Cheapest Auto Insurance in Jacksonville, Florida (2026)
State Farm offers the cheapest car insurance in Jacksonville, with minimum-coverage policies as low as $108 per month.
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Written byJacqueline DeMarco
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Jacqueline DeMarcoFreelance Insurance Writer
13+ years writing insurance and personal finance content
Insurance, lending, and retirement expert
Jacqueline has contributed content, and her personal finance passion, to dozens of noteworthy financial brands, including Credit Karma, Bankrate, and MagnifyMoney.
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Edited byDanny Smith
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Danny SmithInsurance Writer
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As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.
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Reviewed byMark Friedlander
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Mark FriedlanderSenior Director, Media Relations, Insurance Information Institute
Media relations director for Insurance Information Institute
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As Senior Director, Media Relations, for Insurance Information Institute, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
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Data reviewed byKonstantin Halachev
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Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
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Table of contents
Car insurance premiums can be a significant portion of your monthly budget, and residents of Jacksonville, Florida, know this all too well. On average, Jacksonville drivers spend less on full-coverage car insurance than other cities in Florida, with an average monthly quote of $206. However, this average is higher than the state average of $203 a month for full coverage.
Your location, down to your ZIP code, affects insurance pricing. Weather is a significant factor in Jacksonville’s car insurance rates. Located on Florida’s northeast coast, Jacksonville experiences severe weather year-round, including hurricanes and tropical storms. In addition to damaging vehicles, storms can lead to dangerous driving conditions.
By comparing car insurance rates from multiple companies, Jacksonville drivers can find the best and cheapest policy for their needs.
Quick Facts
Jacksonville’s average full-coverage car insurance costs are higher than the state average of $184 and the national average of $136.
Liability-only insurance in Jacksonville costs an average of $163 a month.
Florida has lower insurance requirements than almost any other state, which can contribute to higher premiums and more underinsured drivers.
Cheapest car insurance companies in Jacksonville
When searching for the ideal car insurance company in Jacksonville, it’s crucial to take into account your unique needs and circumstances. The cheapest car insurance company for you can differ depending on factors such as your driving record, the type of vehicle you own, and your preferred insurance coverage options.
Here are a few of the cheapest car insurance companies in Jacksonville and what sets them apart from the competition.
Insurance Company  | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | Full Coverage | Liability Only | Best For |
|---|---|---|---|---|
| State Farm | 9.3 | $170 | $120 | Drivers with a speeding ticket |
| GEICO | 9.2 | $213 | $150 | Seniors |
| Allstate | 8.9 | $362 | $255 | Drivers with an accident |
Disclaimer: Table data sourced from real-time Jacksonville car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Jacksonville may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for drivers with a speeding ticket: State Farm
| User Reviews | 4.1 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $108/mo |
4.1
Best choice in Jacksonville, FLBased on 15,424 verified driver reviews and ratings
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best in Jacksonville for
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best in Jacksonville for
Customer service
Competitive rates
Discounts for safe drivers
Showing 75 Florida reviews for Jacksonville drivers - See all 7,109 State Farm reviews
Brian
Verified Review
Better insurance at a reasonable price
Reviewed in Florida on February 24, 2026
Too expensive. I've been with them for 20 plus years and can't get a break.
Begona
Verified Review
State Farm plays with numbers!
Reviewed in Florida on February 23, 2026
State Farm raised my payment in May 2025 to $352.30, June $352.30, July $355.42, August $355.42, September $355.43, October $467.60, November $495.20, December $495.20, January $464.27, February $468.58. This should be illegal; no notice in the mail. They are just playing with numbers, and I’m over it. That’s how I feel! This is crazy! Can State Farm do this? Tips to my friends: stay away.
Gregory
Verified Review
Excellent
Reviewed in Florida on February 22, 2026
The people I have dealt with are excellent, but I think it's a little expensive though.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
657NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
State Farm offers liability, comprehensive, collision, medical payments coverages, and more to drivers in Jacksonville. State Farm goes the extra mile by also offering coverages like rental car insurance and roadside assistance.
