Auto Insurance in Jacksonville, St. Augustine and Northeast Florida

Florida's legal minimum is $10,000 of personal injury protection and $10,000 of property damage liability (FS 627.736 and 324.022). Bodily injury liability is not required for an ordinary private car until a qualifying crash or DUI makes it mandatory. Most Jacksonville and St. Augustine drivers should carry bodily injury limits and uninsured motorist coverage.

Auto insurance for Jacksonville and St. Augustine drivers: Florida's PIP and PDL minimums, why BI and UM matter, Duval crash data. Compare 40+ carriers free.

Figures reviewed against Florida Statutes and carrier bulletins on September 27, 2026.

Auto insurance in Jacksonville and St. Augustine

Florida's legal minimum has not changed in decades. What has changed is the traffic: Duval County logs about 63 crashes a day, and St. Johns County keeps adding drivers faster than any county around it.

Jacksonville and Duval County drivers

Duval had 798,177 licensed drivers on January 26, 2026, including 36,671 aged 15 to 19, and 701,792 registered non-commercial vehicles in FLHSMV's November 2024 count.

The legal minimum is $10,000 of personal injury protection and $10,000 of property damage liability (FS 627.736(1), 324.022(1)), required to register a car (FS 320.02) and to be carried while driving (FS 316.646); bodily injury liability is not required for an ordinary private car until a qualifying crash (FS 324.051) or a DUI, which brings 100/300/50 for three years (FS 324.023).
Duval County recorded 23,013 crashes, 153 deaths and 15,480 injuries in 2024, with 327 alcohol-confirmed crashes and 25 alcohol-confirmed deaths; 2,494 Duval drivers aged 15 to 19 were involved in crashes that year, 5 of them fatally (FLHSMV Crash Facts 2024, closeout January 22, 2026 and subject to change).
FLHSMV's November 2024 count found 93.3% of Duval's registered non-commercial vehicles with insurance on file, roughly 47,000 without; statewide the Insurance Research Council estimated 15.9% of Florida motorists were uninsured in 2022. Uninsured motorist coverage must be offered at your bodily injury limits unless you reject it or choose lower limits in writing (FS 627.727).
PIP pays 80% of medical bills and 60% of lost wages inside the $10,000 limit, and only if treatment starts within 14 days of the crash (FS 627.736); at Jacksonville hospital prices it is exhausted quickly, which is why medical payments and real bodily injury limits are the core of every quote we build.

St. Augustine and St. Johns County drivers

St. Johns County had 288,277 licensed drivers on January 26, 2026, and 21,684 of them, 7.5%, were teenagers, the highest teen share in the region; the county has grown 26.7% since 2020.

St. Johns County recorded 3,652 crashes, 23 deaths and 1,909 injuries in 2024, about 10 a day, with 63 alcohol-confirmed crashes; 593 drivers aged 15 to 19 were involved in crashes, with 117 injured and none killed.
96.1% of the county's 249,888 registered non-commercial vehicles carried insurance on file in November 2024, the best rate in Northeast Florida, but 'insured' often means the $10,000 minimum; underinsured motorist coverage is what pays when the other driver's $10,000 runs out.
Florida bars recovery for a driver more than 50% at fault and reduces every other award by the driver's own share (FS 768.81(6)), and a negligence suit must be filed within two years (FS 95.11(5)(a)); dash cams and prompt reporting are worth more here than in most states.

Crashes and insured-vehicle rates by county (FLHSMV)

County	Crashes 2024	Fatalities 2024	Injuries 2024	Licensed drivers (Jan. 2026)	Vehicles with insurance on file (Nov. 2024)
Duval	23,013	153	15,480	798,177	93.3%
St. Johns	3,652	23	1,909	288,277	96.1%
Florida	381,423	3,098	n/a	18,778,573	94.5%

Crash figures from Florida Traffic Crash Facts 2024 (closeout January 22, 2026; subject to change). The insured-vehicle rate counts registered non-commercial vehicles and is not comparable to the Insurance Research Council's 15.9% claim-based estimate of uninsured Florida motorists in 2022.

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Frequently Asked Questions

What is the minimum car insurance in Jacksonville, Florida?

