What a Jacksonville Driver Pays for Car Insurance (2026): 18 Profiles Priced on Our Florida Calculator
By Ricardo Alonso, Founder, Atesa Risk Advisors · November 3, 2026
Key Takeaways
- A Jacksonville driver in their 40s with a financed three-to-five-year-old sedan, a clean record, good credit and average mileage prices at $2,969 a year, $247 a month, for a full-coverage policy with 100/300 bodily injury and matching uninsured motorist limits on our Florida car insurance calculator [1].
- Credit moves the number more than anything else the driver controls: the same person prices at $2,375 with excellent credit and $6,354 with poor credit; a 16-to-19-year-old on their own policy prices at $5,910, a DUI adds $1,573 and brings a three-year FR-44 filing at 100/300/50 [1][5].
- Jacksonville is one of the cheaper places in Florida to insure a car: the same profile prices at $3,132 in Orlando, $3,948 in Tampa, $4,013 in Miami and $4,078 in West Palm Beach [1].
- Florida requires only $10,000 of personal injury protection and $10,000 of property damage liability to register a car; bodily injury liability is not required, and the state had the highest average auto insurance expenditure in the country in 2023 at $1,865 per insured vehicle [2][3][7].
- Duval County recorded 23,013 crashes in 2024; 93.3% of its 701,792 registered non-commercial vehicles carried insurance in November 2024, and the Insurance Research Council estimates 20.6% of Florida drivers were uninsured in 2023 [8][9][10].
A Jacksonville driver with a financed three-to-five-year-old sedan, a clean record, good credit and average mileage pays about $2,969 a year, $247 a month, for a full-coverage auto policy in 2026 according to our Florida car insurance calculator, 24% below the calculator's statewide full-coverage reference. The same driver with excellent credit prices at $2,375; with poor credit, $6,354. A teenager on their own policy prices at $5,910, a retiree with a paid-off SUV and low mileage at $1,254, and a DUI turns the $2,969 into $4,542 plus a three-year FR-44 filing.
Florida's minimum car insurance is $10,000 of personal injury protection and $10,000 of property damage liability, and nothing else [2][3]. That is the legal floor, it costs a fraction of the numbers above, and it pays nothing to the person you injure. Everything between the floor and $2,969 is a choice, so this post prices the choices. I ran eighteen Jacksonville driver profiles through our calculator, the same tool you can run in two minutes without giving a name, and laid the results next to the Duval County facts that sit behind the rate.
The calculator is an estimate, not a quote. It is built from Florida rate-filing structure and public market data and then calibrated to the quotes our office actually sees, so a carrier's number for you will differ. The ranking of what moves the price will not.
The Jacksonville baseline: one driver, one car, $2,969
The profile is deliberately ordinary: age 40 to 49, a sedan three to five years old with a loan on it, a clean record, good credit, 5,000 to 12,000 miles a year, Jacksonville. The calculator prices it at $2,969 a year and breaks the policy down like this [1]:
| Coverage | What it does, in plain English | Limit in the estimate | Annual share |
|---|---|---|---|
| Personal injury protection (PIP) | Pays 80% of your own medical bills and 60% of lost wages after a crash, regardless of fault; required by Florida's no-fault law | $10,000 | $534 |
| Property damage liability | Pays for the other car, fence or building you damage; required | $50,000 in the estimate; Florida's minimum is $10,000 | $356 |
| Bodily injury liability | Pays the people you injure; not required to register a car in Florida | $100,000 per person / $300,000 per crash | $594 |
| Uninsured/underinsured motorist | Pays you and your passengers when the at-fault driver has no bodily injury coverage or too little; optional, but it must be offered and rejected in writing | $100,000 / $300,000 | $297 |
| Comprehensive | Theft, vandalism, weather, animal strikes; the lender requires it on a financed car | Actual cash value | $534 |
| Collision | Damage to your own car in a crash; also required by the lender | Actual cash value | $653 |
Two things in that table decide whether the policy is worth $2,969. Bodily injury and uninsured motorist together are $891, 30% of the premium, and they are the only lines that protect your savings and your paycheck from a lawsuit or from the other driver's missing insurance [1]. The other 70% protects the car and your own medical bills. A driver who drops to the state minimum keeps the 70% exposure and saves on the 30% that matters.
