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|Density||1,177 people per square mile|
|Average Cost of Car Insurance||$3,449.95|
|Cheapest Insurance Company||USAA|
|Road Conditions||Poor: 4%|
Vehicle Operating Cost: $297
Here’s the deal: we know that researching car insurance is tough. In a perfect world, you’d compare rates from just a few companies in a couple of hours and wind up with a great deal.
But, if you’re here, that’s not the case. And it should be.
Car insurance companies make things complicated. There are acronyms such as GAP and PIP. There are technical terms such as deductibles and premiums. Rates are calculated in a dozen different ways.
In this guide, we make things simple. We cover everything from those dozen different ways car insurance companies set rates, to which company is the cheapest in Jacksonville, and factors that affect insurance coverages such as vehicle theft.
By the end, you’ll be well-informed enough to make a decision about car insurance in Jacksonville. At any point in the article when you’re ready to compare rates, try our FREE online tool. It quickly gives you quotes from insurance companies in Jacksonville.
Let’s get started.
The Cost of Car Insurance in Jacksonville
Are you sick and tired of being in the dark about car insurance rates?
It can be maddening. You go from company to company, plugging in the same information, only to find wildly different rates. You may wonder about all those questions they keep asking you.
- What is your gender?
- How far do you drive?
- What is your credit score?
In this section, we’ve got you covered. In it, we’ll present eight ways that rates that are calculated, give explanations for each, and cover the cheapest companies in Jacksonville.
Let’s dive in.
– Male vs. Female vs. Age
Male versus female. Young versus old. Married versus single. Car insurance companies use all these factors to set rates. There are often differences of hundreds of dollars between genders, age groups, or marital status. Why is this?
It all comes down to your likelihood to file a claim. Insurance companies believe that these factors help determine how likely you are to cost them money.
When it comes to age, older is better. Older drivers are seen as more experienced and are less likely to take risks behind the wheel. In Jacksonville, there’s a $6,250 difference between the youngest age group and the oldest age group in our data.
|35||60||17||25||Cheapest Rate||Cheapest Age|
These numbers come from our partner Quadrant. It takes data from actually purchased policies and creates statistics about car insurance rates. All raw data about car insurance rates in this guide comes from them.
Often, female rates are lower as car insurance companies believe they are less likely to file a claim. In Jacksonville, females pay on average about $240 less on premiums.
- Male: $4,476.34
- Female: $4,235.01
Now, for marital status: Car insurance companies often give lower rates to those who are married. This happens because married people are looked at as less risky, both in life and in finances. Taking gender and age into account, the difference between a single 17-year-old male and a married 60-year-old female is about $7,100. The average rate overall is $4,476.
|Married 35-year old female||Married 35-year old male||Married 60-year old female||Married 60-year old male||Single 17-year old female||Single 17-year old male||Single 25-year old female||Single 25-year old male||Average|
There is one unusual occurrence. A 35-year-old female has an average rate that’s $59 higher than her male counterpart.
The largest difference is for 17-year-olds. Males pay $1,700 more on average than females. The smallest difference is within the 60-year-old bracket. The difference there is $53.
– Cheapest ZIP Codes in Jacksonville
Have you ever wondered why car insurance companies ask you for your ZIP code during the quote process?
Insurance companies statistics show that specific ZIP codes are associated more with high-claim risk. These can include the number of accidents that happen, the number of vehicle thefts, or simply the credit scores of the people in the area.
In some cities, the variance between the lowest-priced ZIP code and the highest-priced ZIP code is in the thousands of dollars. In Jacksonville, fortunately, the difference is just a few hundred dollars.
|Zip Code||Average Rates|
The group at the lower end includes ZIP codes, all of which are on the outskirts of the city. Some are to the south, while others are around the beach. The sole ZIP code at the top is in the heart of the city, encompassing Avondale and Riverside.
– What’s the best car insurance company in Jacksonville?
Wouldn’t it be great if car insurance companies made things simple?
They may tell you that they vary their insurance rates based on commute rates and credit scores, but they don’t tell you how much. They may say, “You got into an accident last month. That’s why your rates increased.”
In this section, we take the mystery out of car insurance rate factors. We’ll cover commute rates, coverage levels, credit histories, and driving records—and of course, the cheapest companies in Jacksonville.
– Cheapest Car Insurance Rates by Company
Selecting the right car insurance company often comes down to price. What coverages a company offers, its customer service and its financial ratings all pale in comparison to that all-important dollar amount.
We’ve put together a list of the rates by companies in Jacksonville so you know which has the cheapest and which has the most expensive.
Use the scroll bar at the bottom of the table to see more information to the right.
|Group||Married 35-year old female||Married 35-year old male||Married 60-year old female||Married 60-year old male||Single 17-year old female||Single 17-year old male||Single 25-year old female||Single 25-year old male||Average|
The companies are spread out in terms of pricing, with some gaps of $600, $800, and $1,500. The difference between the cheapest company (USAA) and the most expensive (Allstate) is $4,250. The two companies with the largest market shares nationwide are State Farm and GEICO. Their average rates in Florida are almost identical. The difference is that State Farm is more expensive for 17-year-olds but cheaper for the other age groups.
The only three companies to have the same rates for both genders are Liberty Mutual, State Farm, and GEICO.
Liberty Mutual and State Farm don’t change rates for the 35-year-old and 60-year-old age groups. GEICO doesn’t do it for the 60-year-old age group.
– Best Car Insurance for Commute Rates
Car insurance companies believe that the farther you drive, the more likely you are to file a claim. This is why some companies will ask for the purpose of your car during the quote process and how long your commute is. Some companies vary their rates according to your commute and annual mileage. Some companies don’t.
|Group||10 miles commute. 6000 annual mileage.||25 miles commute. 12000 annual mileage.||Average|
The two companies that don’t vary rates by commute or annual mileage are Nationwide and Progressive. Nationwide is the fourth-highest when it comes to average rates. Progressive is the second-highest.
