Auto Insurance Quotes in Jacksonville FL - [Mom Prepared] (2025)

Auto insurance is a crucial aspect of owning and operating a vehicle, especially when you have a family with multiple drivers at different ages. As a husband and wife raising children of various driving ages in Jacksonville, FL, we understand the importance of having the right coverage to protect our family and our assets. With four vehicles in our household and a range of driving infractions among our family members, navigating the world of auto insurance quotes can be a daunting task. In this article, we will share our experiences with finding the best auto insurance quotes in Jacksonville, FL, and provide valuable insights on coverage options, monthly payments, and common driving infractions that can impact your rates.

Our family consists of myself, my wife, and our three children, who range in age from 16 to 25. Each of our children has their own vehicle, and my wife and I share a car as well. Here is a breakdown of the four vehicles in our household and the different types of coverage and monthly payments we have for each:

1. Our oldest son, who is 25, drives a 2018 Toyota Camry. We have full coverage on his vehicle, including liability, collision, and comprehensive coverage. Our monthly payment for his coverage is $150.

2. Our daughter, who is 21, drives a 2015 Honda Civic. She has liability coverage only, as her car is older and not worth as much. Our monthly payment for her coverage is $75.

3. Our youngest son, who is 16, drives a 2019 Ford Mustang. We have full coverage on his vehicle, as it is a newer and more valuable car. Our monthly payment for his coverage is $200.

4. My wife and I share a 2017 Chevrolet Tahoe. We have full coverage on our vehicle as well, with a monthly payment of $175.

In addition to the different types of coverage we have for each vehicle, we have also experienced a range of driving infractions among our family members. Some of the infractions include speeding tickets, at-fault accidents, and driving under the influence. These infractions have had a significant impact on our auto insurance rates, with some incidents causing our rates to increase by as much as 50%.

For example, when our oldest son received a speeding ticket last year, our auto insurance rates increased by 20%. The following year, when our daughter was involved in an at-fault accident, our rates increased by 30%. And when our youngest son was caught driving under the influence, our rates skyrocketed by 50%.

These driving infractions serve as a reminder of the importance of safe driving and the impact it can have on your auto insurance rates. By practicing safe driving habits and avoiding infractions, you can help keep your rates low and protect your family and assets.

Now, let’s address some common questions about auto insurance in Jacksonville, FL:

1. What are the minimum auto insurance requirements in Jacksonville, FL?

In Jacksonville, FL, drivers are required to have a minimum of $10,000 in personal injury protection (PIP) and $10,000 in property damage liability coverage.

2. What factors can affect my auto insurance rates in Jacksonville, FL?

Several factors can affect your auto insurance rates in Jacksonville, FL, including your age, driving record, credit score, and the type of vehicle you drive.

3. Are there any discounts available for auto insurance in Jacksonville, FL?

Yes, many insurance companies offer discounts for safe driving, bundling policies, and having security features on your vehicle.

4. How can I lower my auto insurance rates in Jacksonville, FL?

You can lower your auto insurance rates in Jacksonville, FL by practicing safe driving habits, maintaining a good credit score, and comparing quotes from multiple insurance companies.

5. Do I need uninsured/underinsured motorist coverage in Jacksonville, FL?

While uninsured/underinsured motorist coverage is not required in Jacksonville, FL, it can provide valuable protection in the event you are involved in an accident with a driver who does not have insurance or enough coverage.

6. Can I add my teenage driver to my auto insurance policy in Jacksonville, FL?

Yes, you can add your teenage driver to your auto insurance policy in Jacksonville, FL. However, adding a teenage driver can increase your rates, so be sure to compare quotes from multiple insurance companies.

7. What is the average cost of auto insurance in Jacksonville, FL?

The average cost of auto insurance in Jacksonville, FL varies depending on several factors, including your age, driving record, and the type of coverage you choose. It is recommended to compare quotes from multiple insurance companies to find the best rates.

8. Does my credit score affect my auto insurance rates in Jacksonville, FL?

Yes, your credit score can affect your auto insurance rates in Jacksonville, FL. Insurance companies often use credit scores as a factor in determining rates, so maintaining a good credit score can help lower your premiums.

9. Are there ways to save on auto insurance for multiple vehicles in Jacksonville, FL?

Yes, many insurance companies offer discounts for insuring multiple vehicles on the same policy. Bundling your policies with the same company can help you save on your auto insurance rates.

10. What should I do if I am involved in an accident in Jacksonville, FL?

If you are involved in an accident in Jacksonville, FL, it is important to exchange information with the other driver and contact your insurance company as soon as possible to file a claim.

11. Can I choose my own auto body shop for repairs in Jacksonville, FL?

Yes, in Jacksonville, FL, you have the right to choose your own auto body shop for repairs. Your insurance company may provide recommendations, but ultimately, the choice is yours.

12. How can I find the best auto insurance quotes in Jacksonville, FL?

To find the best auto insurance quotes in Jacksonville, FL, it is recommended to compare quotes from multiple insurance companies, consider bundling policies, and look for discounts that may apply to your situation.