Car Insurance in Jacksonville, FL (June 2023)

Jacksonville is the largest city by area in the United States. This means there would be more vehicles on the road, and the chances of accidents are high. That’s why you need comprehensive car insurance in Jacksonville. Way.com has strived hard to find info on affordable car insurance rates for those who commute by car in Jacksonville.

Whether you live in LaVilla or San Marco, we can assist you in accessing the best car insurance in Jacksonville, FL.

How Much Does Car Insurance Cost In Jacksonville?

Jacksonville Rates Vs Florida Vs United States Averages

In Jacksonville, the average cost for auto insurance is $2460 per year, and this is lower than the Florida average of $2600 and higher than the national average of $1540. Our Jacksonville car insurance guide includes average rates based on credit score, age, driving history, and marital status.

Jacksonville Auto Insurance Premiums By Company

Auto insurance rates in Jacksonville depend on the company you choose. State Farm offers the most affordable car insurance premium in Jacksonville. The cheap car insurance companies in Jacksonville are listed below. You can use this information to search, compare, and look for quotes that will suit your driving profile.

Jacksonville Auto Insurance Premiums By Age Group

Jacksonville's average car insurance rates differ according to the driver’s age. Teenage drivers pay the highest insurance premiums in Jacksonville, and Jacksonville drivers in their 20s on average pay $2750 per year, and drivers in their 60s pay $2180.

Jacksonville Auto Insurance Premiums By Marital status

In Jacksonville, the driver’s marital status will affect car insurance rates. Single drivers in Jacksonville pay more than married drivers. Also, the average insurance rates for widowed drivers are higher than for single people.

Jacksonville Auto Insurance Premiums By Gender

Your location, the type model of your car, your age, and your gender plays a vital role in determining the car insurance rates in Jacksonville.

Jacksonville Auto Insurance Premiums By Driving Record

Reckless driving charges, speeding tickets, DWIs and DUIs, and at-fault accidents can increase insurance rates. To keep your auto insurance rates low, avoid accidents, citations and always maintain a clean driving record.

On average, Jacksonville drivers convicted of reckless driving face an increase of $1025 per year compared to the city average. On average, a DUI violation can cost an increase of $1055 per year, while a speeding citation can have an increase of $450.

Jacksonville Auto Insurance Premiums By Credit Rating

The driver’s credit score is often correlated with the cost of car insurance. Moving from the "Very Poor" tier (300-579) to the "Exceptional" tier (800-850) in Jacksonville can help you save 60% in car insurance costs. Also, moving from "Very Poor" to "Fair" credit is vital for lowering auto insurance rates. In Jacksonville, improving your credit score to "Fair" could result in a $1540 decrease in average yearly car insurance rates.

Jacksonville Auto Insurance Premiums By Zip Code

The cost of auto insurance varies depending on where you live, even within the same neighborhood. Some areas of a city may have a higher rate of accidents or thefts, which can result in a price increase.

What Would Increase Your Car Insurance Rate In Jacksonville?

Crime, vehicle theft, and uninsured drivers differ by ZIP code. That's why your location in Jacksonville plays a major role in deciding your car insurance rates, along with your credit score and driving history.

If you live in a neighborhood with a high crime and theft rate, car insurance companies will consider you a high risk. And your insurance rates may be higher than your neighbor down the street. Car insurance rates in Jacksonville follows the same rule.

Auto Theft Statistics In Jacksonville

Although Jacksonville is the largest city in Florida, the car theft rate is comparatively lower than in other cities like Tampa and Miami. Last year, the city reported close to 1250 stolen cars.

Accidents Statistics In Jacksonville

Florida is one of the most dangerous states in the United States for car drivers, and the same applies to Jacksonville. In 2020, more than 210 deadly crashes took place in Jacksonville, making it one of the most dangerous cities to drive in the country.

Useful Info for Driving in Jacksonville

The I-10 starts at Santa Monica and ends here. Interstate 10 and Interstate 95 intersect in Jacksonville, making it one of the busiest freeway interchanges in the region. The I-295, an auxiliary route of I-95, covers the entire downtown area.

CAR: If you plan to drive around Jacksonville in your car, use Google Maps to navigate. Use parking apps like Way.com to pre-book affordable parking. On Way.com, you can compare the parking rates facilities offered and choose the best spot near you.

RIDESHARING APPS: If you’re someone who prefers ridesharing apps to get around Jacksonville, here’s a list you can use:

• Scoop
• Lyft
• Uber

Jacksonville Transport Authority (JTA) : The JTA is responsible for Jacksonville's public transit and roadways infrastructure. It has 220 buses in its fleet and runs on 56 routes. Using a STAR card, passengers can access the buses. JTA offers reduced fares to senior citizens and university students.

Skyway: The JTA operates the Jacksonville Skyway, and it comprises two routes across 2.5 miles. It serves eight stations and crosses the St. Johns River on the Acosta Bridge. There is currently no fare to ride the Skyway.

Car Insurance Companies in Jacksonville

If you own a car and drive it, you need auto insurance. Every car owner in Jacksonville needs auto insurance for protection, and Florida law requires it.

Here are the top car insurance companies in Jacksonville: