The following tables provide information on how certain traffic violations may affect car insurance rates. Drivers with no marks on their records will almost always pay the lowest prices for car insurance compared to drivers with an accident or driving violation. While some factors that help determine car insurance rates are beyond your control, you can still take steps to lower your car insurance premiums. This is a good age to compare rates, as the cheapest insurance company you found when you were 20 may no longer be the best deal.
The following table uses data from Insurify to illustrate how age affects average insurance premium rates in Jacksonville. A conviction for driving under the influence of alcohol or drugs is a serious offense that could cause many insurance companies to deny coverage. Drivers with a DUI may struggle to find affordable insurance and may have to turn to a high-risk auto insurance company. Insurers set rates based on the potential risk of you filing a claim, and good drivers are considered to be among the least risky.
But before you set out on an adventurous day in Florida, you'll need car insurance to get around legally. Keep in mind that some insurers that were willing to offer policy quotes to drivers with an at-fault accident are not on the list of companies willing to offer quotes to drivers with a DUI. If you don't meet the minimum insurance requirements, the state of Florida could suspend your license for up to three years, charge you a fee, or both. Your insurance company may ask you for details about the accident to determine your rate.
An accident caused by hitting a fender is likely to be treated differently than an accident caused by passing a red light. NerdWallet has analyzed car insurance rates in Jacksonville to provide you with a base that you can use on your shopping trip. The good news is that the accident will likely disappear from your driving record after a few years, at which point it should no longer affect your insurance.