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Car Insurance in Jacksonville

Illustration of van driving by Freeway Insurance headquarters

Within the state of Florida, Jacksonville is a perfect hub of entertainment. As the largest city in the entire state, you can always count on meeting cool new people and finding something new to experience each week.

However, getting to most of those new experiences requires driving. And if you’re going to be driving through Florida’s most populous city, then you need to have the right level of auto insurance to protect both yourself and your vehicle.

Quick Facts

  • The average cost of car insurance in Jacksonville is $1,739
  • In 2020, there were a total of 205 traffic-related deaths in Jacksonville

How Much Is Car Insurance in Jacksonville?

The average cost of car insurance in Jacksonville is $1,739. That’s better than the state average of $2,309, but it’s more than a bit worse than the national average of $1,548.

To help you better understand the different car insurance costs in Florida, we’ve compiled info about different major cities and the average cost of full coverage car insurance in each one. Remember, if you don’t get full coverage, your insurance costs will be lower.

Full coverage insurance is a bit more expensive, but it’s usually worth it. Fortunately, the rest of our guide has some good info on how you can drive down the cost of your monthly insurance premiums.

City Average Annual Premium for Full Coverage
Jacksonville $1,739
Miami $3,314
Orlando $2,405
Tampa $3,027

Jacksonville Car Insurance Rates by Zip Code

Many different factors influence the cost of your car insurance. Interestingly, one of those factors is your zip code. Below, we have a brief list of average car insurance rates you can expect to pay in Jacksonville based on zip code.

Zip Code Average Annual Premium for Full Coverage
32099 $2,124
32206 $2,160
32219 $2,160
32201 $2,172
32205 $2,172

Jacksonville Car Insurance Rates by Age

Another factor that influences the cost of your car insurance is your age. This frustrates some drivers because they can’t exactly control how old they are. But it is usually pleasing for these drivers to learn that their car insurance costs are likely to go down as they grow older.

Below, we have outlined the average car insurance rates by age in Jacksonville. Prices are most expensive for the youngest drivers and then mostly taper down over time.

Age Average Car Insurance Rate
Teenagers $6,471
20s $2,894
30s $2,235
40s $2,187
50s $2,047
60s $2,093
70s $2,560

Driving Conditions in Jacksonville

How Many Fatal Accidents Happen in Jacksonville?

In 2020, there were a total of 205 traffic-related deaths in Jacksonville. Local law enforcement claims that 59 of these victims were not wearing a seatbelt at the time of the accident.

How Are the Road Infrastructure and Bridges in Jacksonville?

Relatively speaking, Jackson’s infrastructure is pretty solid. There are several ongoing major developments intended to make the roads safer and easier to navigate.

For example, many of the roads in Downtown Northbank are being converted into convenient two-way streets. There is also a $39 million project to renovate Hart Bridge and another project to dredge the river, improving everything from aesthetics to accessibility.

That’s the good news. The bad news is that many aspects of Jacksonville’s infrastructure have been crumbling for many years. And it may take many more years (and many more investments) to fix everything that needs to be fixed.

Minimum Car Insurance Requirements in Jacksonville

As a driver in Jacksonville, it is of utmost importance that you have the right level of insurance coverage. We always recommend getting more than the minimum level of car insurance, but it’s also important that you know the minimum automobile insurance requirements.

Florida car insurance minimum requirements are as follows:

  • Property damage liability coverage: $10,000
  • Personal Injury Protection: $10,000

Factors that Affect Jacksonville Car Insurance Rates

How much you pay for your car insurance premium is dictated by several different factors. Below, we have a brief list of the factors insurance carriers can use to set Florida car insurance rates.

  • Driving record
  • Credit score
  • Marital status
  • Age
  • Gender
  • Education

Discounts for Car Insurance in Jacksonville

It’s impossible to compile all of the potential car insurance discounts in Florida because every insurance carrier gets to choose their own. However, our list below outlines some common discounts that may be available through your existing carrier.

  • Safety features
  • Anti-theft systems
  • Graduating from a defensive driving course
  • Good driver
  • Customer loyalty
  • Bundled policy

What Are the Penalties for Driving Without Insurance in Jacksonville?

If you had insurance and dropped it or stopped paying for it, your carrier will alert the state. In turn, the state will give you three days to obtain insurance and provide proof that you are covered. If you do not (or cannot) provide such proof, then your license, plates, and registration may be suspended for a period of three years, and it will cost $150 to reinstate them once you have insurance.

Should you be caught a second time within a three-year period, you will face the same penalties, but the reinstatement fee is now $250. And if you commit a third offense within a three-year period, that reinstatement fee jumps to $500.

Get a Jacksonville Car Insurance Quote Today!

Aerial view of downtown Jacksonville skyline with bridge and river

Jacksonville is an amazing city and a jewel within the heart of Florida. But you can’t enjoy everything the city has to offer until you have the insurance coverage and prices you deserve.

Fortunately, Freeway is here to help you find the best car insurance for you in Jacksonville, Florida. Get started with a quote online, or visit us at a Jacksonville office near you. You can also call us at (800) 777-5620 for a quote.