Pros
No. 1 in J.D. Power’s customer satisfaction study in Florida
Plenty of add-on coverages available
Cons
Doesn’t offer gap insurance
Low average rating on Trustpilot
Best insurer for seniors: GEICO
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.2 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $162/mo |
4.0
Best choice in Jacksonville, FLBased on 15,685 verified driver reviews and ratings
How drivers feel about GEICO
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
AI-generated from the text of verified reviews collected by Insurify
Best in Jacksonville for
Teen drivers
Cheap rates
Accident forgiveness
How drivers feel about GEICO
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
AI-generated from the text of verified reviews collected by Insurify
Best in Jacksonville for
Teen drivers
Cheap rates
Accident forgiveness
Showing 75 Florida reviews for Jacksonville drivers - See all 7,372 GEICO reviews
David
Verified Review
My Review
Reviewed in Florida on February 25, 2026
No problems at all.
Nicole
Verified Review
Been with them 6 months and my policy went up instead of down
Reviewed in Florida on February 22, 2026
It's okay.
Alan
Verified Review
What You Would Like to Hear
Reviewed in Florida on February 21, 2026
Very, very hard to work through. We have an antique computer and cannot print PDF files, on and on. Your claim reps were very good. I asked them to send everything through the US mail, which they have so far. We had a very hard time with the safe drivers school as my computer system does not seem up to the needs. Anyway, got through it and hopefully y'all have received a copy. Been with you for 40 years, so we do think well of you.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
637NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.59A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
For senior drivers seeking reliable coverage, GEICO offers car insurance with affordable rates and personalized service, backed by 85 years of industry experience. It provides free quotes and offers car insurance savings through various discounts.
Pros
Highly rated mobile app
Can bundle policies and save
Cons
High rates for drivers with certain violations, like DUIs
No rideshare or new car replacement coverage
Best insurer for drivers with an accident: Allstate
| User Reviews | 3.8 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.9 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $188/mo |
3.8
A solid option in Jacksonville, FLBased on 9,212 verified driver reviews and ratings
How drivers feel about Allstate
Drivers appreciate the friendly customer service and efficient claims processing, but many find the rates too high and experience unexpected price increases. Some also report poor communication from agents.
AI-generated from the text of verified reviews collected by Insurify
Best in Jacksonville for
Accident forgiveness
Wide availability
Cheap rates
How drivers feel about Allstate
Drivers appreciate the friendly customer service and efficient claims processing, but many find the rates too high and experience unexpected price increases. Some also report poor communication from agents.
AI-generated from the text of verified reviews collected by Insurify
Best in Jacksonville for
Accident forgiveness
Wide availability
Cheap rates
Showing 75 Florida reviews for Jacksonville drivers - See all 4,239 Allstate reviews
Dan
Verified Review
Best Price
Reviewed in Florida on February 25, 2026
Best price.
Erica
Verified Review
Not great
Reviewed in Florida on February 16, 2026
They're okay. I was not successful in getting a better cost even though I've been with them for many years.
Linda
Verified Review
Poor
Reviewed in Florida on February 16, 2026
Allstate is more expensive than all others except AAA, which is higher.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
636NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.02A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A-Why we picked this company
If someone is dealing with high insurance premiums following an accident, they can find solace in Allstate car insurance. Allstate provides easy access to local agents and innovative tools like Drivewise, which helps safe drivers save money on their premiums.
Pros
Various discounts to save on premiums
Offers coverage for hybrids and classic cars
Cons
Higher average rates than other insurers
Poor Trustpilot ratings
How to get the cheapest car insurance in Jacksonville
When you’re on the hunt for affordable car insurance rates in Jacksonville, remember these useful tips:
Bundle your policies. Combine your car insurance with other policies, like renters insurance or homeowners insurance, to potentially qualify for multi-policy discounts. It may be more challenging to do this in Florida since few insurance companies offer both home and auto coverage in the state.
Seek out discounts. Inquire about available discounts, such as those for good driving, safety features, or good grades, if there’s a teenage driver in your household.
Drive responsibly. Prioritize safe driving practices to maintain a clean record. Follow traffic laws and avoid accidents and violations to keep premiums low.
Compare and save. Take the time to research different insurance companies and compare car insurance quotes from multiple insurers in Jacksonville, Florida. This is one of the best ways to find the most affordable rates for your driving profile.
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Cheapest liability-only car insurance in Jacksonville: State Farm
Liability coverage helps protect you when you’re responsible for causing damages or injuries to others in a car accident. However, it’s important to note that this type of insurance doesn’t provide coverage for your own medical expenses or repairs to your vehicle.
On average, Jacksonville drivers pay $163 per month for liability-only car insurance. Check out the following car insurance companies in Jacksonville that offer the most affordable liability-only policies.
The below rates in Jacksonville, FL, are estimated rates current as of: Wednesday, February 25 at 11:00 AM PST.
