120+ more*Quotes generated for Insurify users in and around Jacksonville, Florida within the last 10 days. Last updated on October 7, 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 October 7, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
){kind=small}
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
){kind=small}
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
MacKenzie Korris is an insurance copy editor with a producer’s license for property and casualty insurance in Missouri.
){kind=small}
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.
){kind=small}
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.
Updated
Car insurance in Jacksonville runs a bit higher than the Florida average, with drivers paying an average of $148 per month for state-minimum coverage and $225 per month for full coverage.
Jacksonville drivers pay less than Tampa drivers, who pay an average of $238 per month. Rates in Gainesville average $157 per month. That’s why drivers should shop around to find the best rates in Florida.
Jacksonville’s car insurance rates are higher than the state average, partly due to its coastal location. Hurricane risk, including storm surge and flooding along the St. Johns River, can push rates higher.[1] Still, the city’s 24-minute average commute is shorter than Florida’s 28-minute average.[2]
State Farm is the cheapest insurer in Jacksonville for liability-only coverage, at $81 per month. That’s significantly less than the city average of $187 per month and more affordable than for full-coverage policies.
Florida’s minimum auto insurance requirements are fairly low compared to those of other states. Drivers must carry at least $10,000 in personal injury protection (PIP) and $10,000 in property damage liability (PDL).[3] Unlike most states, bodily injury liability is optional in Florida.
The table below shows the cheapest rates for liability-only car insurance in Jacksonville.
)
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| State Farm | $81 |
| Clearcover | $88 |
| GEICO | $92 |
| Progressive | $92 |
| Mile Auto | $96 |
| Embark | $108 |
| Direct Auto | $122 |
| GAINSCO | $122 |
| Dairyland | $123 |
| Allstate | $124 |
| Mercury | $130 |
| The General | $130 |
| AssuranceAmerica | $135 |
| Bristol West | $138 |
| Insurify Car | $142 |
| National General | $151 |
| Travelers | $166 |
| Root | $171 |
| Hugo | $203 |
| First Acceptance | $213 |
| Liberty Mutual | $229 |
| Mendota | $230 |
State Farm offers the cheapest rates in Jacksonville for full-coverage car insurance, at $127 per month. Full coverage typically includes liability, collision coverage, and comprehensive coverage, which is why it costs more than the state minimum.
At $225 per month, Jacksonville drivers pay less for full coverage than drivers in Tampa and Orlando, at $279 per month and $246 per month, respectively.
Hurricane flooding along the St. Johns River is a real risk for Jacksonville drivers, and only comprehensive coverage pays for that kind of damage — along with theft and vandalism.
Check out the table below to compare the cheapest full-coverage rates for Jacksonville drivers.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote: Full Coverage |
|---|---|
| State Farm | $127 |
| Progressive | $143 |
| Allstate | $176 |
| Mile Auto | $176 |
| Mercury | $185 |
| GEICO | $190 |
| National General | $190 |
| Direct Auto | $196 |
| Bristol West | $207 |
| Clearcover | $217 |
| AssuranceAmerica | $240 |
| The General | $249 |
| Embark | $259 |
| Travelers | $262 |
| GAINSCO | $279 |
| Liberty Mutual | $298 |
| Root | $299 |
| Dairyland | $317 |
| First Acceptance | $317 |
| Mendota | $352 |
Venice drivers pay the lowest auto insurance rates, while drivers in Miami Gardens pay the highest rates. Drivers in Jacksonville pay $187 per month, on average — more than the statewide average.
Rates in nearby Daytona Beach are slightly more expensive, but Jacksonville remains a relative bargain compared to Tampa, one of the state’s priciest cities for car insurance, at $238 per month.
Flooding risk contributes to the difference in rates. Jacksonville gets hit from three directions: exposure from the coast, heavy inland rainfall, and the St. Johns River, whose tributaries overflow into low-lying neighborhoods during the rainy season. Flooded vehicles can lead to comprehensive claims, which can raise premiums for everyone.
See how Jacksonville’s average rate stacks up against other Florida cities below.
