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Do you need cheap auto insurance in Jacksonville FL? At AutoInsuranceEZ.com, you will discover the cheapest insurance rates close to you. To find free car insurance quotes from the best providers today, enter your zip code into the quote box on this page.

Jacksonville is rich in both riverside and seaside coastline. This, when combined with its sunny and tropical climate, make Jacksonville a haven for the old and young alike. In addition to a growing retirement community, Jacksonville is host to many tourists each year who flock to the cultural and historical monuments within the city. And because of its easy access to the sea, Jacksonville is the home of one of the largest Naval bases in the entire United States.

  • Fun Fact: Did you know that Jacksonville is ranked #3 on the list of “101 Cities with the Largest Percentage of Females in Law Enforcement Positions”? Learn more about Jacksonville, FL.

Auto Insurance Coverage Requirements in Florida

As per Florida law, Jacksonville motorists must purchase at least this much automotive insurance:

Coverage Requirements Most Common
Bodily Injury Liability Not required 100,000/300,000
Property Damage Liability 10,000 50,000
Uninsured Motorist Bodily Injury Not required 10,000/20,000
Medical Payments Not required 5,000
Collision Not required 500 deductible
Comprehensive Not required 250 deductible

Additionally, drivers who are currently financing their vehicle may be required to purchase Comprehensive and Collision coverage too. Carriers contemplate different elements when assessing insurance quotes, including marital status, the type of vehicle you own, your level of education, and your current insurance coverage (including how long you’ve been covered and your current limits). Additionally, premiums differ from provider to provider. To make sure you’re still paying the most affordable rate, compare average Florida car insurance premiums online now.

Did you know that Jacksonville drivers have some of the lowest insurance rates in the state? Depending on your provider, you could be paying as little as $74/month*, which is well below the state average of $153.

Average Monthly Auto Insurance Premiums Legend: Jacksonville 21st Century Allied Allstate Amica Liberty Mutual 10 20 30 40 50 60 70 80 $75 $77 $68 $61 $87

 

If you absolutely must pay the lowest monthly premium possible, then your best bets are either Allstate or Amica. However, there are other factors at play, such as customer service and ease of claim filing. Depending on what company attributes are more important to you, a slightly higher premium might be worth the money in the long run.

Carriers contemplate different elements when assessing insurance quotes, including marital status, the type of vehicle you own, your level of education, and your current insurance coverage (including how long you’ve been covered and your current limits). Additionally, premiums differ from provider to provider. To make sure you’re still paying the most affordable rate, compare quotes online for Florida car insurance by clicking here.

Major Car Insurance Factors in Jacksonville

There are quite a lot of factors that can have an impact on the rate quotes you end up getting. While some of these aspects aren’t really anything you can solve, some of them are ones you can make changes to improve. Here are factors that might affect your car insurance premium:

  • Your Zip Code

Auto insurance rates can fluctuate depending on where you park your vehicle each night. The more populous your city is, the higher the likelihood of an accident, so insurance companies may charge higher rates in order to protect themselves from the inevitable expense. As far as Jacksonville is concerned, the population was 842583 back in July of 2013. The median household income is estimated to be $47,424.

Auto Insurance by Zip Code Legend: Miami Orlando Jacksonville St. Petersburg Tampa 21st Century Allied Allstate Amica Liberty Mutual 15 30 45 60 75 90 105 120 135 150 $112 $62 $67 $81 $80 $120 $70 $61 $89 $103 $125 $122 $104 $145 $148 $161 $68 $68 $90 $102 $138 $71 $75 $77 $78

 

  • Automotive Accidents

Unfortunately for Jacksonville motorists, this city has some of the highest accident rates in the state of Florida. There were 230 people involved in fatal crashes during 2013, with 172 vehicles also involved in accidents that resulted in death.

Fatal Accidents in Jacksonville, FL Legend: Jacksonville Fatal accident count Vehicles involved in fatal crashes Fatal crashes involving drunk persons Fatalities Persons involved in fatal crashes Pedestrians involved in fatal accidents 25 50 75 100 125 150 175 200 225 119 172 42 126 230 41

 

  • Auto Thefts in Jacksonville

Several factors may influence whether or not your vehicle is vulnerable to auto theft. Expensive and/or luxury cars run a higher risk of theft, as well as popular models with easily interchangeable parts. Additionally, urban areas (especially those with an exceptionally high crime rate) pose a further risk. The city of Jacksonville had 1,577 reported auto thefts in 2013, which is part of a slow decline in theft over the last few years. If you feel that you are at risk for auto theft or vandalism, be sure to add Comprehensive coverage to your policy. As you can see, it will raise your monthly rate, but it might be more affordable than replacing a stolen car.

Basic vs. Comprehensive Auto Policy Legend: Basic Coverage Comprehensive Coverage 21st Century Allied Allstate Amica Liberty Mutual 25 50 75 100 125 150 175 200 225 $75 $224 $77 $176 $68 $138 $61 $139 $87 $229

 

  • Your Credit Score

Like with many things in life, a high credit score will entitle you to some financial perks. One such perk is a lower monthly premium on your automotive insurance policy. Conversely, drivers with lower credit scores will be expected to pay more per month in order to maintain insurance coverage.