Data reviewed by Konstantin Halachev
Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $108 |
| Mile Auto | $131 |
| Progressive | $142 |
| GAINSCO | $146 |
| Direct Auto | $158 |
| Mercury | $161 |
| GEICO | $162 |
| The General | $175 |
| Bristol West | $179 |
| Infinity | $180 |
| National General | $184 |
| AssuranceAmerica | $186 |
| Allstate | $188 |
| Travelers | $224 |
| Root | $230 |
| Dairyland | $302 |
| Liberty Mutual | $330 |
Disclaimer: Table data sourced from real-time Jacksonville car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Jacksonville may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Jacksonville: State Farm
While liability-only car insurance safeguards you against the damages and injuries you cause to others, it doesn’t cover your own vehicle or medical expenses.
In contrast, full-coverage car insurance goes the extra mile by providing comprehensive and collision insurance, which gives you greater financial security. Full-coverage insurance is particularly advantageous for drivers with valuable vehicles, people in accident-prone or high-theft areas, or anyone seeking extensive coverage for personal and third-party damages.
Jacksonville drivers pay an average of $206 per month for full-coverage car insurance. Here are the cheapest full-coverage car insurance companies in Jacksonville.
The below rates in Jacksonville, FL, are estimated rates current as of: Wednesday, February 25 at 11:00 AM PST.
Data reviewed by Konstantin Halachev
Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $117 |
| Mile Auto | $171 |
| GEICO | $182 |
| Progressive | $186 |
| Mercury | $194 |
| Allstate | $204 |
| Direct Auto | $213 |
| National General | $214 |
| Travelers | $243 |
| Bristol West | $245 |
| The General | $260 |
| Infinity | $264 |
| GAINSCO | $273 |
| AssuranceAmerica | $297 |
| Root | $299 |
| Liberty Mutual | $331 |
| Dairyland | $495 |
Disclaimer: Table data sourced from real-time Jacksonville car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Jacksonville may vary based on the policy buyer's unique driver profile.
Cheapest recent rates near Jacksonville, Florida
Recent Jacksonville, Florida car insurance prices for BMW, Chevrolet, Toyota , and more.
*Quotes generated for Insurify users in and around Jacksonville, Florida within the last 10 days. Last updated on February 26, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from February 26, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Jacksonville, Florida within the last 10 days. Last updated on February 26, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from February 26, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in Florida
To comply with Florida’s legal requirements, drivers must provide proof of personal injury protection (PIP) and property damage liability insurance. PIP insurance offers coverage for 80% of medical expenses, up to $10,000, for covered injuries, regardless of fault.
Property damage liability insurance covers the costs of property damage you cause in an accident. It’s important to maintain continuous coverage, even if the vehicle isn’t in use, to ensure compliance with the law.
Here are Florida’s minimum car insurance requirements:[1]
Coverage | Minimum Requirements |
|---|---|
| Personal injury protection | $10,000 per accident |
| Property damage liability | $10,000 per accident |
Minimum car insurance requirements are just that — minimums. You can consider these additional coverages to enhance your auto insurance policy:
Collision coverage
This coverage protects your vehicle against damages resulting from collisions with other vehicles or objects such as trees, fences, and light poles, regardless of fault. Collision also covers rollover accidents, which can occur when a vehicle becomes unbalanced at high speeds.
Comprehensive coverage
With this coverage, you’ll be protected against theft and damages caused by incidents other than collisions. This includes fire, vandalism, falling objects, and weather hazards.
Gap coverage
If you’re financing or leasing a vehicle, gap coverage will bridge the gap between your auto loan balance and the insurance settlement in the event of a total loss.
Uninsured/underinsured motorist coverage
Florida has the sixth-highest percentage of uninsured drivers among U.S. states — 20.4%, according to the Insurance Research Council. By comparison, the national average for drivers with no insurance is 1 in 8. Uninsured/underinsured motorist coverage can help pay for your property damage and medical costs if you’re in an accident caused by a driver who has no insurance or who doesn’t have enough insurance to cover your costs.
Glass coverage
This type of coverage includes protection for windshield and glass damage. In Florida, these types of coverages have no deductibles.
)
How Much Car Insurance Do You Need?
Cheapest car insurance for drivers with an incident
Jacksonville drivers with a history of incidents like at-fault accidents, speeding tickets, driving under the influence (DUI), or other moving violations tend to pay higher insurance premiums, as they signal a greater probability of future claims. Because of this, finding affordable car insurance becomes an absolute necessity.[2]
Here are the cheapest companies for drivers in Jacksonville who have incidents on their records.
