Duval County Auto Insurance Guide
Real rates, coverage trends and carrier insights from first-party quotes collected in Duval County, FL. Serving Jacksonville and surrounding communities.
Get your Duval County quote now Call (888) 445-2793
About this data
A Plus Insurance is a licensed independent brokerage serving Florida. Every rate on this page comes from real people we quoted and sold coverage to — not modeled estimates or public filings. We compare 8+ carriers to find the best fit for your driver profile.
A Plus Insurance is an appointed independent agent for Progressive insurance — we can quote you Progressive alongside 8 other carriers to make sure you’re getting the best available rate.
Duval County at a Glance (Our Data)
Average Monthly Premium
$115
All coverages (median $102 — non-owner policies dominate this county’s data)
Non-Owner Share
88.9%
The highest non-owner share of any county in our entire dataset — 8 of 9 Duval policies are non-owner
Non-Owner Avg
$85
Non-owner insurance averaging $85/mo in Jacksonville
Rate Range
$30–$356
Observed monthly range across all policy types
Drivers searching for non-owner car insurance Jacksonville FL, cheap auto insurance Duval County Florida, SR22 insurance Jacksonville FL, or car insurance near Jacksonville will find Duval County has a uniquely non-owner-dominated market in our data. Whether you need non-owner insurance Jacksonville FL, SR22 non-owner insurance Duval County, or liability insurance Jacksonville Florida, we serve all of Duval County. See our Florida insurance guide.
Average monthly auto insurance rate by state
- Pricing ranges from $158.90 (FL) to $158.90 (FL) ... a spread of $0.00.
- Based on real auto insurance quotes grouped into 1 company results, the average across this view is $158.90. The spread is about 0% from lowest to highest.
- Rates can shift with coverage choices, Driver details, and vehicle factors ... use filters to compare similar coverage, then review the evidence table for context.
Evidence (records used)
This table lists underlying records used for the chart above.
| record_id | call_id | call_date | state | city | zip | year | make | model | age | sex | marital | coverage | carrier | monthly | violations | accidents | dui |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2141 | 19pITJxvZVJfPZj70mBFs8qcF0EuGo4U | 2026-04-07 | FL | Sun City Center | 33573 | 2017 | Hyundai | Elantra Sport | unknown | unknown | full_coverage | Progressive | 107.00 | 0 | 0 | 0 | |
| 2061 | 1euRYHA22Lyu6wI8XGQiOmmegNqvPOKE | 2026-04-01 | FL | Miami | 33132 | 2025 | BMW | X1 | 39 | female | unknown | full_coverage | Progressive | 190.33 | 0 | 0 | 0 |
| 2057 | 1wvezp0csPczd3K0OQgOg75A0iRjXQxa | 2026-04-01 | FL | Miami | 33132 | 2025 | BMW | X1 | 39 | unknown | unknown | full_coverage | Progressive | 190.33 | 0 | 1 | 0 |
| 1873 | 1BpG4zhwBpphvVQw5f4p2nzPn5C2w8Td | 2026-03-16 | FL | Miami | 33125 | unknown | unknown | full_coverage | Progressive | 247.99 | 0 | 0 | 0 | ||||
| 1790 | 20260316-091952-2566 | 2026-03-16 | FL | MIAMI | 33125 | 2015 | TOYOTA | COROLLA L | 28 | male | single | full_coverage | Progressive POP | 230.01 | 1 | 0 | 0 |
| 1670 | 20260305-1009-0882 | 2026-03-05 | FL | DELTONA | 32738 | 2006 | HONDA | ACCORD EX | 30 | male | single | liability_only | AssuranceAmerica Economy MobileMax | 178.80 | 3 | 0 | 0 |
| 1669 | 20260303-1010-0571 | 2026-03-03 | FL | SILVER SPRINGS | 34488 | 2002 | TOYOTA | HIGHLANDER LIMITED | 40 | male | single | liability_only | Progressive | 94.67 | 0 | 0 | 0 |
| 1668 | 20260303-1011-5926 | 2026-03-03 | FL | JACKSONVILLE | 32277 | 2020 | NISSAN | PATHFINDER S | 43 | female | single | liability_only | Progressive POP | 212.35 | 0 | 0 | 0 |
