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UPDATED: May 19, 2020
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|Population Density||1,162 people/square mile|
|Average Annual Cost of Insurance||$3,333.28|
|Cheapest Car Insurance Company||USAA|
|Road Conditions||Poor share: 4%|
Mediocre share: 33%
Fair share: 8%
Good share: 55%
Vehicle Operating Costs: $297
The Cost of Car Insurance in Jacksonville, Florida
With a median household income of $51,497, residents of Jacksonville spend around 6.47 percent of their income on car insurance premiums.
The average annual cost of insurance in Jacksonville is $3,333.28. If you’re planning to own a car, you must be prepared to spend on car insurance as well. However, the rates might vary significantly depending on your personal situation which we would explain in detail throughout this guide.
Because of your previous experience in buying car insurance, you might wonder if reading another car insurance guide would help in bringing down costs for you. Without the proper car insurance research, you would end up buying a policy that may or may not be suitable for your needs.
As we are experts in the field of car insurance, we can provide you a step-by-step guide on how to control certain factors that would get you cheaper quotes.
You can also start comparison shopping now using our FREE online tool. Enter your zip code above to get started.
– Car Insurance Rates by Demographics in Jacksonville
Insurance rates are determined on the basis of multiple factors and population demographic is one of them. As an example, younger motorists tend to pay higher premiums because of their lack of experience with driving.
Since the median age of residents in Jacksonville is 35 years, the average motorists wouldn’t be impacted by fluctuations in rates due to age and gender.
As you get older, the cost of car insurance premium reduces because insurers believe – armed with decades of research – that younger drivers are more likely to engage in risky driving behavior.
On average, 17-year-old drivers pay around $8,924 annually in premiums whereas 60-year-old drivers pay around $2,679 – there’s a massive difference in rates between these age groups.
Once motorists turn 25, they get preferential rates from insurance carriers which remains more or less the same afterward.
When it comes to average rates for males and females in Jacksonville, females are slightly better off and pay around $4,235. The average premium for males is $4,476.
|Age and Gender||Annual Average Premiums|
|Single 17-year old female||$8,074.86|
|Single 17-year old male||$9,773.12|
|Single 25-year old female||$3,251.53|
|Single 25-year old male||$3,489.82|
|Married 35-year old female||$2,960.86|
|Married 35-year old male||$2,901.74|
|Married 60-year old female||$2,652.81|
|Married 60-year old male||$2,705.99|
– Car Insurance Premiums by Zip Code in Jacksonville
Most of the times the variation in rates for different zip codes is unnoticeable, however, your location is taken into consideration for calculating the premiums.
Between the cheapest and most expensive zip code (as per premiums) in Jacksonville, the rates vary by almost $300. If you live in a zip code that witnesses a large number of car thefts, accidents, or speeding violations, your premiums would be higher than relatively safer neighborhoods.
|Zip Code||Average Annual Premiums|
– Best Car Insurance Company in Jacksonville
When we buy any product, we always look at different factors that influence us to select a particular company.
For car insurance as well, we must carefully analyze what each insurance carrier offers before making the purchase decision. Your driving record, credit history, coverage level, and many other things determine your rates and you should choose an insurer suitable to your needs.
– Cheapest Car Insurance Rates by Insurance Provider in Jacksonville
To every motorist, the cost of car insurance matters the most – compared to other factors – because it’s a regular financial outlay without any benefits in sight.
Let’s look at what different insurers charge for car insurance in Jacksonville.
|Group||Single 17-year old female||Single 17-year old male||Single 25-year old female||Single 25-year old male||Married 35-year old female||Married 35-year old male||Married 60-year old female||Married 60-year old male||Average Annual Premiums|
The above table is sorted from cheapest to most expensive car insurance provider on the basis of average premiums. Though USAA offers the most reasonable rates in each age category, it can be availed only by military personnel and their families.
State Farm is the second cheapest car insurance carrier by average premiums, however, it’s more expensive than Geico for 17-year-old drivers.
When you research about car insurance, you would realize that you have to look through the data and find an insurer best for you rather than blindly buying a policy from a company which is rated the best overall.