Shop for Car Insurance in Jacksonville, FL
Liability coverage starts at $129/mo. for drivers with moving violations
Excellent
4.7 out of 5 based on 12,168 reviews
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Cheapest car insurance for drivers with a speeding ticket: State Farm
Receiving a speeding ticket can have a significant effect on your car insurance rates. Insurance companies view speeding tickets as an indication of risky driving behavior, which increases the likelihood of future accidents and claims. As a result, your insurance premiums are likely to go up, even if you didn’t cause an accident.[2]
Jacksonville drivers with speeding tickets face average rates of $188 per month for liability-only coverage and $238 for full coverage. If you’re looking for the cheapest car insurance companies in Jacksonville for drivers with a speeding ticket on their record, the table below shows average monthly quotes for top companies.
The below rates in Jacksonville, FL, are estimated rates current as of: Wednesday, February 25 at 11:00 AM PST.
Data reviewed by Konstantin Halachev
Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Full Coverage | Liability Only |
|---|---|---|
| State Farm | $143 | $132 |
| Mile Auto | $201 | $154 |
| Progressive | $215 | $164 |
| GEICO | $229 | $204 |
| Allstate | $256 | $236 |
| Direct Auto | $256 | $190 |
| National General | $256 | $220 |
| Mercury | $261 | $217 |
| Bristol West | $296 | $216 |
| Travelers | $304 | $280 |
| GAINSCO | $312 | $167 |
| Infinity | $323 | $220 |
| The General | $335 | $225 |
| AssuranceAmerica | $363 | $228 |
| Root | $384 | $295 |
| Liberty Mutual | $405 | $404 |
| Dairyland | $592 | $361 |
Disclaimer: Table data sourced from real-time Jacksonville car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Jacksonville may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident: State Farm
Florida reported a 15% increase in car crashes in Duval County between 2020 and 2021.[3] Causing an accident can lead to a significant surge in your car insurance rates, as at-fault accidents signal a higher risk of future claims to insurers. Of course, it’s always best to avoid car accidents, and doing so helps keep you and other drivers safe and your insurance premiums low.[2]
An at-fault accident in Jacksonville can push insurance rates to $258 per month for full coverage. For Jacksonville drivers looking for the cheapest average car insurance quotes despite having an at-fault accident, the table below offers valuable insight into monthly rates.
The below rates in Jacksonville, FL, are estimated rates current as of: Wednesday, February 25 at 11:00 AM PST.
Data reviewed by Konstantin Halachev
Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Full Coverage | Liability Only |
|---|---|---|
| State Farm | $151 | $139 |
| Mile Auto | $225 | $172 |
| GEICO | $230 | $205 |
| Progressive | $233 | $178 |
| Allstate | $266 | $245 |
| National General | $277 | $238 |
| Direct Auto | $283 | $210 |
| Mercury | $286 | $237 |
| Bristol West | $314 | $229 |
| Travelers | $318 | $293 |
| Infinity | $333 | $227 |
| GAINSCO | $340 | $182 |
| The General | $349 | $235 |
| AssuranceAmerica | $385 | $241 |
| Root | $389 | $299 |
| Liberty Mutual | $429 | $428 |
| Dairyland | $636 | $388 |
Disclaimer: Table data sourced from real-time Jacksonville car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Jacksonville may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DUI: State Farm
A DUI conviction can greatly increase your car insurance rates. Insurance companies consider DUIs to be a significant risk factor, indicating a higher likelihood of accidents and claims. As a result, your insurance premiums are likely to skyrocket after a DUI, and the state will require you to have an insurer file an FR-44 certificate of financial responsibility with the motor vehicle department. The form confirms you have coverage that meets the state’s minimum liability requirements.[2]
It’s crucial to prioritize responsible and sober driving to maintain a clean driving record. In Florida, a DUI conviction remains on your record for 75 years and can’t be expunged.
Jacksonville drivers with DUI convictions pay a monthly average of $292 for full-coverage car insurance and $231 for liability-only coverage. If you’re searching for the cheapest average car insurance quotes for drivers with a DUI in Jacksonville, refer to the table below.
The below rates in Jacksonville, FL, are estimated rates current as of: Wednesday, February 25 at 11:00 AM PST.
