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Cheap Auto Insurance Quotes in Jacksonville, FL (May 2022)

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Tanveen Vohra

By: Tanveen Vohra

Edited by Olivia Oksenhorn | Reviewed by licensed insurance agent, Amber Benka

Last Updated February 4, 2022

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According to a popular driving app, Jacksonville is the second-worst city to drive in across the entire nation! While major metropolitan areas like New York City or Los Angeles might seem stressful to navigate, Jacksonville is regularly subject to road closures, traffic at all hours, and tolls that can slow down those who aren’t familiar with them. When driving in this part of Florida is so stressful, the last thing you need is to worry about car insurance. It’s crucial for residents here to enroll in robust auto coverage because an accident can happen at a moment’s notice.

Quick Facts

  • The average cost of car insurance in Jacksonville is $268 per month, or $3216 annually.
  • Car insurance in Jacksonville is $21 more than the average cost of car insurance in Florida.
  • The cheapest car insurance provider in Jacksonville on average is AssuranceAmericaEconomy, but you should always compare quotes to find your best personal rate.

Car Insurance in Jacksonville, FL

The average cost of Florida car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Jacksonville, FL to find you the cheapest quotes in the area.

Quotes by Top Companies

Progressive
$101
State Farm
$204
Direct Auto
$217
Liberty Mutual
$226
Travelers
$227

Cheapest Car Insurance in Jacksonville, FL

The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!
Insurance Provider in JacksonvilleQuotes
Progressive$101 /mo
State Farm$204 /mo
Direct Auto$217 /mo
Liberty Mutual$226 /mo
Travelers$227 /mo

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Best Car Insurance in Jacksonville, FL

The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated company reviews. The following are the top rated companies that offer car insurance in Jacksonville. For the complete list, see Insurify's best car insurance companies.
Best CompaniesScoreQuotes
American Family89$338 /mo
Safeco86$250 /mo
Liberty Mutual82$315 /mo
Mercury81$324 /mo
Travelers80$267 /mo

Average Car Insurance Cost

Florida Cities
Miami$455/mo
Tampa$482/mo
Orlando$234/mo
Hialeah$534/mo
Jacksonville$210/mo
Florida$383/mo
Jacksonville
$210
Orlando
$234
Average for FL
$383
Miami
$455
Tampa
$482
Hialeah
$534
Click here to learn about car insurance quotes and save on your current policy.

Minimum Car Insurance Requirements in FL

All motor vehicles operated or parked on Florida roadways are required to be insured. Proof of insurance must be carried in your car at all times and must available when:

  • Requested by law enforcement
  • Renewing vehicle registration
  • The vehicle is involved in a car accident

The Minimum Liability Insurance Requirements for Private Passenger Vehicles are as follows:

  • $10,000 no-fault or personal injury protection (PIP) insurance

Personal injury protection coverage protects drivers if their car is involved in an accident that harms another individual. The minimum limits required by Florida state is $10,000. In the case of an accident, liability coverage can aid perpetrators with costs involved in a legal proceeding as a result of a crash. Bodily injury coverage is part of the minimum coverage required by Florida law. Note that while PIP is required in Florida, bodily injury liability is not required by Florida law unless the person has been involved in an at-fault accident or committed certain violations, such as a DUI.

  • $10,000 property damage liability (PDL) insurance

The state minimum amount of property damage liability coverag  required in the state of Florida is $10,000. If an insured driver is determined to be at fault and held liable in a motor vehicle accident, this coverage pays for damage repair to another individual’s property. Property damage coverage will also pay for legal costs if an insured driver is involved in a lawsuit following an accident, up to the declared coverage limit.

Jacksonville Car Insurance Rates by Driver Age

Insurance companies in Jacksonville know that as people age, not only do they tend to get wiser, but they’re also likely to be better drivers and less expensive to cover. People aged 60 above get to enjoy the lowest rates of all motorists, while those who are under the age of 20 pay the highest premiums at $559. Those who are over 20 enjoy savings of about $220 and will continue to pay lower and lower premiums as they get older.

Driver's AgeAvg. Monthly Cost
teens$560
20s$333
30s$289
40s$313
50s$279
60s$238
70s$240
80s$247

Jacksonville Car Insurance Rates by Driving and Accident History

Safety on the road is key in Jacksonville, as your insurance premiums can soar after adding an accident or violation to your driving history. Drivers with a clean record pay around $283 for coverage and can expect to pay about $60 more a month after receiving a speeding ticket. An at-fault accident raises rates even higher to $353, and if you fail to stop at an intersection, get ready to have your premiums rise to an average of $375.

Driving HistoryAvg. Monthly Cost
No Violation$284
Speeding Ticket$344
At-Fault Accident$354
Failure to Stop for Red Light / Stop Sign$376

Jacksonville Car Insurance Rates by Credit Tier

Jacksonville residents will find that their credit score doesn’t play a huge role in their car insurance premiums, although there can be some cost savings for those with the best credit possible. Drivers with poor credit are typically charged $315, while those with average and good scores pay $304 and $302, respectively. At $247, the rates are the best in the area for motorists with excellent credit.