Allstate has the largest difference between its commute rates at about $400. GEICO has the smallest at about $35.
– Best Car Insurance for Coverage Level Rates
When you get a quote, you might be asked the question, “What coverage level do you want?” That question might lead to more confusion. Fortunately, it’s a relatively simple area of car insurance.
A coverage level comes down to two important factors. The first is how many coverages you have. The second is what the limits are on your insurance.
- The number of coverages you have: if you have collision and comprehensive on top of liability coverage, you’ll have more coverage than without those two.
- The coverage limits: if you have a $100,000 coverage limit for bodily liability, that’s more coverage than a $50,000 coverage limit.
Sometimes, the price difference between a high coverage level and a low coverage level is just a few hundred dollars. Sometimes, the price difference is much more than that, running into the thousands.
The companies can be split into those that have a $1,000 difference between a high coverage level and a low coverage level and those that don’t.
- The $1,000 club (lowest to highest): GEICO, Nationwide, Progressive, Allstate
- The value steals (same): USAA, Liberty Mutual, State Farm
The average price difference between a high-coverage level and a low-coverage level is $439.77.
– Best Car Insurance for Credit History Rates
A poor credit score can have numerous consequences. There’s the higher interest rate on a mortgage, the denial for an apartment, the fees on debt that just keep piling up. But affecting your car insurance rate?
Car insurance companies use credit scores to determine a potential applicant’s risk for filing a claim. They don’t use the traditional FICO scores, however. They pick elements from those scores and put them in their own models.
This, according to Consumer Reports:
A poor credit score leads to rates that are often thousands of dollars higher than the rates for a good credit score. For our seven large companies in Jacksonville, that is very much the case.
The average difference between a good credit score and a poor credit score in Jacksonville is $2,828.96. The company with the largest difference is Allstate at $4,741.82. The company with the smallest is Nationwide at $1,715.07.
The average difference for most companies is between $2,000 and $3,000. When looking at the FICO credit scores with the average rates for each category, the biggest drop in rates is from a poor credit score to a fair credit score.
- Good credit (670-739): $3,287.24
- Fair credit (580-669): $4,025.58
- Poor credit (300-579): $6,116.20
Your credit score can save you thousands of dollars. There is some talk of this practice being discriminatory, with some states like California and Michigan prohibiting car insurance companies from doing this.
– Best Car Insurance for Driving Record Rates
Everyone knows when you get into an accident that your rates go up. But some people might be shocked at the rise in their rates, regardless. There are two reasons why a driving infraction might cause your rates to go up.
- Risk profile: If you have received a driving record infraction, there is the possibility that you will get into more. This increases your risk profile, which can raise rates
- Paying out on claims: If you’ve gotten into an accident or any infraction that causes damage to your car, the insurance company will likely have to pay out on any claims related to that. This leads to a rise in rates.
For this section, we took a look at three major infractions that can raise your rates by hundreds, if not thousands of dollars. Those are speeding tickets, accidents, and DUIs.
|Group||Clean record||With 1 accident||With 1 DUI||With 1 speeding violation||Average|
Some companies are better for certain infractions than others.
- The best company for one speeding ticket: State Farm
- The best company for one accident: GEICO
- The best company for one DUI: State Farm
USAA was actually the lowest for both one speeding ticket and one accident but was eliminated from the rankings because they serve a limited population. Averaging each column out shows just how much each infraction raises rates.
|Clean record||With 1 accident||With 1 DUI||With 1 speeding violation||Average|
The biggest penalty is for a DUI at around $1,700. The penalties for one speeding ticket and one accident are similar, at around $800 and $900, respectively.
– Car Insurance Factors in Jacksonville
Want to know a secret?
When it comes to car insurance rates, more goes into them than just the relatively obvious. There are auxiliary factors that raise or lower rates, depending on if you qualify.
And there’s more than that as well. A city’s prosperity and average incomes play a role as well. After all, just because an insurance premium is high doesn’t mean it’s taking a huge chunk out of your paycheck. This section covers all that and more. It’s a deep dive into Jacksonville and how the River City affects car insurance rates.
– Metro Report – Growth and Prosperity
Every year, the Brookings Institute releases a Metro Monitor report that grades the largest 100 metro areas in America by prosperity, growth, and inclusion. In this section, we’re taking a look at Jacksonville for the first two categories. Jacksonville ranked 35th overall for growth between 2007 and 2017.
- Percentage change in jobs: +7.8 percent (ranked 40th)
- Percentage change in gross metropolitan product: +3.8 percent (82nd)
- Percentage change in jobs at young firms: -1.6 percent (13th)
As good as its growth was, it didn’t make much of an impact on overall prosperity. Jacksonville ranked 95th here.
- Percentage change in productivity: -3.7 percent (96th)
- Percentage change in the standard of living: -9.8 percent (93rd)
- Percentage change in average annual wage: +2.2 percent (83rd)
A stagnating average wage can lead to problems, especially as premiums have a tendency to rise over time This leads to you paying more for car insurance out of your paycheck, even if you haven’t filed a claim.
– Median Household Income
To analyze the impact of your premium on your paycheck, we came up with a statistic called premium as a percentage of income (PaPI). It shows how much you’re paying out of your income for your car insurance premium.
The following data for this section and every section up until Driving in Jacksonville comes from Data USA. This organization has data scientists who use government and public data to create profiles of cities, counties, and states.
In Jacksonville, the median household income is $51,497 and the average insurance premium is $3,449.95. By dividing the latter by the former, we get 6.7 percent. That is the average resident of Jacksonville’s premium as a percentage of income. Compared to other cities in Florida, this is on the lower end.
|City||Median Income Level||Average Car Insurance Premium||Premium as % of Income|
To calculate your own premium as a percentage of interest, plug your information into the calculator below.