Data reviewed by Konstantin Halachev
Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Full Coverage | Liability Only |
|---|---|---|
| State Farm | $169 | $156 |
| Mile Auto | $246 | $189 |
| GEICO | $261 | $232 |
| Progressive | $264 | $201 |
| Mercury | $293 | $243 |
| Allstate | $294 | $271 |
| Direct Auto | $307 | $228 |
| National General | $308 | $265 |
| Travelers | $350 | $323 |
| Bristol West | $353 | $258 |
| The General | $375 | $252 |
| Infinity | $380 | $259 |
| GAINSCO | $393 | $210 |
| AssuranceAmerica | $428 | $268 |
| Root | $435 | $335 |
| Liberty Mutual | $477 | $476 |
| Dairyland | $713 | $435 |
Disclaimer: Table data sourced from real-time Jacksonville car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Jacksonville may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for seniors: State Farm
Your age is a major factor insurers consider when setting premiums. As drivers gain experience and reach their mid-30s, rates tend to decrease. However, around the age of 70, premiums may increase slightly due to factors such as potential health issues and higher accident risks.[2]
Senior car insurance in Jacksonville costs $146 per month for liability coverage and $185 for full coverage, on average.
Here are the lowest average quotes for senior drivers in Jacksonville, Florida.
The below rates in Jacksonville, FL, are estimated rates current as of: Wednesday, February 25 at 11:00 AM PST.
Data reviewed by Konstantin Halachev
Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Full Coverage | Liability Only |
|---|---|---|
| State Farm | $93 | $85 |
| Mile Auto | $147 | $113 |
| GEICO | $150 | $134 |
| Mercury | $168 | $139 |
| Allstate | $170 | $157 |
| Progressive | $175 | $134 |
| National General | $180 | $154 |
| Direct Auto | $183 | $136 |
| Travelers | $206 | $190 |
| Bristol West | $216 | $157 |
| The General | $232 | $156 |
| Infinity | $241 | $164 |
| GAINSCO | $256 | $137 |
| AssuranceAmerica | $262 | $164 |
| Root | $262 | $201 |
| Liberty Mutual | $286 | $285 |
| Dairyland | $471 | $288 |
Disclaimer: Table data sourced from real-time Jacksonville car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Jacksonville may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens: State Farm
Teenagers and young adults often face significantly higher car insurance rates than older drivers due to their limited experience and higher risk profiles.[2] As a teenager, one effective approach to finding affordable car insurance is to stay on a parent’s insurance policy, as it typically results in more favorable rates. You also won’t be able to buy your own policy if you’re younger than 18 unless you get the written consent of a parent or guardian.
Moreover, selecting a safe and reliable vehicle equipped with excellent safety features and maintaining good grades to qualify for good student discounts can further contribute to obtaining affordable insurance.
Car insurance for teenagers costs an average of $356 for full coverage in Jacksonville and $282 for liability only.
To explore some of the lowest average car insurance quotes available for teens in Jacksonville, refer to the table below.
The below rates in Jacksonville, FL, are estimated rates current as of: Wednesday, February 25 at 11:00 AM PST.
Data reviewed by Konstantin Halachev
Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Full Coverage | Liability Only |
|---|---|---|
| State Farm | $222 | $205 |
| Progressive | $322 | $246 |
| Mile Auto | $345 | $264 |
| Mercury | $351 | $291 |
| Allstate | $395 | $364 |
| Direct Auto | $402 | $298 |
| National General | $424 | $365 |
| Bristol West | $427 | $312 |
| The General | $445 | $299 |
| Infinity | $480 | $327 |
| GAINSCO | $488 | $261 |
| Travelers | $494 | $455 |
| Root | $504 | $388 |
| Liberty Mutual | $569 | $567 |
| AssuranceAmerica | $604 | $378 |
| Dairyland | $817 | $499 |
Disclaimer: Table data sourced from real-time Jacksonville car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Jacksonville may vary based on the policy buyer's unique driver profile.
Jacksonville car insurance quotes by credit tier
While Florida insurers can use your credit history to generate a credit-based insurance score when setting insurance rates, that can’t be the sole determinant for premiums.[4] Excellent or good credit can result in lower premiums for Jacksonville drivers, as it’s perceived as lower-risk. Conversely, poor credit may lead to higher premiums, as it suggests higher risk.
For average monthly quotes in Jacksonville based on credit scores, refer to the chart below.
Rates by Credit Tier
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Is car insurance more expensive in Jacksonville?
The average cost of car insurance in the United States is $173 per month for full coverage. However, Jacksonville residents face a surprisingly high average monthly premium of $206 for the same level of coverage.