– Car Insurance Rates by Annual Commute in Jacksonville
Adding miles to your car by driving to work every day might cost you more since the probability of getting involved in an accident increases.
If your daily mileage is around 10 miles, you might get discounts for low usage of the car. On that note, you can also check the usage-based program of insurance carriers that rewards motorists for good driving behavior.
|Group||10 miles commute/6000 annual mileage||25 miles commute/12000 annual mileage||Average Annual Premiums|
– Car Insurance Rates by Coverage Level in Jacksonville
Depending on the type and level of coverage you choose, your car insurance premiums are charged. It’s a no brainer that a low coverage level would get you the cheapest rates.
|Group||Low||Medium||High||Average Annual Premiums|
– Car Insurance Rates by Credit History in Jacksonville
Defaulting on your payments makes you a risky car insurance buyer for carriers. To manage the risks, car insurance companies usually charge a high premium from motorists with a poor credit history.
|Group||Poor||Fair||Good||Average Annual Premiums|
As per a study by WalletHub, it was concluded that people who don’t have a credit history pay around 67 percent higher premiums than those with an excellent credit history.
In the chart above, you can see how much the premium rate fluctuates for motorists without any credit history.
As part of the study, WalletHub conducted its research to assess the penalty imposed by carriers due to differences in credit history across the leading car insurance companies in the US.
– Car Insurance Rates by Driving Record in Jacksonville
Since the overall insurance landscape is designed to pool money from premiums and settle claims for a few, it becomes difficult for insurance carriers to charge the same premium rate from motorists with a high probability of getting involved in accidents.
Motorists with any record of accidents, speeding violations, or DUI violations are charged a higher premium than the rest to account for the losses that they may incur in future.
|Group||Clean record||With 1 accident||With 1 DUI||With 1 speeding violation||Average Annual Premiums|
Geico would be your best bet to get a low premium rate if you were involved in an accident, while State Farm is the cheapest for motorists with a DUI or speeding violation record.
Car Insurance Factors in Jacksonville
People living in prosperous cities usually get better rates than those living in poorer cities because insurance carriers associate poverty with high-crime rates. Though carriers aren’t legally allowed to discriminate on the basis of income, productivity, or prosperity, they still find a workaround to factor those statistics in their calculation.
Let’s look at some data to find out where Jacksonville stands.
In the sections below that covers growth & prosperity in Jacksonville, we are presenting data from Metro Monitor that assesses growth factors in the top 100 metropolitan cities of America.
Growth & Prosperity in Jacksonville
In the 2014-15 period, Jacksonville’ overall rank for growth was 15th. For prosperity, it ranked at 79th amongst the top 100 metro areas.
|Jobs||Gross Metropolitan Product (GMP)||Jobs at Young Firms|
|+3.8% (10th of 100)||+3.3% (29th of 100)||+7.4% (22nd of 100)|
In the job market, Jacksonville ranked at number 10th overall and 22nd for jobs in younger firms which means the economy is growing at a rapid pace.
|Productivity||Standard of Living||Average Annual Wage|
|-0.5% (78th of 100)||+1.3% (53rd of 100)||+1.6% (84th of 100)|
The numbers for prosperity aren’t as appealing as the rate of growth in Jacksonville. Though there was some growth in jobs, productivity saw a downfall and annual wages increased by a meager 1.6 percent.
Median Household Income in Jacksonville
The median household income in Jacksonville was $51,497 in 2017 as per data from the Census Bureau. From the year 2016, the rise in median income – of 0.388 percent – was insignificant as compared to the population growth of 1.3 percent.
How much impact do your premiums have on the income?
Residents of Jacksonville spend 6.47 percent of their income on car insurance premiums as the average annual premiums are $3,333. When you budget for expenses, you should account for the cost of premiums.
Homeownership in Jacksonville
Among the many factors that affect your car insurance rates, homeownership is also one of them. Owning a home signifies stability in life that gets you discounts on premiums, and you don’t even need to buy a homeowner’s policy to get the discounts.
A study by the Consumer Federation of America found that people who rent their home pay – as much as 47 percent – higher premiums than those who own a home.
