Buy Cheap Jacksonville, FL Auto Insurance in 2023
Jacksonville, FL auto insurance is very expensive, but State Farms offers the cheapest rates. Although drivers in Jacksonville, Florida don’t have to carry bodily injury auto insurance, they do have to carry $10,000 in personal injury protection and $10,000 in property damage liability coverage. Compare online auto insurance quotes to find the best Jacksonville, FL car insurance for you.
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Cynthia Lanctot
Licensed Agent
Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.
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UPDATED: Jun 13, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Jun 13, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Jacksonville, FL auto insurance costs fall above the state average
- State Farm offers the cheapest average auto insurance in Jacksonville
- Florida drivers have to carry personal injury protection and property damage liability coverage but no bodily injury coverage
Jacksonville, FL auto insurance is expensive, mainly because Florida auto insurance is very high to start with. Adding in large amounts of traffic causes Jacksonville’s auto insurance rates to be above the state average.
Before you buy Jacksonville, FL auto insurance, shop around to find the most coverage at the best price.
Enter your ZIP code now to compare Jacksonville, FL auto insurance rates.
What is the cheapest auto insurance company in Jacksonville, FL?
State Farm is the cheapest Jacksonville, FL auto insurance company that offers coverage to everyone. USAA is actually cheaper but only offers auto insurance to the military, veterans, and their families.
These are the top-rated auto insurance companies in Jacksonville, FL ranked from least to most expensive for annual coverage:
- USAA – $2,799.05
- State Farm – $3,454.90
- Geico – $3,498.00
- Nationwide – $4,103.45
- Liberty Mutual – $4,898.25
- Progressive – $5,518.88
- Allstate – $7,061.85
Many different factors will be used to determine who has the best auto insurance for you. Factors that affect your auto insurance rates are age, gender, marital status, ZIP code, driving record, and credit history.
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What auto insurance coverage is required in Jacksonville, FL?
Like most states, Florida requires that drivers carry at least a minimum amount of auto insurance.
The minimum amount of auto insurance required in Jacksonville, Florida is:
- $10,000 in personal injury protection (PIP) coverage
- $10,000 for property damage liability (PDL)
What’s unusual is that Florida doesn’t require you to carry bodily injury coverage. Florida is a no-fault insurance state, meaning that if you are in an accident, your auto insurance pays for damages and injuries, regardless of who is at fault.
If you do decide to carry bodily injury, you must carry $10,000 for one person and $20,000 for two or more people.
What affects auto insurance rates in Jacksonville, FL?
Jacksonville is a large city with lots of drivers on the roads. The increased traffic can mean a higher risk of getting in an accident.
INRIX ranks Jacksonville, FL as the 40th most congested city in the country, and drivers spent an average of 32 hours sitting in traffic in 2019.
Also, City-Data reports the average commute time for Jacksonville drivers is 35 minutes.
Theft can also be a factor that drives up auto insurance rates. The FBI reported that 2,925 vehicles were stolen in Jacksonville, FL. That’s about one car stolen for every 305 people.
Jacksonville, FL Auto Insurance: The Bottom Line
Florida has very expensive auto insurance rates, and Jacksonville falls above the state average. However, there are ways to find affordable Jacksonville, FL auto insurance coverage.
Shop around to find the best rates out there. Enter your ZIP code now to compare Jacksonville, FL auto insurance quotes.
Frequently Asked Questions
How can I buy cheap auto insurance in Jacksonville, FL in 2023?
To buy cheap auto insurance in Jacksonville, FL in 2023, you can consider the following steps:
- Shop around and compare quotes from multiple insurance providers to find the best rates.
- Maintain a clean driving record and avoid traffic violations to qualify for lower premiums.
- Opt for higher deductibles, which can lower your premium amount.
- Look for discounts offered by insurance companies, such as multi-policy discounts or good student discounts.
- Consider the type of car you drive, as certain models may have higher insurance rates.
What factors affect auto insurance rates in Jacksonville, FL?
Several factors can impact auto insurance rates in Jacksonville, FL, including:
- Driving record: Drivers with a history of accidents or traffic violations may have higher premiums.
- Age and gender: Younger drivers and male drivers typically have higher insurance rates.
- Vehicle type: The make, model, and age of your car can affect insurance costs.
- Coverage limits: Higher coverage limits usually lead to higher premiums.
- Location: Your ZIP code and where you park your car can impact rates.
What are the pros of buying cheap auto insurance?
Pros of buying cheap auto insurance include:
- Cost savings: Cheap auto insurance can help you save money on premiums.
- Compliance with legal requirements: Auto insurance is mandatory in most states, so having a cheaper policy still ensures you meet legal obligations.
- Affordability for budget-conscious individuals: Cheap insurance may be the best option for those on a tight budget.
What are the cons of buying cheap auto insurance?
Cons of buying cheap auto insurance include:
- Limited coverage: Cheap insurance policies may have lower coverage limits or exclude certain types of coverage, leaving you exposed to potential financial risks.
- Higher deductibles: Cheaper policies may require higher deductibles, meaning you’ll have to pay more out of pocket in the event of a claim.
- Lack of customer support: Some budget insurance providers may offer limited customer service or claims support, which could be a disadvantage during the claims process.
Are there any specific requirements for auto insurance in Jacksonville, FL?
Yes, Florida law requires drivers to carry auto insurance with minimum coverage limits of $10,000 for personal injury protection (PIP) and $10,000 for property damage liability (PDL). However, it’s advisable to consider higher coverage limits to provide adequate protection in case of an accident.
Compare Quotes From Top Companies and Save
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Cynthia Lanctot
Licensed Agent
Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.
Licensed Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.