– Homeownership in the Jacksonville
You might ask, “Why do you have a homeownership section in a car insurance guide?”
You’re right. It may seem strange on the surface. But homeownership has an impact on your rates. Whether you rent or own can influence your rates by hundreds of dollars.
The reason? Companies look at homeownership as a signal of responsibility and financial stability. If you’re a homeowner, you’re eligible for discounts with various companies. It may also be factored into risk models, lowering your rate.
In Jacksonville, the average home value is $177,000. This is lower than the average in Florida and the United States.
- United States: $193,500
- Florida: $178,700
- Jacksonville: $177,000
- Duval County: $156,200
The rent-to-own statistics show the percentage of people that are owners of their residences. In Jacksonville, that number is lower than Duval County, the United States, and Florida.
- Florida: 64.8 percent
- United States: 63.8 percent
- Duval County: 57.7 percent
- Jacksonville: 54.7 percent
This may not be surprising, as Jacksonville is an urban center and homeownership rates are higher in rural areas than urban. It may be one of the reasons why car insurance is more expensive in cities such as Jacksonville, compared to rural areas.
– Education in Jacksonville
Education also affects car insurance rates. Many companies offer discounts for those who have graduated with at least a four-year bachelor’s degree. Many more still offer discounts for schools associated with the company.
As the Consumer Federation of America has noted in the past, major car insurance companies charge high-school educated and blue-collar workers more for car insurance than higher-educated or white-collar workers.
There has been pushback against this in recent years, with it being mentioned alongside other demographic factors as discriminatory towards poorer communities.
In the River City, three of the largest universities accounted for nearly 80 percent of the total degrees awarded.
- Florida State College at Jacksonville: 8,029 degrees awarded or 46.4 percent
- University of North Florida: 4,267 degrees awarded or 24.6 percent
- Jacksonville University: 1,338 degrees awarded or 7.73 percent
The top degrees awarded were a mix of health care, social sciences, business, and communication.
- Registered nursing: 1,002 degrees awarded or 18.1 percent
- General psychology: 356 degrees awarded or 6.44 percent
- General business administration and management: 347 degrees awarded or 6.28 percent
- Mass communication and media studies: 287 degrees awarded or 5.19 percent
- Other business administration, management, and operations: 249 degrees awarded or 4.5 percent
Keep in mind that these also influence the type of job a person is qualified for. And those jobs help determine how much a person is going to be paid. This affects how much a person is paying out of their paycheck for car insurance.
– Wage by Race & Ethnicity in Common Jobs
This lingering issue of premiums as a percentage of income affects each race as well. Certain races earn more than others, statistically and consistently. This wage data from Data USA is for the entire state of Florida, as it had no local results.
|Race/Ethnicity||Miscellaneous Managers||Premium as a % of Income||Registered Nurses||Premium as a % of Income||Customer Service Representatives||Premium as a % of Income|
|Two or More Races||$82,981||4.16%||$77,430||4.46%||$37,015||9.32%|
Within each category, there is at least a 2.5 percent difference in PaPI between the highest-earning race and the lowest-earning race. Within miscellaneous managers, that difference is 4 percent. Within customer service reps, it is 4.5 percent.
– Wage by Gender in Common Jobs
Men earn more than women, with the median male salary being $55,000 and the median female salary being $45,000 according to the AAUW.
In part, this disparity is due to male-dominated like finance and business have higher salaries than female-dominated industries. However, this can filter into individual jobs as well, such as those we looked at in Jacksonville.
|Job Category||Male Salary||Premium as % of Income||Female Salary||Premium as % of Income|
Even within nursing, which is a typically female-dominated profession, males earn more. This affects car insurance from the standpoint of premiums as a percentage of interest. Females earn less, so they pay more out of their income for car insurance.
– Poverty by Age and Gender
Poverty affects premiums as a percentage of interest as well. In Jacksonville, 16.4 percent of the population lives below the poverty line, according to Data USA. That’s three percentage points above the general population in the United States.
|Age Bracket||Male Povery Share||Female Poverty Share|
The group that gets affected the most is adult females, who are consistently more in poverty per age bracket than their male counterparts. Children below 5 years of age or between 6-11 also get affected more, with some of the highest percentages.
Not only does being poor affect how much you can pay on car insurance, but it also affects a person’s rates. Someone who is poor might live in an area where there are more vehicle thefts or have had trouble paying bills, resulting in a poor credit history.
This can lead to higher rates.
– Poverty by Race & Ethnicity
Poverty can also be broken down by race and ethnicity. To get these statistics, we used two of Data USA’s datasets. One is the racial or ethnic composition of Jacksonville and the other is their poverty rates.
|Race/Ethnicity||Share of Population||Share of Poverty|
|Black or African American Alone||31%||44%|
|Hispanic or Latino||10%||9%|
|Two or More Races||3%||3%|
|Some Other Race Alone||1%||1%|
African Americans have a disproportionately higher number of people in poverty. Whites and Asians are the reverse. The rest stay roughly the same. Again, poverty affects how much a person can pay for car insurance and affects genders and ethnic groups differently.
The ones who have the most challenges in paying for car insurance, according to these statistics? African-American women.
– Employment by Occupations
It may seem straightforward that occupations can affect rates. It’s all about the money, right?
In a sense. However, certain insurance companies offer discounts for certain occupations. Federal employees, for instance, get discounts with companies such as GEICO. Teachers get discounts, depending on the company.
Jacksonville experienced a 3.02 percent increase in job growth from 2016 to 2017. The total number of workers rose from 415,000 to 427,000. The top occupations in Jacksonville were a mix of white-collar and service professions.