In Jacksonville, 54.7 percent of the homes are occupied by their owners which is lower than the national average of 63.9 percent. This means that the majority of motorists can take advantage of homeownership discounts.
The property values in Jacksonville increased from $157,800 in 2016 to $177,000 in 2017 which wouldn’t make buying houses easier but is still cheaper than the national average of $217,600.
Education in Jacksonville
For how long does your lack of a college degree haunt you?
When it comes to car insurance, you can get penalized through higher premiums all your life if you didn’t go to college. According to insurance carriers, if you have a college degree, you’re more responsible.
What’s the state of education in Jacksonville?
In Jacksonville, the leading universities on the basis of degrees awarded are – Florida State College at Jacksonville, University of North Florida, and Jacksonville University. Students usually opt for a major in Liberal Arts & Sciences, Registered Nursing, and General Business Administration & Management.
Since the leading industries in Jacksonville are Healthcare & Social Assistance, Retail Trade, and Finance & Insurance, the economy would get a boost from more graduates in these fields.
Wage by Race & Ethnicity in Common Jobs
In Jacksonville, Asians, Alaska Natives, and Whites – in that order – are paid the highest salaries.
The most common jobs and the wages earned by people from different ethnicities in Jacksonville are illustrated (by Data USA) in the chart below.
Wage by Gender in Common Jobs
Male employees earned 1.33 times more than their female counterparts across Jacksonville in 2017. While the average salary for men was $60,114, women earned $45,343.
Across all the common occupations in Jacksonville, women earn less than men.
Poverty by Age and Gender
Around 16.4 percent of the population in Jacksonville live below the poverty line as compared to the national average of 13.4 percent. Amongst the poorest, females in the 25-34 age category are the worst affected followed by females in the 35-44 and 18-24 age group.
In the chart, you can see the percentage of males and females living below the poverty line in different age groups.
Poverty by Race & Ethnicity
The poorest ethnic group in Jacksonville is Blacks, followed by Whites and Hispanics.
Employment by Occupations
Though the poverty rate is high in Jacksonville, the good thing is that your city has registered a 3.02 percent growth in employment.
Most common jobs in the Jacksonville area are:
- Other Management Occupations Except Farmers, Ranchers, & Other Agricultural Managers
- Customer Service Representatives
- Other Office & Administrative Support Workers
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Driving in Jacksonville
Driving anywhere can be a pleasure or pain depending on the road condition, number of toll booths, and highways in your area. Let’s look at what kind of roads pass through your city.
Roads in Jacksonville
The intersection of highway 10 and 95 in Jacksonville creates a highly busy roadway system. Apart from these famous interstates, the city is accessible by world-class highways – including U.S. 1, U.S. 17, U.S. 23, U.S. 90 and U.S. 301.
Active Routes in Jacksonville
Living in Jacksonville means quick access to all the wonderful beaches around. Let’s look at the state roads that would take you to those beaches.
State Road 202: Known as the J. Turner Butler Boulevard amongst locals, this 13-mile road starts from the U.S.1 highway and continues east till the Jacksonville Beach.
State Road 10: Known as the Atlantic Boulevard, this major highway runs from the border of Alabama to the Atlantic Beach.
State Road A1A: Running all the way from the Key West to Fernandina Beach, this south-north highway is everyone’s favorite bucket-list item with quaint pitstops in coastal towns along the way. You can pass by all the beaches of Jacksonville on this route.
Here’s a breathtaking video on what to relish on the scenic A1A route.
Do remember you might be charged a toll fee while driving on one of these highways. Soon toll would be collected on a proposed road to connect the Duval, Clay and St. Johns counties, which covers the portion between I-10 and Blanding Boulevard as of now.
Popular Road Trips from Jacksonville
When you live so close to the most wonderful beaches in the state and have the St. Johns River within the city limits, every weekend can be a mini-vacation. Add a thriving nightlife scene and a massive urban park system to the mix, and you are all set for a great life ahead.
It would be a crime to sit at home during weekends if you live in Jacksonville because there’s so much to explore. Without further ado, we would list down some local favorite sites.