Eighteen Jacksonville drivers, priced
Every row changes one or two inputs from the baseline; everything else stays the same. Monthly figures are the annual estimate divided by twelve [1].
| Profile | Annual | Monthly |
|---|---|---|
| A. Baseline: 40 to 49, financed 3-to-5-year-old sedan, clean, good credit, average miles | $2,969 | $247 |
| B. 30 to 39, owned 6-to-10-year-old SUV, clean, good credit, liability-only | $2,212 | $184 |
| C. 25 to 29, financed new sedan, clean, good credit | $3,739 | $312 |
| D. 16 to 19 on their own policy, financed 6-to-10-year-old sedan, clean, good credit | $5,910 | $493 |
| E. 20 to 24, financed 6-to-10-year-old sedan, clean, average credit | $5,053 | $421 |
| F. 60 to 69, owned 11-to-15-year-old SUV, clean, excellent credit, low miles | $1,254 | $105 |
| G. Baseline with one at-fault accident | $4,157 | $346 |
| H. Baseline with one minor violation | $3,414 | $285 |
| I. Baseline with a DUI | $4,542 | $379 |
| J. Baseline with excellent credit | $2,375 | $198 |
| K. Baseline with average credit | $3,385 | $282 |
| L. Baseline with poor credit | $6,354 | $530 |
| M. 30 to 39, leased new luxury vehicle, clean, good credit | $4,168 | $347 |
| N. 30 to 39, financed new electric vehicle, clean, good credit | $3,914 | $326 |
| O. Baseline in a financed 3-to-5-year-old pickup, over 20,000 miles a year | $3,209 | $267 |
| P. 50 to 59, financed 3-to-5-year-old minivan, clean, good credit | $2,565 | $214 |
| Q. 40 to 49, owned sedan 16 years or older, clean, good credit, low miles | $1,622 | $135 |
| R. 70 and over, owned 6-to-10-year-old sedan, clean, good credit, low miles | $1,993 | $166 |
The cheapest adult the calculator will price in Jacksonville is a driver in their 60s with excellent credit, low mileage and a paid-off older minivan at $1,188 a year. The dearest plausible one is a 20-to-24-year-old with poor credit, an at-fault accident, high mileage and a new sports car on a loan, at $21,258 [1]. Same city, same minimum law, an 18-to-1 spread. The spread is the point.
What moves the number most
Ranked by how far each input moves the baseline, from the calculator's own factors [1]:
1. Credit tier. Excellent credit takes the baseline to $2,375; poor credit takes it to $6,354, a $3,979 swing on the same car and record. Florida lets insurers use a credit-based insurance score as a rating factor within the limits of section 626.9741, which bars an adverse decision made solely on the credit report or score without considering any other underwriting or rating factor [11]. It is also the input you can improve before a renewal, which no other line in this table offers.
2. Age. The 16-to-19 band prices at $5,910 on its own policy and the 20-to-24 band at $5,053; the 40-to-49 band is the floor and the 60-to-69 band sits a few percent below it. A teen added to a parent's policy is rated differently from a teen on their own policy, usually for less, which is why the household quote is the one to run.
3. Driving record. A minor violation adds $445 to the baseline, an at-fault accident $1,188, a DUI $1,573. The DUI carries a second cost the calculator does not show: section 324.023 requires proof of financial responsibility at $100,000 per person, $300,000 per crash and $50,000 of property damage after a DUI conviction, the FR-44 filing, so the driver is buying higher limits at a surcharged rate for three years [5].