- Office and administrative support occupations: 66,926 employees or 15.7 percent
- Sales and related occupations: 46,967 employees or 11 percent
- Management occupations: 43,227 employees or 10.1 percent
- Food preparation and serving-related occupations: 27,998 employees or 6.55 percent
- Business and financial operations occupations: 23,301 employees or 5.45 percent
These five occupations make up nearly half the total occupations in Jacksonville. To see if you qualify for an occupational discount or any of the discounts in this section, make sure to talk with your insurance agent.
Driving in Jacksonville
Can we be completely honest with you?
Car insurance is more than just rates. It’s more than that number at the bottom of your billing statement that reads in the hundreds or the thousands. There are other factors as well that go beyond how much you pay.
- Road conditions
- Vehicle theft
- Car repairs
- Having a car or having multiple cars
There’s also nothing more frustrating than having an accident or an incident and realizing you’re not covered. We understand. That’s why we’ve put together this section, to cover all the uncertain situations you might experience while driving in Jacksonville. We’ll add tidbits on the way about which insurances can help in what situations.
Let’s get down to business.
– Roads in Jacksonville
Imagine this. You’re driving down a main road on the way to Interstate 10, about to head off to the beach. All is going well until you see a dark shape on the road. You swerve, but it’s too late. Your tire pops and the steering wheel gets tough to control. You pull over to the side of the road, fuming. That trip to the beach will have to wait another day.
Road conditions can cause frustration, delays, and even a higher vehicle operating cost. We know those things are important to you and have put together this section to cover all things roads in Jacksonville.
– Major Highways in Jacksonville
There are eight major highways running in or around Jacksonville. Fortunately, none of them are toll roads.
|Interstate/Highway||Length (Miles)||Toll Road|
However, Florida has 719 miles worth of toll roads crossing the state, the largest amount in America. To access those toll roads, you can use one of three payment methods.
|SunPass||Wireless Transponder||Florida, Georgia, North Carolina||SunPass Mini|
|Toll-By-Plate||License Plate Reader||Florida||pay by invoice||same as cash|
Each has its perks. SunPass is good for toll roads in North Carolina and Georiga as well as Florida. E-PASS has a cheaper option for its lowest price point. Toll-By-Plate is more convenient but more expensive than the other two.
– Popular Road Trips/Sites
How much you drive, as we’ve seen, affects your car insurance rates. The farther you drive, the more likely you are to have to file a claim, which car insurance companies no doubt take into account. Fortunately, there are several attractions just a couple of hours from Jacksonville, so you don’t have to burn so many miles when planning your next excursion. Here are four:
- Ginnie Springs (1 hour, 40 minutes): Ginnie Springs is a hotbed for all things water sports, including boating, scuba diving, and snorkeling. There are also campgrounds and opportunities to swim with the manatees.
- St. Augustine (50 minutes): St. Augustine was founded in 1565 by Spanish explorers and was ceded along with the rest of Florida to the United States in 1819. It has cobblestone roads and quaint shops, making it a unique step into the past in the Sunshine State.
- Amelia Island (40 minutes): With a mixture of shopping, seafood, water sports, and beaches, Amelia Island is a perfect weekend getaway for couples and families alike. It also has festivals, including ones that celebrate shrimp and books.
- Palatka (1 hour, 10 minutes): Palatka was founded in the 1800s and visiting its stately old buildings and houses is like taking a step back into the days of the early Florida settlers. Explore its thriving art galleries and restaurants. There are also gardens and a state park nearby.
– Road Conditions in Jacksonville
Road conditions can affect your car insurance rates and, more importantly, your bottom line in a couple of ways.
- Vehicle operating costs: Roads in poor condition can cause damages to tires, fenders, and more, often costing hundreds of dollars over the course of the year to repair your vehicle.
- Accidents: Roads in poor condition can cause accidents, an example being when someone hits a pothole, busts a tire, and loses control of the car. That person may hit another vehicle, causing car insurance rates to rise.
Fortunately, the majority of the roads in Jacksonville are in good condition.
|Poor Share||Mediocre Share||Fair Share||Good Share||Vehicle Operating Cost|
Still, you may find yourself encountering a road in poor condition. What does one look like? Edgar Snyder & Associates lists a few reasons why a road might be considered poor condition:
- Oil and chip: a road that has been resurfaced recently but becomes slick when it rains
- Shoulder drop-off: a road that has a steep drop off from the road to the shoulder
- Positive guidance: a road that is broken or hard to see signs or poorly painted lines
- Wheel ruts: a road that has ruts in the gravel, making the car difficult to turn
- Potholes: a road that has large dips in the road where wheels can get stuck and pop
If you encounter one of these issues and damage your car, it is possible to hold the city responsible. However, it is unlikely they will be found liable by law unless they knew of the dangerous conditions and failed to repair them in a timely manner.
– Does Jacksonville use speeding or red light cameras?
Speeding and traffic light tickets can raise your rates. Fortunately, it appears there are no traffic light tickets in Jacksonville or Duval County.
When it comes to speeding cameras, Florida police are much more likely to hide in an area that is hard to see, run the radar gun, and pull someone over. When it comes to red-light cameras, they were discontinued in 2018.
The reasons? Sheriff Mike Williams, the head of the Jacksonville and Duval County consolidated police department, cited a study that said red-light cameras did not deter accidents and might actually cause them. This is according to WJXT News4Jax.
Jacksonville driver Julie Damron told the news station, “There have been other times I’ve almost rear-ended somebody else because of that. So you see people stopping, slamming on their brakes because they don’t want to get a ticket when actually it is a yellow light and they can go through it.”
So it has ended in Jacksonville. However, red-light cameras are still active in other places in Florida. The penalties are stiff, with the initial red-light ticket usually costing $158.
– Vehicles in Jacksonville
Fact: Your vehicle affects your car insurance rates. The make and model, how many miles you drive, and whether you live in a high-theft neighborhood are all aspects that affect your car insurance rates. What does car culture look like in Jacksonville?
