Jacksonville Car Insurance and Traffic Violations

Jacksonville car insurance will keep you out of trouble with some traffic violations, but not all of them.

Jacksonville car insurance makes this site even more beautiful to drive on because you are protected.

Jacksonville is Florida’s largest city, but it still makes up only a small portion of the state’s total population. It makes up an even smaller portion of all the traffic violations in Florida during the year, including tickets for both moving violations and insurance compliance.

Jacksonville Traffic Violations

The population of Duval County in 2012, where Jacksonville is located, had a population of 879,602 citizens. Compared to the entire state of Florida that has a population of 19,317,568, this small county only makes up 4.5% of Florida’s total population. (US Census Bureau)

And apparently they aren’t all that bad of drivers, as even though they make up 4.5% of Florida’s population, they only received 3% of the state’s traffic citations in 2012. Now, that 1.5% difference between the traffic violation and population may not sound like much. But in actual numbers, for Duvall County to match their violations with their population they would have had to earn 67,497 more traffic violations than they did. (Florida Department of Highway Safety and Motor Vehicles)

That’s one more violation for every 13th person in that county. So that 1.5% makes more of a difference than it looks at first.

Jacksonville Traffic Fines

If you are one of the few unlucky Jacksonville residents that get a ticket in Duval County, or a resident from anywhere for that matter, you can expect the following fines:

Speeding 1-9mph over the speed limit = $129.00

Speeding 10-14mph over the speed limit = $204.00

Speeding 15-19mph over the speed limit = $254.00

Speeding 20-29mph over the speed limit = $279.00

Speeding 30mph over the speed limit = Duval County doesn’t even list the fines at this point; you get to go to court to find out what you will be paying in person.

If you choose to drive without valid Jacksonville car insurance, your fine alone will be $114.00.

Jacksonville Car Insurance

Insurance laws for Jacksonville, Florida require that all drivers carry 2 specific coverages. First they have to carry no less than $10,000 in personal injury protection coverage. This coverage is to pay for the medical expenses for the driver and passengers in a vehicle from a car accident, regardless of who is at fault.

Second, $10,000 in property damage liability coverage is also required. This coverage pays for damages to another person’s property that you may damage with your car.

Insurance in Jacksonville is actually regulated by the state of Florida and not the city. It’s the state that creates the new insurance laws and also enforces the laws by making sure that all registered vehicle owners have the required insurance.

If drivers refuse to comply with the required insurance law, they can lose their driver’s license, vehicle registration and have to pay a reinstatement fee that ranges from $150 to $500. Mandatory insurance laws are enforceable by any law enforcement department in Florida, including the Jacksonville Police.