Cheap Auto Insurance in Jacksonville, FL (2023)

If you’re looking for affordable car insurance in the Sunshine State, the city you live in can make a noticeable difference.

Jacksonville is Florida’s largest city, with nearly a million Floridians calling it home. Drivers are likely to lose time in traffic navigating busy roads, but they can enjoy car insurance rates well below the state average.

Minimum-coverage car insurance in Jacksonville costs an average of $151 to $300 per month, compared to the state average of $323 per month. Comparison shopping for car insurance can help you find the best deal for your money.

How much does car insurance cost in Jacksonville?

Insurify’s data scientists analyzed the latest insurance quotes in the city to identify the cheapest in the area. These quotes are based on factors that insurers use to determine premiums, such as age, gender, and type of vehicle, as well as whether you choose full coverage or liability only.

• At $130 on average per month, National General has the cheapest liability-only car insurance in Jacksonville.

• If you’re looking for full-coverage car insurance, Hugo offers an average rate as low as $145 per month.

• National General may also be the best option for young drivers in Jacksonville, with an average rate of $230 per month.

Learn More: Cheap Auto Insurance in Florida

Who has the cheapest car insurance in Jacksonville?

The cheapest insurer in Jacksonville, Florida, is National General, with an average monthly cost of $130.

Car insurance companies use a variety of factors to determine rates. These include your driving history, how often you drive, where you live, your age, gender, and credit history.

The following table provides insight into the cheapest average car insurance rates in Jacksonville.

How much car insurance do you need in Jacksonville?

Most states have minimum car insurance requirements for liability coverage. Florida requires drivers to carry at least:

• $10,000 in personal injury protection (PIP) per accident

• $10,000 in property damage liability (PDL) per accident

PIP will cover 80% of medical expenses up to $10,000, regardless of who is at fault. PDL covers damage to the other person’s property or vehicle caused by you or someone who you permitted to drive your vehicle.

You’ll need to show proof of insurance in Jacksonville if a police officer pulls you over, you need to register a car, or to renew your registration. If you don’t meet the minimum insurance requirements, the State of Florida could suspend your license for up to three years, charge a fee, or both.^[1]

While minimum-coverage car insurance in Florida is a start, you can easily exceed this low coverage amount. If your medical expenses or the other person’s vehicle repairs exceed $10,000, you’re responsible for paying the remainder of the costs out of pocket.

As a result, it’s important to consider increasing your coverage amount or paying a little more for full-coverage insurance..

Florida DMV information

The Florida Department of Highway Safety and Motor Vehicles is the state’s DMV office. Several locations exist throughout the state to help drivers:

• Renew their license or state ID

• Replace or renew registration for a vehicle

• Pay a ticket

• Update their car insurance information

The website also provides government forms, handbooks, manuals, and online services for added convenience. You can find local DMV offices in all of Florida’s 67 counties.^[1]

How to get cheap car insurance in Jacksonville

While some factors that help determine car insurance rates are out of your control, you can still take steps to reduce your car insurance premiums.

Start by shopping around and comparing car insurance quotes online. This will help you see what other insurers are offering in your area and narrow down the best price. Once you find an insurance company with a policy you like, see if it has any discounts like:

• Reduced rates for low-mileage drivers

• Students discounts

• Discounts for vehicles with anti-theft technology

Many insurance companies also allow you to bundle your car insurance with homeowners or renters insurance to secure a discount. Also, consider increasing your deductible, which could lower your car insurance premium. Just remember that you’ll have to pay the higher deductible you choose if you ever need to file a claim.

Learn More: Compare Home and Auto Insurance Bundles

The effect of age on car insurance rates in Jacksonville, FL

Age is one factor you can’t control, but it’s important to understand how it affects your car insurance rates. Insurers typically charge higher premiums to drivers younger than 25 since they have less experience on the road.

Younger drivers, especially teenagers, also have more accidents than mature drivers. This creates a greater risk for insurers, so they raise rates for young drivers to reflect it.^[2]

The table below uses Insurify’s data to illustrate how age affects your average rates for insurance premiums in Jacksonville.

Cheapest car insurance for young drivers in Jacksonville

National General has the cheapest full-coverage car insurance for young drivers, with an average monthly cost of $230. If you’re a student with at least a B average, you can check if your insurer has a good student discount. You can also check if it offers a discount to drivers who complete a safe driving course.

