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Auto Insurance in Jacksonville, FL (The Complete Guide)

Density1,177 people per square mile
Average Cost of Insurance in Jacksonville$3,449.95
Cheapest Car Insurance CompanyUSAA
Road ConditionsPoor: 4%
Mediocre: 33%
Fair: 8%
Good: 55%

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The most populous city in Florida, Jacksonville is the home of The PGA Tour and has the third-largest military presence in the country. The largest city of the First Coast, Jax has beautiful beaches, a thriving craft-beer scene, world-class fishing, and delicious coastal cuisine.

Whether you are driving to beautiful beaches or historic neighborhoods, Jax has much to offer. However, the River City by the Sea, unfortunately, is the 39th most congested city in the country.

Given the amount of time you have to spend on the road, it is prudent that you purchase the best car insurance for complete peace of mind.

We understand that the process of researching and purchasing auto insurance can be confusing and often frustrating. We created this comprehensive guide to help you buy the best car insurance policy in Jacksonville.

In this guide, we will talk about the various coverage types, average rates, and factors that impact your insurance rate. We will help you parse through the information and give you a cheat sheet of rules, regulations, and tips to keep in mind while driving in Jax.

Remember, you can use our free tool to get quotes from all the major insurers. You need your zip code to get started.

Table of Contents

The Cost of Car Insurance in Jacksonville

If you are in the process of buying car insurance, you must understand how insurance companies calculate your insurance rate?

You might find yourself asking how does my Jacksonville, FL stack up against other top metro auto insurance rates? We’ve got your answer below.

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There are several factors that determine your auto insurance rates, including your driving record, what vehicle you drive, where you live, etc.

In this guide, we will demystify the factors that influence your insurance rate.

Demographics: Male vs. Female vs. Age

Insurance rates are calculated using many factors, including your age and gender.

These states no longer using gender to calculate your auto insurance rates — Hawaii, Massachusetts, Michigan, Montana, North Carolina, and Pennsylvania. But age is still a significant factor because young drivers are often considered high-risk. Florida does use gender, so check out the average monthly auto insurance rates by age and gender in Jacksonville, FL.

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Based on research, Insurance companies believe that young drivers, especially teens, are more likely to engage in risky driver behavior. Due to the additional risk of a claim, insurance companies tend to charge a higher than average premium from teen drivers.

Jacksonville, FL auto insurance rates by company and age is an essential comparison because the top auto insurance company for one age group may not be the best company for another age group.

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As you grow older and gain driving experience, insurance companies tend to drop your insurance costs.

Since the median age of Jaxons is 35.8 years, insurance rate fluctuations due to age won’t matter for average motorists in the city.

Let us review the average rates charged by insurance companies in Jacksonville for drivers of different age groups.

City35601725Cheapest RateCheapest Age

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While an average 17-year-old driver can expect to pay an annual insurance premium of $8,923, an average 25-year-old driver only has to pay $3,370.

Young drivers looking to reduce their premium rates should keep a clean driving record. As you age and mature as a driver, your insurance premium will start to align with the city averages.

Your gender is another factor that influences your insurance rate.

As with the rest of the country, the average insurance rate for males is higher in Jacksonville. The average insurance rate in Jacksonville for males is $4,476, and for females is $4,235.

Some states in the country have disallowed insurance companies from using your gender for calculating premium rates. However, Florida still allows for gender as a factor in your insurance rate. Therefore, companies, on average, have lower insurance rates for females at different age brackets.

DemographicRate (Cheapest)
Married 60-year old female$2,652.81
Married 60-year old male$2,705.99
Married 35-year old male$2,901.74
Married 35-year old female$2,960.86
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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Remember, these are average rates and may differ for you as it depends on many factors.

Your marital status can also impact your insurance rate. Watch the following video to understand how your marital status can potentially lower your premium rate:

Insurance companies tend to believe that married people are risk-averse and therefore have a lower likelihood of filing a claim.

Cheapest Zip Codes in Jacksonville

Not every part of a city has the same vibe and culture.

Check out the monthly Jacksonville, FL auto insurance rates by ZIP Code below:

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Insurance companies also consider where you live while calculating your insurance rate.

