Chris Tepedino is a feature writer that has written extensively about car insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, research investigative pieces…

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states…

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Reviewed byRachael Brennan
Licensed Insurance Agent for 14 Years

UPDATED: Mar 26, 2020

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Jacksonville City
City Population892,062
City Density1,177 people per square mile
Average Cost of
Car Insurance in
Cheapest Car Insurance CompanyUSAA + State Farm
Road ConditionsPoor Share: 4%
Mediocre Share: 33%
Fair Share: 8%
Good Share: 55%
Vehicle Operating Costs: $297
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Welcome to Jacksonville! With many things to do and places to see and streets filled with pedestrians, taxis, and all makes and models of transportation, driving can be pretty tricky here.

Accidents happen, and when they do, they can really put a strain on your wallet. Are you prepared? Do you have the right auto insurance coverage for your needs in Jacksonville?

In this comprehensive guide, we’re going to show you insurance rates, company comparisons, and all the factors that make Jacksonville such a great city.

Ready to search for auto insurance right now? Enter your ZIP code to get started.

Want to learn more before you start shopping? Keep reading.

Table of Contents

Auto Insurance Rates in Jacksonville

The average cost of car insurance in Jacksonville is about $3,450 per year. Car insurance rates are based on many factors, including your age, credit history, marital status, and whether you live in Arlington or closer to Jacksonville Heights.

In this section, we’re going to show you the specific rates that folks pay for their car insurance in Jacksonville based on some of these factors. Of course, these rates are averages, and your rates can be higher or lower, depending on your circumstances.

Does gender and age affect my auto insurance in Jacksonville?

Age plays a significant role when it comes to the cost of auto insurance. Not only do folks over 50 get discounts on everything from groceries to hotels, but they also pay less for auto insurance. Young drivers, on the other hand, pay more for insurance than any other demographic.

What about gender? Seven states (CA, HI, MA, MT, PA, NC, and parts of MI) have passed legislation prohibiting insurance companies from taking gender into account when setting rates. Since Florida is not one of the seven, your gender may be figured into your rate. As our research will show, young male drivers have the most expensive rates.

According to DataUSA, the mean age in Jacksonville is 36 years old.

Let’s review the average rates charged by insurance companies in Jacksonville for different age groups. Take a look at the table below.

AgeAnnual Jacksonville Auto Insurance Rates by Age
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Teenage drivers pay the most for their car insurance, while those in their 20s have the second-highest rates. As you can see, rates drop by thousands of dollars as drivers mature.

But how does gender affect your rate in Jacksonville?

Women pay less for car insurance, but the difference is not dramatic. In Jacksonville, men pay an average of $4,476, while women spend $4,235 per year for the same policy.

The table below pulls all of these stats together: age, gender, and marital status.

DemographicAnnual Jacksonville Auto Insurance Rates by Age & Gender
Married 60-year-old female$2,652.81
Married 60-year-old male$2,705.99
Married 35-year-old female$2,960.86
Married 35-year-old male$2,901.74
Single 25-year-old female$3,251.53
Single 25-year-old male$3,489.82
Single 17-year-old female$8,074.86
Single 17-year-old male$9,773.12
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Good news if you’re married and approaching retirement age:  you pay the least for car insurance of any demographic.

What are the cheapest ZIP codes in Jacksonville?

Where you call home in Jacksonville can impact how much you pay for car insurance, as well.

For example, if you live in a neighborhood with high crime rates, odds are you’re going to pay more for your auto insurance than someone that lives in an area where vehicle theft is a rare occurrence.

Check out the table below to see the average car insurance rates based on ZIP code.

ZIP CodeAnnual Average Jacksonville Auto Insurance Rates by ZIP Code
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As you can see in the data, the difference in rates between the least and most expensive ZIP codes in Jacksonville is around $300. Let’s keep going to see what other factors have an impact on your car insurance rates.

What’s the best car insurance company in Jacksonville?

The word best can mean different things to different people. In the sections below, we’ll discuss what makes an insurance company great and see if we can find you a good deal in the process.