Keep in mind that car insurance rates can vary greatly based on factors such as weather conditions, crime rates, and traffic volume within a city and its ZIP codes.[2] Compared to Jacksonville, drivers in Fort Myers generally have lower monthly premiums ($382), whereas Miami drivers tend to have higher rates ($509).
More cities in Florida
Mariano Demarin, president of Home Port Insurance Group in Florida, explains that car insurance rates can vary significantly by location in the Sunshine State due to several factors, an example of which would be the population density of the city.
“Cities with higher population densities often experience more traffic congestion and a higher risk of accidents, leading to increased insurance rates,” says Demarin. “Additionally, some cities may have higher rates of auto theft or vandalism, which can also impact insurance premiums. The availability of repair shops and medical facilities in a city can affect costs as well.”
Demarin shares that, ultimately, insurance companies analyze historical data and claims statistics specific to each city to determine the level of risk associated with insuring vehicles in that area, resulting in varying car insurance rates across different locations in Florida.
Jacksonville typically has more expensive car insurance rates than many other cities in the state of Florida. For example, cities like Miami have higher rates of reckless driving and often experience even higher average car insurance costs than Jacksonville.
The following table breaks down average insurance quotes across different Florida cities and compares them to Jacksonville.
City | Average Quote: Full Coverage | Average Quote: Liability Only |
|---|---|---|
| Fort Lauderdale | $222 | $186 |
| Fort Myers | $194 | $146 |
| Jacksonville | $206 | $163 |
| Lakeland | $203 | $156 |
| Ocala | $189 | $163 |
| Orlando | $229 | $182 |
| Pompano Beach | $226 | $176 |
| Tampa | $262 | $205 |
Disclaimer: Table data is based on real-time Jacksonville quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
Jacksonville car insurance FAQs
Check out the average cost of car insurance in Florida to understand how premiums vary in the state based on different factors. Here are the answers to frequently asked questions about car insurance in Jacksonville.
How much is car insurance in Jacksonville?
The average cost of car insurance in Jacksonville is $163 a month for liability-only coverage and $206 for full coverage.
Which company has the cheapest car insurance rates in Jacksonville?
Most Jacksonville drivers, from teens to seniors, and people with a clean record or driving violations, will find the cheapest rates from State Farm. The insurer’s liability-only rates start at $108 per month. Mile Auto and Progressive are the second- and third-cheapest insurers in Jacksonville, with monthly liability rates of $131 and $142, respectively.
What are the best car insurance companies in Jacksonville?
Some of the best car insurance companies in Jacksonville include Allstate, GEICO, and State Farm. These insurers have high Insurify Quality Scores, lower-than-average rates, and strong J.D. Power customer satisfaction ratings in the Florida region. While Insurify identified these companies as the best, drivers should always compare quotes from multiple companies to find the best coverage for the best price that fits their needs.
How much is car insurance in Jacksonville for teenagers?
Teenagers typically have higher car insurance rates than any other age group. In Jacksonville, car insurance for teens averages $282 per month for liability-only coverage and $356 for full coverage.
What factors affect the cost of car insurance in Jacksonville?
Factors like age, vehicle, ZIP code, traffic congestion, severe weather, vehicle thefts, and accident rates affect the cost of car insurance in Jacksonville.[2] The city is on Florida’s northeast coast and is susceptible to severe weather events year-round, which increases the risk of property damage and traffic accident claims and, in turn, increases car insurance rates.
Methodology
Insurify data scientists analyzed more than 190 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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Sources
- Florida Department of Highway Safety and Motor Vehicles. "Florida Insurance Requirements."
- III. "Do auto insurance premiums go up after a claim?."
- Florida Department of Highway Safety and Motor Vehicles. "Traffic Crash Facts Annual Report 2021."
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Jacqueline DeMarcoFreelance Insurance Writer
13+ years writing insurance and personal finance content
Insurance, lending, and retirement expert
Jacqueline has contributed content, and her personal finance passion, to dozens of noteworthy financial brands, including Credit Karma, Bankrate, and MagnifyMoney.
Featured in
Jacqueline has contributed content, and her personal finance passion, to dozens of noteworthy financial brands, including Credit Karma, Bankrate, and MagnifyMoney.
Danny SmithInsurance Writer
Licensed auto and home insurance agent
4+ years in content creation and marketing
As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.
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Mark FriedlanderSenior Director, Media Relations, Insurance Information Institute
Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
As Senior Director, Media Relations, for Insurance Information Institute, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.