Cheapest Auto Insurance in Jacksonville, Florida (2024)

State Farm offers the cheapest car insurance for Jacksonville drivers, with liability rates starting at $68 per month.

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Mark Friedlander
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Konstantin Halachev
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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 March 1, 2024 at 11:00 AM PST

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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 $305. However, this average is higher than the state average of $299 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 $255 and the national average of $156.

  • Liability-only insurance in Jacksonville costs an average of $203 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 CompanyIQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
Full CoverageLiability OnlyBest For
State Farm4.5$123$86Drivers with a speeding ticket
GEICO4.2$154$107Seniors
Allstate4.2$262$182Drivers with an accident
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
  • Insurify uses an in-house, proprietary method to rate and review the best car insurance companies. The Insurify Quality (IQ) Score uses more than 15 crucial criteria, including average premiums, customer satisfaction, discounts, third-party ratings, and more, to calculate a final score for a company.

    Criteria are weighted by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings. With the IQ Score, Insurify is able to provide quantitative ratings for drivers to better compare car insurance companies and make informed decisions to meet their coverage needs.

Best insurer for drivers with a speeding ticket: State Farm

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.4
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
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++
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.
$68/mo

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

I am happy with their coverage. I just bought a new car, and my insurance quadrupled. YIKES.

Stacy - December 4, 2023
Verified

Friendly service.

John - December 4, 2023
Verified

Got insurance established fast.

Robert - December 3, 2023
Verified
Read our State Farm review

Best insurer for seniors: GEICO

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
835
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++
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.
$70/mo

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

Everything good except the price.

RAY - December 4, 2023
Verified

I have not had problems; prices just remain high with little to no customer service and little benefit from 26+ years of customer loyalty.

Elizabeth - December 3, 2023
Verified

I had been with them a few years until they started raising my rates every time I was up for renewal. I got a new quote from another company that was $50 less than GEICO for the same coverage. That's not how to show customer loyalty, and it's the reason GEICO lost me as a customer.

Denise - December 3, 2023
Verified
Read our GEICO review

Best insurer for drivers with an accident: Allstate

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.2
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
833
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-
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.
$118/mo

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

Our agent was always available for questions and concerns.

Lyn - December 4, 2023
Verified

Prices keep going up.

Gilberto - December 2, 2023
Verified

They are overcharging me for basic insurance.

Brian - November 29, 2023
Verified
Read our Allstate review

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 $203 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: Friday, March 1 at 11:00 AM PST
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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 CompanyAverage Monthly Quote
State Farm68
GEICO70
Hugo77
Allstate118
Mile Auto132
Safeco136
Travelers140
Mercury146
Liberty Mutual157
Direct Auto159
Midvale Home & Auto175
Progressive180
Infinity193
Foremost209
Dairyland214
AssuranceAmerica231
Bristol West278
The General317
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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 $305 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: Friday, March 1 at 11:00 AM PST
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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 CompanyAverage Monthly Quote
State Farm79
GEICO81
Hugo86
Allstate137
Travelers166
Mercury173
Mile Auto185
Safeco187
GAINSCO217
Infinity217
Liberty Mutual238
Direct Auto247
Midvale Home & Auto255
Progressive257
National General311
AssuranceAmerica312
Foremost313
Dairyland381
Bristol West397
The General446
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

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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]

CoverageMinimum 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:

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/x/abffe6238f/financial-protection.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/x/73ee7a876e/repair.svg

    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? (2024)

How Much Car Insurance Do You Need? (2024)