Cheapest Car Insurance Rates by Company in Jacksonville

Many of us are looking for ways to save money. From brown-bagging lunch to work to clipping coupons at home, saving money is a great way to build a nest egg and prepare for the future.

What about car insurance?

Who’s the cheapest? Most of the top providers are licensed in Jacksonville. For your convenience, we’ve listed those companies and their average annual costs in the table below.

CompanyMarried 60-Year-Old FemaleMarried 60-Year-Old MaleMarried 35-Year-Old FemaleMarried 35-Year-Old MaleSingle 25-Year-Old FemaleSingle 25-Year-Old MaleSingle 17-Year-Old FemaleSingle 17-Year-Old MaleAverage
Liberty Mutual$3,098.99$3,098.99$3,383.94$3,383.94$3,383.94$4,593.50$7,176.85$11,065.88$4,898.25
State Farm$1,945.81$1,945.81$2,147.55$2,147.55$2,387.28$2,569.20$6,352.90$8,143.11$3,454.90
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USAA has the cheapest rates overall, followed by State Farm and Geico. Keep in mind, though, that USAA is only available to military personnel and their families.

Best Car Insurance for Commute Rates in Jacksonville

According to the Federal Highway Administration, Florida drivers average more than 14,465 miles on the road each year, which is more than the national average of 14,312. How far do you drive to work every day?

 Did you know your daily commute has an impact on your car insurance rate?

We partnered with Quadrant Data Solutions to understand the impact of an above-average commute on your insurance rate. Check out the chart below to see how your commute stacks up against what others pay.

Company10 Miles Commute / 6,000 Annual Mileage25 Miles Commute / 12,000 Annual MileageAverage
Liberty Mutual$4,739.30$5,057.20$4,898.25
State Farm$3,337.23$3,572.57$3,454.90
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Of the top providers in Jacksonville, only two carriers, Nationwide and Progressive, have the same rates no matter how far you drive.

Best Car Insurance for Coverage Level Rates in Jacksonville

If you’re looking to save a buck, maybe you’re thinking you’ll just sign up for the state minimum coverage so you can stay legal on the road. You should keep in mind that investing a little more for a higher level of coverage can save you thousands of dollars if you’re ever involved in a major accident.

Often, the price difference between levels of coverage isn’t that steep. Take a look at the next table to see what the biggest insurance companies in Jacksonville charge on average.

Liberty Mutual$4,471.00$4,982.03$5,241.73$4,898.25
State Farm$2,940.14$3,541.20$3,883.36$3,454.90
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Liberty Mutual, State Farm, and USAA charge customers around $300 to increase coverage from medium to high. It’s something worth considering if you drive a more expensive car or want to protect your loved ones from catastrophic loss.

You might be wondering at this point, what is the state minimum car insurance requirement in Florida?

The state-mandated minimum auto insurance coverage (effective January 1, 2020) needed to drive legally in Florida is:

  • Bodily Injury Liability — $10,000 for one person
  • Property Damage Liability — $20,000 per accident
  • Personal Injury Protection — $10,000 per person

However, this is just the minimum. It’s never a bad idea to invest in additional coverage.

Best Car Insurance for Credit History Rates in Jacksonville

Having poor credit can make it difficult to rent an apartment or secure a loan from the bank. But did you know it can also affect how much you pay for car insurance?

The following table shows how much rates can vary based on your credit score among the top providers in Jacksonville.

Liberty Mutual$3,749.33$4,629.77$6,315.65$4,898.25
State Farm$2,537.57$3,097.17$4,729.97$3,454.90
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The average credit score in the U.S. is 675. If your credit score is lower than this, you may face increased rates on car insurance. As the data reflects, having a poor credit score can increase your rates by $2,000 with most companies.

Best Car Insurance for Driving Record Rates in Jacksonville

If you get a speeding ticket, have an accident, or get a DUI, your rates will probably increase in most situations.

The table below shows rates with these three violations compared to the rate for a clean record.

