Jacksonville Car Insurance
Jacksonville car insurance
Jacksonville ZIP code 32210 is the most expensive place in the Jacksonville metropolitan area for Florida car insurance, with drivers paying an average rate of $1,810 a year, according to our analysis of rates from six insurers.
Car insurance companies use different formulas when calculating rates, so no policy is priced the same by any two insurers. For example, the highest rate from any carrier for ZIP 32210 in our analysis was $2,589. That's $1,466 more than the lowest ($1,123). And, While Jacksonville car insurance rates are well short of fraud-riddled Miami's, they vary quite a bit based on neighborhood. For example, a Northwest Jacksonville resident might pay $150 more than someone with an identical car and driving record living out at Jacksonville Beach.
To see how Jacksonville car insurance rates compare, use our average rates tool below. Enter a ZIP code and it will show the average rate, as well as the highest and lowest, for your location for six age groups and three coverage levels.
CarInsurance.com commissioned Quadrant Information Services to provide a report of average auto insurance rates for a 2016 Honda Accord for nearly every ZIP code in the United States. We calculated rates using data for up to six large carriers (Allstate, Farmers, GEICO, Nationwide, Progressive and State Farm).
Averages for the default result are based on insurance for a married 30-year-old male who commutes 12 miles to work each day, with policy limits of 100/300/100 ($100,000 for injury liability for one person, $300,000 for all injuries and $100,000 for property damage in an accident) and a $500 deductible on collision and comprehensive coverage. The rate includes uninsured motorist coverage.
Averages for customized rates are based on drivers ages 20, 30, 40, 50, 60 and 70 for the following coverage levels: state minimum liability, liability of 50/100/50 and 100/300/100 with $500 deductible on comprehensive and collision. These hypothetical drivers have clean records and good credit. Average rates are for comparative purposes.
Your own rate will depend on your personal factors and vehicle.
State Minimum:
Required liability coverage to drive legally in your state; some states mandate additional coverage, such as personal injury protection, uninsured motorist, underinsured motorist.
Liability Only 50/100/50:
$50,000 per person/$100,000 maximum per accident for bodily injury; $50,000 for property damage. Liability pays for injuries/damage you cause others.
Full Coverage 100/300/100:
$100,000 per person/$300,000 maximum per accident for bodily injury; $100,000 for property damage; comprehensive and collision coverage with $500 deductible. Liability pays for injuries/damage you cause others. Comprehensive and collision pay for damage to your car.
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33135- CORAL GABLES: $212 -
33130- MIAMI: $211
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33125- MIAMI: $211
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33136- MIAMI: $211
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32455- BRUCE: $53
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32425- BONIFAY: $53
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32464- PONCE DE LEON: $53
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32427- CARYVILLE: $53
You’ll see in the chart below the top 10 most expensive ZIP codes for car insurance in Jacksonville, and how much you can overpay if you don’t compare rates.
Most expensive Jacksonville car insurance rates
| ZIP code | Average rate | Highest rate | Lowest rate |
|---|---|---|---|
| 32210 | $1,810 | $2,589 | $1,123 |
| 32205 | $1,809 | $2,589 | $1,123 |
| 32207 | $1,795 | $2,521 | $1,123 |
| 32208 | $1,792 | $2,502 | $1,123 |
| 32211 | $1,782 | $2,521 | $1,123 |
| 32277 | $1,765 | $2,439 | $1,123 |
| 32244 | $1,751 | $2,401 | $1,123 |
| 32206 | $1,750 | $2,292 | $1,123 |
| 32209 | $1,750 | $2,292 | $1,123 |
| 32204 | $1,749 | $2,287 | $1,123 |
*Methodology for rates by ZIP code:
CarInsurance.com commissioned Quadrant Information Services to run auto insurance rates for a 2016 Honda Accord for more than 30,000 ZIP codes in the United States using six large carriers -- Allstate, Farmers, GEICO, Nationwide, Progressive and State Farm. (In cases where an insurer’s rate wasn’t available, another major carrier's rate was substituted.) Averages are based on insurance for a single 40-year-old male who commutes 12 miles to work each day, with policy limits of 100/300/100 ($100,000 for injury liability for one person, $300,000 for all injuries and $100,000 for property damage in an accident) and a $500 deductible on collision and comprehensive coverage. This hypothetical driver has a clean record and good credit. The rate includes uninsured motorist coverage. Average rates are for comparative purposes. Your own rate will depend on your personal factors and vehicle.