- Ginnie Springs: Since summer is here, it’s time to hit the cold comforts of Ginnie Springs which can be reached within two hours from the city of Jacksonville. If you’re a diver, there are extensive caverns to get lost into, and if you aren’t, you can just laze around all day.
- Amelia Island: Just a 30-mile drive from Jacksonville to the North, this island takes you to a life that’s slow and tranquil. Go there to unwind, explore boutique stores, walk around a historic town, or take a tour in the Amelia Island trolley.
- St. Augustine: You can get the glimpse of a colonial past in this town, with charming architecture and an old world vibe everywhere around you. For a moment, you might feel that you’re in Europe.
- Blue Spring State Park: A little further down south, this pristine state park takes more than two hours to reach. Home to the West Indian manatees, a trip to this park can be really exciting for the little ones from November to March when you can see these beautiful mammals frolicking in the springs.
|Poor Share||Mediocre Share||Fair Share||Good Share||Vehicle Operating Cost|
Does Jacksonville use Speeding or Red Light Cameras?
Many years ago, the city of Jacksonville installed cameras on red-lights to make their roads safer. However, as per a recent study, it was found that there was an increase in accidents by almost 10 percent because of these cameras.
Hence, red-light cameras were removed from a lot of roads.
Vehicles in Jacksonville
Some cars are extremely popular in some cities, while those same cars aren’t bought at all in other cities. Somehow few makes and models get popular amongst all the motorists of a particular city.
So, what does Jacksonville prefer?
Most Popular Vehicle in Jacksonville
In 2014, the Ford F series was the best-selling car in Jacksonville. Surprised?
Motorists also are quite loyal to brands like Honda and Toyota, with the CR-V, Civic, Accord, Corolla, Camry making it to the list of the top 10 selling cars.
Car Ownership in Jacksonville
Every household needs multiple cars if there are more than two members living together because you have to get to work and run errands too.
That’s why the percentage of households owning two cars is the highest in Jacksonville, much like the rest of the country (displayed in orange).
Speed Traps in Jacksonville
We found an old article from 2011 that talks about the worst cities for speed traps and Jacksonville is the fifth worst, followed by Orlando at number seven. According to the same article, the city of Jacksonville has around 175 speed traps – which is a lot for one city.
Whether or not those speed traps still exist cannot be known for sure, but you have to be careful while driving because you can get a speeding ticket for going over the limit even by 5 mph.
Vehicle Theft in Jacksonville
Motor vehicle theft is a serious problem in Florida, and Jacksonville ranks 4th when it comes to the rate of vehicle theft per 100,000 people. As per data from the National Insurance Crime Bureau (NICB), a leading industry body, the rate of 313 thefts per 100,000 makes it a risky city to own a car.
|City||State Ranks/US Ranks||Motor Vehicle Thefts||Rate|
Being cautious about safety protocols can protect you from car theft. For that, you can consider investing in anti-theft security measures to get some peaceful sleep at night.
Moving on to the overall crime index, Jacksonville is rated 8 on a scale of 1-100 where 100 is the safest, as per Neighborhood Scout. The safest neighborhoods in Jacksonville are – Scott Mill Rd / Mandarin Rd, Gately Rd / Broken Bow Drive E, Mandarin, Bayard, and Greenland Rd/Tierra Verde Ln.
|Number of Crimes||5,711||32,075|
|Rate of Crime/1,000 people||6.40||35.96|
When you compare the crime rate in Jacksonville with that of Florida, you would notice that Jacksonville is worse-off.
The probability of becoming a victim in Jacksonville is 1 out of 156 for a violent crime, whereas there’s a one in 245 chance overall in Florida. The national crime rate for violent crimes is four per 1,000 people.
Traffic in Jacksonville
Nobody likes to stand in traffic jams because it’s not only mentally exhausting but also costs in lost fuel and time.
Why is there so much congestion in Northeast Florida, specifically in the Duval county?
As per the 2017 North Florida Household Travel Survey, most of the people living in and around Duval country travel outside for work – and their destination is most often Jacksonville.
