Your car may take you all over the city, from the daily commute to errands and family plans. Because every driver’s routine is different, your insurance needs may be different, too. Kemper Auto offers personal car insurance with options that may include:
- Coverage tailored to personal vehicles and individual driving needs
- Flexible payment plans that can make budgeting for insurance easier
- Spanish-bilingual assistance in most areas
- Acceptance of certain non-standard IDs, including a matrícula consular and foreign or international driver’s licenses, depending on eligibility
- SR-22 and FR-44 filing for qualifying drivers
Ready to explore your options? Start a Kemper Auto quote online.
Optional auto insurance coverages available
Florida's minimum requirements are a starting point. Depending on your vehicle, family and budget, you may want additional coverage.
- Bodily injury liability: May help cover eligible injuries to other people when you are legally responsible for a covered accident.
- Uninsured/Underinsured motorist: May help cover eligible expenses if you are hit by an at-fault driver who has no insurance or not enough insurance.
- Collision: Helps pay for damage to your vehicle after a covered collision, subject to your applicable deductible.
- Comprehensive: Helps pay for certain non-collision losses, including theft and damage from storms, falling objects and some flooding events, subject to your applicable deductible.
- Medical Payments (MedPay): May help with eligible medical expenses after an accident and is separate from Florida's required PIP coverage.
- Roadside assistance: Helps provide services such as towing, battery jump-starts and help with certain roadside emergencies.
Kemper Auto also accepts certain non-standard forms of identification and offers SR-22 and FR-44 filing for qualifying drivers.
Penalties for driving without insurance in Florida
Driving without required insurance can lead to license and registration suspension. The FLHSMV materials also show reinstatement fees may reach $500, depending on the circumstances and prior violations.
Drivers may also face additional financial responsibility requirements after certain violations. Review current requirements with FLHSMV before getting back on the road.
An SR-22 is a certificate filed with the state showing that a driver carries required financial responsibility coverage. Drivers searching for options for SR-22 insurance in Jacksonville may need a filing after certain serious driving or insurance violations. Kemper Auto can electronically file an SR-22 for qualifying drivers.
FR-44 is also a certificate of financial responsibility. Requirements are different from an SR-22, though. Florida generally requires an FR-44 following a DUI conviction, with liability limits of $100,000 per person, $300,000 per crash and $50,000 for property damage (100/300/50). The filing requirement typically lasts three years.
A DUI conviction generally leads to an FR-44, while an SR-22 may apply to other qualifying financial responsibility cases. The state determines which filing you need based on your circumstances.
According to U.S. News & World Report, Jacksonville drivers pay an average of $4,042 annually for “full coverage” car insurance compared with the Florida average of $3,715 annually. Those averages are based on a sample driver and coverage profile, so your actual premium may be different.
Your driving record, ZIP code, vehicle, annual mileage, coverage limits and deductibles can all affect car insurance rates. Getting a quote can give you a more personalized idea of what coverage may cost.
Kemper Auto also offers discounts that may help eligible drivers save. Availability and eligibility can vary. Potential discounts include:
- Paid-in-full discount
- Proof of prior insurance discount
- Multi-car discount
- Homeowner discount
- Good student discount
- Advance quote discount
- Defensive driving course discount
Explore available car insurance discounts, start a quote or talk with a local agent about ways to manage your insurance budget.
Kemper Auto serves drivers throughout the area, including:
- Fort Caroline
- Westside
- Northside
- Jacksonville Beach
- Orange Park
- Riverside
- San Marco
- Arlington
- Mandarin
- Southside
Get car insurance quotes in Jacksonville, Florida
Ready to see your options? Getting car insurance quotes in Jacksonville starts with providing a few basic details so you can review your options.
Have the following information ready when you call your local Kemper Auto agent:
- Driver's license or other accepted identification
- Vehicle year, make, model and VIN, if available
- Driving history
- Current insurance coverage, if applicable
Enter your ZIP code and get a quote online, or find an agent through an independent insurance agency or broker to discuss your coverage needs. You can also call 877-352-0068 to speak with an agent.
Frequently asked questions about personal car insurance in Jacksonville, Florida
Your rate can depend on your ZIP code, driving record, vehicle, coverage selections and other factors. Reviewing available discounts, adjusting eligible deductibles and keeping continuous coverage may help manage costs. Start a Kemper Auto quote to see pricing based on your information.
It depends on the driver and policy. U.S. News & World Report’s 2026 data puts Jacksonville's average “full coverage” premium at about $336 per month, based on its sample driver and coverage profile. Your rate could be higher or lower depending on factors such as your vehicle, driving history, ZIP code, coverage and deductibles.