Auto Insurance by Credit Score Legend: Excellent Credit Poor Credit 21st Century Allied Allstate Amica Liberty Mutual 20 40 60 80 100 120 140 160 180 200 $124 $173 $102 $169 $65 $151 $76 $94 $103 $212

 

  • Your Age

Younger drivers are consistently charged higher monthly rates for their automobile insurance, no matter what insurance company is underwriting the policy. You might say it’s the price of growing up. If you are a new driver, ask your insurance agent about good student and Driver’s Education discounts. It could save you a bundle. Older drivers, on the other hand, will generally pay much less for coverage. This is because their driving experience makes them less likely to get into an accident.

Auto Policy Age Comparison Legend: 34 Year Old 17 Year Old 21st Century Allied Allstate Amica Liberty Mutual 50 100 150 200 250 300 350 400 $75 $270 $77 $313 $68 $432 $61 $300 $87 $368

 

  • Your Driving Record

As you can see from the chart, serious driving violations will make a serious impact on your monthly premium. And if the violation is severe enough, such as reckless driving or a DUI, you may lose your coverage all together. However, for less serious violations, you have options. Talk to your insurance agent, and see if your provider offers “Accident Forgiveness” discounts.

Driving Violations Legend: Perfect Record Minor Speeding Ticket DUI/Reckless Driving Major At-Fault Accident 21st Century Allied Allstate Amica Liberty Mutual 20 40 60 80 100 120 140 160 180 $75 $144 $190 $189 $77 $118 $196 $127 $68 $75 $87 $97 $61 $81 $149 $81 $87 $131 Do Not Sell $106

 

  • Your Vehicle

From one economy car to another, monthly premiums don’t vary by much. The big difference comes when you choose between an economy and a luxury vehicle. Not only are luxury vehicles more expensive to pay out claims on, but you’ll need a more comprehensive insurance policy in order to protect yourself from damage, accidents, and/or theft.

Car Insurance by Make/Model Legend: 2015 Honda Accord 2012 Porche Boxster Spyder 21st Century Allied Allstate Amica Liberty Mutual 25 50 75 100 125 150 175 200 225 250 $75 $234 $77 $143 $68 $131 $61 $158 $87 $252

 

Minor Car Insurance Factors in Jacksonville

These factors below can also influence your rate, but in subtle ways:

  • Your Marital Status

Believe it or not, there is less than a 3% difference in monthly rates for married, single, or divorced drivers. And whether or not you are charged a different rate is based entirely on your provider. Some charge you more for being single, some reward you with a slightly lower rate, and still others charge the same price regardless of your relationship status. Married couples can save big, though, if they bundle their policies together under the same plan and provider.

  • Your Gender

Think women are terrible drivers? Well, your insurance provider will most likely beg to differ. Many companies these days are offering the exact same monthly premiums, regardless of gender. And providers who charge different premiums for men and women only do so by a few dollars per month.

  • Your Driving Distance to Work

Travel time to work in Jacksonville can last about 24 minutes on average. And while on that commute, 80.5% of people get to work by driving alone in their vehicle (as opposed to the 10.2% of motorists who carpool).

Most people believe that if you drive more miles on an annual basis, you’ll be charged more for your insurance rates. While some companies might charge more, others don’t. The biggest factor revolves around what you use your vehicle for. If your car, truck, or SUV is used as a business vehicle, expect to pay about 10-15% more per month in premiums.

  • Your Coverage and Deductibles

Trying to save money every month on your insurance? Many drivers achieve this goal by purchasing less coverage. But you can also purchase a few extra coverage benefits and offset the monthly cost for yourself by raising your deductible. Just make sure you put a little money away, should you need to shell out the cash in the event that you need to file a claim.

  • Education in Jacksonville, FL

Adults with a higher level of education can save money on their automobile insurance. The majority of Jacksonville motorists have either attained a high school diploma or have dropped out of high school. Unfortunately, even if you’re making a decent living at a respectable job, a lack of formal education could result in higher monthly auto insurance premiums.

If you live in Jacksonville, there are several institutions for higher education which serve the immediate area. The Florida Community College at Jacksonville is comprised of over 41,000 students attending both full- and part-time. If you’re looking into a state school, the University of North Florida has over 12,000 enrolled students. And the popular University of Florida in Gainesville has a grand total of 4 schools and 16 colleges for you to choose from.

For most consumers, discovering your individual financial risk can be extremely difficult. Insurance companies have an advantage over consumers due to their statistics and experiential knowledge. Discover the secrets your insurance might be keeping from you (and get yourself a lower automobile insurance rate).

How We Conducted Our Car Insurance Analysis

*We calculated our average rate based on the following metrics: a married, 34 year old male with good credit, a 12-month history of maintaining auto insurance, a clean driving record, who owns his own home. Miles driven annually were based on the national average. The average rate was also calculated based on a financed 2015 Honda Accord with a pre-installed anti-theft device.

Sources:

Florida Office of Insurance Regulation

Florida Department of Financial Services

Department of Highway Safety and Motor Vehicles

City-Data.com

Census.gov

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