| 1668 | 20260303-1011-5926 | 2026-03-03 | FL | JACKSONVILLE | 32277 | 2020 | NISSAN | PATHFINDER S | 43 | female | single | liability_only | Progressive POP | 212.35 | 0 | 0 | 0 |
| 1520 | 20260217-100205-0839 | 2026-02-17 | FL | ORLANDO | 32805 | 2019 | NISSAN | SENTRA S | 46 | female | single | liability_only | Progressive POP | 85.17 | 0 | 0 | 0 |
| 1441 | 20260206-1041-4507 | 2026-02-06 | FL | MIAMI | 33176 | 2008 | AUDI | A4 2.0 TURBO | 45 | female | married | full_coverage | Progressive POP | 98.17 | 0 | 0 | 0 |
| 1441 | 20260206-1041-4507 | 2026-02-06 | FL | MIAMI | 33176 | 2008 | AUDI | A4 2.0 TURBO | 45 | female | married | full_coverage | Progressive POP | 98.17 | 0 | 0 | 0 |
| 1440 | 20251222-113426-4822 | 2025-12-22 | FL | SAINT JAMES CITY | 33956 | 2005 | MERCEDES BENZ | SL500 | 76 | male | widowed | full_coverage | Progressive (from TurboRater) | 163.66 | 0 | 0 | 0 |
| 1440 | 20251222-113426-4822 | 2025-12-22 | FL | SAINT JAMES CITY | 33956 | 2024 | GMC | SIERRA K1500 DENALI | 76 | male | widowed | full_coverage | Progressive (from TurboRater) | 163.66 | 0 | 0 | 0 |
| 1439 | 20260206-1044-2021 | 2026-02-06 | FL | UMATILLA | 32784 | 2017 | SUBARU | FORESTER 2.5I TOURIN | 23 | female | single | full_coverage | AssuranceAmerica Economy MobileMax | 277.60 | 0 | 0 | 0 |
| 1438 | 20251231-113303-0517 | 2025-12-31 | FL | FORT WALTON BEACH | 32548 | 2022 | KIA | TELLURIDE EX | 56 | male | single | full_coverage | AssuranceAmerica Economy MobileMax | 253.66 | 0 | 0 | 0 |
| 1437 | 20251219-113226-4172 | 2025-12-19 | FL | KISSIMMEE | 34744 | 2024 | NISSAN | ALTIMA S | 24 | female | married | full_coverage | Progressive POP | 141.00 | 0 | 0 | 0 |
| 1437 | 20251219-113226-4172 | 2025-12-19 | FL | KISSIMMEE | 34744 | 2024 | NISSAN | ALTIMA S | 24 | female | married | full_coverage | Progressive POP | 141.00 | 0 | 0 | 0 |
| 1436 | 20260128-113145-0390 | 2026-01-28 | FL | LAKE WORTH | 33461 | 2012 | HONDA | ACCORD EX-L | 60 | female | single | liability_only | Progressive | 192.85 | 0 | 0 | 0 |
| 1436 | 20260128-113145-0390 | 2026-01-28 | FL | LAKE WORTH | 33461 | 2012 | HONDA | ACCORD EX-L | 60 | female | single | liability_only | Progressive | 192.85 | 0 | 0 | 0 |
| 1436 | 20260128-113145-0390 | 2026-01-28 | FL | LAKE WORTH | 33461 | 2012 | BUICK | LACROSSE PREMIUM | 60 | female | single | liability_only | Progressive | 192.85 | 0 | 0 | 0 |
| 1436 | 20260128-113145-0390 | 2026-01-28 | FL | LAKE WORTH | 33461 | 2012 | BUICK | LACROSSE PREMIUM | 60 | female | single | liability_only | Progressive | 192.85 | 0 | 0 | 0 |
| 1435 | 20260206-1054-0839 | 2026-02-06 | FL | LARGO | 33771 | 2018 | ALFA ROMEO | GIULIA | 51 | male | married | liability_only | Progressive | 49.17 | 0 | 0 | 0 |
| 1435 | 20260206-1054-0839 | 2026-02-06 | FL | LARGO | 33771 | 2018 | ALFA ROMEO | GIULIA | 51 | male | married | liability_only | Progressive | 49.17 | 0 | 0 | 0 |
| 1434 | 20260123-113020-3119 | 2026-01-23 | FL | BROOKSVILLE | 34604 | 2018 | NISSAN | ALTIMA 2.5 | 27 | male | married | full_coverage | (from TurboRater) | 87.84 | 0 | 0 | 0 |
| 1434 | 20260123-113020-3119 | 2026-01-23 | FL | BROOKSVILLE | 34604 | 2018 | NISSAN | ALTIMA 2.5 | 27 | male | married | full_coverage | (from TurboRater) | 87.84 | 0 | 0 | 0 |
Coverage Type Breakdown – Duval County
Duval County has the most distinctive coverage profile in our entire dataset — 88.9% of all policies are non-owner insurance. This exceptional share likely reflects Jacksonville’s large population seeking SR-22 filings through non-owner policies after license suspensions.