7+ years experience in data analysis
Ph.D. in Computational Biology
City | Average Monthly Quote |
|---|---|
| Venice | $100 |
| Milton | $103 |
| Vero Beach | $104 |
| Panama City | $118 |
| North Port | $120 |
| Punta Gorda | $120 |
| Port Orange | $121 |
| Saint Augustine | $121 |
| Gainesville | $122 |
| Eustis | $123 |
| Jupiter | $125 |
| Palm Coast | $125 |
| Tallahassee | $128 |
| Melbourne | $129 |
| Naples | $129 |
| Sarasota | $130 |
| Pensacola | $131 |
| Coral Springs | $132 |
| Palm Bay | $132 |
| Cocoa | $134 |
| Ocala | $134 |
| The Villages | $134 |
| Winter Haven | $135 |
| Bradenton | $136 |
| Daytona Beach | $136 |
| Plant City | $136 |
| Clearwater | $137 |
| Lakeland | $137 |
| Largo | $138 |
| Saint Cloud | $138 |
| Oviedo | $139 |
| Clermont | $141 |
| Orange Park | $141 |
| Cape Coral | $142 |
| Winter Springs | $142 |
| Sanford | $143 |
| Fort Myers | $145 |
| Davenport | $147 |
| Port Saint Lucie | $147 |
| Saint Petersburg | $149 |
| Pinellas Park | $150 |
| Spring Hill | $150 |
| Apopka | $154 |
| New Port Richey | $155 |
| Wesley Chapel | $155 |
| Altamonte Springs | $156 |
| Palm Harbor | $157 |
| Deltona | $162 |
| Wellington | $163 |
| Kissimmee | $169 |
| Holiday | $170 |
| Orlando | $170 |
| Palm Beach Gardens | $170 |
| Riverview | $172 |
| Boca Raton | $175 |
| Brandon | $176 |
| Homestead | $181 |
| Miami Beach | $181 |
| Fort Lauderdale | $183 |
| North Miami Beach | $185 |
| Hollywood | $188 |
| West Palm Beach | $191 |
| Deerfield Beach | $192 |
| Pompano Beach | $195 |
| Tampa | $197 |
| Miami | $203 |
| Delray Beach | $204 |
| Hialeah | $207 |
| Lake Worth | $211 |
| Miami Gardens | $211 |
| Boynton Beach | $227 |
Insurify Car makes it affordable and easy to get same-day liability coverage
Several factors explain why Jacksonville’s insurance costs are higher than the Florida average and other cities in the state.
Jacksonville drivers have more tickets and at-fault accidents than the state average. The Jacksonville metro also ranks No. 47 nationally by theft volume, with 1,240 stolen vehicles in the first half of 2025, according to Insurify data. And during hurricane season, flooding can lead to a surge in comprehensive claims.
Stacking car insurance discounts can help Jacksonville drivers offset these costs. Safe driver discounts, bundling your auto policy and homeowners policies, and signing up for paperless billing are common ways to save.
*Quotes generated for Insurify users in and around Jacksonville, Florida within the last 10 days. Last updated on October 7, 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 October 7, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance premiums for Jacksonville drivers with a clean driving history average $187 per month. A driving under the influence (DUI) conviction classifies you as a high-risk driver, causing rates to climb to $240 per month. It’s a noticeable gap that makes shopping for quotes worth the effort.
Here are the cheapest insurance quotes in Jacksonville based on driving history.
Cheapest car insurance for Jacksonville drivers with a clean driving record: State Farm
Cheapest car insurance for drivers with a speeding ticket in Jacksonville: State Farm
Cheapest car insurance for Jacksonville drivers with an at-fault accident: State Farm
Cheapest car insurance for drivers with a DUI in Jacksonville: State Farm
About 4.68% of Jacksonville drivers have a speeding ticket — roughly 1.5% percentage points higher than the Florida state average. Jacksonville drivers have a 4.78% at-fault accident rate, and 0.78% have a DUI, according to Insurify data.
Florida is a no-fault state, which means drivers file claims with their own insurer after a crash, regardless of who caused the accident. That means any incident can lead to higher premiums at renewal for Jacksonville drivers.
Check out the table below to see average monthly quotes for different driving records in Jacksonville.
Driving Record | Average Monthly Quote |
|---|---|
| Clean driving record | $187 |
| Speeding ticket | $216 |
| At-fault accident | $236 |
| DUI | $240 |
Jacksonville drivers rely heavily on three interstates: I-95 runs through downtown, I-10 ends at the I-95 interchange just northwest of downtown, and I-295 loops the metro as the Beltway.
Multiple bridges across the St. Johns River — including the Acosta, Buckman, Dames Point, Fuller Warren, Hart, Main Street, and Mathews bridges — funnel traffic between neighborhoods. Any one of them can become a chokepoint after a crash or closure.
