Car Insurance in Jacksonville, FL - Get a Quote Today

Auto Insurance for Jacksonville, FL

As the largest city (by area) in the nation, driving can be a little more challenging in Jacksonville, Florida than in other American cities. A big city means lots of vehicles on the roadways, increasing the chance of accidents. This means it's important to have the right kind of car insurance coverage if you're driving in Jacksonville, St. Augustine, or anywhere along Florida's First Coast. GEICO offers affordable auto insurance rates with exceptional customer service, including experienced insurance agents who are ready to serve you in Jacksonville and Orange Park. Whether you're looking for a better auto insurance policy or are a new Jacksonville resident, turn to GEICO for a free car insurance quote today.

Minimum Car Insurance Requirements in Jacksonville, FL

It's important for drivers from Jacksonville to get the right car insurance coverage on their vehicle. GEICO offers different auto coverage options to fit your needs and budget, but basic insurance coverage is required for every driver. You can be fined for not having valid proof of Florida car insurance. So be sure to have your physical or electronic insurance ID card when you drive.

Minimum liability requirements for auto insurance in Jacksonville, FL:

  • Bodily injury coverage*: $10,000 per person / $20,000 per accident
  • Property damage coverage: $10,000 per accident
  • Uninsured motorist coverage*: $10,000 per person / $20,000 per accident
  • Personal injury protection (PIP): $10,000

*Bodily Injury Liability and Uninsured Motorist Coverages may be rejected in writing.

These minimum requirements provide a basic level of protection, but keep in mind that they may not fully cover the costs in a serious accident. Consider additional coverage options to better protect yourself and others on the road. Visit our Coverage Calculator to get a personalized recommendation to fit your insurance needs.

Factors that Affect Car Insurance Rates in Jacksonville, FL

Car insurance rates in Jacksonville, Florida, are influenced by several personal and local factors, including:

  • Driver age, gender, and marital status
  • Driving record
  • Zip code
  • Vehicle age, make, and model
  • Mileage and usage

Car Insurance Discounts in Jacksonville, FL

GEICO offers competitive rates on Jacksonville car insurance policies, but you may also be able to save more. Check out our available car insurance discounts and you may be able to save more on an auto insurance policy. GEICO discounts may include:

  • Multi-Vehicle Discount: Insure multiple vehicles with GEICO and earn lower car insurance premiums.
  • Multi-Policy Discount: Bundle your auto coverage with other insurance policies like home, renters, or life insurance and save.
  • Defensive Driving Discount: If you've completed a defensive driving course, you may be able to save more. Learn more about GEICO’s defensive driving discount.
  • Good Driver Discount: Drivers who maintain a clean driving record for a minimum of 5 consecutive years may be eligible for car insurance discounts.
  • Pay in Full Discount: Pay your term premium in full and get a discount.
  • DriveEasy Discount: By enrolling in the GEICO DriveEasy program and monitoring your driving, you could qualify for a discount. Download the GEICO DriveEasy app, drive safer, score better, save more.
  • And more!

See all of the car insurance discounts that are available with GEICO.

Is Car Insurance Required by Law in Jacksonville, FL?

Car insurance is required by law in Jacksonville, FL, as it is throughout the entire state of Florida. Penalties for driving without insurance are stringent and can have significant consequences. If caught,

  • Your driver's license, vehicle plates, and registration may be suspended for up to three years.
  • Additionally, there are reinstatement fees that escalate with each offense: $150 for the first offense, $250 for the second offense within three years, and $500 for the third offense within three years.
  • You may also be responsible for damage you cause out of pocket if you do not carry the appropriate coverage.

These penalties emphasize the importance of maintaining continuous car insurance coverage.

Jacksonville, FL Insurance Agents

While you can get in touch with GEICO online or by phone, we also offer experienced local insurance agents who are ready to assist you with a new or existing policy! Our Jacksonville insurance agents are conveniently located in Jacksonville and Orange Park and serve the entire First Coast region.

More Info on Florida Car Insurance

You can learn more about Florida car insurance on the GEICO Florida Car Insurance page. You'll find information that'll help you make the right choice when it comes to the right insurance coverage for your car.

*Bodily Injury liability and Uninsured Motorist coverages can be waived.

Some discounts may not be available in all GEICO companies or in all situations.

The regulations in your state will dictate which additional factors an insurer may use in calculating premiums including, but not limited to age, gender, marital status, credit-based insurance score, and prior insurance history.

DriveEasy is an optional program that is not available in all states and situations. Premium rates generally will vary based on participation in the program and the driving habits logged by the app.