CompanyClean RecordWith 1 Speeding ViolationWith 1 AccidentWith 1 DUIAverage
Liberty Mutual$3,553.08$4,824.02$4,593.66$6,622.25$4,923.00
State Farm$3,157.46$3,454.89$3,752.36$3,454.89$3,454.90
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Numbers don’t lie. A speeding ticket with State Farm as your insurer will raise your rates by $300. And a DUI? Well, we hope you never drink and drive, but if you do and you get caught, you can expect your rates to go up thousands of dollars with most companies.

What are some car insurance factors in Jacksonville?

Auto insurance rates are based on more than just the factors listed above. Prices are also determined based on city-specific factors, such as your ZIP code, economic prosperity in your city, and average income levels.

In this section, we’ll discuss how these external factors influence your car insurance rates in Jacksonville.

Jacksonville Metro Report

How’s the economy doing? As the third-largest city with a major military presence, Jacksonville’s economy is closely tied to the bases located nearby.

According to the Brookings Institute, the Jacksonville area ranked 17th in growth and 61st in prosperity between 2007-2017.

It ranked 61st overall in prosperity.

  • Productivity — +0.4 percent (70th of 100)
  • Standard of living — +1.5 percent (51st of 100)
  • Average annual wage — +0.9 percent (59th of 100)

It ranked 17th in growth.

  • Jobs — +3.1 percent (8th of 100)
  • Gross metropolitan product (GMP) — +3.5 percent (18th of 100)
  • Jobs at young firms — +2.8 percent (60nd of 100)

What does a healthy economy mean to you as a car insurance consumer? For starters, it means car insurance companies are competing for your business, which translates to better rates for you when you set out to purchase your policy.

Median Household Income in Jacksonville

According to DataUSA, the median household income in Jacksonville is $51,947, while the national median household income is $60,336.

The average cost of car insurance in Jacksonville is $3,449.95. This means Jacksonville residents spend an average of about 6.7 percent of their total income on car insurance alone.

If you want to determine how much of your income is going toward your car insurance payment, use our handy calculator tool below.

Homeownership in Jacksonville

Homeownership rates can tell us a lot about the general health of local economies, and insurance providers usually charge lower rates to customers that own their own homes.

Homeowners may also qualify for discounts with their insurance providers if they choose to bundle their policies, so make sure to ask about this if you speak to an agent while you’re shopping around.

In 2017, about 54.7 percent of homes in Jacksonville were owner-occupied. If you’re thinking of buying a home in the Jacksonville area, you may be interested to know that the median property value is around $177,000.

Education in Jacksonville

Maybe you’re thinking about going back to school?

According to the number of degrees conferred, the top three universities in Jacksonville are:

  • Florida State College at Jacksonville (8,029 degrees awarded)
  • The University of North Florida (4,267 degrees awarded)
  • Jacksonville University (1,338 degrees awarded)

Or if you’re not after a bachelor’s degree, a community college offering two-year degrees or technical certificates and diplomas might be a better option. Florida State College at Jacksonville is the largest community college in the city.

Wage by Race and Ethnicity in Common Jobs in Jacksonville

According to DataUSA, Asians are the highest-paid ethnicity in Florida, followed by whites and American Indians. The following table lists the average salaries for the demographics mentioned above.

Race and Ethnicity in JacksonvilleAverage Salaries
American Indian$40,596
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It may not seem like that big of a deal, but pay disparities can affect a person’s disposable income in a big way.

Asians working in management positions are making almost double what American Indians are making in the same line of work. This means the percentage of an American Indian person’s income going to car insurance (and their other bills) is significantly higher than an Asian person’s percentage.

Wage by Gender in Common Jobs in Jacksonville

While we’re on the subject, for every dollar a man earns, a woman earns just 79 cents. Although the wage gap is closing among male and female workers, there is still much room for improvement to make sure equal pay for equal work is a reality.

According to DataUSA, the average male salary in Florida is $62,257, while the average salary for females is $46,612.