| Coverage Type | % of Quotes | Avg Monthly |
|---|---|---|
| Non-Owners | 88.9% | $85 |
| Auto-Liability | 11.1% | $356 |
Liability only vs full coverage by company
AssuranceAmerica
Progressive
(from TurboRater)
Across these carriers, liability only averages $163.11 per month, while full coverage averages $171.50. The largest gap in this view is $86.83 for AssuranceAmerica.
Evidence (records used)
This table lists underlying records used for the chart above.
| record_id | call_id | call_date | state | city | zip | year | make | model | age | sex | marital | coverage | carrier | monthly | violations | accidents | dui |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2141 | 19pITJxvZVJfPZj70mBFs8qcF0EuGo4U | 2026-04-07 | FL | Sun City Center | 33573 | 2017 | Hyundai | Elantra Sport | unknown | unknown | full_coverage | Progressive | 107.00 | 0 | 0 | 0 | |
| 2061 | 1euRYHA22Lyu6wI8XGQiOmmegNqvPOKE | 2026-04-01 | FL | Miami | 33132 | 2025 | BMW | X1 | 39 | female | unknown | full_coverage | Progressive | 190.33 | 0 | 0 | 0 |
| 2057 | 1wvezp0csPczd3K0OQgOg75A0iRjXQxa | 2026-04-01 | FL | Miami | 33132 | 2025 | BMW | X1 | 39 | unknown | unknown | full_coverage | Progressive | 190.33 | 0 | 1 | 0 |
| 1873 | 1BpG4zhwBpphvVQw5f4p2nzPn5C2w8Td | 2026-03-16 | FL | Miami | 33125 | unknown | unknown | full_coverage | Progressive | 247.99 | 0 | 0 | 0 | ||||
| 1790 | 20260316-091952-2566 | 2026-03-16 | FL | MIAMI | 33125 | 2015 | TOYOTA | COROLLA L | 28 | male | single | full_coverage | Progressive POP | 230.01 | 1 | 0 | 0 |
| 1670 | 20260305-1009-0882 | 2026-03-05 | FL | DELTONA | 32738 | 2006 | HONDA | ACCORD EX | 30 | male | single | liability_only | AssuranceAmerica Economy MobileMax | 178.80 | 3 | 0 | 0 |
| 1669 | 20260303-1010-0571 | 2026-03-03 | FL | SILVER SPRINGS | 34488 | 2002 | TOYOTA | HIGHLANDER LIMITED | 40 | male | single | liability_only | Progressive | 94.67 | 0 | 0 | 0 |
| 1668 | 20260303-1011-5926 | 2026-03-03 | FL | JACKSONVILLE | 32277 | 2020 | NISSAN | PATHFINDER S | 43 | female | single | liability_only | Progressive POP | 212.35 | 0 | 0 | 0 |
| 1668 | 20260303-1011-5926 | 2026-03-03 | FL | JACKSONVILLE | 32277 | 2020 | NISSAN | PATHFINDER S | 43 | female | single | liability_only | Progressive POP | 212.35 | 0 | 0 | 0 |
| 1520 | 20260217-100205-0839 | 2026-02-17 | FL | ORLANDO | 32805 | 2019 | NISSAN | SENTRA S | 46 | female | single | liability_only | Progressive POP | 85.17 | 0 | 0 | 0 |
| 1441 | 20260206-1041-4507 | 2026-02-06 | FL | MIAMI | 33176 | 2008 | AUDI | A4 2.0 TURBO | 45 | female | married | full_coverage | Progressive POP | 98.17 | 0 | 0 | 0 |
| 1441 | 20260206-1041-4507 | 2026-02-06 | FL | MIAMI | 33176 | 2008 | AUDI | A4 2.0 TURBO | 45 | female | married | full_coverage | Progressive POP | 98.17 | 0 | 0 | 0 |
