Find Car Insurance in Jacksonville, FL

What You Should Know About Car Insurance in Jacksonville, Florida

Jacksonville has the distinction of being the largest city by land area in the contiguous U.S. More people live here than any other Florida city and it is considered military friendly.

There’s so much to do and see in Jacksonville, including visiting more than 20 miles of white sandy beaches or strolling through the gardens at the Cummer Museum. Don’t forget this is home to the NFL’s Jacksonville Jaguars, where the team plays home games at EverBank Stadium.

However, if sunbathing or museums are not your thing, there’s plenty for vacationers and residents to do. There is a world-famous zoo located here, home to more than 3,000 animals, plus an arts market and performing arts center. And if you like shrimp, you’ll be happy to find out that this city is known as Florida’s shrimp capital and there are plenty of restaurant choices.

If you will be driving around Jacksonville, make sure you have the required amount of car insurance. At InsureOne, agents are standing by to help you find the best car insurance in Florida with flexible costs and white-glove service.

How Much Does Car Insurance Cost in Jacksonville, Florida?

Florida is a no-fault state and insurance prices are higher than many other states. For example, the average annual cost of full coverage here is $4,088, while minimum liability averages to $1,125 per year. That compares to $2,014 for the nation on average for full and $622 for liability only. As you can see, Floridians pay close to twice as much as the nation average.

That is partly due to the no-fault status.

What Does No-Fault State Mean?

A no-fault state means insurance companies cover their policy-holder’s medical bills up to policy limits in an accident, no matter who is at fault. In an at-fault state, the insurer of the at-fault driver pays for everybody else’s costs up to policy limits. No-fault states tend to have higher insurance costs, plus requiring some form of medical protection.

If you are looking for the best car coverage to protect what is important, contact your neighborhood InsureOne agent. We will listen to what you need and research the best options for you.

Car Insurance Rates Comparison by Zip Code in Jacksonville

Here are five sample zip codes in the Jacksonville area and their average monthly rates. Insurers use zip codes to learn about traffic congestion, accident incidents and claims, as well as vehicle crime, such as stolen vehicles and vandalism.

Zip Code	Full Coverage Insurance	Liability Insurance Coverage
32099	$219	$74
32202	$229	$78
32208	$231	$79
32212	$222	$76
32226	$223	$76

What Types of Car Insurance Discounts are Available in Jacksonville?

Car insurance discounts can significantly reduce premium costs, offering customers substantial savings. Discounts are often available for safe driving, multiple policies, vehicle safety features, and low mileage. By meeting eligibility criteria, customers can lower their expenses while maintaining quality coverage, making these discounts a valuable tool for financial efficiency.

Here are a few other common discounts and how much they could save on your premium.

Discount	What It’s Worth
Good or Safe Driver	10-30% Off
Affiliation (School, Employer, Team, Military)	20-25% Off
Senior (Over the Age of 65)	15-35%
Low Mileage	5%
Good Student	15%

Notable Car Insurance Laws in Jacksonville

Jacksonville follows the same road rules as everywhere else in Florida. As far as cell phone usage – illegal without a hands-free device and drivers under 18 are not allowed to use them at all except in emergencies. Everybody must be belted in and child restraint devices must be used for occupants that meet age and weight requirements.

What are the Mandatory Car Insurance Requirements in Jacksonville?

The minimum legal requirement for car insurance in Florida is:

• Property Damage Liability: $10,000
• Personal Injury Protection: $10,000 per accident

Keep in mind these are the bare minimums required by the state. If you choose to carry these amounts, your insurer will only pay up to this in the event of an approved claim. Whether you cause an accident or someone else does, your insurer will pay $10,000 to help you repair your vehicle and $10,000 for medical expenses. These are the minimum requirements.

Many drivers choose to increase their levels for more protection, as well as adding uninsured motorist coverage (UM) to help pay for damages caused by someone with no insurance. Drivers may sue to recoup damages over policy limits.

What is the Penalty for Driving without Insurance in Jacksonville?

Driving without insurance in Florida can lead to severe penalties, as the state requires all drivers to maintain at least the minimum coverage. If caught without insurance, drivers may face a suspension of their vehicle registration and driver’s license. Reinstating these privileges requires payment of a reinstatement fee, which can range from $150 to $500, depending on the number of offenses.

Additionally, uninsured drivers may be personally liable for damages in the event of an accident, exposing them to significant financial and legal consequences. Repeat offenses or failure to comply with insurance requirements can result in increased fines and potential vehicle impoundment. These penalties underscore the importance of maintaining valid insurance coverage to avoid legal repercussions, safeguard financial stability, and ensure compliance with Florida’s motor vehicle laws.

Factors That Determine Your Insurance Premiums in Jacksonville

Insurance companies use a variety of factors to determine each person’s quote. Your driving history is one of the most important, which is why young drivers who have no experience typically face higher premiums. Here are some other factors:

• Age: Young drivers like teenagers often are charged the most. This is because they have no driving history and, as a group, tend to file more claims. Your rates will decrease as you age, as long as you keep your record clean.
• Gender: Statistically, males file more claims than females, but the average rate difference is not much – just $51 annually than female drivers.
• Vehicle Make and Model: Vehicles that have a good safety rating, are reliable and cost less to repair will command a lower policy premium than those with hard-to-find parts or that need special technicians.

Here’s What You Need to Know When Driving in Florida

There are plenty of nice, scenic drives in the Sunshine State and usually more than one way to get to where you need to go. If in a hurry, take one of the many toll roads (get a SunPass). If your time is more leisurely, opt for a drive through some small, charming towns and beaches. As with most places, the closer you get to big cities, like Miami, the more crowded the roads become.

How Many Car Accidents Happen in Jacksonville Per Year?

Jacksonville is a large, populous city in Duval County, which covers 875 square miles. In 2022, there were 141 fatal crashes in the city limits. In Duval County, there were 150 fatalities, so most of these fatal crashes were in the city limits. Other stats for Deval County are in the table below.

CRASH CATEGORY	TOTAL
Total Fatal and Injury	24,358
Hit and Run	7,641
Motorcycles	485
Pedestrians	527
Bicycle	289

 

How Many Uninsured/Underinsured Motorists are in Jacksonville?

As you can see by the table above, there were 7,641 total hit and run crashes in Duval County in 2022. In many cases, when a driver with no insurance causes an accident, they flee the scene. Estimates of uninsured drivers in Jacksonville fall at about 20%, one of the highest in the U.S. making uninsured motorist coverage even more important.