Car Insurance Quotes Jacksonville nc

In Jacksonville Nc, drivers benefit from lower-than-average car insurance premiums by comparing quote. The average monthly premium for state-required minimum liability coverage is $35, which is less than the national average of $47. Full coverage insurance averages $85 per month in Jacksonville for those looking for more comprehensive protection. This is less than both the North Carolina state average of $93 per month and the national average of $150. Several factors contribute to these lower costs, including the city’s smaller population and less congested roadways. However, individual premiums can vary based on factors such as the driver’s history, age, credit score, and the type of vehicle (Emily Guy Birken, 2025).

Jacksonville NC law mandates specific minimum auto insurance coverage limits to ensure financial responsibility in the event of an accident. As of 2025, the minimum coverage requirements are increasing to $50,000 for bodily injury liability per person and $100,000 per accident. Property damage liability coverage will also increase to $50,000 per accident. Jacksonville nc requires uninsured motorist coverage, with limits mirroring the bodily injury and property damage liability requirements. These changes aim to provide greater financial protection for drivers and accident victims in the state

Teen drivers can employ various strategies to reduce their car insurance premiums. Maintaining a clean driving record is crucial for securing lower rates. Completing a defensive driving course can also qualify teens for discounts. Good student discounts are available for teens who maintain a “B” average or better. Choosing a safe and reliable vehicle, rather than a luxury car, can also lower insurance costs

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How Much Does Car Insurance Cost in Jacksonville, NC?

Jacksonville, NC, drivers pay an average monthly premium of $35 for auto insurance as state-mandated minimum liability, which is less than the national average of $47. In North Carolina, the average cost of the least expensive car insurance is $36. If you cause an accident, this covers the other driver’s property damage and bodily injury liabilities.

You might want to think about getting full coverage car insurance if you want to better protect yourself. The average monthly premium in Jacksonville, NC, 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 assist in paying for your injuries and losses, regardless of who is at fault.

Low-Cost Car Insurance Rates Comparison by Cities

See breakdown below for a comparison of the average monthly premiums paid in different cities in North Carolina. The cost of insurance may increase for residents in cities with high claim rates.

City Full Coverage Insurance Liability Insurance Coverage
Jacksonville……..$107……………………………………….$35
Asheville………….$100……………………………………….$30
Chapel Hill………$104……………………………………….$32
Charlotte………….$156……………………………………….$59
Durham…………..$108……………………………………….$37

Independent Insurance Companies near Jacksonville Nc

Independent insurance agents in Jacksonville, NC, are just a click away. Look through these reliable agents in the Jacksonville region to safeguard your most valuable assets right now.

Ashlie Fortune Insurance LLC

(910) 455-7904
445 Western Blvd
Ste H
Jacksonville, NC 28546

Sia Of North Carolina

(910) 455-7576
827 Gum Branch Rd
Jacksonville, NC 28540

William B Sheally III

(910) 452-9877
207 Western Blvd
Jacksonville, NC 28546

Car nsurance Requirements in Jacksonville nc

The specific coverage limits required in the state has increase. The table below reflects the change in requirements:

Coverage Current Coverage Limits

Bodily injury liability………….. $50,000 per person / $100,000 per accident

Property damage liability……….$25,000 per accident $50,000 per accident

Uninsured motorist coverage….$50,000 per person / $100,000 per accident / $50,000 per accident for property damage

Cheapest Car Insurance For Teens In Jacksonville Nc

Teenage drivers are inexperienced, which increases the likelihood of accidents. Young drivers’ insurance prices are, therefore, higher than those of adults. The average monthly premium for full coverage and liability insurance for teen drivers in Jacksonville Nc is $150 and $101

It can be costly to add a teen driver to the family’s auto insurance policy, but there are a number of ways for teens to keep their car insurance costs down, such as continuing to drive their parents’ vehicle, driving defensively, enrolling in a defensive driving course, and applying for a good student discount.

Some of Jacksonville’s most affordable monthly quotes for teen auto insurance are provided by the following providers.

Insurance Company Liability Only. Full Coverage
Erie……………………………….$70………………….$104
Nationwide…………………….$74………………….$109
GEICO…………………………..$76………………….$113
Dairyland………………………$89………………….$314
Travelers……………………….$94………………….$141
Progressive……………………$99………………….$146
Allstate………………………….$101………………..$150
Direct Auto……………………$107………………..$175
Liberty Mutual………………$112…………………$304
Safeco…………………………..$114…………………$214
State Farm……………………$117…………………$175

Car insurance costs in Jacksonville, NC, are influenced by a variety of factors, including coverage type, driving history, and age. For additional information, visit here

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