Poverty by Age and Gender in Jacksonville

In Jacksonville, 16.1 percent of the city’s population lives below the poverty line, while the national average is 13.4 percent.

Females aged 25-34 are the largest demographic living below the poverty line, while males in the same age group face similar challenges.

Poverty by Race and Ethnicity

Blacks constitute the largest share (44 percent) of people living below the poverty line. Whites are next in line at 38.4 percent, followed by Hispanics at 9.2 percent.

Employment by Occupations in Jacksonville

What about job opportunities in Jacksonville? From 2017 to 2018, employment in Jacksonville grew at a rate of 2.06 percent, from 427,000 employees to 436,000 employees.

The following occupations are the most common in Jacksonville:

  • Office and Administrative Support Occupations: 51,999 people
  • Sales and Related Occupations: 43,466 people
  • Management Occupations: 40,243 people

The highest-paid jobs in Jacksonville are in the legal profession.

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Driving in Jacksonville

We’ve mentioned in the sections above that your credit score, driving record, ZIP code, and other factors contribute to the cost of your auto insurance. But insurance providers also base rates on the car you drive, road conditions and traffic congestion in your area, crime reports, and much more.

What are major roads in Jacksonville?

The Jacksonville metropolitan area is the largest in Florida and consists of many types of roads. If you’re new to town, you might find some roads confusing or disorienting. Your GPS wants you to turn left, but somehow, you’ve managed to turn into a dead-end street, and your device goes into “recalculating mode.” It can be very frustrating.

In this section, we’ll cover the highways, interstates, and popular tourist spots to make it easier for you to get around the city.

Major Highways in Jacksonville

The main interstate that runs along the eastern coast of the United States is I-95. It is 1,917 miles long and connects Florida to Maine. Check out the video below that shows I-95 running through Jacksonville.

The state of Florida has 12 active routes running through the state, comprising a total of 1,497.58 miles of roadway. These active interstates include:

  • I-4
  • I-10
  • I-75
  • I-95
  • I-110
  • I-175
  • I-275
  • I-375
  • I-195
  • I-295
  • I-395
  • I-595
  • I-795

But I-95 isn’t the only major roadway in Jacksonville.

Interstate 95 borders the east side of Jacksonville while I-10 bisects the city. As is typical with most cities, Jacksonville has a bypass, Interstate 295, to circumvent downtown congestion. Additionally, in 2019, Jacksonville began assessing tolls on I-295 to be collected during peak traffic times.

Popular Road Trips in Jacksonville

Residents in Jacksonville have easy access to some of North Florida’s best destinations. Whether you want to explore downtown, relax on the beach, or check out the cultural scene, Jacksonville’s central location makes getting around a breeze.

Watch this video to learn more about some of the best things to do in Jacksonville.

But what else is there to do in Jacksonville? Check out this list from offering their top spots to enjoy in the Jacksonville area.

  1. Catty Shack Ranch Wildlife Sanctuary
  2. Big Talbot and Little Talbot Islands
  3.  Autobahn Indoor Speedway
  4. Riverside Arts Market
  5.  MOSH–Museum of Science and History
  6. Clark’s Fish Camp
  7. Cummer Museum of Art and Gardens
  8. Brewery Tours

And you’ll definitely want to spend some time at one (or all) of Jacksonville’s three beaches — Atlantic, Neptune, and Jacksonville Beach.

 Road Conditions in Jacksonville

The roads in Jacksonville are in great shape, but you can always check the FL 511 app for real-time traffic and road closure updates.

We also want to show you specific information about conditions in Jacksonville compiled by Here’s how the percentages break down:

  • Poor Share — 4 percent
  • Mediocre Share — 33 percent
  • Fair Share — 8 percent
  • Good Share 55 percent

Poor road conditions cost the average Jacksonville driver over $297 yearly in vehicle operating costs.

Does Jacksonville use speeding or red-light cameras?

Florida is one of the states that use automated enforcement laws. In other words, Florida residents statewide will encounter red-light cameras. However, the city of Jacksonville discontinued this practice in 2017.