A high share of uninsured drivers is another thing to consider. In Duval County, 7.15% of drivers don’t have car insurance, compared to 5.58% statewide, according to Florida Department of Highway Safety data.
This means Jacksonville drivers are more likely than the average Floridian to share the road with someone whose insurance policy won’t cover damage after a crash. You may want to consider adding uninsured motorist coverage, even though Florida doesn’t require it.
With an average commute of about 24 minutes, Jacksonville drivers spend less time in traffic than most U.S. workers. Congestion at the Interstate 95/I-10 interchange, the I-295 Beltway, and across the area’s bridges can still cause plenty of fender benders that can push rates up across Duval County.
Florida authorized school-zone speed cameras in 2023.[4]They’re still rare in Duval County, but nearby Neptune Beach has installed them to monitor speeding during school hours.[5] Even where those cameras are in place, tickets don’t come with license points, so they don’t affect insurance rates.
Teen drivers were involved in approximately 4,600 crashes in Duval County in 2023, a significant share of the city’s total crashes.[6] In Florida, 16-year-olds can’t drive between 11 p.m. and 6 a.m., and they must have a learner’s permit for a full year before they can get a license.
Insurers consider teens high risk and charge more for coverage. The average cost of insurance for teen drivers in Jacksonville is $244 per month for liability coverage and $371 per month for full coverage.
The cheapest rates for teen drivers in Jacksonville are in the table below.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| Clearcover | $135 |
| State Farm | $149 |
| Progressive | $152 |
| GEICO | $158 |
| Embark | $178 |
| Mile Auto | $188 |
| Dairyland | $201 |
| GAINSCO | $202 |
| Allstate | $205 |
| The General | $222 |
| Mercury | $224 |
| Direct Auto | $226 |
| Bristol West | $231 |
| Insurify Car | $234 |
| Root | $242 |
| AssuranceAmerica | $265 |
| National General | $284 |
| Travelers | $327 |
| Hugo | $335 |
| First Acceptance | $351 |
| Liberty Mutual | $379 |
| Mendota | $379 |
Check quotes from 120+ top insurance companies
Jacksonville has fewer older residents than Florida as a whole — about 15% of its residents are aged 65 and older, compared to roughly 22% statewide. Duval County drivers aged 55 and older may qualify for a 10% discount after completing a state-approved mature driver course, which can help reduce costs.[7]
State Farm and Clearcover offer the cheapest rates for senior drivers in Jacksonville.
The table below lists the cheapest auto insurance rates for senior drivers in Jacksonville.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| State Farm | $65 |
| GEICO | $75 |
| Mile Auto | $77 |
| Clearcover | $79 |
| Progressive | $83 |
| Embark | $97 |
| Direct Auto | $102 |
| Mercury | $104 |
| Dairyland | $106 |
| GAINSCO | $107 |
| AssuranceAmerica | $108 |
| Allstate | $112 |
| The General | $113 |
| Bristol West | $117 |
| National General | $121 |
| Insurify Car | $128 |
| Travelers | $136 |
| Root | $161 |
| Hugo | $183 |
| First Acceptance | $192 |
| Liberty Mutual | $194 |
| Mendota | $207 |
Here are quick answers to the questions Jacksonville drivers most commonly ask about car insurance.
Jacksonville’s average cost of car insurance is $187 per month. Liability coverage averages $148 per month, while drivers pay an average of $225 per month for full coverage, according to Insurify data.
State Farm has the cheapest car insurance in Jacksonville, at $81 per month for liability insurance, according to Insurify data.
State Farm, GEICO, and Allstate are among the best car insurance companies for Florida drivers. But the right company for you depends on your needs and budget. That said, State Farm, Clearcover, and Progressive consistently offer some of the cheapest quotes for Jacksonville drivers across different profiles, according to Insurify data.
Florida’s no-fault system, hurricane risk, and flooding along the St. Johns River all contribute to higher insurance costs in Jacksonville. The city’s high rates of speeding tickets and at-fault accidents, along with a high number of uninsured drivers, also influence premiums.
You can find the cheapest car insurance in Jacksonville by comparing quotes from multiple insurers, since rates can vary by neighborhood. Drivers with a clean record and good credit history qualify for more competitive rates, and raising your deductible can lower your monthly premium.
Insurify data scientists analyzed more than 250 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:
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
MacKenzie Korris is an insurance copy editor with a producer’s license for property and casualty insurance in Missouri.
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.
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.
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
