Cheap Car Insurance in Jacksonville, NC
Jacksonville, NC, offers a unique combination of military solid traditional, and nature/wildlife opportunities. It is home to Camp Lejeune, the largest Marine base on the East Coast, as well as the Memorial Gardens, a tribute area for fallen soldiers with several memorials like the Beirut Memorial, the largest 100% privately-funded military memorial in the country.
Visitors and residents can also enjoy several beautiful beaches, the 10-acre Lynnwood Park Zoo, Hammocks Beach State Park, and the charming but developed 3-mile-long Bear Island, one of the most popular camping sites in the state.
If you want to drive legally in Jacksonville and surrounding areas, you must have an active auto insurance policy. Failure to do so will result in a suspended license/registration, reinstatement fees, and aggravation. Keep reading to learn more about auto insurance in North Carolina, including average monthly premiums paid by age, gender, and zip code in the region.
Quick Facts
- Jacksonville is named after former U.S. president Andrew Jackson
- Jacksonville is home to Camp Lejeune, the largest Marine base on the East Coast
- The cities of Raleigh and Durham are less than a three hours drive away from Jacksonville
How Much Does Car Insurance Cost in Jacksonville, NC?
The average monthly car insurance premium paid by Jacksonville drivers is $35 for the state-required minimum liability, lower than the national average of $47. The average for the cheapest car insurance in the state of North Carolina is $36. This includes bodily injury liability and property damage liability to cover the other driver if you cause an accident.
For more protection for yourself, you may want to consider full coverage auto insurance. The average monthly premium in Jacksonville for this insurance is $107, which is lower than the national average of $148 and the state average of $116. This package includes liability, plus comprehensive coverage and collision insurance, two types that will help pay for your injuries and damages, regardless of who is at fault.
Getting a Free Auto Insurance quote with Freeway is easy!
Low-Cost Car Insurance Rates Comparison by Cities
For a comparison of the average monthly premium paid in other North Carolina cities, check out our breakdown below. Residents of cities with higher claims rates may pay more for their insurance.
| City | Full Coverage Insurance | Liability Insurance Coverage |
|---|---|---|
| Jacksonville | $107 | $35 |
| Asheville | $100 | $30 |
| Chapel Hill | $104 | $32 |
| Charlotte | $156 | $59 |
| Durham | $108 | $37 |
Affordable Car Insurance Rates by Zip Code in Jacksonville, NC
Expect one zip code to pay lower or higher premiums than other zip codes in Jacksonville based on population density, number of thefts and accidents, and other factors that affect an area’s risk profile.
For the average monthly premium paid by Jacksonville residents, sorted by zip code, check out our breakdown below.
| Zip Code | Full Coverage Insurance | Liability Insurance Coverage |
|---|---|---|
| 28445 | $107 | $35 |
| 28540 | $123 | $41 |
| 28543 | $124 | $41 |
| 28544 | $124 | $41 |
| 28545 | $125 | $42 |
| 28546 | $123 | $41 |
| 28547 | $124 | $41 |
Low-Cost Car Insurance Rates by Age in Jacksonville, NC
Jacksonville drivers’ average monthly premiums vary significantly, partly due to age. Older drivers generally pay lower premiums than younger drivers due to longer driving histories, allowing lenders to determine risk better.
For the average monthly premium paid by Jacksonville residents, sorted by age, check out our breakdown below.
| Age | Full Coverage Insurance | Liability Insurance Coverage |
|---|---|---|
| Teenagers | $236 | $78 |
| 20s | $125 | $40 |
| 30s | $107 | $35 |
| 40s | $105 | $34 |
| 50s | $97 | $32 |
| 60s | $99 | $33 |
| 70s | $103 | $34 |
Unless otherwise specified, we use the following methodology to arrive at our average cost: male, age 30, lowest possible legal coverage allowed by North Carolina. Your rates will be determined by several factors, including your age, your gender and the amount of coverage you want to purchase.
Driving Conditions in Jacksonville, NC
How Many Fatal Accidents Happen in Jacksonville?
In 2019, there was only a single fatal traffic accident in Jacksonville involving two vehicles, two people, and no pedestrians.
How Are the Road Infrastructure and Bridges in Jacksonville, NC?
The city of Jacksonville has a Streets Division that focuses primarily on addressing any issues related to streets and sidewalks. Typical projects include soil road repair, brick street repair, pothole sealing, and asphalt preventative maintenance. It has also partnered with Jones-Onslow and Duke Energy to install and maintain street lights throughout the city.
Minimum Car Insurance Requirements in Jacksonville, North Carolina
Most states set minimum financial liability insurance requirements for all drivers to protect first and third parties in an auto accident.
All Jacksonville drivers must carry the following minimum liability limits:
- $30,000 bodily injury liability per person
- $60,000 bodily injury liability per accident
- $25,000 property damage liability per accident
Failure to carry the minimum level of auto liability insurance will result in a misdemeanor on top of civil penalty fees, reinstatement fees, possible probation/jail time, and a registration/driver’s license suspension until proof of insurance is provided.
Getting a Free Auto Insurance quote with Freeway is easy!
What Are the Penalties for Driving Without Insurance in Jacksonville, NC?
Driving without insurance in Jacksonville is a terrible idea.
- First-time offenders can expect a 30-day license/vehicle registration suspension until proof of insurance is provided. You will also need to pay a $50 civil penalty fee and a $50 reinstatement fee. Depending on the accident, you may even need to complete up to 45 days of probation.
- Punishments for second and third offenses are much worse. Civil penalties increase to $100 and $150, respectively, while reinstatement fees remain at $50 with the same possibility of jail or probation for up to 45 days.
- As North Carolina is an at-fault state, the driver determined to be at fault in an accident is responsible for paying all damages, either out-of-pocket or through their insurer. With the minimum required property damage liability of $25,000 and the average cost of new vehicles surpassing $40,000, expect a lot of headaches if you don’t have higher liability limits.
According to state law, all North Carolina drivers must carry 30/60/25 liability coverage of $30,000 bodily injury liability per person, $60,000 bodily injury liability per accident, and $25,000 property damage liability per accident.
Car Insurance Factors Allowed in Jacksonville, NC
There are many factors your insurance carriers use to determine your rates, including age and gender.
Insurance premiums are affected by the following factors (not an all-inclusive list):
- Driving history
- Claim history
- Physical location
- Zip code
- Type of vehicle
- Credit score
Discounts for Car Insurance in Jacksonville, North Carolina
You’ll be eligible for a Good Driver discount if you have had a clean driving record for three to five years (free of moving violations, at-fault accidents, or any claims). Other discounts include policy adjustments (e.g., autopay/paperless billing), installing safety devices like anti-lock brakes, and driving less than 7,500 miles a year.
Some car insurance discounts available to Jacksonville drivers include:
To take advantage of savings, call your insurance carrier every six months. Life circumstances, such as switching to an older vehicle or bundling your auto and homeowners policy, always necessitate an open line of communication.
Get an Online Quote for Low-Cost Car Insurance in Jacksonville, NC
Freeway Insurance is ready to help you find the right auto insurance policy for a fair price to avoid sudden financial hardship following an accident.
To learn more about Freeway Insurance, request a quote online, visit a Jacksonville location near you, or call 800-777-5620 for a quote. Call us today!