In this section, we’ve got you covered. From the most popular vehicles owned to the safest neighborhoods in Jacksonville, let’s begin.
– Most Popular Vehicles Owned
In 2016, YourMechanic released a report detailing the most popular vehicles in major cities in America. To get this information, the company looked at data from its repair shops. It cataloged which vehicles were serviced the most. Jacksonville made five of its lists.
- Percentage of cars serviced that were American made: 48 percent
- Most unusually popular car: Chevrolet Impala
- Percentage of cars that were hybrids: .4 percent
- Percentage of cars that had V8 engines: 13.3 percent
- Percentage of cars that were Suburus: .2 percent
The only list it didn’t make was the Porsche Index, which listed the top 10 cities with the highest percentages of Porsches serviced.
– How Many Cars per Household
Jacksonville is a major urban area, which often means a lower median household income than the surrounding areas or nationwide. It should follow, then, that people own fewer cars on average than nationwide averages.
|Number of Cars||Jacksonville Share||United States Share|
That bears out, with more Jacksonville residents owning one or two cars compared to the nationwide averages. Jacksonville households are also less likely to own three cars or more than the nationwide households.
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– Households Without a Car
Not owning a car sometimes has to do with the price of car insurance. If a person is quoted a rate that’s too high, perhaps due to their credit score or demographic reasons, they might not be able to afford insurance.
And they may be put into a position of driving without insurance or not driving at all. In Jacksonville, nine out of 100 people don’t have a car, according to census survey estimates.
|2015 Households without Vehicles||2016 Households without Vehicles||2015 Vehicles per Household||2016 Vehicles per Household|
This poses challenges for people without cars, including the ability to get to jobs, get to grocery stores, or get to other places that are needed in everyday life. People in poverty might actually spend more on transportation than those with cars. This is according to the Federal Highway Administration.
– Speed Traps in Jacksonville
Florida, in general, is notorious for its speed traps. Fortunately, in 2000, Speedtrap.org started allowing users to submit speed traps they knew of or saw, with people giving the thumbs up or thumbs down on submissions.
The good news: Jacksonville is not in the top 10 worst cities for speed traps in Florida. The bad news: Jacksonville has 210 speed traps listed dating back to 2000. Some of the more recent are from 2014 to 2018.
- Westbound – Intracoastal Bridge on Atlantic Boulevard: Going downhill westbound, the speed limit is 45 mph. Police hide in the medium at the end of the bridge using unmarked cars to hand out tickets—usually during 3 to 6 p.m. at higher traffic hours
- Blanding and Townsend: Officers lie in wait for their next chance to give a ticket on the highest end.
- St. Johns between the beach and Town Center: Officers are in the Morocco Shrine parking lot, in the Kangaroo or in a dirt patch on the northbound side of St. Johns at the corner of Alumni. The speed limit is 45 mph, but cars usually travel at 55-65 mph.
They may be dated but often cities don’t change. And neither do the speed traps.
– Vehicle Theft in Jacksonville
Vehicle theft can affect your car insurance rates. Even if your car isn’t stolen and you don’t have to file a claim, you can still pay higher car insurance rates than others because you live in a high vehicle theft area.
These numbers come from NeighborhoodScout, which combs through data from 18,000 local law enforcement agencies to put together crime statistics about specific areas. Jacksonville has a much higher vehicle theft rate than the United States overall.
|Area||Motor Vehicle Theft (Total)||Motor Vehicle Theft Rate|
The crime map shows that the most dangerous neighborhoods are clustered to the north. Most of the safest neighborhoods are to the south and east.
Overall, you have a 42 in 1,000 chance of being a victim of crime in Jacksonville. This is much higher than in Florida overall.
|Jacksonville Total Crimes||Violent||Property||Total|
|Number of Crimes||5,711||32,075||37,786|
(per 1,000 residents)
|Florida Crime Rate (per 1,000 residents)||4.08||25.12||29.20|
In Jacksonville, the crime rates for every single violent crime category are higher than national rates.
|Area||Murder (Total)||Murder Rate||Rape (Total)||Rape Rate||Robbery (Total)||Robbery Rate||Assault (Total)||Assault Rate|
These elevated rates are not surprising for urban regions, where more people tend to congregate in a much smaller space than rural communities. Some of these issues such as vehicle theft and vandalism can affect your car insurance rates.
Fortunately, there is insurance that protects against these kinds of incidents. It’s called comprehensive and it protects against all things other than collisions, such as vehicle damage from weather, hitting an animal, riots, and vehicle thefts. Getting it helps.
– Traffic in Jacksonville
You don’t like traffic. After all, who does? The stop-and-go, the constant hitting of the brake, those annoying flashing brake lights, it’s enough to give someone a headache.
In this section, we cover traffic in Jacksonville, from the congestion to the commute times to just how bad (or good) the drivers are. Let’s get down to business.
– Traffic Congestion
When it comes to traffic congestion in Jacksonville, we took a look at two major traffic indexes that analyze traffic, not just in the United States, but worldwide.
INRIX, a leading traffic index, listed Jacksonville as the 179th most congested city in the world. It’s ranked 39th in the United States. INRIX’s reasoning was explained in three statistics.
- Driving time spent in congestion (2018) (per person): 60 hours
- Inner-city last mile per hour: 17
- Cost of congestion per driver: $840
TomTom, another traffic index, had Jacksonville ranked 314th worst in the world when it came to traffic.
For its statistics, it looked at over 1.3 billion kilometers of roadways. The best day for traffic was December 25. The worst was December 21.
- Highway congestion level: 10 percent
- Non-highway congestion level: 22 percent
- Morning peak congestion: 32 percent
- Evening peak congestion: 43 percent
At peak congestion, a 30-minute minute morning commute took an additional 10 minutes. A 30-minute evening commute took an additional 13 minutes. The overall congestion level decreased from 18 percent to 17 percent from 2017 to 2018.
