Más de 12 años escribiendo sobre seguros y finanzas personales
Emily es ampliamente reconocida como una experta en finanzas personales y autora de varios libros sobre finanzas personales. Es una invitada habitual en medios de comunicación nacionales y regionales.
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.
Mark FriedlanderDirector, Corporate Communications, Triple-I
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.
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Cheapest recent rates near Jacksonville, North Carolina
Recent Jacksonville, North Carolina car insurance prices for Acura, Lincoln, Honda , and more.
*Quotes generated for Insurify users in and around Jacksonville, North Carolina within the last 10 days. Last updated on December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Jacksonville, North Carolina within the last 10 days. Last updated on December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Residents of Jacksonville, North Carolina, may be surprised to find that car insurance rates are so affordable, given that the city is so close to the Atlantic Ocean.
With an overall average cost of $70 per month, Jacksonville drivers pay less than the statewide average of $75 per month and the national monthly average of $153. The city’s smaller population size of 70,420 and less congested roadways may contribute to its lower insurance costs.
But your exact auto insurance rate will depend on a number of factors. Here’s what you need to know about comparing quotes and securing the best auto insurance in Jacksonville.
Quick Facts
Erie, Nationwide, and GEICO have the cheapest car insurance in Jacksonville.
Jacksonville drivers pay a yearly average of $1,013 for full-coverage policies.
North Carolina uses the pure contributory negligence rule, which states that you can’t sue for damages if you’re found to be as little as 1% responsible for an accident.
3 of the cheapest car insurance companies in Jacksonville
Finding the best auto insurance company depends on your specific situation and coverage requirements since insurance companies consider several factors to determine your premium costs, including your age, driving history, and ZIP code.
Erie, Direct Auto, and Nationwide each stand out for certain customer needs. Though they’re some of the best insurers in Jacksonville, be sure to compare quotes from other insurers, too, as they may be a better fit for you.
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
▲▼
Erie
9.0
$64
$42
Customer satisfaction
Direct Auto
7.3
$98
$55
High-risk drivers
Nationwide
8.7
$64
$41
Drivers with bad credit
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.
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.
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.
9.0 /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.
$38/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$60/mo
4.1
Best choiceBased on 252 verified guest reviews and ratings
How drivers feel about Erie Insurance
Drivers appreciate the excellent customer service, fair pricing, and responsive assistance. However, some are unhappy with unexpected rate increases and policy cancellations.
AI-generated from the text of verified reviews collected by Insurify
Best For
High customer satisfaction
Competitive rates
Optional coverages
How drivers feel about Erie Insurance
Drivers appreciate the excellent customer service, fair pricing, and responsive assistance. However, some are unhappy with unexpected rate increases and policy cancellations.
AI-generated from the text of verified reviews collected by Insurify
Best For
High customer satisfaction
Competitive rates
Optional coverages
Reviews (132)
Lacy
December 11, 2024
Verified Review
They were okay, I guess
They're okay, I guess. They wouldn't sell me full coverage because my car had just a couple of dents, but I still thought it looked good.
Bret
December 9, 2024
Verified Review
Average
Good, but just too expensive.
Sarah
November 27, 2024
Verified Review
Been with Eire for Approximately 12 Years, but Recent Increases are Just Too Much
My biggest and only complaint is that the rate increases are becoming more than I can handle.
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
870
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.49
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
Founded in 1925, Erie is a nearly 100-year-old regional insurer focusing squarely on providing excellent service and protection for an affordable price. Erie was among the highest ranked in customer satisfaction in the Southeast region in J.D. Power’s 2023 U.S. Auto Insurance Study.
Pros
Erie Rate Lock feature allows you to lock in your premium
Offers accident forgiveness and diminishing deductibles
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
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.
7.3 /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.
$51/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$92/mo
How drivers feel about Direct Auto
Drivers appreciate the initial low rates and the roadside assistance but dislike the significant rate increases and poor customer service.
AI-generated from the text of verified reviews collected by Insurify
Best For
High-risk drivers
Ample discounts
24/7 claims support
How drivers feel about Direct Auto
Drivers appreciate the initial low rates and the roadside assistance but dislike the significant rate increases and poor customer service.
AI-generated from the text of verified reviews collected by Insurify
Best For
High-risk drivers
Ample discounts
24/7 claims support
Reviews (281)
April
December 16, 2024
Verified Review
Terrible
The cost is too high for the state minimum. Plus, there's no coverage for replacement with liability only.
George
December 16, 2024
Verified Review
Basic Coverage
The coverage is fair, but I was very disappointed when I needed to use roadside assistance and couldn't.
Douglas
December 16, 2024
Verified Review
Wildlife Ride
If you choose Direct, you might end up in a potentially bad financial situation. They will hold you responsible if wildlife damages your vehicle.
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NR
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
2.02
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
Direct Auto specializes in providing insurance to drivers who other companies have turned down because of their driving history. Direct has offered non-standard insurance to drivers all over the Southeast since 1991.