| 1440 | 20251222-113426-4822 | 2025-12-22 | FL | SAINT JAMES CITY | 33956 | 2005 | MERCEDES BENZ | SL500 | 76 | male | widowed | full_coverage | Progressive (from TurboRater) | 163.66 | 0 | 0 | 0 |
| 1440 | 20251222-113426-4822 | 2025-12-22 | FL | SAINT JAMES CITY | 33956 | 2024 | GMC | SIERRA K1500 DENALI | 76 | male | widowed | full_coverage | Progressive (from TurboRater) | 163.66 | 0 | 0 | 0 |
| 1439 | 20260206-1044-2021 | 2026-02-06 | FL | UMATILLA | 32784 | 2017 | SUBARU | FORESTER 2.5I TOURIN | 23 | female | single | full_coverage | AssuranceAmerica Economy MobileMax | 277.60 | 0 | 0 | 0 |
| 1438 | 20251231-113303-0517 | 2025-12-31 | FL | FORT WALTON BEACH | 32548 | 2022 | KIA | TELLURIDE EX | 56 | male | single | full_coverage | AssuranceAmerica Economy MobileMax | 253.66 | 0 | 0 | 0 |
| 1437 | 20251219-113226-4172 | 2025-12-19 | FL | KISSIMMEE | 34744 | 2024 | NISSAN | ALTIMA S | 24 | female | married | full_coverage | Progressive POP | 141.00 | 0 | 0 | 0 |
| 1437 | 20251219-113226-4172 | 2025-12-19 | FL | KISSIMMEE | 34744 | 2024 | NISSAN | ALTIMA S | 24 | female | married | full_coverage | Progressive POP | 141.00 | 0 | 0 | 0 |
| 1436 | 20260128-113145-0390 | 2026-01-28 | FL | LAKE WORTH | 33461 | 2012 | HONDA | ACCORD EX-L | 60 | female | single | liability_only | Progressive | 192.85 | 0 | 0 | 0 |
| 1436 | 20260128-113145-0390 | 2026-01-28 | FL | LAKE WORTH | 33461 | 2012 | HONDA | ACCORD EX-L | 60 | female | single | liability_only | Progressive | 192.85 | 0 | 0 | 0 |
| 1436 | 20260128-113145-0390 | 2026-01-28 | FL | LAKE WORTH | 33461 | 2012 | BUICK | LACROSSE PREMIUM | 60 | female | single | liability_only | Progressive | 192.85 | 0 | 0 | 0 |
| 1436 | 20260128-113145-0390 | 2026-01-28 | FL | LAKE WORTH | 33461 | 2012 | BUICK | LACROSSE PREMIUM | 60 | female | single | liability_only | Progressive | 192.85 | 0 | 0 | 0 |
| 1435 | 20260206-1054-0839 | 2026-02-06 | FL | LARGO | 33771 | 2018 | ALFA ROMEO | GIULIA | 51 | male | married | liability_only | Progressive | 49.17 | 0 | 0 | 0 |
| 1435 | 20260206-1054-0839 | 2026-02-06 | FL | LARGO | 33771 | 2018 | ALFA ROMEO | GIULIA | 51 | male | married | liability_only | Progressive | 49.17 | 0 | 0 | 0 |
| 1434 | 20260123-113020-3119 | 2026-01-23 | FL | BROOKSVILLE | 34604 | 2018 | NISSAN | ALTIMA 2.5 | 27 | male | married | full_coverage | (from TurboRater) | 87.84 | 0 | 0 | 0 |
| 1434 | 20260123-113020-3119 | 2026-01-23 | FL | BROOKSVILLE | 34604 | 2018 | NISSAN | ALTIMA 2.5 | 27 | male | married | full_coverage | (from TurboRater) | 87.84 | 0 | 0 | 0 |
Premium Distribution – Duval County
Auto-related policies only. Apr 2024 – Apr 2026.