TomTom also offers a real-time traffic analysis, including the number of traffic jams at the moment and a more detailed look at the past 48 hours.
How does this traffic affect commute times? This data comes from Data USA.
The majority of residents of Jacksonville have commute times under 24 minutes, with the overall average being that exact amount. This is roughly in line with the average national commute of 25.5 minutes.
|Commute Time (minutes)||Jacksonville Share||United States Share|
Most Jacksonville residents, like U.S. residents, drove to work alone.
- Drove alone: 79.8 percent
- Carpooled: 9.59 percent
- Worked from home: 4.54 percent
These are roughly in line with the national averages.
There is a car insurance angle to this as well. Crashes, including fatal ones, occur often during morning and evening commutes. These include a good chunk of overall traffic fatalities according to Big Think.
– How safe are Jacksonville streets and roads?
Fatalities, it appears, are an inevitable part of driving. There are big vehicles moving at a very rapid pace. Still, there are causes of fatal crashes that, if addressed, could reduce the overall frequency of fatal crashes. In Jacksonville, the leading determiner of fatal crashes is single-vehicle, which is often associated with roadway departures. These statistics come from the National Highway Traffic Safety Administration’s (NHTSA) State Crash Report.
Although single-vehicle accidents are clearly the top determiner, the next four highest categories are clustered together. Alcohol-impaired, roadway departure, intersection-related, and passenger car deaths are all separated by just 23 fatalities.
This may show the variance of Jacksonville’s driving challenges. Roadway departures are most often associated with rural areas, whereas intersection-related accidents are most often associated with urban areas.
Most deaths in Florida come from arterial, or main roads. This data comes from NHTSA’s Fatality Analysis Reporting System.
|Road Type||Fatal Crashes|
According to the Federal Highway Administration’s Highway Function Classification system, arterial roads can be broken down into principal arterial roads and minor arterial roads.
Principal arterials are similar to your six-lane thoroughfares. They move people as quickly as possible from different parts of the city to other parts of city or to highways. Minor arterials are much smaller but have a similar purpose.
Arterials present driving hazards not often seen on highways. These include the possibility of turning right or left, coming to quick stops often, roads that are in poor condition, or traffic merging from different directions.
There were 27 railroad incidents in Duval County between 2012 and 2016. This data on crossing incidents in the United States comes from the U.S. Department of Transportation.
|Highway User Speed||Calendar Year||County||Highway||Highway User Type||Rail Equipment Type||Non-Suicide Fatality||Non-Suicide Injury|
|2012||DUVAL||KING S||Pedestrian||Psgr Train||0||1|
|0||2012||DUVAL||MCDUFF A||Automobile||Psgr Train||0||1|
|0||2012||DUVAL||RENESSENZ IND||Pick-up truck||Yard/Switch||0||2|
|0||2013||DUVAL||AIRPORT CENTER DR||Automobile||Freight Train||0||0|
|3||2013||DUVAL||20TH STREET||Automobile||Light Loco(s)||0||0|
|0||2013||DUVAL||GARY STREET||Automobile||Freight Train||0||0|
|0||2013||DUVAL||TIMUQUANA RD||Automobile||Psgr Train||0||0|
|15||2013||DUVAL||CYLINDER LN||Truck-trailer||Freight Train||0||0|
|10||2013||DUVAL||ALTA DR||Truck-trailer||Freight Train||0||1|
|20||2014||DUVAL||MCDUFF ST||Automobile||Freight Train||0||1|
|1||2014||DUVAL||HAWTHORNE ST||Automobile||Freight Train||0||1|
|0||2014||DUVAL||SAN JUAN AVENUE||Pick-up truck||Psgr Train||0||1|
|7||2014||DUVAL||W 20TH ST/MELSON/W 2||Automobile||Freight Train||0||1|
|0||2014||DUVAL||CHAFFEE RD||Truck-trailer||Freight Train||0||0|
|0||2015||DUVAL||TIMUQUANA RD||Van||Psgr Train||0||0|
|25||2015||DUVAL||WILLOWBRANC H||Automobile||Psgr Train||0||5|
|1||2015||DUVAL||LANE AVENUE||Truck-trailer||Light Loco(s)||0||0|
|0||2015||DUVAL||LANE AVENUE||Truck-trailer||Freight Train||0||0|
|25||2015||DUVAL||NORWOOD AVE||Automobile||Freight Train||0||0|
|10||2015||DUVAL||HAYDON RD||Truck-trailer||Freight Train||0||1|
|0||2016||DUVAL||TIMUQUANA RD||Automobile||Psgr Train||1||0|
|0||2016||DUVAL||COLLINS RD||Pick-up truck||Freight Train||0||0|
|0||2016||DUVAL||PRIVATE ROAD||Truck-trailer||Freight Train||0||0|
Fortunately, there were just two fatalities in those 27 railroad incidents. However, Florida is still a state with some of the most railway fatalities and injuries.
- Trains and cars don’t mix.
- The train you see is closer and faster-moving than you think.
- Be aware that trains cannot stop quickly.
- Never drive around lowered gates.
- Don’t get trapped on the tracks.
- If your vehicle ever stalls on the tracks, get out and get away from the tracks.
- At a multiple track crossing waiting for a train to pass, watch out for a second train on the other tracks.
- When you need to cross, go to a designated crossing, look both ways, and cross the tracks quickly.
In the end, always expect a train.
– Allstate America’s Best Drivers Report
Every year, Allstate releases its Best Drivers Report, which ranks driving behavior for drivers in cities all across the country. Jacksonville comes in at number 69 in the 2019 Report, dropping 19 spots from 50.
|Average Years Between Claims||2019 Best Drivers Report Ranking||Change in|
2018 to 2019
|Hard-Braking Incidents per 1,000 miles|
Jacksonville drivers average 9.8 years between claims, which is below the average of 10.57 years.