Where you live in Jacksonville may have an impact on your auto insurance rate.

Insurers take into account the crime statistics, especially the theft data of your zip code. If there has been a higher number of car thefts in your neighborhood, the chances are that insurers would charge a higher than average premium.


Well, insurance companies have to the loss ratio in mind while calculating your insurance rate. Higher the risk, higher the premium!

You can use the following table to find the average rate in your zip code:

Zip CodeAverage Annual Rate

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What’s the Best Car Insurance Company in Jacksonville?

Choosing a car insurance company can be confusing. Each insurer may weigh factors differently and therefore offer different products and rates.

Which Jacksonville, FL auto insurance company has the cheapest rates? And how do those rates compare against the average Florida auto insurance company rates? We’ve got the answers below.

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We should carefully evaluate what each insurance carrier offers before buying an insurance product. Your driving record, credit score, the commute, etc. can influence which insurance company is the most appropriate for you.

In this section, we will analyze what different insurance carriers are offering for each of these factors.

Cheapest Car Insurance Rates by Company

Let us start by analyzing the most obvious question.

Which is insurance carrier is the cheapest auto insurance provider in Jacksonville?

All national insurers including, Geico, USAA, Allstate, etc. are present in Jax. You should shop around to get the best rate in this competitive insurance market.

Take a look at the following table to see the rates offered by different insurance carriers for varying demographics.

GroupMarried 35-year old femaleMarried 35-year old maleMarried 60-year old femaleMarried 60-year old maleSingle 17-year old femaleSingle 17-year old maleSingle 25-year old femaleSingle 25-year old maleAverage
State Farm$2,147.55$2,147.55$1,945.81$1,945.81$6,352.90$8,143.11$2,387.28$2,569.20$3,454.90
Liberty Mutual$3,383.94$3,383.94$3,098.99$3,098.99$7,176.85$11,065.88$3,383.94$4,593.50$4,898.25

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The teens pay a substantial premium over an average Jaxon to maintain a similar car insurance policy. However, premium rates for teens vary greatly between insurers. It underlines the importance of shopping around for the best rates.

Allstate charges more than $15,000 for an average teen driver, whereas USAA and Geico charge only $6,000 approximately.

However, all major insurance companies we analyzed drop insurance rates as the driver gains experience. Insurance rates can differ by more than $6,000 on average between a 17-year-old and 25-year-old driver.

Nevertheless, keep in mind that insurance is expected to help you get back on your feet when you are down. Therefore, you should not base your decision based on only the rate. The cheapest provider may not necessarily be the best insurance in your city or state.

To choose an insurance provider, you should also consider the financial health of the company, the reviews it has from current or previous customers, and the claim filing and payout history.

Take a look at our Florida state guide to examine Florida auto insurance.

Best Car Insurance for Commute Rates

If your annual mileage is more than what the average Jacksonvillian, then some insurance companies may increase your premium.

However, the good thing is not all insurance carrier tend to increase the premium for a reasonable increase in annual mileage. The trick here is that you shop around based on your expected annual mileage.

Let us analyze what the average mileage is in Jax and what major insurance carriers charge based on the annual mileage.

As per the Federal Highway Administration, a motorist in Florida drives 14,465 miles per year on average.

Insurance companies use the average commute distance to benchmark your commute and thereby calculating your insurance rate.

With the help of  Quadrant Data Solutions, we wanted to understand the impact of your annual commute on your insurance rate. Here is what we found different insurance carriers charge for varying commutes in Jacksonville.

Group10 miles commute. 6000 annual mileage.25 miles commute. 12000 annual mileage.Average
State Farm$3,337.23$3,572.57$3,454.90
Liberty Mutual$4,739.30$5,057.20$4,898.25

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Except for Nationwide and Progressive, almost all major insurance carriers tend to increase your premium with additional mileage. However, even though USAA, State Farm, and Geico tend to increase the premium based on your commute, they may still be the most economical insurers in Jacksonville.

Best Car Insurance for Coverage Level Rates

When you buy additional services from Netflix, you have to pay a higher monthly subscription fee.