4. Vehicle and financing. A leased new luxury car prices at $4,168 for a driver in their 30s and a financed new electric vehicle at $3,914; a pickup driven more than 20,000 miles a year adds $240 to the baseline. Owning the car outright is the one vehicle choice that cuts the price in half, because comprehensive and collision become optional: the 30-to-39 owner of a six-year-old SUV prices at $2,212 with liability only, and the owner of a sedan older than 16 years at $1,622.
5. Mileage. Under 5,000 miles a year takes 10% off; over 20,000 adds 15%. Retirees and remote workers should say so.
Jacksonville against the rest of Florida
Run the baseline driver through every region the calculator offers and Jacksonville lands in the cheaper half of the state [1]:
| Region | Baseline profile, annual |
|---|---|
| Gainesville / North Central | $2,447 |
| Sarasota / Manatee | $2,577 |
| Tallahassee, Pensacola, Fort Myers | $2,708 |
| Florida Keys | $2,773 |
| Jacksonville / Northeast Florida | $2,969 |
| Orlando / Central Florida | $3,132 |
| Fort Lauderdale / Broward | $3,882 |
| Tampa Bay | $3,948 |
| Miami / South Florida | $4,013 |
| West Palm Beach / Palm Beach | $4,078 |
The statewide number behind all of these is the highest in the country. The National Association of Insurance Commissioners put Florida's average auto insurance expenditure at $1,865 per insured vehicle in 2023, ahead of Louisiana at $1,754 and New York at $1,753 [7]. That figure averages every policy in the state, including the minimum-limits ones, so it sits well below a full-coverage estimate; it is the right number for comparing states and the wrong one for budgeting your own renewal.
The Duval facts behind the rate
Rates follow claims, and Duval's claim environment is documented [8][9][10]:
- Crashes. Duval County recorded 23,013 crashes in 2024, down from 23,967 in 2023; 327 were alcohol-confirmed and 2,797 involved a commercial motor vehicle [8].
- Drivers. The county had 798,177 licensed drivers on January 26, 2026, 36,671 of them aged 15 to 19 [10].
- Insured vehicles. The state's own count found 654,437 of Duval's 701,792 registered non-commercial vehicles insured in November 2024, 93.3%, below St. Johns at 96.1%, Nassau at 94.9% and Clay at 94.4% [9].
- Uninsured drivers, measured the other way. The Insurance Research Council estimates uninsured drivers from claims rather than registrations, and its 2023 estimate for Florida is 20.6%, seventh highest in the country [11]. The two numbers measure different things. The state counts cars without a policy; the council counts injured people whose at-fault driver had no bodily injury coverage, which Florida never required that driver to buy.
That last distinction is why the $297 uninsured motorist line in the baseline is the best value on the policy. One Jacksonville driver in five, by the council's measure, can hit you and have nothing to pay you with [11]. Uninsured motorist coverage is the only line that fixes that, Florida requires the carrier to offer it at your bodily injury limits, and the only way to not have it is to reject it in writing [6].
The profile I see most often at a Jacksonville renewal is not the baseline. It is a two-car household with one teen, average credit and one minor violation between them, and the number that household expects is the one its neighbor with excellent credit and no teen is paying. Running both versions through the calculator before the call is the fastest way I know to end that conversation with the right policy instead of the cheapest one.
— Ricardo Alonso, Founder, Atesa Risk Advisors
What the minimum buys, and what $2,969 buys
Florida's no-fault law requires $10,000 of personal injury protection, which pays 80% of medical bills and 60% of lost wages for you and your passengers regardless of fault, limited to $2,500 unless a physician finds an emergency medical condition [2]. Section 324.022 requires $10,000 of property damage liability [3]. Section 324.021 defines financial responsibility as 10/20/10, the proof the state demands after a crash or certain convictions, but bodily injury liability is not a condition of registering a car [4].