Here's how Jacksonville’s highest average rate ($1,810) for ZIP code 32210 compares to others:
- $367 more than the least expensive average rate ($1,443) in Florida, Fanning Springs ZIP code 32693
- $13 less than the state average ($1,823)
- $455 more than the national average rate ($1,355)
Jacksonville car insurance requirements | |
|---|---|
| Florida state law requires the following minimum car insurance coverage: | |
| Minimum bodily injury liability | $10,000 |
| Minimum property damage liability | $10,000 |
| *Bodily injury liability not required by state; many carriers require $10,000/$20,000 | |
Cheapest car insurance in Jacksonsville
If you want just enough coverage to be legal on the road, buy the lowest amount of liability insurance your insurer offers. That’s the cheapest policy you can buy. Florida car insurance laws mandate that you must have a car insurance policy covering $10,000 in property damage liability and $10,000 in personal injury protection (PIP):
- $10,000 in PIP covers you, your passengers and other authorized drivers of your car who are injured while in your insured vehicle
- $10,000 for damage you cause to others’ cars and property
Bodily injury liability not required, but recommended
Florida car insurance laws don’t stipulate that you carry bodily injury liability insurance, which pays for injuries others get from an accident you cause. However, many car insurance companies do require it to be part of any policy they sell in the state. That’s because Florida is a no-fault state. Treatment for any injuries you suffer is covered by your personal injury protection, up to its limit. This is regardless of who caused the accident. If bills exceed that limit, the at-fault driver is legally personally responsible unless he or she has bought bodily injury liability coverage.
If you buy bodily injury liability coverage, the smallest amount you can buy is $10,000 per person (up to $20,000 per accident).
The state average rate for a year of minimum coverage (with bodily injury amounts most insurers require) is $884, according to our rate analysis. If you paid just $4 a month more, or $46 a year, you could hike up your protection to coverage limits of 50/100/50. If you increased limits to 100/300/100, you'd pay $78 more a month, or $939 a year.
Best car insurance in Jacksonsville
The least expensive coverage isn’t always sufficient for every scenario. Even a minor accident can put your savings and home in jeopardy if you have just the state required minimum of insurance. To protect your assets, you should buy liability insurance in the following amounts:
- $100,000 to pay for others’ medical bills
- $300,000 to pay for injuries to others in an accident you cause
- $100,000 to pay for damage to others’ property
You should also consider buying these optional coverages:
- Comprehensive, which replaces stolen cars and covers damage to your car from floods, fire, hail, vandalism.
- Collision, which pays for damage to your car from accidents.
Comprehensive insurance and collision coverage are typically very affordable and a wise idea if you have a newer car. That’s because these coverages pay out up to the actual cash value of your car. In Florida, comprehensive costs $107 and collision costs $242, on average per year, for drivers, according to the Insurance Information Institute. Unlike liability insurance, these optional coverages come with a deductible. That’s the amount you pay before your insurance goes into effect. You select a deductible amount when you buy coverage. Common deductibles amounts are $1,000, $500 and $250. The lower your deductible is, the higher your rate will be.
Cheapest Jacksonville car insurance companies
You'll see in the rankings below how major auto insurance companies in Jacksonville rate on price. Geico has the cheapest auto insurance for the city, based on our rate analysis of Jacksonville ZIP codes.
| Company | State minimum |
|---|---|
| Geico | $377 |
| Progressive | $652 |
| State Farm | $660 |
| Allstate | $1,044 |
| Company | 50/100/50 |
| Geico | $509 |
| Progressive | $742 |
| State Farm | $835 |
| Allstate | $1,180 |
| Company | 100/300/100 |
| Geico | $1,119 |
| State Farm | $1,591 |
| Progressive | $1,758 |
| Allstate | $2,345 |
How much does insurance go up after a speeding ticket in Jacksonville?
CarInsurance.com’s rate analysis shows that drivers in Jacksonville can expect to pay, on average, up to about $569 more a year for car insurance after minor violations such as speeding. More serious infractions, such as reckless driving can hike rates as much as $1,239. Minor traffic violations typically stay on your record for about three years, and you can expect to see the rate increase upon your policy renewal date.
| Violation | Average rate | Rate after violation | Dollar increase | Percentage increase |
|---|---|---|---|---|
| Reckless driving | $1,990 | $3,229 | $1,239 | 62% |
| DUI/DWI first offense | $1,990 | $3,136 | $1,146 | 58% |
| Operating a vehicle in a race (highway racing) | $1,990 | $3,122 | $1,132 | 57% |
| Speeding 30+ over limit | $1,990 | $2,894 | $904 | 45% |
| 2 speeding tickets 11 mph or over | $1,990 | $2,872 | $882 | 44% |
| Careless driving | $1,990 | $2,673 | $684 | 34% |
| Speeding ticket 16-29 MPH over limit | $1,990 | $2,558 | $569 | 29% |
| Failure to stop | $1,990 | $2,489 | $499 | 25% |
| Failure to yield | $1,990 | $2,489 | $499 | 25% |
| Improper turn | $1,990 | $2,489 | $499 | 25% |
| Improper/illegal pass | $1,990 | $2,489 | $499 | 25% |
| Speeding ticket 1-5 MPH over limit | $1,990 | $2,479 | $489 | 25% |
| Speeding ticket 6-10 MPH over limit | $1,990 | $2,479 | $489 | 25% |
| Speeding ticket 11-15 MPH over limit | $1,990 | $2,479 | $489 | 25% |
| Following too closely | $1,990 | $2,473 | $483 | 24% |
| Lapse of coverage for 60 days | $1,990 | $2,191 | $201 | 10% |
| Driving without a license or permit | $1,990 | $2,147 | $158 | 8% |
| Driving without insurance | $1,990 | $2,147 | $158 | 8% |
| Lapse of coverage for 7 days | $1,990 | $2,106 | $116 | 6% |
| Lapse of coverage for 15 days | $1,990 | $2,106 | $116 | 6% |
| Lapse of coverage for 30 days | $1,990 | $2,106 | $116 | 6% |
| Seatbelt infraction | $1,990 | $2,005 | $16 | 1% |
*Methodology: CarInsurance.com commissioned Quadrant Information Services in 2019 to field rates from up to six major insurers for 10 ZIP codes in the city for the following driver profile: male, age 40, good credit, clean driver record, driving 2017 Honda accord. We compared the clean record driver rate to the rate for various tickets and accident claims to get the average percentage and dollar increase, for the coverage level of 100/300/50; with comprehensive and collision and $500 deductible. These are estimates; your actual rate will depend on your personal rating factors.
