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Cheap Car Insurance in Jacksonville, TX

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Everything You Need to Know About Auto Insurance in Texas

The city of Jacksonville is located in the Piney Woods region of northeastern Texas. Jacksonville is considered the “Tomato Capital of the World” due to its historical association with tomato farming and processing, and this heritage is celebrated with annual events. One of the largest celebrations is Tomato Fest, which features live music, food vendors, arts and crafts, and, of course, plenty of tomatoes.

Even with events happening throughout the year, driving around Jacksonville, TX, is generally straightforward. Navigating the streets is relatively easy because the area is smaller than most cities, so there isn’t much traffic. Even though there aren’t as many cars on the road in Jacksonville as in larger cities, residents still must have car insurance in Texas with specific requirements to protect them in case of potential emergencies. 

How Much Does Car Insurance Cost in Jacksonville, Texas?

Jacksonville’s drivers pay around $52 per month for liability car insurance. This amount is $5 more than the Texas mean of $47, and $10 less than the national average of $62.

Full coverage car insurance in Jacksonville is about $156 per month, which is $13 less than the Texas mean of $169 and $56 less than the national mean of $212.

What Does it Mean if Texas is an At-Fault State?

In legal terms, Texas is an at-fault state, which means that if you cause an accident, you are financially responsible for all resulting damages and losses, like medical or funeral expenses of anyone who was hurt or killed, and any related property damage. 

Texas also practices a comparative fault legal defense system, where multiple parties can be held at fault in a given incident. In addition, these individuals will share the responsibilities of paying for a percentage of the resulting expenses in proportion to their level of fault. These legal parameters require all motorists to have a liability policy with car insurance that protects them in both scenarios.

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Affordable Car Insurance Rates Comparison by Cities in Texas

The details below outline how much Jacksonville motorists spend on their monthly premiums compared to people living in other cities in Texas.

City Full Coverage Insurance Liability Insurance Coverage
Jacksonville $156 $52
Mineral Wells $148 $48
Red Oak $169 $60
Prosper $154 $58
Greenville $152 $53

Affordable Jacksonville Car Insurance Rates by Zip Code

There are a variety of details that insurers look at to determine your pricing, and your location is one of them. If you live in an urban area, you’ll experience a lot of traffic congestion and crashes, which means you’ll drive these risky roads often. Navigating high-risk streets regularly makes it more likely that your premiums will be higher than someone who lives in a small rural town. 

Jacksonville has only one zip code, so all of its residents share this factor. A typical person in Jacksonville pays $156 each month for full coverage, and $52 per month for state-required liability insurance.

Low-Cost Car Insurance Rates by Age in Jacksonville

Insurance companies also look at your age when they estimate your monthly payments. Young drivers – teenagers, in particular – have to pay more because they are at higher risk due to a lack of experience on the road. Typically, you will pay less over time, starting in your 20s until your 60s. 

The chart here lists the average monthly auto premiums for people in Jacksonville based on age.

Age Full Coverage Insurance Liability Insurance Coverage
Teenagers $520 $188
20s $225 $75
30s $149 $50
40s $144 $50
50s $133 $47
60s $142 $53
70s $152 $59

We use the following methodology to arrive at our average cost: male, age 30, state minimum liability and full coverage of 100/300/100.

Driving Conditions in Jacksonville

How Many Fatal Accidents Happen in Jacksonville?

According to the National Highway Traffic Safety Administration, Jacksonville experiences about two fatal crashes every year. NHTSA statistics between 2011 and 2021 reported a total of 20 crashes. The highest number of fatalities were in 2016, 2019, 2020, and 2021, with a total of three fatalities per year.  

How Are the Road Infrastructure and Bridges in Jacksonville?

The Street Services Division in Jacksonville oversees the care of the city’s streets with tasks like seasonal cleanup needs (like plowing and roadside sweeping), milling, paving, and repairs. This department also maintains streetscapes and sidewalks. Texas has its own Department of Transportation that manages these kinds of tasks for major highways and bridges in the area. 

Minimum Car Insurance Requirements in Jacksonville

There are local laws that detail the minimum liability requirements for all Texas motorists, including those in Jacksonville.  In Texas, you must have a basic liability policy that has:

What Are the Penalties for Driving Without Insurance in Jacksonville, Texas?

What happens if you get pulled over and don’t show proof of car insurance? Texas motorists can face penalties for driving without providing proof of valid car insurance when pulled over by law enforcement. Failing to show proof of insurance during a traffic stop is considered a violation, and you may be subject to legal consequences as a result.

You can receive numerous fines and consequences for not having car insurance in Texas. For example, you can pay up to $350 for your first offense, and up to $1,000 for each subsequent offense. There is also a driver’s license surcharge of $250 per year for three years after your first offense, and an additional $250 a year for three years for any subsequent offenses. Repeat offenders also risk vehicle impoundment and associated fees, registration and license suspension, an SR-22 requirement, and even as many as six months in jail if you’re in a collision and uninsured.

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Factors Allowed in Jacksonville Car Insurance Rates

Insurers look at your age, location, how often you drive, and several other factors when they calculate your premium, such as:

What Happens if I Damage Property?

Property damage is inevitable in almost any accident, whether you hit the vehicle in front of you or swerve off the highway and into a ditch. Depending on the amount of repairs, full coverage can step in to help pay for a portion of personal loss expenses. 

Separately, liability coverage assists with costs you may incur as a result of the incident. Your liability will help to pay for the damage you cause to others, but not your own damages.

What Are the Best Discounts for Car Insurance in Jacksonville, TX?

Providers can help you save money on your overall bill with many types of car insurance discounts. You can also qualify for several of these reductions, and they can all be applied to your premium, which can reduce how much you owe even more. 

Below is a list of some of the most common savings for Jacksonville locals:

In addition, bundling insurance can reduce your rates. For example, when you combine your existing auto policy with renters or homeowners insurance, your overall bill can be reduced by as much as 25%.

Get an Online Quote for Car Insurance in Jacksonville Today!

Historic Victorian Home of John Wesley Love: Cheap car insurance in Jacksonville, Texas, the Tomato Capital of the World.

Motorists in Jacksonville need vehicle coverage that meets Texas’s minimum liability mandate. Freeway Insurance has a variety of plans that meet these requirements, and we can help you find the right plans at the best price.

To take the first step towards getting insured, visit our Freeway Insurance website, speak with one of our knowledgeable agents at your local Freeway Texas office, or give us a call at (800) 777-5620.