Even though red-light cameras are no longer used, it still doesn’t pay to run a red-light because you can still be pulled over. This could result in fines and points on your record, plus a higher insurance premium.

What type of vehicles are in Jacksonville?

Your auto insurance provider will also want to know what car you drive, and your rate might be higher if your make and model is a favorite among thieves. Let’s take a closer look at cars in Jacksonville.

Most Popular Vehicles Owned in Jacksonville

So, what do people drive in Jacksonville? The city is bright, sunny, and always warm. Is everyone driving around with the top down? Not according to an article by Your Mechanic, which says the Chevy Impala is the most popular vehicle in Jacksonville.

Check out this cool video about the history of the Impala.

With its standard engine, the 2019 Impala gets an EPA-estimated 22 mpg in the city and 29 mpg on the highway. The 2020 Impala received a 5-Star Overall Vehicle Score for safety from the National Highway Traffic Safety Administration, and MSRP starts at $31,620.

How Many Cars Per Household in Jacksonville

How many vehicles do you own? In Jacksonville, the average household has two vehicles, which is on par with the national average. The second-most common number of vehicles per household is one.

If you own more than one vehicle, make sure you ask your insurance provider if they offer a discount for a multi-vehicle policy.

Households Without a Car in Jacksonville

Residents in Jacksonville are pretty big on driving, so only 8.7 percent of households do not own a car.

If you don’t own a car, that doesn’t necessarily mean you don’t need insurance.

Many providers offer non-owner car insurance for people who drive on occasion, even if they don’t personally own a vehicle.

Speed Traps in Jacksonville

According to the website, residents report that Jacksonville has numerous speed traps throughout the city.

If you’re not sure what a speed trap is or how it works, watch the video below.

Hopefully, getting caught in a speed trap isn’t something you worry about, because you always obey posted speed limit signs when driving. One of the best ways to keep your car insurance premiums low is to avoid getting speeding tickets.

Vehicle Theft in Jacksonville

According to the FBI, 2,925 vehicle thefts occurred in Jacksonville in 2018. When considering your next car purchase, one thing to consider is that certain vehicles are stolen more often than others, and as previously mentioned, this factor could raise your insurance rates.

Another thing that could impact your car insurance rates is the safety of your neighborhood. The safest communities in Jacksonville, according to Neighborhood Scout, are as follows:

  1. Scott Mill Rd / Mandarin Rd
  2. Gately Rd / Broken Bow Dr E
  3. Mandarin
  4. Bayard
  5. Greenland Rd / Tierra Verde Ln
  6. Fort George Island / Dames Point
  7. Hodges Blvd / Atlantic Blvd
  8. Hood Rd / Hornets Nest Rd
  9. Greenfield
  10. Beach Blvd / Hodges Blvd

Unfortunately, Jacksonville has one of the highest crime rates in the country. There were 109 murders in Jacksonville in 2018, and the city only ranks at an eight (out of 100) in Neighborhood Scout’s crime index, meaning it is only safer than 8 percent of U.S. cities.

The table below shows the incidents of violent crime in Jacksonville, Florida in 2018.

Jacksonville Violent Crimes 2018MurderRapeRobberyAssault
Report Total1095481,3833,671
Rate per 1,0000.120.611.554.12
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Regardless of what neighborhood you live in, it’s always a good idea to have extra coverage on your vehicles to protect yourself and your investment.

How is traffic in Jacksonville?

Aggressive drivers. Distracted drivers. Road construction. Traffic. We’ve all been frustrated by these things at one point or another.

It’s the worst. All of us would rather be doing anything else than wasting time stuck in a traffic jam.

Traffic Congestion in Jacksonville

According to INRIX, Jacksonville residents spent 60 hours stuck in congestion in 2018, at an average cost of $840 per driver. It ranks as the 39th-most congested city in the country.

You can stay ahead of traffic by using the FL 511 app or websites like, especially if you need to commute into the downtown area where congestion can be a major issue.

