Compare Auto Insurance in Jacksonville
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. The average cost of auto insurance in Florida is $1,176 per year. The national average price is $889.01.
Prices will vary depending on your driving record and the number of claims filed in your zip code.
|Total Cost Per Year||$1,254||$1,394|
|Price Per Month||$105||$116|
|These average rates are based on our sample quote data. 1|
The graph below shows the change in Florida's insurance rates from 2011 to 2015, the most recent year the data is available. According to the III, Florida car insurance rates increased from $1,090 in 2011 to $1,140 in 2015, a jump of $94, or 8.68 percent.
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 compare car insurance quotes in Jacksonville, FL from multiple companies to get the cheapest rates.
Best Car Insurance Companies in Jacksonville, FL
This is our list of the most common car insurance companies reported by QuoteWizard users living in Jacksonville, Florida last year. Of these users, 3,392 did not have insurance at the time they requested a quote.
Other popular Jacksonville car insurance companies: Hartford, MetLife, Safeco, 21st Century, Travelers, American Family, Mercury, Country Financial, and Allied.
Top 10 Vehicles
These are the most common car makes and models owned by Jacksonville, FL drivers requesting quotes through QuoteWizard last year.
- Ford F150
- Honda Accord EX/LX
- Chevrolet Impala LS
- Toyota Camry LE/XLE/SE
- Ford Mustang
- Nissan Altima 2.5 S
- Ford Ranger
- Cadillac Deville
- Honda Civic EX/LX
- Buick LaSabre Custom
Minimum Car Insurance Requirements in Jacksonville, FL
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.
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.
The weather and road conditions can have a major effect on insurance rates.
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.
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.
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 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. It's also possible that your insurer requires you to buy high-risk car insurance.
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.
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.
Car Insurance Discounts
Are you looking for affordable car insurance? Discounts are one of the best ways to lower your rates. Below are some of the many auto insurance discounts available in Jacksonville, FL.
- Bundle your policies. Bundling your auto policy with your homeowners or renters insurance could save you up to 20%. Bundling your cars on one policy will qualify you for the multi-car discount
- Active duty and retired members of the Military, National Guard, or Reserves are entitled to discounts for their service
- If you're over 55 you could qualify for the senior discount or the 55 and retired discount
- 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
- Are you married or getting married soon? Some insurers offer drivers a marriage discount
- 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
1 We compared rates from three different insurance companies for 30-year-old male and female drivers with a 2010 Honda Accord. Our rate profiles have a clean driving record and drive less than 10,000 annual miles. Coverage includes state liability minimum of 25/50/10 and 25/50/10 underinsured motorist coverage. Policies also include $10,000 personal injury protection and a $500 comprehensive and collision deductible.
Car insurance agents in Jacksonville, FL:
Atlantic Beach, FL 32233
- City of Jacksonville Florida
- Duval County Clerk of Courts Traffic Division
- TRIP Urban Roads Report Appendices
- Jacksonville Florida Crime Rates
- United States Census Bureau - Jacksonville, FL
- National Highway Traffic Safety Administration
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