Your coverage level will play a major role in your Jacksonville auto insurance rates. Find the cheapest Jacksonville, FL auto insurance rates by coverage level below:

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Same is the case with auto insurance. If you add additional insurance coverage, you may have to pay an additional premium to maintain the coverage.

The additional fee is understandable because as you add coverage on your policy, you are exposing the insurance company for the extra risk.

However, we always recommend higher than minimum required coverage for better protection. The traffic, uninsured drivers, and general driver behavior in Jax indicates that you should purchase adequate coverage for complete peace of mind.

Depending on the type of coverage you need, each insurance carrier can offer you different rates. Here is how various insurers price different coverage levels in Jacksonville:

State Farm$3,883.36$3,541.20$2,940.14$3,454.90
Liberty Mutual$5,241.73$4,982.03$4,471.00$4,898.25

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USAA may offer the cheapest rate in Jacksonville for all coverage levels. However, if you have not served in the military, State Farm, Geico, and Nationwide offer the most competitive quotes.

While State Farm offers the second cheapest average rate for a high coverage level, Geico is the second most economical for low coverage levels.

But, before you decide, let us review what are low and high coverage in Jacksonville.

Low coverage is the state-mandated minimum coverage required to drive in Florida legally.

Florida is a state with no-fault auto insurance coverage, which means that you are not ‘required’ to purchase bodily injury liability auto insurance coverage.

Instead, you have to purchase the following to drive in Florida legally:

  • Property damage liability of $10,000 per accident
  • Personal Injury Protection of $10,000 per accident

Because Florida is a no-fault state, the insurance carrier is expected to pay your medical expenses regardless of who caused the accident.

However, it is highly advisable to carry bodily injury liability coverage. In case you injure someone in an accident, you don’t want to be sued in case their medical cost reach beyond a certain PIP threshold.

Along with the bodily injury liability coverage, there are other important coverage options that you should also consider adding to your policy. Some of these include:

  • Collision
  • Comprehensive
  • Uninsured/Underinsured Motorist

The amount of coverage and options may vary depending on your situation. E.g., in case you drive an old car that has lost most of its value in depreciation, then you may not necessarily need comprehensive coverage. You need to do a risk to reward analysis and then decide on the appropriate coverage.

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Best Car Insurance for Credit History Rates

A non-driving or vehicle-related factor that has a strong factor influencing your insurance rate is your credit history. You can potentially save a lot on premiums by keeping a good credit score.

Your credit score will play a major role in your Jacksonville auto insurance rates unless you live in these states where discrimination based on credit is not allowed: California, Hawaii, Massachusetts, and North Carolina. Find the cheapest Jacksonville, FL auto insurance rates by credit score below.

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Watch the following video to find what Consumer Reports has to say about insurance companies use your credit score to calculate your insurance rate:

However, even if you have a poor credit history, you can still save some money on insurance by shopping wisely.


Because insurance companies value each factor differently in their pricing model. So, if company A is quoting a higher price based on your credit history, it may not be the same for company B.

Here are the average rates for different coverage levels offered by insurance companies in Jacksonville:

State Farm$2,537.57$3,097.17$4,729.97$3,454.90
Liberty Mutual$3,749.33$4,629.77$6,315.65$4,898.25

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If you have a poor credit score, you might get the most economical quotes from USAA, State Farm, Geico, and Nationwide. However, if you a good credit score, you can probably save more by opting for State Farm and Geico.

Best Car Insurance for Driving Record Rates

Your driving record has a direct correlation with your insurance rate. If you have a good driving record, the chances are that you would receive an economical rate compared to somebody who has DUI or accident on the record.

Your driving record will play a major role in your Jacksonville auto insurance rates. For example, other factors aside, a Jacksonville, FL DUI may increase your auto insurance rates 40 to 50 percent. Find the cheapest Jacksonville, FL auto insurance rates by driving record.

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A good driving record indicates that you are not a risky driver and therefore less likely to file a claim.

However, if you cause an accident or commit DUI, your insurance rate is bound to become expensive.