Transportation in Jacksonville

According to DataUSA, the average commute time in Jacksonville is 24.2 minutes, which is lower than the national average of 25.1 minutes. Additionally, 1.39 percent of Jacksonville residents have super commutes of over 90 minutes.

In Jacksonville, more than 79 percent of commuters drive alone on their daily commute, and around 10 percent choose to carpool. Around 5 percent have no commute at all because they work from home. Lucky them!

Busiest Highways in Jacksonville

The busiest highway in Jacksonville is the interchange between Interstate 95 and Interstate 10 in downtown Jacksonville. Estimates say over 200,000 vehicles utilize this section of the road daily.

How safe are Jacksonville streets and roads?

To understand the safety of roads in Jacksonville, we can refer to data provided by the National Highway Traffic Safety Administration. However, the data from NHTSA is at the county level. Jacksonville is in Duval County, so we’ll show you data from that county and others nearby.

The following chart shows the fatalities by county for the state of Florida from 2013-2017.

Jacksonville County20132014201520162017
Indian River2222242628
Palm Beach137130187181162
Santa Rosa3118191319
St. Johns3139373042
St. Lucie3338363541
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Duval County ranks sixth in Florida for fatalities over the look-back period.

Since the fatal crash totals are listed by county, we’ll look at Jacksonville’s Duval County and the adjacent counties of Baker, Nassau, Clay, and St. Johns.

The data provided below will show the different types of crashes that caused fatalities in these counties.

First, we’ll show you the total alcohol-related fatalities.

Jacksonville CountyFatalities
St. Johns1099108
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Duval County had 172 traffic fatalities resulting from alcohol-impaired driving during our five-year lookback period.

Even one fatality is too many. If you’ve been drinking, call an Uber, take a cab or public transit, or ask a friend for a ride.

Now, let’s look at the fatalities involving single-vehicle crashes.

Jacksonville CountyFatalities
St. Johns2220182216
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Duval County had 78 single-vehicle accidents resulting in fatalities in 2018.

Speeding is another major factor in fatal car accidents. Check out the stats for fatal crashes caused by speeding below.

Jacksonville CountyFatalities
St. Johns62143
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Speeding killed 15 people in Jacksonville in 2018. Again, these are senseless deaths. Please obey the posted speed limits.

Roadway departure accidents are those in which vehicles collide and leave the roadway upon impact. Here are the numbers for fatalities that involved roadway departures.

Jacksonville CountyFatalities
St. Johns1514111711
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Duval County had the most fatalities in 2018 at 46, followed by St. Johns County, which had 11 fatalities.

What about intersections? The NHTSA records fatalities that happen in intersections as well. Let’s look at the fatality totals in the table below.

Jacksonville CountyFatalities
St. Johns71081111
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Duval County leads the way again in this type of accident, which is logical because it has more intersections.

Now let’s see how many passengers were killed in fatal accidents.

Jacksonville CountyFatalities
St. Johns1510121612
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Sadly, Duval County had 52 passenger fatalities in 2018.

Below are the total numbers of pedestrians killed in fatal car accidents for each county.

Jacksonville CountyFatalities
St. Johns98688
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From 2014-2018, there were 186 fatal crashes involving pedestrians in Duval County.

We’ll wrap up the crash fatality statistics with this last table featuring pedalcyclist fatalities.

Jacksonville CountyFatalities
St. Johns24112
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Twenty-five pedalcyclists lost their lives in Duval County during our lookback period.

We also look to the NHTSA for information on which types of roads are the most dangerous to drive on in Duval County.

Florida Road TypeFatal Crash Rate
Freeway and Expressway84
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From the data, you can see that more fatalities occurred on urban roadways, which makes sense, as there is generally more traffic and congestion on city streets.

In 2016, Duval County and the surrounding area also had nine deaths involving trains.

Allstate America’s Best Drivers Report

In 2019, Allstate created a list of the cities where drivers are least likely to get into a car accident. Jacksonville drivers are doing pretty well, as the city ranks 69th out of 200 cities.

Needless to say, more accidents equal more insurance claims, and more claims translate to higher premiums.

