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Cheap Auto Insurance in Jacksonville, FL 32202

With more than 840 square miles, Jacksonville is the largest metropolitan area by acreage in the continental United States. Jacksonville is also the largest city in Florida based on population.

Jacksonville was named after Gen. Andrew Jackson, the first military governor of Florida and later, seventh president of the United States, although he had never visited Jacksonville. The Jacksonville area was first populated by the Timucuan Indians and then by the Spanish in the late 1500s.

Once Florida became a U.S. territory, Jacksonville grew as an established town with commercial activity. The city exported cotton, lumber, oranges and vegetables, while importing manufactured goods from up North.

Jacksonville suffered economic devastation after the Civil War. However, by the late 1800s, Jacksonville was drawing 70,000 tourist annually, which helped expand the downtown area and surrounding communities.

Main attractions in Jacksonville include: Neptune and Atlantic beaches, world-class golf courses, Jacksonville Jazz Festival, Art Walk and Cummer Museum of Art and Gardens. Jacksonville cuisine includes a mix of “Floribbean, ” southern and seafood cuisines.

The Jacksonville Jaguars (NFL) are the only major league sports team in the city. In 2005, Jacksonville was the host of Super Bowl XXXIX. Jacksonville’s suburb, Ponte Vedra Beach is also the home of the PGA Tour.

Jacksonville Driving Conditions

Like other parts of the state, Jacksonville is a humid subtropical climate, with dry winters and hot and humid summers. Because of its location on the Atlantic coastline, Jacksonville is prone to tropical storms and hurricanes.

According to a recent study by Smart Growth America and the National Complete Streets Coalition, Jacksonville was the fourth most dangerous city for pedestrians to walk and overall, Florida was the most dangerous place to walk in America.

Crime Statistics

According to the 2015 Crime in the United States report, Florida had 570,270 accounts of property crime and 40,661 accounts of vehicle theft. Within cities and metropolitan areas in Florida, vehicle theft was reported 39,806 times.

Florida Driver’s Licence

As a legal resident of Florida, you’ll need to obtain a Florida driver’s licence. Those with a valid out-of-state driver’s licence or a Canadian operator’s license with a clean record are not required to take a knowledge or skills exam. If you have citations on your driving record, you may be required to take a written test. You will also be required to take a vision test.

Seat Belt Laws

In Florida, front seat passengers must wear seat belts. All passengers under 18 years old must wear a seat belt. Seat belt violations range from $30 to $100. Children 5 and under must be secured by a federally approved child safety seat or booster. At age 6, children are allowed to wear seat belts with a booster seat if they are at least 4 feet and 9 inches tall.

In Jacksonville city limits, drivers and passengers must be wearing seatbelts.

Cell Phone & Texting Laws

Florida has no statewide law banning the use of cell phones in vehicles. However, drivers can be ticketed and fined for distracted driving, causing an accident or disobeying road rules.

In 2013, Florida legislature passed a law prohibiting texting while driving

Odd Law

Florida is one of the many states that fines a driver if they drive too slow in a passing lane. Drivers may face a fine of up to $60 if they drive 10 mph or more under the speed limit.

You would be surprised how much insurance rates can vary zip code to zip code even if the zip codes are within the same metropolitan area. This can be for various reasons including higher or lower crime rates in a specific zip code area, accident statistics in that zip code, traffic density in different parts of the city, and even different weather conditions depending on what part of the metro area you are in. This can become even more interesting if you live on the border of a different zip code yet your are paying more for insurance than you would if you lived right across the street. While some people will use this to their advantage and give their insurance company a different address than their actual address to save some money it is not advisable as this may be seen as a form of fraud. 

To find out what your auto insurance rates will be for you zip code either fill out the quick quote form above or call one or more of the local agents below. It is best to call more than one to get them to compete for your business so that you can get the cheapest rates possible. Many people would rather avoid this effort because its more work but its one of the best ways to get cheap auto insurance quotes.

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  • I can't thank you enough. Working with you and Foundation Financial Group has been sooooo much easier than working with any other financial institution I have dealt with. Your "competitors" often had me questioning my own sanity and faith in the human race as a whole. You were a shining beacon of hope while navigating the turbulent waters of the financial ocean. The word "hero" gets overused so much today. Athletes, singers and reality stars aren't heroes, but you, you Mr. Gilchrist are my hero. You are the wind beneath my refinance wings.

  • I want to thank you Stacy for being a great mortgage specialist and helping us with all of the ins and outs of the application process. Your expertise and knowledge of the process was a big help and made it easy for us to put the application together and ready for submission. We also appreciate the extra mile you went to make sure we had all of the necessary documents well ahead of the time they were needed. There was no crisis management involved during any part of our application. The closing was an easy process with no delays or surprises. We will recommend you and your company to our friends who may be in the market to refinance their homes. Thank you again and we wish you well.

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