See the following table to understand the impact of your driving record on your car insurance:

GroupClean recordWith 1 speeding violationWith 1 accidentWith 1 DUIAverage
State Farm$3,157.46$3,454.89$3,752.36$3,454.89$3,454.90
Liberty Mutual$3,553.08$4,824.02$4,593.66$6,622.25$4,923.00

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As evident from the data, if you commit DUI or cause an accident, your insurance rate may increase by as much as $3,000.

State Farm is most accommodating if you don’t have a clean driving record. However, Geico might also be able to provide an economical quote based on your situation.

You should seek a quote from both the carrier for securing the best insurance policy.

To access your driving record, insurance companies use the MVR that provides them the following information:

  • Traffic tickets
  • Convictions
  • Accidents
  • Parking tickets and other smaller infractions

Car Insurance Factors in Jacksonville

Driver-specific factors such as your credit score, driving record, and commute are not the only factors impacting your insurance rates. City-specific factors such as your zip code, economic prosperity in your city, and average income levels also affect your rates.

Factors affecting auto insurance rates in Jacksonville, FL may include your commute, coverage level, tickets, DUIs, and credit. Controlling these factors will help you maintain cheap Jacksonville, Florida auto insurance.

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In this section, we will review the city-specific factors influencing your car insurance rates.

Growth & Prosperity

According to the Bureau of Economic Analysis, the Gross Metropolitan Product (GMP) of Jacksonville in 2017 was $76 billion making it the 46th largest metropolitan area by GMP.

According to the Metro Monitor Report by the Brookings Institution, Jacksonville is ranked 17th in economic growth among the metropolitans in the country. However, due to stagnant wages and productivity, Jax is ranked 61st in economic prosperity.

Growth (17th)

Jobs: +3.1 percent (8th of 100)

Gross metropolitan product (GMP): +3.5 percent (18th of 100)

Jobs at young firms: +2.8 percent (60th of 100)

Jacksonville has been able to generate healthy growth in the number of jobs for the city residents. The largest employer in Jacksonville is The United States Military.

Prosperity (61st)

Productivity: +0.4 percent (70th of 100)

Standard of living: +1.5 percent (51st of 100)

Average annual wage: +0.9 percent (57th of 100)

Median Household Income

According to DataUSA, the median household income of Jaxons is $51,497, which is less than the national median household income of $60,336.

The average annual premium for car insurance in Jacksonville is $3,449.95, which is 6.7 percent of the yearly income of an average Jaxon.

To calculate how much of your annual income you are spending towards maintaining your car insurance, you can use our free calculator.


Homeownership in Jacksonville

Does owning a house affect your car insurance?

Well, being a homeowner won’t directly impact your car insurance rates or your ability to qualify for any car insurance plans. However, insurance carriers may offer you additional discounts.

According to insurers, the general homeownership rate in your city/zip code may indicate the general health of the local economy. Additionally, being a homeowner may also indicate your financial stability.

Let us review the car ownership rate in Jacksonville to understand how it impacts your car insurance rates.

The median property value in Jacksonville is $177,000. However, a large proportion of households have a property value in the $200,000-$250,000 range. The range is at part with the national median property value of $193,500.

The median property value in the city is also at par with the median property value in Florida.

However, only 54.7 percent of houses are occupied by owners, which is far less than the national average of 63.9 percent. The low occupancy ratio is partly because of the out-of-state residents that live in Florida for select months of the year.

Education in Jacksonville

Your insurance carrier wants to know your education level before calculating your premium rate.

Do you know why?

As per insurance companies, higher education is associated with a lower risk profile. As per the research done by the New Jersey’s Department of Insurance, a driver with higher education tends to be more responsible.

So the question we are looking to answer is, how is Jacksonville fairing in higher education?

Jacksonvillians have access to nine institutions of higher learning within the Jacksonville area. 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)

In 2016, various universities in Jacksonville granted a total of 17,318 degrees. Here is the break up of the degrees awarded:

Wage by Race & Ethnicity in Common Jobs

According to DataUSA, Asians were the highest-paid ethnicity in Florida, followed by Alaska Natives.

The following chart shows the break up of wages by common job types:

Wage by Gender in Common Jobs

In Jacksonville, insurance carriers do take your gender into account while calculating your insurance rate. On average, females pay slightly less than males to maintain insurance coverage.