An average driver in Jacksonville files an accident claim every 9.3 years. The national average for years between claims is 10.6.

Ridesharing in Jacksonville

According to RideGuru, the following rideshare services are available in Jacksonville:

  • Carmel
  • Jayride
  • SuperShuttle
  • Talixo
  • Lyft
  • Taxi
  • Uber

If you’re flying into Jacksonville and want a ride to the beach from the airport, you can expect to pay $32 with Lyft for the 25-mile trip, which is the cheapest service, and up to $61 for Carmel, which is the most expensive for a basic non-luxury vehicle ride.

E-Star® Repair Shops in Jacksonville

Has your car broken down, and you’re not sure where to take it? Esurance created the E-Star® repair shop network to make it easier for you to find reputable and top-quality repair shops in your area.

Check out the top 10 shops in Jacksonville:

Shop NameAddressContact Information
Gerber - Jacksonville - Cassat Ave.1340 Cassat Ave
Jacksonville FL 32205
P: (904) 381-6530
F: (904) 381-6526
Gerber - Jacksonville - Debutante Dr.1638 Debutante Dr
Jacksonville FL 32246
P: (904) 721-7781
F: (904) 721-2220
Gerber - Jacksonville - Main St.13349 North Main St
Jacksonville FL 32218
P: (904) 757-6500
F: (904) 757-1065
Gerber - Orange Park - Park Ave.629 Park Ave.
Orange Park FL 32073
P: (904) 269-8101
F: (904) 269-8797
Gerber - Palatka3517 Reid St
Palatka FL 32177
P: (386) 328-2671
F: (352) 328-0411
Gerber - St. Augustine/St. Rd 162120 State Road 16
Saint Augustine FL 32084
P: (904) 829-3769
F: (904) 823-9203
Prostar Collision Centers8655 Phillips Hwy
Jacksonville FL 32256
P: (904) 737-6850
F: (904) 737-6350
Service King Regency8929 Atlantic Blvd
Jacksonville FL 32211
P: (904) 725-2649
Stevenson Collision Center85049 Commercial Park Drive
Yulee FL 32097
P: (904) 225-3131
F: (904) 225-319
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Using one of these repair shops could save you a great deal of time and money.

What is the weather like in Jacksonville?

Florida is known for having beautiful weather, which is why it’s a favorite spot for vacationers and retirees. So what’s the weather like in Jacksonville? Let’s take a look.

  • Annual high temperature — 79.9°
  • Annual low temperature — 55.9°
  • Average temperature — 75.5°

Duval County has been hit with 21 natural disasters, which is considerably higher than the national average of 13. The majority of these disasters (10) have been hurricanes.

Is public transit available in Jacksonville?

Jacksonville Transportation Authority (JTA) manages public transportation in the city of Jacksonville. The authority operates buses, monorails, and ferries to connect different sections of the metropolitan area to downtown.

A one-time trip will cost $1.75, while a day pass is $4.50. To view the complete fee schedule for public transit in Jacksonville, check out the JTA website.

Passengers can also use the Star Card and the MyJTA app for faster boarding.

Are other Alternate Transportation options available in Jacksonville?

E-bikes are allowed on the roads in Florida. The Jacksonville Transportation Authority has plans underway to establish a local bike share system and has invited bike-sharing companies to begin operations in the city.

Is parking easy in Jacksonville?

There are many parking lots in downtown Jacksonville. Two-hour parking is available on the street, and you can pay by the hour to park in a parking garage. In downtown Jacksonville, there are more than 44,000 public parking spaces.

What about charging stations? According to ChargeHub, Jacksonville has 98 public charging station ports (Level 2 and Level 3) within a 10-mile radius. The two main charging networks in operation are ChargePoint and EVgo.

How is the air quality in Jacksonville?

A lot of cars on the road means more pollution, which leads to poor air quality. The Environmental Protection Agency (EPA) tracked the air quality in the Jacksonville area from 2017-2019. Take a look at the table below.

