Cheap Auto Insurance Quotes in Jacksonville, NC (2023)

Just off the North Carolina coast, Jacksonville is a small city that’s home to several Marine Corps bases. With just over 70,000 residents, you’d think this city is a sleepy one; however, due to its position along the New River, driving in Jacksonville can be challenging. It’s recommended that you learn alternate routes to your destination in the event of a traffic jam, and it’s always smart to have great car insurance just in case you’re involved in a collision.

Car Insurance in Jacksonville, NC

The average cost of North Carolina car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Jacksonville, NC to find you the cheapest quotes in the area.

See More:

• Cheap Car Insurance North Carolina

• Compare Car Insurance

Cheapest Car Insurance in Jacksonville, NC

The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!

Best Car Insurance in Jacksonville, NC

The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated company reviews. The following are the top rated companies that offer car insurance in Jacksonville. For the complete list, see Insurify's best car insurance companies .

See More: Best Car Insurance Companies

Average Car Insurance Cost

Click here to learn about car insurance quotes and save on your current policy.

Minimum Car Insurance Requirements in North Carolina

All motor vehicles operated or parked on North Carolina roadways are required to be insured. Proof of insurance must be carried in your car at all times and must be available when:

• Requested by law enforcement

• Renewing vehicle registration

• The vehicle is involved in a car accident

The minimum liability insurance requirements for private passenger vehicles in North Carolina^[1] are:

• $30,000 per person for bodily injury

• $60,000 per accident for bodily injury

As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. North Carolina is an at-fault state, meaning the driver who is responsible for the collision is also responsible for paying for any resulting expenses, either through their car insurance provider or out of pocket.

• $25,000 per accident for property damage

If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.

• $60,000 per accident for uninsured/underinsured motorist bodily injury

• $25,000 per accident for uninsured/underinsured motorist property damage

Uninsured and underinsured motorist coverage pays for costs caused by a driver with little or no insurance after a car accident. In North Carolina, drivers are required to cover bodily injury and property damage with this coverage.

Jacksonville Car Insurance Rates by Driver Age

Teenagers working part-time should be able to afford $226 per month for car insurance and still manage school, sports, and other extracurriculars. In the Tar Heel state, drivers get better prices as they gain more experience. That’s why twentysomethings see an immediate $80 price drop over the youngest drivers. From that point, the rates slide down, with everyone over 30 spending less than the state average of $131. Those in their 70s grab one of the lowest rates in the country, at $78 per month.

Jacksonville Car Insurance Rates by Driving and Accident History

In Jacksonville, safe driving pays on the road and at the bank. Residents cruise with the peace of mind defensive driving creates, and insurance companies reward the responsible with “good driver” and “accident-free” discounts. But a quick text message or other distraction can jack up the rates because an at-fault accident bumps the price up by $43 per month. Worse still, a failure-to-stop violation adds over $75 per month, or $600 per year. Fortunately, after three years of careful driving, accidents and tickets stop affecting car insurance premiums.

See More:

• High-risk Car Insurance North Carolina

• DUI Car Insurance North Carolina

Jacksonville Car Insurance Rates by Credit Tier

North Carolinians wonder what Mastercard and Visa have to do with mastering a vehicle. The law says insurance companies can assess credit when setting rates. Usually, people with the best credit pay the least. So why do those with poor and average credit sneak under people with good credit? Drivers with better credit might finance costlier cars and need more coverage to protect their assets. That said, moving from good to excellent credit will save over $10 per month, or $120 per year.

See More: Bad Credit Car Insurance North Carolina

Find local Jacksonville agents

Jacksonville, NC DMV Information

Whether you need to renew your vehicle registration or driver’s license or need help with other DMV tasks, you won’t have to travel far. Three separate offices are located in the western part of the city and are designated for different services. The North Carolina Drivers License Office, North Carolina License Plate Agency, and North Carolina Department of Transportation are all open Monday through Friday from 9 a.m. to 5 p.m.

Public Transportation in Jacksonville, NC

Most major destinations in Jacksonville are easily accessible using Jacksonville Transit, the city’s public bus system. It runs from 5:54 a.m. to 7:55 p.m. Monday through Friday and from 9:54 a.m. to 7:55 p.m. on weekends and holidays. If you need to travel outside of these operating hours, a rideshare service like Uber or Lyft will be the best way for you to reach your destination.

For more detailed North Carolina city level guides, check out these below.

• Average Cost of Car Insurance Rates in North Carolina

• DUI Car Insurance Rates in North Carolina

• High-Risk Driver Car Insurance Rates in North Carolina

• North Carolina Car Insurance with Bad Credit Rates

• Short-Term Car Insurance in North Carolina

How to get the best and cheapest car insurance in Jacksonville, NC

Between its lovely waterfront setting and small-town feel, Jacksonville is becoming a popular city to live in. While most roads and freeways are easy enough to drive now, it’s only a matter of time before traffic becomes more and more problematic. It’s wise to enroll in a robust car insurance policy here, as state minimums are low and may not cover all of your expenses.

Finding affordable car insurance doesn’t have to be a tough task. Insurify can help you to save both time and money. After answering a few simple questions, you’ll be able to compare multiple real-time quotes and enroll in the right policy for your driving needs.

FAQs - Jacksonville, NC Car Insurance