However, there is a considerable wage gap between genders in Florida. The average annual salary for females is only $45,343, whereas for males it is $60,114.

Due to the wage gap, females have to shell out a higher percentage of their income towards car insurance.

Below is the graph detailing male and female wages by profession:

Below is the table showing the average percentage of income an individual pays for car insurance in Jacksonville:

Miscellaneous managers4.46.1
Registered nurses6.66.7
Retail salespersons8.913.1
Customer service representatives12.312.7

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Across professions in Jacksonville, females are spending a larger percentage of their income on car insurance.

Poverty by Age & Gender

In Jacksonville, 16.4 percent of the population lives below the poverty line, whereas the national average is 13.4 percent.

Females are worst affected by poverty as the top three demographics in poverty are females in various age groups. A disproportionately high number of females in the age bracket of 25-34 are living below the poverty line in Jacksonville.

The following chart shows that poverty is affecting people across age groups and gender:

Poverty by Race & Ethnicity

A staggering statistics of poverty in Jacksonville is that 82.4 percent of people living below the poverty line are either black or white.

Employment by Occupations

In terms of job growth, Jacksonville is among the fastest-growing metros in the country. According to the Metro Monitor Report by the Brookings Institution, Jacksonville is 8th best metro for job growth.

The largest employer in the city is the United States Military.

The following chart shows the most common jobs in Jacksonville:

Driving in Jacksonville

While credit score, education level might impact your insurance rates. Your driving-related factors are the ones that will directly affect your premium. Driving-related factors include your driving record, what car you drive, traffic congestion in your area, road conditions, crime statistics, and much more.

In this section, we will review these factor influencing your insurance rates.

Roads in Jacksonville

A network of interstates, beltways, and main arterial roads connect Jacksonville. In this section, let us review the roads in and around Jacksonville.

Major Highways

Jacksonville is well connected with three interstates (I-10, I-95, and I-295) flowing into the city. Highways 1, 17, 90, and 301 interconnects the town.

Here’s the map of interstates and highways connecting Jacksonville:

Here are some of the important interstates in Jacksonville:

  • Beltway Loop: I-295
  • Jacksonville to Alabama: I-10
  • Jacksonville to Miami: I-95

In 2019, the city has started collecting tolls on the I-295 express lanes. The express lanes are expected to reduce the commute time during peak hours, and Jaxons have to purchase a Sun Pass to use the express lanes. Watch the following video for further details on the express lanes:

Popular Road Trips/Sites

The largest city in the First Coast offers miles of beautiful beach area with three main beaches: Atlantic Beach, Neptune Beach, and Jacksonville Beach.

Jax also has many museums, theaters, art galleries, riverboat cruises, and musical events to keep you busy.

Don’t forget to ride the St. Johns River Taxi.

Road Conditions

According to TRIP, a national transportation research group, the roads in Jacksonville are in great shape. Around 63 percent of roads are in either good or fair condition in Jacksonville


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The annual vehicle operating cost is only $297 in Jacksonville. This is money you pay to maintain your car.

Due to the excellent road conditions, Jaxons have to pay substantially less towards car maintenance than the national average of $567.

Does Your City Use Speeding or Red Light Cameras?

Florida law allows law enforcement to use red-light cameras. However, the good news is that Jacksonville stopped using red-light cameras in 2017 and removed them from all intersections.

Jacksonville authorities removed the following red-light cameras:

Another great news is that Florida does not have specific laws on speed cameras and therefore is not used in Jacksonville.

Vehicles in Jacksonville

According to Your Mechanic, the most popular car in Jacksonville is Chevrolet Impala. Impala was a full-sized sedan offered in the North American market. However, Chevrolet discontinued the production of the Impala in 2019.

Other cars that Jaxons prefer are:

  • Ford F-150
  • Toyota Camry
  • Toyota Corolla
  • Chevrolet Silverado
  • Honda Accord
  • Dodge Ram
  • Nissan Altima
  • Honda Civic
  • Honda CR-V
  • Ford Fusion

The current generation of F-150 was rated five stars by the Insurance Institute of Highway Safety. The current generation is strong on load carrying and towing capacity. However, the vehicle also comes equipped with all modern features, including cabin comfort and safety.

