Auto Insurance - Jacksonville, Florida

Auto Insurance - Jacksonville, Florida

With so many companies offering car insurance in Florida, how do you choose the auto insurance that's best for you? When deciding on an insurance company, there are many factors to consider, such as your personal lifestyle and even your other insurance needs.

As the largest city in Florida, Jacksonville has a great deal to offer. Whether taking in the views from St. Johns River, attending the annual Gator Bowl, or attending the Jacksonville Jazz Festival, residents need automobile transportation to do and see it all. But you also need auto insurance coverage that protects you. Allstate offers a wide variety of auto insurance options for drivers in Jacksonville, as well as other products like homeowners insurance and life insurance.

Florida Auto Insurance Requirements

Florida law requires people who drive in Florida to maintain some type of motor vehicle liability insurance. The chart below outlines information about Florida's required coverage levels and the most common car insurance coverages.

Coverage Scale
Coverage Florida Minimum Requirements Most Common
Florida Drivers**
Bodily Injury Liability Not required 100,000/300,000*
Property Damage Liability 10,000 50,000
Uninsured Motorist Bodily Injury Not required 10,000/20,000*
Medical Payments Not required 5,000
Collision Not required 500 deductible
Comprehensive Not required 250 deductible
Personal Protection Insurance Law specifies requirements*** $10,000 medical & loss of service/$5,000 funeral services*
Personal Injury Protection (PIP) 10,000 10,000
*Understanding the table: XX/XX = bodily injury or death of one person in any one accident/bodily injury or death or two or more persons in any one accident.

**Coverage limits/deductibles identified as "most common" in the chart above are the most popular limits/deductibles by Allstate Insurance Company policyholders in Florida. Please note state minimums may change from time to time. Check with your state if you have additional questions about current state minimums.

***Florida law specifies requirements for each: allowable expense, work loss, necessary services, survivor's loss and funeral expenses.
For more information about Jacksonville auto insurance coverage levels and the recent changes, or to get an auto insurance quote, contact your local Allstate agent.

Florida Auto Insurance Discounts

Once you know about the amount of auto insurance coverage you need in Florida, take a few minutes to learn about the types of auto insurance discounts that might be available to you. Allstate offers discounts for safe drivers, good students, those who carry multiple policies with Allstate, and more. Contact your Allstate agent to learn more.

What's Happening in Jacksonville

The Jacksonville area covers 53 different zip codes, including three for Orange Park. Some of the most common claims reported in Jacksonville include:

Common Claims
Type of Claim Average Cost per Claim
Wind $6,248
Water Damage $4,537
Physical Damage (all other) $3,758
Theft/Burglary $2,369
Fire $46,156
Considering the high incidence of weather-related and theft claims, be sure to talk with your Allstate agent to help ensure you have the right amount of coverage for your auto and property. Your agent can provide insurance quotes on a range of products including homeowners insurance and life insurance.

To learn more about the types of insurance claims frequently filed in Jacksonville, Orange Park, and the surrounding areas, use our Common & Costly Claims tool.

Florida Graduated Driver Licensing

Teen car crashes occur in southern states more than any other region of the country. In an effort to address this alarming statistic, Florida implemented a Graduated Driver License (GDL) law to educate and train young new drivers. One of the first states to do so, Florida implemented its GDL system in 1996. The good news is that as a result of its GDL program, Florida has seen a 9% decrease in the number of accidents involving teens.

The following table outlines the GDL requirements and restrictions for Florida.

Graduated Driver Licensing (GDL)
Insurance Institute for Highway Safety Rating Good
Minimum Entry Age
(Optimal: 16)
15 years
Extended Learner Period
(Optimal: at least 6 months)
12 months
Parent Certification
(Optimal: 30 hours minimal)
50 hours, 10 of which must be at night
Night Restriction
(Optimal: 9 or 10 p.m.)
11:00pm - 6:00am
Passenger Restriction
(Family members excepted unless otherwise noted)
none
Minimum Exit Age
(Optimal: 18)
18 years
Allstate wants to help ensure that your teen learns safe driving habits right from the start. That's why we implemented the Allstate Teen Driver program.

Jacksonville, Florida Profile

Allstate Insurance in Jacksonville, Florida In Florida your auto insurance rates can be influenced by factors such as your age, your driving record, the type of car you drive, and the anti-theft features of your car. When reviewing your insurance needs and policies, you may also want to consider some of the US Census Data that comprises Jacksonville's profile:

Some Great Facts About Jacksonville
Item Statistic
Median HH Income: $48,829
Education: 24% have a Bachelor's degree or higher
Own/Rent 63.2% own their home
Total Population: 821,784 (in 2010)
Number of schools: 284 public schools
Allstate auto insurance offers policies that help protect you so that you and your family can have peace of mind when on the road. To get started, find an agent near you, get a no-obligation auto insurance quote online, or call us at 1-866-621-6900.

City data sourced from U.S. Government websites and Wikipedia.org.

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