Quick Answer
Florida is a no-fault state requiring PIP coverage. NAS Jacksonville sailors also need to think about hurricane season (June-November) for renters and homeowners insurance. Florida has some of the highest uninsured driver rates in the US.
Base
NAS Jacksonville
NAS Jacksonville
State
Florida
Florida
Auto Law
No-fault (PIP required)
No-fault (PIP required)
Major Commands
COMNAVAIRLANT, NAVHOSP Jax
COMNAVAIRLANT, NAVHOSP Jax
BAH Rates for NAS Jacksonville (2025)
| Rank | Without Dependents | With Dependents |
|---|---|---|
| E-4 | $1,350 | $1,623 |
| E-5 | $1,467 | $1,764 |
| E-7 | $1,686 | $1,956 |
| O-3 | $1,980 | $2,298 |
Florida Auto Insurance: No-Fault State
Florida is a no-fault state. All drivers must carry:
- PIP (Personal Injury Protection): $10,000 required - your own insurer pays your injuries
- Property Damage Liability: $10,000 minimum
- Bodily Injury Liability: Not required but strongly recommended
- Uninsured Motorist: Florida has ~26% uninsured drivers - essential coverage
Florida Note: Despite being a no-fault state, Florida does not require bodily injury liability insurance. This is unusual. Ensure you carry it voluntarily to protect yourself if you seriously injure another driver.
Hurricane and Renters Insurance
Jacksonville is in Florida's hurricane risk zone. For renters near NAS Jax:
- Standard renters insurance covers wind damage from hurricanes (in most policies)
- Flood damage is NOT covered by standard renters insurance - flood insurance is separate
- On-base housing: Check with Lincoln Military Housing about hurricane preparedness
- Hurricane season: June 1 - November 30. Purchase insurance before season starts