Key stats: Median ~$102/mo; average ~$115/mo; observed range $30–$356/mo.
Average Rates by Carrier – Duval County
Gainsco, National General, and Mendota all serve our Duval County market. Gainsco averages the lowest at $57/mo.
| Company | Avg Monthly Premium |
|---|---|
| Gainsco | $57 |
| National General | $96 |
| Mendota | $112 |
| Geico | $356 |
See what Jacksonville and Duval County drivers are actually paying.
Get your Duval County quote now Call (888) 445-2793Cheapest auto insurance companies
- Pricing ranges from $87.84 ((from TurboRater)) to $236.69 (AssuranceAmerica Economy MobileMax) ... a spread of $148.85.
- Based on real auto insurance quotes grouped into 3 company results, the average across this view is $159.69. The spread is about 169% from lowest to highest.
- Rates can shift with coverage choices, Driver details, and vehicle factors ... use filters to compare similar coverage, then review the evidence table for context.
Evidence (records used)
This table lists underlying records used for the chart above.
| record_id | call_id | call_date | state | city | zip | year | make | model | age | sex | marital | coverage | carrier | monthly | violations | accidents | dui |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2141 | 19pITJxvZVJfPZj70mBFs8qcF0EuGo4U | 2026-04-07 | FL | Sun City Center | 33573 | 2017 | Hyundai | Elantra Sport | unknown | unknown | full_coverage | Progressive | 107.00 | 0 | 0 | 0 | |
| 2061 | 1euRYHA22Lyu6wI8XGQiOmmegNqvPOKE | 2026-04-01 | FL | Miami | 33132 | 2025 | BMW | X1 | 39 | female | unknown | full_coverage | Progressive | 190.33 | 0 | 0 | 0 |
| 2057 | 1wvezp0csPczd3K0OQgOg75A0iRjXQxa | 2026-04-01 | FL | Miami | 33132 | 2025 | BMW | X1 | 39 | unknown | unknown | full_coverage | Progressive | 190.33 | 0 | 1 | 0 |
| 1873 | 1BpG4zhwBpphvVQw5f4p2nzPn5C2w8Td | 2026-03-16 | FL | Miami | 33125 | unknown | unknown | full_coverage | Progressive | 247.99 | 0 | 0 | 0 | ||||
| 1790 | 20260316-091952-2566 | 2026-03-16 | FL | MIAMI | 33125 | 2015 | TOYOTA | COROLLA L | 28 | male | single | full_coverage | Progressive POP | 230.01 | 1 | 0 | 0 |
| 1670 | 20260305-1009-0882 | 2026-03-05 | FL | DELTONA | 32738 | 2006 | HONDA | ACCORD EX | 30 | male | single | liability_only | AssuranceAmerica Economy MobileMax | 178.80 | 3 | 0 | 0 |
| 1669 | 20260303-1010-0571 | 2026-03-03 | FL | SILVER SPRINGS | 34488 | 2002 | TOYOTA | HIGHLANDER LIMITED | 40 | male | single | liability_only | Progressive | 94.67 | 0 | 0 | 0 |
| 1668 | 20260303-1011-5926 | 2026-03-03 | FL | JACKSONVILLE | 32277 | 2020 | NISSAN | PATHFINDER S | 43 | female | single | liability_only | Progressive POP | 212.35 | 0 | 0 | 0 |
| 1668 | 20260303-1011-5926 | 2026-03-03 | FL | JACKSONVILLE | 32277 | 2020 | NISSAN | PATHFINDER S | 43 | female | single | liability_only | Progressive POP | 212.35 | 0 | 0 | 0 |
| 1520 | 20260217-100205-0839 | 2026-02-17 | FL | ORLANDO | 32805 | 2019 | NISSAN | SENTRA S | 46 | female | single | liability_only | Progressive POP | 85.17 | 0 | 0 | 0 |
| 1441 | 20260206-1041-4507 | 2026-02-06 | FL | MIAMI | 33176 | 2008 | AUDI | A4 2.0 TURBO | 45 | female | married | full_coverage | Progressive POP | 98.17 | 0 | 0 | 0 |
