Cheapest Auto Insurance in Jacksonville, Florida (2025)

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 $225. However, this average is higher than the state average of $221 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.

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	$226	$150	Drivers with a speeding ticket
GEICO	9.2	$314	$254	Seniors
Allstate	8.9	$481	$318	Drivers with an accident

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

• How Insurify rates insurance companies

  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

Drivers with a Speeding Ticket

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User Reviews	4.1 6,044 reviews
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.	$79/mo

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Driver Reviews

4.1

Best choiceBased on 11,271 verified guest 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 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 For

Customer service

Competitive rates

Discounts for safe drivers

Reviews (6,044)

Mina

July 3, 2025

Verified Review

Change isn't easy.

I've been with the company for many years, but now there is new management changing things.

Duane

July 1, 2025

Verified Review

40+ years says it all!

State Farm has always met my expectations for the 40+ years of service.

Krystal

July 1, 2025

Verified Review

Good

State Farm was my best insurance company, but I couldn't pay my bill because it was too high.

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

657

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.84

A.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

seniors

Compare Quotes

User Reviews	4.0 6,433 reviews
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.	$135/mo

Show Details

Driver Reviews

4.0

Best choiceBased on 11,997 verified guest 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 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 For

Teen drivers

Cheap rates

Accident forgiveness

Reviews (6,433)

Melissa R

July 4, 2025

Verified Review

Meh

Be prepared for your monthly price to increase every time at renewal.

Rosemary

July 2, 2025

Verified Review

Geico is the worst!

Geico is the worst insurance company ever. They increased my rate over 100 percent with no tickets or claims.

Deejane

June 30, 2025

Verified Review

Geico Forever

All good for over 50 years.

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

637

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.59

A.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

drivers with an accident

Compare Quotes

User Reviews	3.9 3,653 reviews
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.	$137/mo

Show Details

Driver Reviews

3.9

A solid optionBased on 6,859 verified guest 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 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 For

Accident forgiveness

Wide availability

Cheap rates

Reviews (3,653)

David

June 28, 2025

Verified Review

Insurance

It's hard to get a hold of an agent. Agencies switched, resulting in a lot of back-and-forth phone calls.

Leeland

June 26, 2025

Verified Review

Frustrating

Don't use this company. A fire in California will raise your rates even if you don't live there.

Hope

June 25, 2025

Verified Review

Good

It's been fine until the rates went up without notification.

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

636

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

1.02

A.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 $150 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 are estimated rates current as of: Thursday, July 3 at 12:00 PM PDT. 

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.

Read Editorial Guidelines

View Full Bio

Insurance Company	Average Monthly Quote
State Farm	$79
Mile Auto	$114
GEICO	$135
Allstate	$137
Direct Auto	$153
Progressive	$162
Travelers	$163
Mercury	$165
Infinity	$192
Foremost	$203
Root	$203
Bristol West	$213
GAINSCO	$232
The General	$243
AssuranceAmerica	$312
Liberty Mutual	$412

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes 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 $225 per month for full-coverage car insurance. Here are the cheapest full-coverage car insurance companies in Jacksonville.

The below rates are estimated rates current as of: Thursday, July 3 at 12:00 PM PDT. 

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.

Read Editorial Guidelines

View Full Bio

Insurance Company	Average Monthly Quote
State Farm	$96
GEICO	$149
Mile Auto	$151
Allstate	$168
Travelers	$199
Mercury	$214
Progressive	$228
National General	$241
Direct Auto	$265
Infinity	$273
Bristol West	$287
The General	$305
Foremost	$312
Root	$330
GAINSCO	$357
Liberty Mutual	$445
AssuranceAmerica	$445

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. 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.

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.

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Liability coverage starts at $90/mo. for drivers with moving violations

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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 $171 per month for liability-only coverage and $257 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 are estimated rates current as of: Thursday, July 3 at 12:00 PM PDT. 

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.