Credit TierAvg. Monthly Cost
Excellent$248
Good$303
Average$305
Poor$316

Find local Jacksonville agents

  • J P Perry Insurance Agency

    3342 Kori Rd,
    Jacksonville, FL 32257
  • The Della Porta Group, Inc.

    7807 Baymeadows Rd East Ste 301,
    Jacksonville, FL 32256
  • H R Insurance Services, LLC

    5640-2 Timuquana Rd,
    Jacksonville, FL 32210
  • Affordable Insurance Agency LLC

    9140 Golfside Dr,
    Jacksonville, FL 32256
  • Riley Insurance Services, Inc.

    825 Edgewood Avenue West,
    Jacksonville, FL 32208
  • Cecil W Powell & Co

    219 N. Newnan St,
    Jacksonville, FL 32202
  • All Lines Insurance Agency Inc.

    4828 Blanding Blvd,
    Ste 1, Jacksonville, FL 32210
  • Insure-All Insurance Agency

    1840 University Blvd S,
    Jacksonville, FL 32216
  • Bright Solutions Insurance LLC

    4110 Southpoint Blvd Ste 103,
    Jacksonville, FL 32216
  • Greene Hazel Insurance Group, a Division of HUB International Florida

    10739 Deerwood Park Blvd Ste 200,
    Jacksonville, FL 32256
View more

Jacksonville, FL DMV Information

Once a small town, Jacksonville is now home to nearly one million people. Thankfully, drivers have seven DMV offices to choose from when they need to renew their registration, licenses, and more. All locations are open Monday through Friday from 8:30 a.m. to 4:30 p.m., with a nearby location in Neptune Beach.

Public Transportation in Jacksonville, FL

Those looking to explore Jacksonville while on vacation, along with residents who prefer to go without a vehicle, will find no shortage of transportation options. Walking and biking are popular in the downtown area, while busses and shuttles can take you just about anywhere you need to go. If you live near the beach, take advantage of a Beach Buggy, a free electric cart service designed for short trips. A river ferry is also available, as well as rideshare options like Uber and Lyft.

How to get the best and cheapest car insurance in Jacksonville, FL

Before you hit the road in Jacksonville, it’s important to make sure you have plenty of time to get to your destination and have a plan for your route. Due to the regularly changing road conditions in the area, many residents rely on GPS apps to ensure they stay safe on the road.

Driving in this part of Florida doesn’t have to be stressful, however, if you have great car insurance. If you’re looking for a new policy or simply want to see how your coverage compares, head over to Insurify. You just might find a better level of coverage for less than you’re paying now.

FAQs - Jacksonville, FL Car Insurance

  • While rates tend to be lower than the rest of the state, Jacksonville drivers find that they do pay more than the national average. This is partially due to the minimum coverage requirements set forth by the state.
  • It’s illegal to drive anywhere in Florida without auto coverage, and Jacksonville is particularly strict. Your first offense will result in the suspension of your license and registration for up to three years.
  • In addition to national insurance carriers, Jacksonville has a plethora of local auto insurance agents you can work with. It’s best to compare prices before you enroll in any policy, and with Insurify, you can find real-time quotes in just a matter of minutes.

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Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.

Insurify Insights

How Jacksonville Drivers Measure Up

While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Jacksonville, Florida below:

Methodology

Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Jacksonville drivers measure up to their fellow motorists across Florida in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.

toyota

Toyota Camry

Most Popular Car in Jacksonville

#13

City with the Most Speeding Tickets Rank in Florida

#31

City with the Most Moving Violations Rank in Florida

#60

City with the Most DUIs Rank in Florida

#19

City with the Most Suspended Licenses in Florida

  • While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Jacksonville drivers rank 28 in the number of car accidents per driver across all cities in Florida.

    • Rank within state: #28
    • Percent of drivers in Jacksonville with an accident: 11.06%
    • Drivers in Jacksonville, FL with an accident in their driving history pay on average 33.73% more than drivers with a clean record
  • Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Florida, Jacksonville drivers rank 13 in the number of speeding infractions per driver.

    • Rank within state: #13
    • Percent of drivers in Jacksonville with a speeding ticket: 10.91%
    • Drivers in Jacksonville, FL with a speeding ticket in their driving history pay on average 28.11% more than drivers with a clean record
  • While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Jacksonville drivers rank 60 in the number of DUI’s per driver across all cities in Florida.

    • Rank within state: #60
    • Percent of drivers in Jacksonville with a DUI: 0.94%
    • Drivers in Jacksonville, FL with a DUI in their driving history pay on average 26.1% more than drivers with a clean record
  • Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Jacksonville is the Toyota Camry.

  • The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in Florida, Jacksonville drivers rank 46 in rude driving infractions.

    • Rank within state: #46
    • Percent of drivers in Jacksonville with a reckless driving violation: 2.14%
    • Drivers in Jacksonville, FL with a reckless driving violation in their driving history pay on average 28.92% more than drivers with a clean record.
  • Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Jacksonville drivers rank 85 in clean driving records across all cities in Florida.

    • Rank within state: #85
    • Percent of drivers in Jacksonville with clean record: 79.98%
  • Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Jacksonville drivers rank 22 in failure to yield violations per driver across all cities in Florida.

    • Rank within state: #22
    • Percent of drivers in Jacksonville with a failure to yield violation: 0.59%
    • Drivers in Jacksonville, FL with a failure to yield violation in their driving history pay on average 5000% more than drivers with a clean record
  • Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in Florida, Jacksonville drivers rank 50 in the number of reckless driving offenses per driver.

    • Rank within state: #50
    • Percent of drivers in Jacksonville with a reckless driving offense: 0.12%
  • As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Jacksonville drivers rank 101 in hybrid and electric vehicle ownership across all cities in Florida.

    • Rank within state: #101
    • Percent of drivers in Jacksonville with a hybrid/electric vehicle: 0.72%
Insurify Insights

Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.

Tanveen Vohra
Tanveen Vohra

Content Manager at Insurify

Tanveen Vohra is a content manager at Insurify specializing in writing property and casualty insurance content. Through her content, Tanveen helps consumers better understand the components of their insurance policies so they can make smarter purchase decisions. Tanveen's work has been cited by CNBC, Fox Business, Business Insider, Fortune, and Market Watch, among others

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