| 1441 | 20260206-1041-4507 | 2026-02-06 | FL | MIAMI | 33176 | 2008 | AUDI | A4 2.0 TURBO | 45 | female | married | full_coverage | Progressive POP | 98.17 | 0 | 0 | 0 |
| 1440 | 20251222-113426-4822 | 2025-12-22 | FL | SAINT JAMES CITY | 33956 | 2005 | MERCEDES BENZ | SL500 | 76 | male | widowed | full_coverage | Progressive (from TurboRater) | 163.66 | 0 | 0 | 0 |
| 1440 | 20251222-113426-4822 | 2025-12-22 | FL | SAINT JAMES CITY | 33956 | 2024 | GMC | SIERRA K1500 DENALI | 76 | male | widowed | full_coverage | Progressive (from TurboRater) | 163.66 | 0 | 0 | 0 |
| 1439 | 20260206-1044-2021 | 2026-02-06 | FL | UMATILLA | 32784 | 2017 | SUBARU | FORESTER 2.5I TOURIN | 23 | female | single | full_coverage | AssuranceAmerica Economy MobileMax | 277.60 | 0 | 0 | 0 |
| 1438 | 20251231-113303-0517 | 2025-12-31 | FL | FORT WALTON BEACH | 32548 | 2022 | KIA | TELLURIDE EX | 56 | male | single | full_coverage | AssuranceAmerica Economy MobileMax | 253.66 | 0 | 0 | 0 |
| 1437 | 20251219-113226-4172 | 2025-12-19 | FL | KISSIMMEE | 34744 | 2024 | NISSAN | ALTIMA S | 24 | female | married | full_coverage | Progressive POP | 141.00 | 0 | 0 | 0 |
| 1437 | 20251219-113226-4172 | 2025-12-19 | FL | KISSIMMEE | 34744 | 2024 | NISSAN | ALTIMA S | 24 | female | married | full_coverage | Progressive POP | 141.00 | 0 | 0 | 0 |
| 1436 | 20260128-113145-0390 | 2026-01-28 | FL | LAKE WORTH | 33461 | 2012 | HONDA | ACCORD EX-L | 60 | female | single | liability_only | Progressive | 192.85 | 0 | 0 | 0 |
| 1436 | 20260128-113145-0390 | 2026-01-28 | FL | LAKE WORTH | 33461 | 2012 | HONDA | ACCORD EX-L | 60 | female | single | liability_only | Progressive | 192.85 | 0 | 0 | 0 |
| 1436 | 20260128-113145-0390 | 2026-01-28 | FL | LAKE WORTH | 33461 | 2012 | BUICK | LACROSSE PREMIUM | 60 | female | single | liability_only | Progressive | 192.85 | 0 | 0 | 0 |
| 1436 | 20260128-113145-0390 | 2026-01-28 | FL | LAKE WORTH | 33461 | 2012 | BUICK | LACROSSE PREMIUM | 60 | female | single | liability_only | Progressive | 192.85 | 0 | 0 | 0 |
| 1435 | 20260206-1054-0839 | 2026-02-06 | FL | LARGO | 33771 | 2018 | ALFA ROMEO | GIULIA | 51 | male | married | liability_only | Progressive | 49.17 | 0 | 0 | 0 |
| 1435 | 20260206-1054-0839 | 2026-02-06 | FL | LARGO | 33771 | 2018 | ALFA ROMEO | GIULIA | 51 | male | married | liability_only | Progressive | 49.17 | 0 | 0 | 0 |
| 1434 | 20260123-113020-3119 | 2026-01-23 | FL | BROOKSVILLE | 34604 | 2018 | NISSAN | ALTIMA 2.5 | 27 | male | married | full_coverage | (from TurboRater) | 87.84 | 0 | 0 | 0 |
| 1434 | 20260123-113020-3119 | 2026-01-23 | FL | BROOKSVILLE | 34604 | 2018 | NISSAN | ALTIMA 2.5 | 27 | male | married | full_coverage | (from TurboRater) | 87.84 | 0 | 0 | 0 |
ZIP Code Variation – Duval County
| ZIP Code | Area | Quote Count | Avg Monthly |
|---|---|---|---|
| 32207 | Jacksonville | 2 | $93 |
| 32205 | Jacksonville | 1 | $76 |
| 32222 | Jacksonville | 1 | $102 |
All ZIPs in our Duval County data are within Jacksonville. Premiums are relatively consistent across ZIPs given the non-owner policy majority. Note: our Duval County sample is smaller — a fresh quote for your specific profile will be more accurate.
