Car Insurance in Jacksonville, FL

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Mercury Car Insurance in Jacksonville

Cruising through Jacksonville—from Riverside’s historic charm to the Atlantic coastlines of Neptune Beach—calls for auto insurance built for Florida’s largest city. That’s where Mercury Insurance comes into play. We offer affordable rates, customizable coverage, and local agent support so you can drive confidently across Duval County. Plus, you can save even more with our exclusive discounts, including multi-car savings (up to 16%), accident-free rewards (up to 8%), and a paid-in-full discount (up to 15%).

Why Choose Mercury for Jacksonville Car Insurance?

Local expertise: Our local agents understand the risks Jacksonville drivers face—from navigating I-95 traffic to coastal rainstorms near Jacksonville Beach—and can help customize a policy to your needs.
Flexible coverage options: Whether you’re driving downtown or across St. Johns County, Mercury offers car insurance plans that can include protection against accidents, theft, and Florida’s extreme weather.
Affordable rates and discounts: Mercury is committed to delivering cheap car insurance in Jacksonville without sacrificing protection. Save big with our competitive rates and exclusive discounts, including a multi-car discount (up to 16%) and a paid-in-full discount (up to 15%).
Excellent customer service: Need help selecting coverage, managing a claim, or just getting a fast quote? Our agents are here to help every step of the way.

Sad woman talking on cell phone near wrecked car

Is Auto Insurance Mandatory in Jacksonville, FL?

Yes. Florida law requires all drivers to carry a minimum level of coverage to stay legal on the road. As a no-fault state, Florida mandates that your own insurance covers your medical expenses, regardless of who’s at fault in an accident.

Legal Requirements to Drive in Jacksonville

According to the Florida Department of Highway Safety and Motor Vehicles, every Jacksonville driver must maintain the following minimum coverage:

Personal injury protection (PIP): At least $10,000. This covers medical bills, certain non-medical expenses (like lost wages), and death benefits—no matter who caused the accident.
Property damage liability (PDL): At least $10,000. This covers damage to someone else’s property caused by you or another driver on your policy.

Optional Jacksonville Car Insurance

If you want extra peace of mind, it’s smart to consider adding a few more protections to your policy:

Bodily injury liability (BIL): Recommended coverage that helps pay for injuries you cause to others in an accident. It’s often required if you’ve been convicted of a DUI or are involved in a serious crash.
Collision coverage: Pays for repairs to your vehicle after an accident, regardless of fault. This is especially helpful in high-traffic areas like I-95 or during Jacksonville’s rainy season.
Comprehensive coverage: Protects against non-collision damage such as theft, vandalism, hurricanes, floods, or hitting a deer.
Uninsured/underinsured motorist coverage: Offers protection if you’re hit by a driver who has insufficient or no insurance.

What Does Jacksonville Auto Insurance Not Cover?

Even with a well-rounded policy, there are a few things that standard auto insurance in Jacksonville typically doesn’t cover. Here are some common exclusions:

Intentional damage: Any damage you deliberately cause to your own vehicle is not covered.
Personal belongings: Items stolen from or damaged inside your car (like laptops or phones) are not covered under your auto policy. You may need renters or homeowners insurance for that.
Commercial use: Using your car for business purposes usually requires a commercial auto policy. Standard personal insurance won’t cover business-related incidents.
Racing and off-roading: Damage that happens while racing, participating in competitions, or driving off-road is not included in most standard policies.

How to Get Car Insurance in Jacksonville, FL

Finding the best car insurance doesn’t have to be a hassle. Visit our Florida Insurance Agents page to find an agent near you. Compare quotes to find the right coverage that fits your needs and budget, and drive confidently through Jacksonville knowing you’re getting the best deal with Mercury.

Start Your Online Quote Today

Portrait of woman enjoying road trip in open top classic car

Get Cheap Auto Insurance in Jacksonville from Mercury

With Mercury, you get more than just cheap car insurance. You get coverage designed for the way Jacksonville drivers live, work, and drive. Whether you’re commuting on I-295, heading to the beach, or cruising through downtown, Mercury helps you stay protected without breaking the bank.

Save More with Discounts

Mercury offers a wide range of discounts to help you save even more. Here’s how you can cut your auto insurance costs in Jacksonville:

Multi-car discount: Save up to 16% when you insure more than one vehicle on your policy.
Accident-free discount: If you’ve been accident- and violation-free for the past three years, you could save up to 8%.
Paid-in-full discount: Pay your premium up front and get up to 15% off.
Automatic payment discount: Set up auto-pay from your bank account and enjoy a 4% discount.
E-signature discount: Sign your policy documents electronically and save 3%.
New customer discount: New to Mercury and have a clean driving record for five years? You could qualify for a 14% discount.

Cars on Dames Point or Napoleon Bonaparte Broward suspension cable-stayed bridge over St. Johns River in Florida Interstate 295 East Beltway

Top Rated Auto Insurance in Jacksonville, FL

At Mercury, we’re proud to help Jacksonville drivers find reliable, top-rated coverage that fits their lifestyle and budget. But don’t just take our word for it. Read real reviews from Mercury customers and see why we’re a trusted name in car insurance.