Read Editorial Guidelines

View Full Bio

Insurance Company	Full Coverage	Liability Only
State Farm	$112	$92
Mile Auto	$171	$129
GEICO	$181	$164
Allstate	$198	$161
Travelers	$237	$194
Progressive	$260	$185
Mercury	$275	$212
Direct Auto	$315	$182
Infinity	$332	$233
Bristol West	$343	$255
Foremost	$376	$245
The General	$381	$303
GAINSCO	$402	$261
Root	$414	$255
AssuranceAmerica	$507	$355
Liberty Mutual	$536	$497

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes 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 $284 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 are estimated rates current as of: Thursday, July 3 at 12:00 PM PDT. 

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.

Read Editorial Guidelines

View Full Bio

Insurance Company	Full Coverage	Liability Only
State Farm	$120	$99
GEICO	$177	$160
Mile Auto	$193	$145
Allstate	$211	$172
Travelers	$253	$207
Progressive	$288	$204
Mercury	$298	$230
Infinity	$340	$239
Direct Auto	$345	$199
Bristol West	$364	$270
Foremost	$400	$260
The General	$402	$320
Root	$418	$257
GAINSCO	$439	$285
AssuranceAmerica	$532	$373
Liberty Mutual	$571	$528

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes 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 $275 for full-coverage car insurance and $183 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 are estimated rates current as of: Thursday, July 3 at 12:00 PM PDT. 

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.

Read Editorial Guidelines

View Full Bio

Insurance Company	Full Coverage	Liability Only
State Farm	$129	$106
GEICO	$200	$181
Mile Auto	$202	$153
Allstate	$225	$184
Travelers	$267	$219
Progressive	$279	$198
Mercury	$292	$225
Direct Auto	$355	$205
Infinity	$366	$257
Bristol West	$385	$286
The General	$409	$326
Foremost	$418	$272
Root	$442	$272
GAINSCO	$479	$311
Liberty Mutual	$597	$552
AssuranceAmerica	$597	$418

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes 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 $131 per month for liability coverage and $197 for full coverage, on average.

Here are the lowest average quotes for senior drivers in Jacksonville, Florida.

The below rates are estimated rates current as of: Thursday, July 3 at 12:00 PM PDT. 

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.

Read Editorial Guidelines

View Full Bio

Insurance Company	Full Coverage	Liability Only
State Farm	$73	$60
GEICO	$117	$106
Mile Auto	$123	$93
Allstate	$137	$112
Travelers	$161	$132
Mercury	$187	$144
Progressive	$204	$145
Direct Auto	$215	$124
Infinity	$237	$166
Bristol West	$241	$179
The General	$256	$204
Foremost	$272	$177
Root	$282	$174
GAINSCO	$323	$210
Liberty Mutual	$372	$344
AssuranceAmerica	$381	$267

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes 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 $387 for full coverage in Jacksonville and $258 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 are estimated rates current as of: Thursday, July 3 at 12:00 PM PDT. 

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.

Read Editorial Guidelines

View Full Bio

Insurance Company	Full Coverage	Liability Only
State Farm	$175	$144
Mile Auto	$300	$226
Allstate	$318	$259
Travelers	$379	$311
Mercury	$386	$297
Progressive	$392	$279
Infinity	$488	$343
Bristol West	$497	$369
The General	$503	$401
Direct Auto	$504	$291
Root	$551	$339
Foremost	$572	$372
GAINSCO	$645	$419
Liberty Mutual	$773	$716
AssuranceAmerica	$852	$598

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes 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.

Is car insurance more expensive in Jacksonville?

The average cost of car insurance in the United States is $193 per month for full coverage. However, Jacksonville residents face a surprisingly high average monthly premium of $225 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	$260	$185
Fort Myers	$210	$145
Jacksonville	$225	$150
Lakeland	$205	$151
Ocala	$198	$138
Orlando	$233	$169
Pompano Beach	$255	$185
Tampa	$292	$214

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Jacksonville car insurance FAQs