A minimum policy therefore leaves three holes. It pays the people you injure nothing. It pays you nothing beyond $10,000 of your own medical bills, with no coverage for your car. And it pays you nothing when the other driver is one of the 20.6%. The baseline policy fills all three for $2,969: $100,000 per person and $300,000 per crash for the people you injure, the same for you against an uninsured driver, and the car itself [1].
I am not telling every Jacksonville driver to carry the baseline. A driver with no savings, no equity and a paid-off older car can make a case for liability-only at the limits the lawsuit math supports, and our judgment-proof post walks through that case fairly. What I am telling you is where the money goes: 70% of the premium to the car and your own bills, 30% to the two lines that stand between a crash and your savings. Buy the 30% first.
Florida-Specific Considerations
- Personal injury protection is s. 627.736: $10,000 of medical and disability benefits and $5,000 of death benefits, with non-emergency care limited to $2,500. PIP is still the law; the repeal bills filed in 2026 died in committee, as our PIP post documents.
- Property damage liability is s. 324.022: $10,000, or a $30,000 combined single limit.
- Financial responsibility is s. 324.021(7): 10/20/10; after a DUI conviction s. 324.023 raises it to 100/300/50.
- Uninsured motorist coverage is s. 627.727: offered at your bodily injury limits, waived only by a written rejection.
- Credit is s. 626.9741: insurers may use a credit-based insurance score within the statute's limits, and may not make an adverse decision solely on the credit report or score without considering any other underwriting or rating factor.
Your 6-Step Jacksonville Quote Checklist
| Step | What to do | When |
|---|---|---|
| 1. Price your profile | Run the eight questions on the Florida car insurance calculator; note the annual figure and the coverage breakdown | Today |
| 2. Price the household | Run it again for each driver, especially a teen or a driver with a violation; the household quote is rated differently from the individual one | Today |
| 3. Check the two lines that matter | Confirm bodily injury and uninsured motorist are on the declarations page at matching limits, 100/300 at least; a written UM rejection is a decision, not a default | This week |
| 4. Decide on the car | Financed or leased: comprehensive and collision are required; paid off: weigh their cost against the car's value | This week |
| 5. Fix what you can | Pull your credit report, correct errors, ask about low-mileage and bundling discounts | 60 days before renewal |
| 6. Get the real number | Send the calculator result to Atesa; we quote the same profile across 40+ carriers in one business day | 30 days before renewal |
FAQ for Jacksonville Drivers
Q: How much is car insurance in Jacksonville?
A: Our calculator prices a Jacksonville driver in their 40s with a financed three-to-five-year-old sedan, a clean record, good credit and average mileage at $2,969 a year, $247 a month, for a full-coverage policy with 100/300 bodily injury and uninsured motorist limits. The eighteen profiles in this post run from $1,254 for a retiree with a paid-off SUV to $5,910 for a teenager on their own policy.
Q: Is car insurance cheaper in Jacksonville than in Miami or Tampa?
A: Yes. The same baseline profile prices at $2,969 in Jacksonville, $3,948 in Tampa, $4,013 in Miami and $4,078 in West Palm Beach on our calculator. Gainesville and Sarasota price lower than Jacksonville; Orlando prices slightly higher at $3,132.
Q: What is the minimum car insurance in Florida?
A: $10,000 of personal injury protection and $10,000 of property damage liability, under sections 627.736 and 324.022. Bodily injury liability is not required to register a car; section 324.021 sets 10/20/10 as the proof of financial responsibility after a crash or certain convictions, and a DUI conviction raises that to 100/300/50 under section 324.023.
Q: How much does a teen driver cost to insure in Jacksonville?
A: The 16-to-19 band prices at $5,910 a year on its own policy with a financed six-to-ten-year-old sedan, clean record and good credit, against $2,969 for the same car with a driver in their 40s. Adding the teen to a parent's policy is rated differently and usually costs less than a separate policy; run both versions.
Q: How much does a DUI raise car insurance in Florida?