We serve all of Duval County including Jacksonville, Jacksonville Beach, Atlantic Beach, Neptune Beach, and Baldwin. For non-owner insurance see learnandserve.org/non-owners-insurance-florida/ and for SR22 needs see learnandserve.org/insurance-florida/sr22-insurance-florida/.
Florida / Duval County Minimum Requirements
| Coverage | Minimum | Covers |
|---|---|---|
| Personal Injury Protection (PIP) | $10,000 | Your own medical expenses regardless of fault |
| Property Damage Liability | $10,000 | Damage you cause to others’ property |
Florida requires minimum PIP ($10k) and Property Damage Liability ($10k). Duval County’s overwhelming non-owner share suggests a large population in Jacksonville maintaining minimum coverage through non-owner policies — often for SR-22 requirements.
Our Data Methodology
All insights on this page come from first-party quotes collected by our licensed brokerage in Duval County from April 2024 through April 2026. Quotes reflect real shoppers — no simulated or public filing data. All data is aggregated and anonymized.
Why this matters: These numbers reflect what Duval County shoppers were actually quoted through our brokerage — not national averages or estimates. A Plus Insurance is a licensed independent brokerage — not a carrier. We compare multiple companies to find the best rate for your specific driver profile.
Duval County Auto Insurance FAQs
What is the average cost of car insurance in Duval County?
From our Duval County data (Apr 2024–Apr 2026): the average is about $115/month and the median is about $102/month. Non-owner policies average $85/mo and make up 88.9% of our Duval County data — the highest non-owner share of any county in our entire dataset.
Why are almost all Duval County policies non-owner?
Our Jacksonville data shows an overwhelming non-owner policy concentration. This typically reflects a population seeking SR-22 filings through non-owner insurance after license suspensions — a common pattern in larger Florida cities. Non-owner policies provide the required liability coverage without needing to own a vehicle.
What is non-owner car insurance in Jacksonville?
Non-owner insurance covers you as a driver in any vehicle you don’t own. It provides liability protection and can satisfy SR-22 filing requirements. In our Duval County data, non-owner averaged $85/mo. It’s available whether you rent cars, borrow vehicles, or simply need to maintain coverage after a license issue.
Can I get SR22 insurance in Jacksonville through A Plus?
Yes. We file SR22 certificates for Duval County drivers across all Jacksonville ZIP codes. Non-owner SR22 policies are particularly common in our Jacksonville data. See our Florida SR22 guide.
Which company is cheapest in Duval County?
In our data, Gainsco averaged $57/mo for non-owner and liability policies — the most affordable carrier in our Duval County sample. National General averaged $96/mo and Mendota $112/mo.
Do you serve Jacksonville Beach and Atlantic Beach?
Yes. We serve all of Duval County including Jacksonville, Jacksonville Beach, Atlantic Beach, Neptune Beach, and Baldwin. We work entirely by phone or online.
What are Florida’s minimum car insurance requirements?
Florida requires minimum Personal Injury Protection (PIP) of $10,000 and Property Damage Liability of $10,000. Florida is a no-fault state — your own PIP coverage pays your medical bills regardless of who caused the accident.
Get your Duval County quote — real data, real carriers
We are a licensed brokerage — not a carrier. Every data point on this page came from a real person we quoted or sold coverage to in Duval County. We compare multiple carriers at once to get you the best rate for your profile.
Get your Duval County quote nowOr call 888-445-2793
Brian Muse
Customer Service Representative
Customer Service Representative specializing in billing support, document processing, and policy account management.
Brian assists clients with policy questions, coverage updates, and general account support to help keep their insurance in good standing.
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