Living in a metropolitan region has its pitfalls, but how bad is traffic as compared to other congested cities?
As per data from Inrix, a leading name in traffic analytics, Jacksonville is the 179th most congested city across the globe and 39th in America. Drivers have spent 60 hours sitting idle in traffic which cost them around $840 in 2018.
Transportation in Jacksonville
By now, we know that people who choose to drive during peak hours in Jacksonville almost always struggle with slow-moving traffic especially on the interstates.
But how much time does it take commuters to reach office and how many cars are owned by households in Jacksonville?
- Commute Time: This should come as a relief to motorists in Jacksonville – the commute time in your city is shorter than the national average. It takes commuters 24 minutes to reach to work, and the national average is 25.5 minutes.
In the chart above, you can see the different commute time buckets and the percentage of population under those versus the national average (in grey).
- Commuter Transportation: If only people carpooled or used public transport, there could be less congestion on roads. Around 79.8 percent of the population drives to work, and only 9.59 percent carpool.
How safe are the streets in Jacksonville?
Depending on the number of crashes, you can assess the level of safety in your neighborhood streets. On the overall safety rating, Jacksonville fared below the state and national averages. Let’s find out if the road safety ratings are equally bad.
Fatalities (All Crashes) by County for 2017
|St. Johns County||31||39||37||30||42|
Fatalities in Crashes Involving an Alcohol-Impaired Driver (BAC = .08+) by County for 2017
|St. Johns County||5||10||9||9||10|
– Single Vehicle Crash Fatalities by County for 2017
|St. Johns County||17||22||20||18||22|
– Fatalities in Crashes Involving Speeding by County for 2017
|St. Johns County||5||6||2||1||4|
Fatalities in Crashes Involving a Roadway Departure by County for 2017
|St. Johns County||15||15||14||11||17|
Fatalities in Crashes Involving an Intersection (or Intersection Related) by County for 2017
|St. Johns County||5||7||10||8||11|
Passenger Car Occupant Fatalities by County for 2017
|St. Johns County||8||15||10||12||16|
Pedestrian Fatalities by County for 2017
|St. Johns County||3||9||8||6||8|
Pedalcyclist Fatalities by County for 2017
|St. Johns County||4||2||4||1||1|
Fatal Crashes in Florida
In the overall state, there were 3,112 traffic fatalities in 2017 which was 2 percent less than the previous year’s number as per data from the National Highway Traffic Safety Administration.
Let’s look at the fatal crashes by type of roads in Florida.
|Type of Road||Number of Fatal Crashes|
|Freeway and Expressway||84|
|Total Fatal Crashes||2,922|
Railroad and Highway Crash Incidents by County
|Highway User Speed||Calendar Year||County||Highway||Highway User Type||Rail Equipment Type||Non Suicide Fatality||Non Suicide Injury|
|2012||DUVAL||KING S||Pedestrian||Passenger Train||0||1|
|0||2012||DUVAL||MCDUFF A||Automobile||Passenger 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||Passenger Train||0||0|
|25||2015||DUVAL||WILLOWBRANC H||Automobile||Passenger 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||Passenger 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|
– Allstate America’s Best Drivers Report
Annually, the Allstate America’s Best Drivers Report ranks drivers of the top 200 cities to find out which city has the safest drivers.
Amongst the largest 200 cities, Jacksonville ranks at 50th, maintainting it’s previous year’ ranking with 17.9 hard-braking events every 1,000 miles whereas the national average is 19.
Also, motorists in Jacksonville make a claim every 9.3 years and the relative (compared to the national average) likelihood of a claim is 7.60 percent. In the suburban metro areas of Jacksonville, the average years between a claim is better than the city at 11.2 years and the hard-braking events are also much lower at 13 per 1,000 miles.
– Ridesharing Services in Jacksonville
Since driving is a pain in every metropolitan region, it helps to have ridesharing services in your area. Modern technology has brought the convenience of ordering a taxi to our homes through a mobile app – which can be tracked in real time – without the effort required in calling a taxi service.