Take a look at the following review of the current generation of F-150:

Cars Per Household

Most households in Jacksonville owns two cars. The second most common is one car per household.

The number of cars per household is on par with the national average.

Households without a Car

Jaxons like their cars and therefore only 8.7 percent of households own no car in the city. The high concentration of cars is probably due to the inadequate public transportation network in the city.

Speed Traps in Jacksonville

You should follow posted speed limits for not only your safety but everyone else who is sharing the road with you.

Although Jacksonville does not have automatic speed cameras, the local enforcement does have some speed traps to check against speeding.

You can follow the known speed traps to avoid tickets.

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Vehicle Theft in Jacksonville

The vehicle theft in local zip has a lot of influence on your car insurance rate.

Higher the theft rate in your zip, higher would be your interest rate.

According to the FBI, Jacksonville Police Department registered 2,925 cases of car theft in 2017.

Jacksonville has among the worst crime rate in the country. Jacksonville is more dangerous than 92 percent of U.S. cities due to the high crime index.

You have one in 156 chance of becoming a victim of violent crime, which is alarmingly high compared to state or national average.

UNITED STATES VIOLENT CRIMES RATES per 1,0000.050.420.982.49

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The high crime rate is bound to inflate the car insurance rate.

However, there are relatively safer neighborhoods in the city that can reduce the risk of you becoming a victim:

  • Scott Mill Rd / Mandarin Rd
  • Gately Rd / Broken Bow Dr E
  • Mandarin
  • Bayard
  • Greenland Rd / Tierra Verde Ln
  • Fort George Island / Dames Point
  • Hodges Blvd / Atlantic Blvd
  • Hood Rd / Hornets Nest Rd
  • Greenfield
  • Beach Blvd / Hodges Blvd


Jacksonville is not as congested as New York or Chicago. However, according to a 2018 traffic study done by INRIX (a team of traffic experts), the city is the 39th most congested city in the country. An average motorist loses around 60 hours in congestion that can potentially cost $840 per driver.

Jacksonville is growing, and the traffic problems can get worse for the city. Watch the video to learn how the city is planning to reduce congestion:


According to DataUSA, the average commute time in Jacksonville is 24 minutes, which is at par with the national average of 25.5 minutes. The best part is that only 11 percent of Jaxons have commute higher than 45 minutes.

The average commute is lower than the national average, even though around 80 percent of commuters prefer to drive alone for their daily commute.

Busiest Highways

According to the CBS, some of the busiest roads in Jacksonville are:

  • Blanding Boulevard through Orange Park
  • The Buckman Bridge area of I-295
  • I-95 from County Road 210 to Downtown
  • I-295 through downtown to Interstate 95

How Safe are Jacksonville’s Streets and Roads?

Depending on the number of crashes, insurance carriers assess the relative road safety in your city or county. A bad road safety rating may increase your insurance rates as there is a higher likelihood of getting into a crash.

Let us review the road safety rating of Jacksonville, which is the county seat of Duval County.

Road Fatalities in Jacksonville20132014201520162017
Fatalities (All Crashes)133120133156151
Fatalities in Crashes Involving an Alcohol-Impaired Driver3939395344
Single Vehicle Crash Fatalities8471758790
Fatalities in Crashes Involving a Large Truck by County for 2017106141313
Fatalities in Crashes Involving Speeding1654911
Fatalities in Crashes Involving an Intersection2836374353
Passenger Car Occupant Fatalities4236405447
Pedestrian Fatalities3436393740
Pedalcyclist Fatalities71474

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Single-vehicle crashes are the primary reason for traffic fatalities in Jacksonville. In terms of road fatalities, Duval County is among the top 10 most dangerous counties in Florida.