Cheapest car insurance for middle-aged drivers in Jacksonville

The cheapest full-coverage car insurance for middle-aged drivers in Jacksonville is from Pronto, with an average monthly cost of $157. If you have renters or homeowners insurance, see if you can use the same insurer for car insurance and bundle the coverage to lower your premiums.

Cheapest car insurance for senior drivers in Jacksonville

Senior drivers typically pay some of the lowest car insurance rates of any age group. The cheapest car insurer for senior drivers in Jacksonville is Progressive, with an average monthly cost of $172 for a full-coverage policy. Progressive is one insurer that lowers car insurance rates for safe drivers who don’t have accidents in a certain time frame. You may also be able to lower your car insurance by reporting that you drive fewer miles during the year.

How your credit scores affect car insurance rates in Jacksonville

Credit is one of the factors insurers use to determine car insurance rates for drivers in Jacksonville. Generally, they consider your:

• Personal credit score: Shows how well you pay bills on time and reveals any delinquent accounts

• Insurance credit score: Shows your past claim history and predicts the likelihood that you’ll file a car insurance claim and what the claim might cost

Some states prohibit car insurance companies from using credit scores to determine insurance rates, but Florida is not one of these states. A personal credit score of 700 or higher is considered good, according to Experian.

To improve your credit score or maintain a good score, it’s important to pay your bills on time and keep accounts open and in good standing. Late payments, delinquencies, multiple hard credit inquiries, and a short credit history can all hurt your personal credit score.^[3]

Learn More: Car Insurance Rates by Credit Tier

How driving habits affect car insurance in Jacksonville

Your driving habits and driving history affect car insurance rates across the board. Each car insurance company has its own practices for evaluating driving history. But in general, you can expect to pay more if you have an accident, DUI, or speeding ticket on your record. 

Drivers who have filed a car insurance claim due to an accident could also see higher premiums, especially if they were at fault. Accident claims stay on your record for at least three years. If you remain accident-free during the years following a claim, you could see lower car insurance rates.

The following tables provide insight into how certain traffic violations can affect car insurance rates. It’s important to note that when you see a negative difference in a table, it doesn’t mean that particular insurance company lowers rates for drivers with that infraction on their records. Rather, it may mean that our sample size was small — insurers may choose not to offer policies to drivers with that infraction. Your actual rate can vary based on a number of factors other than your driving record.

Cheapest car insurance with a clean record in Jacksonville: Pronto

Maintaining a clean driving record free of traffic violations and accidents can help keep your car insurance costs down. The following table provides average monthly rates for Jacksonville drivers with a clean record.

Cheapest car insurance with an accident in Jacksonville: National General 

Being involved in a car accident can significantly increase your car insurance rates when it comes time to renew your policy — especially if you’re at fault for the accident. The good news is the accident will likely fall off your driving record after a few years, at which point it shouldn’t affect your insurance anymore.

The table below gives some insight into how an at-fault accident can affect average car insurance rates in Jacksonville:

Cheapest car insurance with a DUI in Jacksonville: Safeco

A conviction for driving under the influence of alcohol or drugs is a serious infraction that could cause many insurance companies to decline coverage. The table below reflects this reality, especially when compared to the one above. 

Notice that some insurers that were willing to offer policy quotes to drivers with an at-fault accident are absent from the list of those willing to offer quotes to drivers with a DUI. And where you see a negative “difference,” this is likely because a smaller number of insurance companies were willing to offer quotes, skewing the data results.

Cheapest car insurance with a speeding ticket in Jacksonville: National General

Speeding is another driving infraction that could make it difficult to find car insurance at all, let alone at a low price. The table below illustrates the effect a speeding ticket can have on your car insurance rates in Jacksonville. Among the insurers willing to quote policies for drivers with a speeding infraction, the ticket increased their rates by an average of $91 per month.

Car insurance in other Florida cities

Auto insurance rates can vary widely from city to city, even in the same state. The following articles provide a look at car insurance rates in other Sunshine State cities:

• Cheap Auto Insurance Quotes in Tampa, FL

• Cheap Auto Insurance Quotes in Venice, FL

• Cheap Auto Insurance Quotes in Gainesville, FL

• Cheap Auto Insurance Quotes in Fort Myers, FL

• Cheap Auto Insurance Quotes in Pensacola, FL

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