Both ridesharing providers, Uber and Lyft, are available for hailing in Jacksonville and are allowed to pick or drop passengers at the Jacksonville International Airport.
– Weather in Jacksonville
If you wake up and see six inches of snow, you would be stressed about driving to work.
But, that doesn’t happen in the sunshine state of Florida where cities like Jacksonville record zero inches of snow every year and 221 sunny days. At least residents of Jacksonville don’t have to worry about skidding during the winter months.
Jacksonville is also well-positioned in Florida storm wise – tucked away in the northeast – and hasn’t witnessed a landfall of hurricanes or thunderstorms in many years, though it gets affected by tropical storms.
|Annual High Temperature||79.9°F|
|Annual Low Temperature||55.9°F|
|Average Sunshine||221 days|
|Average Rainfall||50 inch|
In the last few decades, Jacksonville has never been severely damaged by hurricane landfalls because of its strategic location, however, it does get impacted by floods and storms through the trickle-down effect of thunderstorms that make landfall in southern Florida.
Hurricane Irma was a notable example of how a hurricane, if it makes landfall, can destroy Jacksonville. The damages from the hurricane were alarming and the city would face massive losses due to its poor drainage system if hit by a category 2 or 3 storm.
– Public Transit in Jacksonville
Because of the sheer size of Jacksonville, most of the residents prefer to use their car for driving around town or getting to work. The Jacksonville Transport Authority (JTA) manages the public transit system in the city and offers multiple transportation options.
The transit options under JTA include; Buses, Community Shuttle, Downtown Monorail, River Ferry, Paratransit, and the Gameday Xpress. To make buying tickets and passes easier, daily commuters can use the MYJTA app.
Buses: JTA runs around 30 routes in the greater Jacksonville region with fares starting at $1.50 for one-way. If you’re planning to use buses for regular transit, you can also buy the Star Card which can be reloaded regularly for long-term use.
St. Johns River Ferry: Started in 2016, the ferry connects the Mayport Village with Fort George Island through a 0.9 miles pleasant ride in which you can take your motor vehicle.
|Pedestrian / Bicycle||$1|
|Vehicle < 20 feet||$6|
|Vehicle > 20 feet||$10|
|Coupon Book (20 rides for vehicles under 20 feet)||$85|
|Additional Passengers||$1 each|
Paratransit: Connexion is available for people with certain disabilities in shared public transportation. For those who want a private service in Duval County, Connexion Plus can be availed by simply booking it two hours before pick-up.
|Transportation Disadvantaged Fare||$3.50|
|Outside Country TD Fare (For medical reasons only)||$6|
Skyway: This monorail is an automated train system plying around the downtown area connecting points of interest around the Northbank as well as the Southbank. It’s a free service and runs Monday-Friday from 6 a.m. to 9 p.m.
Last year, JTA announced its plan to expand the current Skyway network by signing the MOVE program which aims to integrate modern technology into transportation by implementing autonomous vehicles.
Gameday Xpress: For all those game enthusiasts, JTA runs a special gameday service for college and Jaguar games. You can buy the tickets online or on the MYJTA app.
Commuters under 18 or above 65 can also buy Star Cards at a reduced price.
– Parking in Metro Areas
With so many rules around parking and frequent tickets, finding a space to park your car is a headache, especially in the downtown area.
In downtown Jacksonville, you can park anywhere in the 44,000 parking lots, garages, and at meters. Meters are affordable at 25 cents for half an hour, enforced on weekdays from 8 a.m. to 6 p.m.
– Air Quality in Jacksonville
As we move into the future, the increasing number of cars and trucks due to population growth and lifestyle preferences contribute significantly to air pollution.
Nearly one-fifth of all emissions in the US result from cars and trucks, adding around 24 pounds of harmful gases per gallon of fuel towards the overall global warming index.
Owing to this dire state of affairs, the majority of Americans live in places that don’t meet the air quality standards of the federal government. In 2013, transportation was the major contributor of carbon monoxide and nitrogen oxide in our air.
|Air Quality Index||2016||2017||2018|
|Days with AQI||366||365||365|
|Unhealthy Days for Sensitive Groups||0||1||6|
|Very Unhealthy Days||0||0||0|
As per the Air Quality Index data from the U.S. Environmental Protection Agency, Jacksonville had 267 good air quality days in 2018 which was lower than the previous year’s number.