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 $77/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 $239 per month for liability-only coverage and $359 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: Friday, March 1 at 11:00 AM PST
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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 CompanyFull CoverageLiability Only
State Farm9078
GEICO9481
Hugo11199
Allstate159137
Travelers196166
Mercury233197
Safeco236172
Mile Auto252180
Infinity268238
Liberty Mutual299198
Direct Auto300193
Progressive312219
AssuranceAmerica394292
Dairyland458257
Bristol West470329
The General537382
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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 $387 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: Friday, March 1 at 11:00 AM PST
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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 CompanyFull CoverageLiability Only
State Farm9784
GEICO10188
Hugo10796
Allstate171147
Travelers210177
Mercury249210
Safeco257187
Infinity269240
Mile Auto272194
Liberty Mutual321212
Direct Auto323208
Progressive336235
AssuranceAmerica414306
Dairyland487273
Bristol West494346
The General578411
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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 $448 for full-coverage car insurance and $298 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: Friday, March 1 at 11:00 AM PST
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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 CompanyFull CoverageLiability Only
State Farm119103
GEICO122106
Allstate207178
Travelers251211
Mercury265224
Mile Auto279199
Safeco282205
Infinity328291
Liberty Mutual359237
Direct Auto373240
Progressive388272
AssuranceAmerica471349
Foremost473316
Dairyland575323
Bristol West599420
The General673479
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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 $168 per month for liability coverage and $253 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: Friday, March 1 at 11:00 AM PST
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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 CompanyFull CoverageLiability Only
State Farm6052
GEICO6556
Allstate11296
Travelers136115
Mercury153129
Mile Auto161115
Safeco168122
Progressive185129
Liberty Mutual194128
Direct Auto205132
AssuranceAmerica254188
Dairyland330185
Bristol West335234
The General403286
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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: GEICO

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 $468 for full coverage in Jacksonville and $311 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: Friday, March 1 at 11:00 AM PST
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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 CompanyFull CoverageLiability Only
State Farm126108
Hugo144129
Allstate223192
Travelers278235
Mercury297251
Safeco312227
Mile Auto329235
Liberty Mutual375247
Infinity378337
Direct Auto419270
Progressive427299
Foremost522348
AssuranceAmerica552409
Dairyland570320
Bristol West610427
The General656466
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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.

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 $210 per month for full coverage. However, Jacksonville residents face a surprisingly high average monthly premium of $305 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.

CityAverage Quote: Full CoverageAverage Quote: Liability Only
Fort Lauderdale$336$255
Fort Myers$260$194
Jacksonville$305$203
Lakeland$288$198
Ocala$255$174
Orlando$316$220
Pompano Beach$358$254
Tampa$373$309
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.

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 $203 a month for liability-only coverage and $305 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 insurers liability-only rates start at $68 per month. GEICO and Hugo are the second- and third-cheapest insurers in Jacksonville, with monthly liability rates of $70 and $77, 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 $311 per month for liability-only coverage and $468 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 90 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 50+ 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
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • 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.

Sources

  1. Florida Department of Highway Safety and Motor Vehicles. "Florida Insurance Requirements." Accessed July 12, 2023
  2. III. "Do auto insurance premiums go up after a claim?." Accessed July 12, 2023
  3. Florida Department of Highway Safety and Motor Vehicles. "Traffic Crash Facts Annual Report 2021." Accessed July 12, 2023
Jacqueline DeMarco
Jacqueline DeMarco

During college, Jacqueline DeMarco interned at a retirement plan advisory firm and was tasked with creating a presentation on the importance of financial wellness. During her research into how money can affect our health, relationships and career, Jacqueline realized just how important financial education is. Jacqueline is a contributor for Insurify and has worked with more than a dozen financial brands, including LendingTree, Capital One, Credit Karma, Fundera, Chime, Bankrate, Student Loan Hero, ValuePenguin, SoFi, and Northwestern Mutual, providing thoughtful content to give readers insight into complex topics that they likely didn’t learn in school.

Danny Smith
Edited byDanny Smith
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Danny Smith
  • 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 Friedlander
Reviewed byMark FriedlanderDirector, Corporate Communications
Mark Friedlander
Mark FriedlanderDirector, Corporate Communications
  • Corporate communications director for Insurance Information Institute

  • 20+ years in insurance and communications

As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.

Konstantin Halachev
Data reviewed byKonstantin HalachevVice President of Engineering
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Konstantin HalachevVice President of Engineering
  • 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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