Florida Counties by 2017 Ranking20132014201520162017
1. Miami-Dade County225280339294285
2. Broward County180173224245225
3. Hillsborough County171158190228190
4. Orange County124143142171189
5. Palm Beach County137130187181162
6. Duval County133120133156151
7. Volusia County908687122130
8. Pinellas County83116103128118
9. Lee County928195105113
10. Polk County94113112137111
Top Ten Counties1,3291,4001,6121,7671,674
All Other Counties1,0741,0941,3261,4091,438
All Counties2,4032,4942,9383,1763,112

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According to the National Highway Traffic Safety Administration, the total fatal crashes in Duval County was 148 in 2017. Arterial Roads were the most dangerous road in Duval County.

The NHTSA classification of different roads is available on their website.


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According to the U.S. Department of Transportation, railways accidents are also frequent in Duval County.

CityCalendar YearHighwayRail Equipment TypeHighway User TypeHighway User SpeedNon Suicide FatalityNon Suicide Injury
JACKSONVILLE2012KING SPsgr TrainPedestrian001
JACKSONVILLE2012MCDUFF APsgr TrainAutomobile001
JACKSONVILLE2012RENESSENZ INDYard/SwitchPick-up truck002
JACKSONVILLE201320TH STREETLight Loco(s)Automobile300
JACKSONVILLE2013GARY STREETFreight TrainAutomobile000
JACKSONVILLE2013CYLINDER LNFreight TrainTruck-trailer1500
JACKSONVILLE2013ALTA DRFreight TrainTruck-trailer1001
JACKSONVILLE2014MCDUFF STFreight TrainAutomobile2001
JACKSONVILLE2014MCDUFF AVEYard/SwitchTruck-trailer300
JACKSONVILLE2014HAWTHORNE STFreight TrainAutomobile101
JACKSONVILLE2014SAN JUAN AVENUEPsgr TrainPick-up truck001
JACKSONVILLE2014W 20TH ST/MELSON/W 2Freight TrainAutomobile701
JACKSONVILLE2014CHAFFEE RDFreight TrainTruck-trailer000
JACKSONVILLE2015PUBLIXFreight TrainAutomobile1011
JACKSONVILLE2015LANE AVENUELight Loco(s)Truck-trailer100
JACKSONVILLE2015LANE AVENUEFreight TrainTruck-trailer000
JACKSONVILLE2015NORWOOD AVEFreight TrainAutomobile2500
JACKSONVILLE2015HAYDON RDFreight TrainTruck-trailer1001
JACKSONVILLE2016COLLINS RDFreight TrainPick-up truck000
JACKSONVILLE2016YARD XINGSYard/SwitchTruck-trailer300
JACKSONVILLE2016ACREE RDFreight TrainAutomobile501
JACKSONVILLE2016PRIVATE ROADFreight TrainTruck-trailer000

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Allstate America’s Best Drivers Report

According to an Allstate study on driver behavior, Jacksonville is 69th safest city out of 200 U.S. cities.

Unsafe driving results in a higher frequency of claim, which results in higher premiums.

Driver BehaviorJacksonvilleUS
Years between claims9.810.57
Hard-braking events per 1,000 miles18.819

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Jacksonville driver behavior is on par with the rest of the country and therefore may not inflate your insurance premium.


Here’s the list of ridesharing companies in Jacksonville:

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

E-star Repair Shops

In case of a crash, you would need access to a reliable repair shop near you. Esurance created an E-star repair shop network that has a list of reputable and top-quality repair shops in your area.

You can find the top 10 repair shops in Jacksonville on their website.


Jacksonville is in North Florida and therefore has a humid subtropical climate characterized by hot summers and mild drier winters. The average high temperature in the city is 79.9 F, while the average low is 55.9 F.

Although several devastating hurricanes have recently struck Florida, Jacksonville had been hit by only one serious hurricane in 1964. Nevertheless, it has witnessed several hurricanes and tropical storms pass-through. The relative safety from catastrophic hurricanes is provided by a natural phenomenon that forms a weather shield for the area.

Public Transit

Jacksonville Transportation Authority (JTA) manages public transportation in Jacksonville. JTA operates buses, monorails, and ferries to connect different parts of the city to downtown. A single trip will cost $1.75, while a day pass will set you back by $4.50. You can find the full fare on JTA’s website.