Jacksonville Air Quality Index201720182019
Days with AQI365365182
Good Days271267120
Days Moderate939162
Days Unhealthy for Sensitive Groups160
Days Unhealthy010
Days Very Unhealthy000
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While it’s good that Jacksonville saw very few unhealthy days, it’s unfortunate that the number of good days has declined over the span of these three years.

Military & Veterans in Jacksonville

Jacksonville has a significant military presence, as we previously mentioned. Here are the military bases located in the area:

  • Naval Air Station Jacksonville
  • Naval Station Mayport
  • Patrick AFB
  • Naval Submarine Base Kings Bay

Many insurance companies offer discounts to active duty military personnel, their families, and veterans.

The majority of veterans living in Jacksonville served in Vietnam and the Second Gulf War.

The following car insurance companies offer discounts to military veterans and current military members:

  • Allstate
  • Esurance
  • Farmers
  • Geico
  • Liberty Mutual
  • Metlife
  • Safe Auto
  • Safeco
  • State Farm
  • The General
  • USAA

But who has the cheapest insurance for those serving in the military? According to our data, USAA is generally the cheapest insurance provider for military members in the U.S. See the table below.

Liberty Mutual$4,471.00$4,982.03$5,241.73$4,898.25
State Farm$2,940.14$3,541.20$3,883.36$3,454.90
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In addition to having the cheapest rates, USAA offers discounts for military garages to hold vehicles on base during personnel deployment.

Unique City Laws in Jacksonville

If you’re new to Jacksonville, there may be some laws you’re unfamiliar with. For example, did you know it’s illegal to store a boat longer than 20 feet in your driveway? Boats, trailers, and RVs longer than 20 feet must be stored behind a building on your property.

Here are some other laws that may help you navigate around the city:

  • Hand-held devices — It is illegal in Florida to text or operate a phone while driving. The law currently allows drivers to receive phone calls except in hands-free zones such as near schools.
  • Food trucks — Food trucks are regulated by the City of Jacksonville. Vendors must purchase liability and commercial auto insurance to operate legally.
  • Tiny homes — With the popularity of tiny homes throughout the country, it’s no wonder that small houses are becoming trendy in Florida. A tiny home can be as small as 150 square feet and have a working kitchen, bathroom, and at least one bedroom.
  • Parking laws — Metered parking is available throughout Jacksonville. There are also parking facilities managed by the city that offer daily and monthly rates. Parking citations may be paid online on the City of Jacksonville’s website.

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Jacksonville Auto Insurance FAQs

Still have a few questions? Let’s see if we can answer them.

How much is auto insurance in Jacksonville?

The average cost of car insurance in Jacksonville is $3,449.95. However, your exact rate will depend on many factors, including your driving record, credit score, coverage level, and demographic details.

Are red-light cameras used in Jacksonville?

The city discontinued red-light cameras in 2017.

Is it expensive to live in Jacksonville?

According to a study by Sperling’s Best Places, the cost of living in Jacksonville is a bit lower than the national average.

Sperling’s cost of living index is based on a U.S. average of 100. An amount below 100 means Jacksonville is cheaper than the U.S. average, while the cost of living index above 100 means it is more expensive. Jacksonville ranked at 93.5.

The median home price in Jacksonville is $180,300.

Which company offers the cheapest car insurance in Jacksonville?

USAA is the cheapest insurance carrier in Jacksonville, followed by State Farm. The average premium from USAA is $2,799 per year, while State Farm charges an average of $3,454. Remember, USAA only services members of the military and their families.

What is the minimum car insurance required in Florida?

The minimum coverage required to drive legally in Florida is:

  • $10,000 personal injury protection (PIP)
  • $10,000 property damage liability (PDL)

What else do I need to know about Jacksonville?

That’s a good question. It’s a growing city with a vibrant downtown. Its location on the East Coast provides easy access to many vacation destinations throughout the southeast.

What part of this guide was the most helpful? Was there something we could explain better so that you can make a more informed car insurance decision?

If you’re ready to find the best car insurance rates in Jacksonville for you and your family, enter your ZIP code to get started.