How much will an accident raise my insurance in Jacksonville?
When you file a claim for an accident that's your fault, typically your car insurance rates will increase. The table below shows how much for drivers in Jacksonville can expect to pay for common car insurance claims.
| Claim | Average rate | Rate after claim | Dollar increase | Percentage increase |
|---|---|---|---|---|
| 2 At-fault property damage accident over $2k | $1,990 | $3,824 | $1,834 | 92% |
| Hit and run - injury | $1,990 | $3,229 | $1,239 | 62% |
| Hit and run property damage | $1,990 | $3,229 | $1,239 | 62% |
| At-fault bodily injury accident | $1,990 | $2,671 | $681 | 34% |
| 1 At-fault property damage accident over $2K | $1,990 | $2,592 | $602 | 30% |
| 1 At-fault property damage accident under $2K | $1,990 | $2,592 | $602 | 30% |
| 1 comprehensive claim for over $2k | $1,990 | $2,046 | $57 | 3% |
| 1 comprehensive claim for under $2k | $1,990 | $2,046 | $57 | 3% |
Adding a teen driver to your insurance
Teen drivers are inexperienced, and are involved in more accidents than older drivers, so they cost more to insure. In Jacksonville, adding a 16-year-old daughter to your policy will hike your rates by $1,723 annually, or 87 percent. It's more for boys. Insuring your 16-year-old son will increase your yearly rate by $2,401, or 121 percent, according to CarInsurance.com rate data. If you're insuring a teen driver of any age, you can get expert tips, more rate data by age and details from our "Parents guide to insuring a teen driver."
Bad credit nearly doubles car insurance rates
Having a low credit score and poor credit history significantly increases how much you pay for car insurance, unless you live in Hawaii, California or Massachusetts where the practice is banned. Florida ranks fifteenth among the worst states for drivers with bad credit. Jacksonville drivers with bad credit can expect rates to go up by $1,368, or 69 percent, on average, yearly. Even with bad credit, you can still save money on car insurance, as some insurance companies will increase rates higher than others for those with less than perfect credit. That's why it's always prudent to compare car insurance quotes at least once a year.
SR-22 insurance
If you're convicted of a serious offense, such as DUI or reckless driving, you may be required to have your insurance company file an SR-22 form on your behalf. An SR-22 is a car insurance company’s guarantee to the state that you are carrying the legally mandated coverage. If you are required to have an SR-22 filed, your car insurance rates will increase. CarInsurance.com data show that for drivers in Jacksonville, your rate will go up by an average of $1,294, or 65 percent.
Driving in Jacksonville
Traffic in Jacksonville: As with many larger cities, traffic can be congested, especially during rush hour, but Jacksonville did not make a list of the worst U.S. cities for traffic recently reported by USA Today.
Car crashes: Major accidents have resulted in an average of 115 deaths a year in recent years (2012-2014).
Commuting: The average commute lasts 26.1 minutes.
Public transportation: The U.S. Census Bureau says that the majority of riders in Jacksonville who commute to work by public transportation are white (about 29 percent), Hispanic (about 9 percent) and black (about 58 percent). The bureau notes that commuting is the main reason people turn to mass transit.
High Occupancy Vehicle rules: The HOV lane, also known as the carpool or diamond lane, is designed to reduce traffic congestion and promote ride-sharing on freeways. In Florida, only vehicles with at least two people, mass transit vehicles like buses, and motorcycles are allowed to use the lanes. Use may be restricted during specified hours.
Smog rules: Florida does not require a smog test as part of the registration process, but does encourage drivers to have their vehicles tested regularly to reduce pollution.
Bad intersection: Where Blanding and Argyle Forest boulevards meet has consistently been called one of the worst intersections in Jacksonville.
The information was gathered from various sources, including the U.S. Census Bureau, the National Highway Traffic Safety Administration, Texas A&M Transportation Institute, the Insurance Institute for Highway Safety, state transportation departments and city police departments.