You can also use the Star Card and MyJTA app to pay for your ride.

Alternate Transportation

The good news is that e-bikes are allowed on the streets in Florida. However, the system has failed to pick up in Jacksonville. JTA is planning to establish a local bike share system and has invited bike-sharing companies to start operating in the city. Interested companies include P3 Global Management, Clevr Mobility, Lime, and Gotcha Bike.

Parking in Metro Areas

You must have experienced driving to downtown Jacksonville and not able to find a place to park near your location. You can instead choose between several parking apps to book your parking ahead of time to save yourself from the hassle.

Some of the parking apps available in The River City are:

  • Parkwhiz
  • Best Parking
  • ParkMobile

 – Air Quality in Jacksonville

According to the Air Quality Index (AQI), air quality in Jacksonville was on par with the rest of the country. In 2018, AQI for Jacksonville was 77.6 and 74.2 for the rest of the country. Vehicular pollution contributes to air pollution through particulate matter, volatile organic compounds, nitrogen oxide, etc.


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Military/Veterans in Jacksonville

Jacksonville has the third-largest military presence in the country. The good news is that some insurance carriers may offer additional discounts to military personnel and veterans. In this section, we will discuss auto insurance in Jacksonville for military personnel and veterans.

In Jacksonville, a majority of veterans have served in Vietnam and the Second Gulf War.

Jacksonville has three major military bases within and near the city area.

The three bases within the city limits are Naval Station Mayport Base, Naval Air Station Jacksonville, and Naval Submarine Base Kings Bay.

If you are a veteran or based out of any of these bases, you can seek military discount from these insurance carriers:

  • Allstate
  • Esurance
  • Liberty Mutual
  • Metlife
  • StateFarm
  • The General
  • USAA

The following table shows the average rates offered by insurance carriers to veterans in Florida:

Liberty Mutual5368.1514.69

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As evident from data, USAA is the most economical insurance carrier for military personnel and veterans in the Sunshine State.

Unique City Laws

Did you know that police can issue you a ticket if you are driving more than 10 mph less than the posted speed limit?

Let us review some unique laws applicable in Jacksonville.

– Handheld Device Laws

In June 2019, Florida law banned drivers from texting while driving. Texting while driving is a primary offense, which means that an officer can stop you if you are texting while driving. In the first six months, law enforcement will only give you a warning; however, from January 2020, you can be fined for using your phone while driving.

The law currently allows for drivers to receive phone calls except in hands-free zones such as school.

However, we strongly recommend that you use a Bluetooth device to receive phone calls while driving.

– Food Trucks

The Jacksonville food truck scene offers various awesome trucks selling delicious food. However, food trucks also have to follow various city regulations including yearly permits, health inspections, restroom agreements, etc.

You also have to purchase general liability and commercial auto insurance to operate your food truck. You can read about all the rules and regulations on the City of Jacksonville’s website.

– Parking Laws

Jacksonville has metered parking in the city. There are parking facilities managed by the city that offers monthly rates. If you are driving to downtown, there are metered parking and several garages that you can use to park your car.

You can also pay your parking citations online on the City of Jacksonville’s website.

Jacksonville Car Insurance FAQs

How much is car insurance in Jacksonville?

The average cost of car insurance in Jacksonville, Florida is $3449.95. However, the rates are dependent on many factors, including your driving record, credit score, coverage level, etc.

Are red-light cameras used in Jacksonville?

The city discontinued red-light cameras in 2017.

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 may cost you $2,799 per annum, while the same from State Farm might cost you $3,454.

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)

Are you ready to begin your car insurance purchase journey now that you understand the market in Jacksonville? If yes, you can use our FREE tool to get started. All you need is your zip code.


  1. https://datausa.io/profile/geo/jacksonville-fl/
  2. https://highways.dot.gov/
  3. https://apps.bea.gov/iTable/iTable.cfm?isuri=1&reqid=70&step=1#isuri=1&reqid=70&step=1
  4. https://www.actionnewsjax.com/news/local/worst-traffic-in-jacksonville/248692041/
  5. https://www-fars.nhtsa.dot.gov/States/StatesCrashesAndAllVictims.aspx


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