We know that paying the monthly insurance bill isn’t easy, especially when prices for everything is rising. But if you’re serving in the military or a veteran, you can get discounts on car insurance coverage.
We will tell you everything about discounts, military bases, and how you can save more on insurance.
Veterans by Service Period
A large percentage of military personnel in Jacksonville served in the Gulf war, more than any other conflict.
Military Bases Within an Hour
The Naval Air Station Jacksonville is located right by the St. Johns River which has schools, restaurants, churches, a golf course, and gyms.
Military Discounts by Providers
There are some insurance providers who offer discounts for military personnel and often these discounts are enough to save a couple of hundred bucks.
|Insurance Provider||Discount Percentage|
|Liberty Mutual (Active Duty only)||4%|
|Metlife (Based on years of service, active duty or retired)||15%|
You should always check with your insurance company about any discounts that you can avail because of your service in the forces. Also, keep in mind that some insurers offer discounts to only active duty personnel.
If you aren’t able to get any discounts from insurers, you can always rely on USAA which provides insurance to only military personnel and their families. In Florida, the average annual premiums charged by USAA is significantly cheaper compared to other providers.
Unique City Laws
Driving laws vary across different states, even cities have their own set of rules and regulations when it comes to driving.
These laws are implemented to manage specific problems unique to a city or state. Especially distracted driving laws are always handled differently by all the states because that’s the main reason behind most of the fatal crashes.
Recently, a new law was proposed in Florida to ban a slew of activities – such as texting, reading, writing, petting dogs, putting makeup – while driving as those lead to distractions.
The St. Johns County alone registered 199,597 fatal crashes in 2018 as per the Florida Department of Highway Safety and Motor Vehicles that prompted lawmakers to bring stricter laws. The bill would make distracted driving a primary offense.
Food Truck Laws
If you thought that starting a food truck was just about following your passion and going out with your truck one day, then you’re mistaken. To operate a food truck in Jacksonville, you need to apply for the right permits and get insurance.
You would need to complete the formalities below to get permission:
- Get a business registration with the state of Florida
- Buy a general liability and commercial auto policy
- Complete the business license and risk review forms with the state of Florida
- Get a Duval County food permit
When parking in Jacksonville, do remember to abide by the parking meter time limits as putting extra quarters wouldn’t help you in extending your time. The bumper of your car should be aligned with the parking meter and if it’s not possible to do so, try parking somewhere else.
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Jacksonville Car Insurance FAQs
Is it safe to live in Jacksonville?
The crime rate in Jacksonville has gone down over the years, however, the rate of crime is still worse than the national and state average. You can consider moving to one of the safer neighborhoods in Jacksonville.
Is there a cell phone ban while driving in Jacksonville, Florida?
Currently, texting while driving is prohibited, however, it’s a secondary offense. Soon, distracted driving would be a primary offense across the state, once the new law is passed.
What’s the minimum car insurance coverage law in Jacksonville, Florida?
The minimum coverage law requires motorists to buy $10,000 in Personal Injury Protection that would cover your medical expenses in an accident and $10,000 in property damage liability that would cover the cost of third-party property damage.
Who is the cheapest car insurance provider in Jacksonville, Florida?
USAA is the cheapest provider in Florida, but it only offers coverage to military personnel and veterans. After USAA, State Farm is the second cheapest in Florida and charges an average annual premium of $3,398.
How can you protect your car from tropical storms in Jacksonville, Florida?
Your basic auto insurance coverage wouldn’t pay for the repair or replacement cost of your car if damaged by a storm. To protect your car, you should consider adding comprehensive coverage to your policy that covers damages from acts of nature, fire, vandalism, etc.
Can you drive without car insurance in Jacksonville, Florida?
Maintaining the basic minimum car insurance coverage is mandatory in Jacksonville, Florida and your license could be suspended if you’re unable to provide proof of coverage when asked by any law enforcement officer.
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