The same as everywhere in Florida: $10,000 of personal injury protection and $10,000 of property damage liability (FS 627.736 and 324.022). Bodily injury liability is not required for an ordinary private car until a qualifying crash makes it mandatory (FS 324.051) or a DUI conviction requires 100/300/50 for three years (FS 324.023).

How many car crashes happen in Duval County each year?

FLHSMV's Florida Traffic Crash Facts report counted 23,013 crashes in Duval County in 2024, with 153 deaths and 15,480 injuries, about 63 crashes a day. St. Johns County recorded 3,652 crashes, 23 deaths and 1,909 injuries. The report's closeout date was January 22, 2026 and the figures can change as late reports arrive.

What are Florida's minimum auto insurance requirements?

Florida requires $10,000 of personal injury protection and $10,000 of property damage liability (FS 627.736 and 324.022). Bodily injury liability is not required for an ordinary private car until a qualifying crash or a DUI conviction makes it mandatory. Those minimums are small next to a serious injury claim, so most drivers should carry bodily injury and uninsured motorist coverage.

What is PIP (Personal Injury Protection) coverage?

PIP is Florida's no-fault coverage that pays your medical expenses and lost wages after an accident, regardless of fault. It covers 80% of medical bills and 60% of lost wages up to your policy limit (typically $10,000). PIP covers you, family members, and passengers. You must seek treatment within 14 days to qualify. It doesn't cover pain and suffering.

Do I need uninsured motorist coverage in Florida?

Yes, though it is not required by law: it must be offered at your bodily injury limits and can only be rejected or reduced in writing (FS 627.727). Uninsured motorist coverage pays your injuries, lost wages and pain and suffering when the at-fault driver has nothing or too little, including hit-and-runs.

How many drivers are uninsured in Florida and in Duval County?

The Insurance Research Council estimated that 15.9% of Florida motorists were uninsured in 2022. FLHSMV's November 2024 count found about 6.8% of Duval County's registered non-commercial vehicles with no insurance on file. Many more drivers carry only the $10,000 minimums.

What's the difference between collision and comprehensive coverage?

Collision covers damage to your vehicle from accidents with other vehicles or objects, regardless of fault. Comprehensive covers non-collision damage: theft, vandalism, fire, falling objects, animal strikes and weather, including flooding. Both carry a deductible you choose, and a lender or lessor requires both until the loan is paid.

Will my insurance cover me if I drive for Uber or Lyft?

Personal auto insurance excludes commercial use like ridesharing. Uber and Lyft provide coverage that varies by period: Period 1 (app on, waiting for a ride) carries only limited rideshare coverage, and Periods 2 and 3 (ride accepted, passenger in the car) carry the platform's full coverage. A rideshare endorsement on your personal policy fills the Period 1 gap.

How much does it cost to add a teen driver to my insurance in Florida?

Materially more, and the amount depends on the carrier, the car, the teen's grades and the household's other drivers. Adding the teen to the family policy is almost always cheaper than a standalone policy, and good-student, telematics and away-at-school discounts narrow the gap further.

How many teen drivers are involved in crashes in Duval and St. Johns counties?

In 2024, 2,494 Duval County drivers aged 15 to 19 were involved in crashes, with 706 injured and 5 killed, and 593 in St. Johns County (FLHSMV Crash Facts 2024).

Does my teen need their own insurance policy?

In most cases, no. Adding your teen to your existing family policy is almost always cheaper than a standalone policy. A separate policy might make sense only if your teen's driving record is so poor that it's dramatically increasing rates on all your vehicles. Most Florida insurers require you to list a licensed teen who lives in your household.

What discounts are available for teen drivers in Florida?

Most carriers offer a good-student discount for a B average or better, a telematics discount for a monitored safe-driving program, a multi-policy discount for bundling auto with home, a defensive-driving course discount, and a student-away discount when the teen is at school 100 or more miles away without a car. The size of each varies by carrier.

When do I need to add my teen to my auto insurance?

Once your teen gets their restricted license at age 16, you need to formally add them to your policy. You generally don't need to add a teen with a learner's permit, because most carriers cover permit holders under the parent's existing policy automatically. Most Florida insurers require listing a licensed teen in your household, even without their own car.

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