonville’s estimated population of 880,619, this is a low fatality rate compared to many US cities.

Vehicle Theft Rates

Jacksonville Police reported 2,365 vehicle thefts in 2016. This is a rate of 2.72 per 1,000 residents.

Legal Minimum Insurance Requirements

Jacksonville, Florida has a minimum liability coverage requirement known as the 10/20/10 rule. This means every driver must have a policy that includes at least the following two components:

  • Property Damage Liability (PDL): $10,000.
    The maximum your insurance company will pay for property damage caused by a car accident.
  • Personal Injury Protection (PIP): $10,000.
    Also called Florida No Fault Insurance. The most your insurer will pay for injuries sustained in a car accident regardless of who is at fault.

Save With Car Insurance Discounts

Are you looking for cheap car insurance? Discounts are one of the best ways to lower your insurance rates. These are some of the many auto insurance discounts available in Jacksonville, FL. Get a quote and find out which discounts you qualify for with your current or multiple insurance companies.

  1. Bundle your policies. Bundling your auto policy with your homeowners or renters insurance could save you up to 15%. Bundling your cars on one policy will qualify you for the multi-car discount
  2. Active duty and retired members of the Military, National Guard, or Reserves are entitled to discounts for their service
  3. Maintain at least a B average in school to qualify for the good student discount
  4. If you're over 55 you could qualify for the senior discount or the 55 and retired discount
  5. Safe driver. If you have a perfect driving record with no tickets or accidents, you may qualify for the safe driver or accident-free discount
  6. Get a new car could qualify you for the new car discount. If the car has advanced safety features like anti-lock brakes or electronic stability control, you may qualify for additional discounts
  7. Are you married or getting married soon? Some insurers offer drivers a marriage discount
  8. Live in a safe neighborhood with low crime and good drivers where residents file few insurance claims. Residents of zip codes with high crime and poor driving conditions file more of the claims that lead to higher rates
  9. Install anti-theft devices or car alarm systems
  10. Shop around and compare low-cost Jacksonville auto insurance quotes and discover every discount you qualify for

Car insurance agents near Jacksonville, FL:

Sources:

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