News Summary
Jacksonville residents can take advantage of Travelers’ highly competitive auto insurance rates, with liability coverage starting at just $53 per month. For full coverage, rates begin at $156, making Travelers the leading option in terms of affordability. The article also provides comparative analysis of liability and full coverage rates from different insurers, highlights the impact of traffic violations on premiums, and discusses regional variations in pricing. Understanding these factors is essential for Jacksonville drivers seeking cost-effective auto insurance solutions.
Jacksonville: Travelers Offers the Cheapest Auto Insurance Rates
Jacksonville residents can benefit from the most affordable auto insurance rates available, with Travelers leading the way by providing the cheapest liability coverage at an average of $53 per month. For those seeking full coverage, Travelers also tops the list with rates starting at $156 per month, further establishing its position as a cost-effective option for car insurance in the area.
Comparative Analysis of Liability Insurance Rates
In terms of liability insurance rates across Jacksonville, Travelers is not only the most economical but also significantly undercuts its closest competitors. The following are the cheapest liability insurance rates:
- #1: Travelers – $53
- #2: State Farm – $63
- #3: Mercury – $73
- #4: Nationwide – $82
- #5: Farmers – $113
Full Coverage Insurance Rates
When it comes to full coverage insurance, Travelers remains at the forefront, offering the lowest monthly rate. The rankings for full coverage insurance in Jacksonville are as follows:
- #1: Travelers – $156
- #2: Nationwide – $160
- #3: State Farm – $173
- #4: United Automobile Ins Group – $235
- #5: Progressive – $245
Impact of Traffic Violations on Auto Insurance Premiums
Jacksonville drivers should be aware that their auto insurance premiums can escalate considerably with traffic violations. On average, the insurance rate for a driver without any violations is $313. Below are the average rates following various driving infractions:
- Not-at-fault accident: $339
- Failure to wear a seat belt: $354
- Speeding 6 – 10 MPH over limit: $362
- Speeding 21 – 25 MPH over limit: $393
- DUI: $474
- Reckless driving: $493
- Driving with a suspended license: $482
- Leaving the scene of an accident/hit and run: $498
Regional Differences in Insurance Rates
Auto insurance prices in Jacksonville vary from the national average due to a combination of regional risks and regulations. For example, residents in ZIP code 32227 enjoy some of the lowest insurance rates in the area, while the most expensive ZIP code for car insurance is 32208, where full coverage averages $280 per month.
Florida Insurance Requirements
In Florida, all drivers are mandated to maintain at least $10,000 in property damage liability and $10,000 in personal injury protection. For drivers with vehicles valued at over $5,000, having full coverage is strongly recommended to ensure adequate protection.
As Jacksonville continues to grow, understanding local auto insurance options is crucial for drivers looking to save money while meeting legal requirements. The competitive pricing offered by various insurers, particularly Travelers, provides residents with ample opportunity to secure affordable coverage tailored to their needs.
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Additional Resources
- WFTV: Car Insurance Rates Jacksonville
- ValuePenguin: Best Cheap Car Insurance in Jacksonville
- News4Jax: Auto Insurance Coverage Concerns
- Wikipedia: Car Insurance
- Google Search: Car Insurance in Jacksonville
Author: STAFF HERE JACKSONVILLE WRITER
The JACKSONVILLE STAFF WRITER represents the experienced team at HEREJacksonville.com, your go-to source for actionable local news and information in Jacksonville, Duval County, and beyond. Specializing in "news you can use," we cover essential topics like product reviews for personal and business needs, local business directories, politics, real estate trends, neighborhood insights, and state news affecting the area—with deep expertise drawn from years of dedicated reporting and strong community input, including local press releases and business updates. We deliver top reporting on high-value events such as the Jacksonville Jazz Festival, Riverside Arts Market, and World of Nations Celebration. Our coverage extends to key organizations like the Jacksonville Chamber of Commerce and JAXUSA Partnership, plus leading businesses in logistics, healthcare, and entertainment that power the local economy such as CSX Corporation, Baptist Health, and VyStar Credit Union. As part of the broader HERE network, including HEREOrlando.com, HEREStPetersburg.com, HERETallahassee.com, and HERETampa.com, we provide comprehensive, credible insights into Florida's dynamic landscape.