Ridesharing is a popular way to get around if you don’t have a car or if you’re just looking to have a safe weekend night out. However, the rates can be high. The following information comes from Ride Guru.
To get a gauge on rates in Jacksonville, we took a hypothetical trip from the Jacksonville International Airport to the Jacksonville Veterans Memorial Arena. The trip is 17.3 miles and takes 28 minutes.
- Uber: X $26 | Black $67
- Taxi: $39
- Carmel: $83
Carmel is a full-size sedan or limousine service, which is probably one of the reasons the price is much higher than the others. On this trip, it doesn’t seem that Lyft is available. However, according to Lyft’s website, it is active in Jacksonville overall.
– E-Star Repair Shops
If you buy car insurance through Esurance, you have the option of signing up for its E-star direct repair program. This program pairs you with high-quality, environmentally-friendly repair facilities near you. If you’re in Jacksonville, you have nine choices of repair facilities within 50 miles.
|Name of Facility||Address||Contact 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 - PALATKA||3517 REID ST|
PALATKA FL 32177
P: (386) 328-2671
F: (352) 328-0411
|GERBER - ST. AUGUSTINE/ST. RD 16||2120 STATE ROAD 16|
SAINT AUGUSTINE FL 32084
P: (904) 829-3769
F: (904) 823-9203
|PROSTAR COLLISION CENTERS||8655 PHILLIPS HWY|
JACKSONVILLE FL 32256
P: (904) 737-6850
F: (904) 737-6350
|SERVICE KING REGENCY||8929 ATLANTIC BLVD|
JACKSONVILLE FL 32211
P: (904) 725-2649
|STEVENSON COLLISION CENTER||85049 COMMERCIAL PARK DRIVE|
YULEE FL 32097
P: (904) 225-3131
F: (904) 225-3193
With the program, you get daily updates about your vehicle, including the progress they’re making on it complete with pictures.
– Weather in Jacksonville
Florida is known as the Sunshine State, warm and sunny, where many northerners go to during winter. In Jacksonville, the temperature stays on average within a 20-degree range according to U.S. Climate Data.
It also has 221 sunny days on average, which is more than the 205 days an average U.S. city has. This is according to Sperling’s Best Places.
|Average Sunshine||221 days|
|Average Annual Rainfall||50 inches|
However, in spite of its friendly climate, Jacksonville has had a greater number of natural disasters (21) than the average U.S. city or county (13) according to City-Data.com. 14 of these natural disasters were declared so by a sitting president.
Five emergencies have been declared. The causes of these disasters have been varied: hurricane (10), fires (four), tropical storms (four), floods (three), tornadoes (three), storms (two), freeze (one), and wind (one).
Like vehicle theft and vandalism, comprehensive car insurance can protect your vehicle from weather damage as well. It may come at a higher price living in Florida where there are known hazards. But it might give you peace of mind knowing that your financial future is secure even with another hurricane bearing down.
– Public Transit in Jacksonville
If you’re without a vehicle, one of the first parts of the city you might become acquainted with is the public transit system.
Unless you’re looking for a trip out of town with Amtrak, you’ll be turning to one resource: The Jacksonville Transportation Authority (JTA). JTA operates all the public transit in Jacksonville, including the regular bus service, the express bus service, and the Jacksonville Skyway.
There are seven programs overall:
According to JTA, its taxicab service has been discontinued and replaced with ReadiRide.
– Cost of Alternate Transportation in Jacksonville
Bird, Lime, or any of the other electric scooter companies do not seem to be active in Jacksonville.
– Parking in Jacksonville
With over 44,000 parking spaces in garages, lots, and meters, Jacksonville seems to have a great deal of parking to offer downtown visitors and residents.
For the ins and outs of parking in downtown Jacksonville, we turned to Downtown Vision Inc. It produced a list of guidelines and information that covers everything from how much a meter costs to when parking is free.
- Cost of meters: 25 cents for 30 minutes
- When parking is free: on weekends and after 6 p.m.
- Currency: Most meters take credit cards, though some only take quarters
Parking downtown on the street without a meter isn’t possible.
Aside from side streets, there are lots and parking garages available.
– Air Quality in Jacksonville
Every year, the Environmental Protection Agency releases an air quality index report that covers major metro areas in the United States. Air quality, according to the EPA, can be influenced by numerous pollutants, some of which come from cars.
Some common pollutants are fine particles, ground-level ozone, sulfur dioxide, nitrogen dioxide, lead, and carbon monoxide. Air quality in Jacksonville over the past three years has mostly been in the good to moderate range.
|YEAR||DAYS WITH AQI||GOOD DAYS||MODERATE DAYS||UNHEALTHY DAYS FOR SENSITIVE GROUPS||UNHEALTHY DAYS|
Unfortunately, and perhaps of some concern, is that the air quality is decreasing slightly from year to year.
Being an active service member is tough. The long hours, the unpredictable schedule, not knowing where you’ll be in the next month or even the next year are all stressful. Do you know what shouldn’t be stressful? Buying your car insurance.
We’ve put together this section with that in mind. We have the breakdown of vets in Jacksonville based on when they’ve served, which bases are within an hour, discounts by regular providers, and, of course, USAA.
Let’s get busy.
– Veterans by Service Period
In Jacksonville, the largest percentage of vets served per conflict is in the Second Gulf War. It is far more than the average for the average American city.
|Service Period||Jacksonville Share||United States Share|
|World War II||1%||4%|
|First Gulf War||22%||18%|
|Second Gulf War||41%||25%|
The majority of vets in Jacksonville are from the last two Gulf War conflicts. Every other conflict has a lower percentage compared to the nationwide averages.