A: The calculator adds $1,573 to the baseline, taking it from $2,969 to $4,542. A DUI conviction also triggers an FR-44 filing under section 324.023, which requires 100/300/50 liability limits, so the driver is buying higher limits at a surcharged rate for three years.
Q: Does my credit score affect my Jacksonville car insurance rate?
A: It is the largest factor you control. The baseline driver prices at $2,375 with excellent credit, $2,969 with good credit, $3,385 with average credit and $6,354 with poor credit. Section 626.9741 permits credit-based insurance scores as a rating factor within limits and bars an adverse decision made solely on the score without considering any other underwriting or rating factor.
Q: How many Jacksonville drivers are uninsured?
A: It depends on the measure. The state found 93.3% of Duval County's 701,792 registered non-commercial vehicles insured in November 2024, so about one in fifteen cars had no policy. The Insurance Research Council, which counts injured people whose at-fault driver had no bodily injury coverage, estimates 20.6% of Florida drivers were uninsured in 2023.
Q: Is the calculator's number a quote?
A: No. It is an educational estimate built from Florida rate-filing structure and market data and calibrated to the quotes our office sees, and it asks for no personal information. A quote comes from a carrier after underwriting, including your motor vehicle record and insurance score. Atesa quotes the same profile across 40+ carriers in one business day.
Related Reading
- Florida PIP Coverage Limits and Bodily Injury: What the $10,000 Minimums Pay and What You Actually Need (2026) — the coverage stack behind the $2,969, line by line.
- Is 10/20/10 Enough Car Insurance in Florida If You Don't Own Anything? The Judgment-Proof Argument, Tested (2026) — the honest case for minimum limits, and where it breaks.
- No, Florida's PIP Law Is Not Being Repealed in 2026 — Here's the Proof — the $534 line is not going away.
- Florida Parents' Complete Guide to Teen Driver Insurance in 2026 — how to get the $5,910 down with the discounts carriers offer.
- Florida Auto Insurance for High Earners: Why High-Net-Worth Families Need Maxed Limits and an Umbrella — when 100/300 is the floor, not the ceiling.
How Atesa Risk Advisors Can Help
We are an independent Jacksonville agency, and auto is the policy we quote most. Every one of the eighteen profiles above is a real household we have placed some version of this year, and the placement work is the same each time: match the bodily injury and uninsured motorist limits to what a lawsuit could reach, decide whether comprehensive and collision still make sense on the car you drive, and shop the result across 40+ carriers, because the spread between carriers on the same driver is routinely wider than any discount.
Start with the Florida car insurance calculator: eight questions, no name, two minutes. Then use the coverage calculator to pick the limits, and the umbrella calculator if the limits stop short of what you own. I can't tell you which carrier will be cheapest for you this year; it changes. I can tell you that the two lines worth 30% of the premium are the ones to keep, and that the quote takes one business day.
Want the real number for your household? Get your free quote and consultation at atesariskadvisors.com/get-quote or call (904) 900-5063.
Sources
[3] Florida Statutes s. 324.022, Financial responsibility for property damage
[4] Florida Statutes s. 324.021, Definitions; minimum insurance required
[5] Florida Statutes s. 324.023, Financial responsibility for bodily injury or death
[11] Insurance Information Institute, Facts + Statistics: Uninsured motorists (Insurance Research Council estimates, 2017 to 2023) and Florida Statutes s. 626.9741, Use of credit reports and credit scores by insurers
External Resources for Jacksonville drivers:
- FLHSMV, Florida Insurance Requirements
- FLHSMV, Crash Dashboard
- Florida Department of Financial Services, Automobile Insurance Toolkit
Ricardo Alonso is the Founder of Atesa Risk Advisors, a Florida independent insurance agency. Licensed 2-20 General Lines Agent and 2-15 Health & Life Agent, with a Master of Liberal Arts in Finance from Harvard University. He quotes personal auto for Jacksonville households across 40+ carriers and built the calculator this post is priced on.