Cheap Car Insurance in Jacksonville, Florida (With 2024 Rates)

The average annual premium in Jacksonville is around $956 and can go upto $1287. This is for a 30 year old female buying 50/100/50 coverage which is considered as the minimum liability.

Jacksonville has comparitively cheap rates when it comes to car insurance. You can get a car insurance for an average rate less than $1 an year. Make sure you give attention to choosing the car insurance company and also apply the discounts available and opt for the right amount of deductibles. You can find information on cheap car insurance in Florida also get an online quote to find the best rates.

This case study covers the following topics:

Who offers cheap car insurance in Jacksonville?

Car Insurance by neighbourhoods in Jacksonville

Driving in Jacksonville

The minimum requirement for car insurance is same as the state, $1, in property damage liability (PDL) and $1, in personal injury protection (PIP). Jacksonville's 823, residents live in one of the most spacious cities in the United States. For the largest city, Jacksonville's auto insurance costs actually aren't that expensive. But the average insurance rate comes around $9 which is one of the lowest in the Florida state. Additionally, drivers who are currently financing their vehicle may be required to purchase Comprehensive and Collision coverage too. Make sure that you don’t just go for the cheapest insurance provider. Also take into account the quality of customer service and claim insurance settlement percentage.

Factors affecting your car insurance rates: Your car insurance providers take into account a number of factors before giving you an insurance quote. They include your marital status, the type of vehicle you own, your level of education, and your current insurance coverage. This also includes your current limits and how long you have covered at the moment. Insurance premium quoted to you will vary widely from different providers. It is very important to ensure that you meet your state’s minimum car insurance requirement, but try to always opt for a higher level of coverage. If you are in a particularly expensive accident, your minimum coverage may not be enough to fully cover the damages and you may have to incur out-of-pocket expenses. This applies whether you're a college student or if you are senior citizen or if you are starting a new family in Jacksonville.

To get the lowest rates for car insurance, always ensure that you compare all the insurance providers online before going ahead and requesting for free quotes from each of your shortlisted insurance providers. Spend time in contacting different insurance providers and see to it that you get the best deal possible when it comes to long term coverage with the right premium amount.

Who offers cheap car insurance in Jacksonville?

When it comes to insurance providers in the Jacksonville area, USAA offers the cheapest rates averaging around $397/year, but it is not available to everyone. Meanwhile, United Automobile Insurance Company has the highest insurance rates in Jacksonville, averaging $2115. Most insurance providers have rates that lie between $1 - $18. The key to getting a low rate is to take quotations from different insurance companies. It is extremely important that you check if they are offering discounts or if you eligible under any any bonus programs based on your insurance claim history. When you don’t forget to take into the discounts on offer, you will be able to get the lowest rate possible.

Car Insurance by neighbourhoods in Jacksonville

Jacksonville is the largest city in the USA based on total area. This means that residents of Jacksonville have to drive to get around. When it comes to neighborhoods in Jacksonville, Beach Haven and Jacksonville Beach have the cheapest car insurance rate of $839 while Miramar has the highest premium of $133. It is found that the insurance rates in most of the neighbourhoods in Jacksonville are around $9/year which is comparatively low when we consider other neighborhoods in Florida and other states in the USA.

San Marco

San Marco is a neighborhood of Jacksonville, Florida, south of Downtown across the St. Johns River. The neighborhood is primarily residential, with an integrated commercial sector known as San Marco Square.

Car insurance rate in San Marco : $926

Jacksonville Beach

Jacksonville Beach is a coastal resort city in Duval County, Florida. It has the lowest insurance rates in Jacksonville. It has a population of 23,387.

Car insurance in Jacksonville Beach: $839

Miramar

Located off the beaten path just south of San Marco, Miramar is a neighborhood with a unique history and atmosphere of its own. It has a population of 2,337 and has the highest insurance rates in Jacksonville.

Car insurance in Miramar: $133

Avondale

Avondale is notable for is one of Florida's most architecturally varied neighborhood. It is listed in the National Register Historic Districts.

Car insurance in Avondale: $934

Chimney Lakes

Chimney Lakes is a small residential community with single-family homes. It has a population of 3,741.

Car insurance in Chimney Lakes: $91

Driving in Jacksonville

Jacksonville is the largest metropolitan area in the U.S. by land size. The city is the largest in Florida by population. Jacksonville was founded in 1791 as part of a territory owned by Spain and is located on the St. Johns River. It now acts as a major port along the East Coast. Travel time to work in Jacksonville can last about 24 minutes on average. And while on that commute, 8.5% of people get to work by driving alone in their vehicle. Traffic generally flows smoothly in Jacksonville and accidents are quite a rare occurrence which could be a reason why Jacksonville has lower car insurance compared to other cities in the USA.

Due to the huge size of Jacksonville, it is not walking-friendly. Though the traffic congestion is low, it is considered a difficult place to drive in. While Jacksonville has been rated in among the worst cities to drive in across the country, the residents are of the opinion that except peak hours, it is actually a good place to drive in. The three interstate highways in Jacksonville are I-1, I-95, and I-295, and they form a beltway around the city. The intersection between I-1 and I-95 is the busiest one in the city and is prone to accidents, so it is important to take some extra precautions when you are on the highway in that area.

Methodology

The insurance rates mentioned in this article is based on the average amount for a 30 year old female purchasing 50/100/50 ($50,000 for injury liability for one person, $100,000 for all injuries and $50,000 for property damage in an accident) liability car insurance coverage. The premium rate can be higher or lower than the rates specified depending on the type of coverage one may choose, deductibles applied and the discounts offered by insurance company.