– Military Bases within an Hour
According to Military.com, Jacksonville has the third-largest military presence in the country. And according to MilitaryBases.com, there are four military installations in Duval County, three within Jacksonville.
- NAS Jacksonville Naval Base
- Naval Hospital Jacksonville Naval Base
- Blount Island Command Marine Corps
- Naval Station Mayport in Duval County
That might explain the large percentage of veterans or service members from the last two Gulf wars. Jacksonville has a lot of current service members in the area that might choose to settle in Jacksonville after they are discharged.
– Military Discounts by Providers
Four major companies offer discounts to service members operating within Florida.
- Allstate: No additional details
- GEICO: Must be active or retired
- Liberty Mutual: Must be active
- State Farm: Only in select states
If you’re unsure of a discount, call your agent for more information.
– USAA Available in State
Aside from discounts from major insurance companies, there always is USAA.
USAA is a bit of a home run for military service members. It often has the lowest rates of any company in an area. It also has great customer satisfaction and some of the strongest financial ratings.
In Florida, USAA’s rates are the cheapest of all the major companies.
|Group||Average Premium||Difference (+/-)||Difference (%)|
USAA is a full $1,800 below average and $4,600 below the most expensive company in Allstate. Overall, it is 39 percent below the average at a price point of $2,800 for a year.
USAA is available to service members and their immediate family members (spouses and children).
Unique City Laws
Every city has unique laws. Here are four categories that apply to just about everyone in Florida.
– Hands-Free Laws
On October 1, 2019, Florida’s new hands-free law went into effect. It builds off the texting and driving ban and prohibits drivers from using handheld devices at all while driving through school zones and construction sites.
According to News Channel 8, “Penalties for the hands-free portion of the law begin on January 1 and include a $60 fine and three points added to a license. This is a stiffer penalty compared to the $30 dollar fine for texting while driving, and no points.”
– Food Trucks
If you’re starting a food truck business in Jacksonville, there are some regulations you need to follow. According to Food Truck Finder USA, you’ll need to complete four steps to serve food legally in Jacksonville, Duval County, and Florida.
- Register as a business entity with the State of Florida
- Get general liability and commercial insurance
- Get a mobile food permit from the Florida Department of Agriculture and Consumer Services
- Get a Duval County food vendor permit
For insurance, you’ll need general liability and commercial insurance to protect yourself while driving and while serving the food. General liability works like regular liability for car insurance. It protects you if you hit another vehicle.
Commercial insurance protects yourself from lawsuits if something were to happen while you’re serving the food. This can be if the food was prepared badly and someone got sick or if someone slipped and fell where you were serving.
Different states have different requirements when it comes to commercial and business liability insurance. Ask your insurance agent for more information.
– Tiny Homes
According to Nolo, building a tiny home on your property depends on local regulations. Although a search for tiny homes and accessory dwelling units in Jacksonville’s city code revealed nothing, it is possible as this video shows.
Often, it just depends on the specific zoning code your house is in and whether tiny homes are allowed to be built. Check with your city planner or the planning department for more information.
– Parking Laws
- There are parking laws in every city. They are generally extensive and deal with some strange situations. Jacksonville’s city code covers numerous situations, including for disabled-designated parking spots, counterfeit coins in meters, and meters.
- The disabled: “It shall be unlawful for a person to park, stop or stand a vehicle in a parking space designated in accordance with the provisions of…for use only by the disabled unless the vehicle displays a parking permit issued….”
- Counterfeit coins: “It is unlawful for a person to deposit or cause to be deposited in a parking meter in the City a false coin, slug or object other than a lawful coin of the United States or other form of lawful payment.”
- For meters: “It shall be unlawful to park a vehicle across a line or marking so that the vehicle is not entirely within the area for parking designated by lines or markings….”
Jacksonville Car Insurance FAQs
– When was Jacksonville founded?
Although the area surrounding Jacksonville had been inhabited for thousands of years by indigenous people, it wasn’t until 1832 that a formal town was established. It was called Jacksonville after then-president Andrew Jackson. It played a key role in the feeding of Confederate soldiers by shipping hogs and cattle up north.
– Where’s Jacksonville located?
Jacksonville is located on the banks of the St. Johns River, part of a coastal area in Florida. It is just 25 miles south of the Georgia border and over 300 miles north of Miami. Because of its location, it is home to many military establishments, including multiple naval bases.
– Which Jacksonville beach is the best?
Only In Your State has a list of the best Jacksonville beaches, including Jacksonville Beach, Atlantic Beach, and Neptune Beach. Jacksonville has 22 miles of pristine, white beaches that don’t disappoint. Some are great for surfing, others are good for relaxing, and others are ideal for partying.
– Why is Jacksonville a good place to live?
Jacksonville has a few things working for it. According to the Metro Report by the Brookings Institute, Jacksonville was ranked 35th in growth from 2007 to 2017. It experienced 7.8 percent job growth along with 3.8 percent growth in its gross metropolitan product. According to some, it has a low cost of living as well.
– Why is Jacksonville called Duval?
Jacksonville is nicknamed Duval because it is in Duval County. Duval County is the seventh-most populous county in Florida and is consolidated with Jacksonville. This means that school systems and other public systems like law enforcement work from the same department for both Jacksonville and the county.
– Which Jacksonville was Deadpool talking about?
Although the movie Deadpool did not specify which Jacksonville the character was referring to, most people assume that the Jacksonville in the movie is Jacksonville, Fla. The movie also references the TGIF’s locations in Jacksonville, which some have taken pride in. This has led to some trying-too-hard tweets from TGIF’s official Twitter account.
– What is Jacksonville known for?
Jacksonville is known for being a part military town, with a couple of full-size bases within city limits and one in nearby Blount Island. It is also the most populous city in Florida with a population of over 800,000. And there are the Jaguars and its long-suffering fans. Fortunately, with new quarterbacks in town, maybe their luck will change.
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