Pros
Offers affordable insurance to higher-risk drivers
Flexible payment options
Cons
Only offers auto insurance, so no bundling opportunities
Trustpilot rating of 2.1 stars, and may customer complaints about high costs
Best insurer for drivers with bad credit: Nationwide
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.
8.7 /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.
$38/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$60/mo
4.4
Best choiceBased on 793 verified guest reviews and ratings
How drivers feel about Nationwide
Drivers appreciate the excellent coverage, reliable claims process, and good initial rates but dislike the frequent price increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Usage-based savings
Accident forgiveness
Recreational vehicle coverage
How drivers feel about Nationwide
Drivers appreciate the excellent coverage, reliable claims process, and good initial rates but dislike the frequent price increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Usage-based savings
Accident forgiveness
Recreational vehicle coverage
Reviews (446)
Mark
December 14, 2024
Verified Review
Average
The price kept rising too high with every renewal.
Cheryl
December 9, 2024
Verified Review
Communication was minimal. The owner could not answer my questions and told me to wait until the secretary returned.
Communication was minimal. The owner could not answer my questions and told me to wait until the secretary returned.
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
815
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.64
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
Nationwide offers moderately priced coverage to drivers with less-than-perfect credit. Nationwide does consider your credit record when determining your premiums. But if an extraordinary life event has affected your credit — like a natural disaster, serious illness or injury, divorce, job loss, or overseas deployment — you may qualify for a reconsideration of your premium.
Pros
Wide array of insurance products
Offers usage-based insurance
Cons
Below-average J.D. Power customer satisfaction rating in the Southeast region
Average customer review rating of 1.15/5 stars on the BBB website
How to get the cheapest car insurance in Jacksonville
Several factors determine your insurance rates, including your driving record, the type of car you drive, the amount of time you spend on the road, and your level of coverage. While these are mostly in your control, insurers also use factors like your age, marital status, gender, and location to determine your rates.
Here are some strategies you can adopt to ensure you get cheap car insurance that provides the coverage you need:
Compare quotes. Insurance companies use different formulas to determine your rate. Shop among multiple insurers to find coverage at a price you can afford.
Raise your deductible. A higher collision or comprehensive deductible means lower premiums. But make sure you have enough money to cover the higher deductible cost if you need to file a claim.
Apply for discounts. Many insurance companies offer numerous discounts to customers, including bundling discounts for people who get multiple policies from the same insurer, payment discounts for people their policy in full rather than monthly, and low-mileage discounts for people who drive less than average.
Drive safely. Maintaining a clean driving record is one of the best ways to get and keep low insurance rates.
Find Car Insurance in Jacksonville, NC
Liability rates start at $38 per month
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Cheapest liability-only car insurance in Jacksonville: Erie
If you’re at fault in a car accident, liability coverage will pay to repair or replace the other party’s car (or other damaged property) and their associated medical costs. But it won’t cover damages to your car or your medical expenses because of an accident you caused.[1]
Liability insurance costs an average of $55 per month in Jacksonville.
The cheapest rates for auto insurance are for liability-only insurance policies, but you’ll be on the hook for more out-of-pocket expenses if you cause an accident while carrying only liability coverage. Consider the following insurers for the best liability-only coverage in Jacksonville.
The below rates are estimated rates current as of: Sunday, December 1 at 11:00 AM PST.
Insurance Company
▲▼
Average Monthly Quote
▲▼
Erie
$38
Nationwide
$38
GEICO
$44
Travelers
$49
Dairyland
$50
Direct Auto
$51
Safeco
$51
Allstate
$52
Progressive
$53
Liberty Mutual
$55
National General
$59
State Farm
$63
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: Erie
Full-coverage car insurance provides more financial protection than liability-only policies because it includes collision coverage, which pays to repair or replace your vehicle if you cause an accident, and comprehensive coverage, which pays for damage to your car from something other than an accident, including storms, theft, or vandalism.
Jacksonville drivers pay a monthly average of $84 for full coverage.
A driver with a financed or leased car generally must buy full-coverage car insurance to protect against potential damage. Consider the following cheap full-coverage car insurance companies in Jacksonville.
The below rates are estimated rates current as of: Sunday, December 1 at 11:00 AM PST.
Insurance Company
▲▼
Average Monthly Quote
▲▼
Erie
$60
Nationwide
$60
GEICO
$68
Travelers
$76
Allstate
$82
Progressive
$83
Direct Auto
$92
State Farm
$98
Safeco
$102
National General
$103
Liberty Mutual
$171
Dairyland
$246
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 recent rates near Jacksonville, North Carolina
Recent Jacksonville, North Carolina car insurance prices for Toyota, Ford, Lexus , and more.
*Quotes generated for Insurify users in and around Jacksonville, North Carolina within the last 10 days. Last updated on December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Jacksonville, North Carolina within the last 10 days. Last updated on December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in North Carolina
North Carolina is an at-fault state, which means that the person who caused an accident is the one whose insurance must pay for the damages. But North Carolina is also one of the handful of states using the pure contributory negligence rule. Under this rule, if a person is determined to be even 1% at fault in causing an accident, that person can’t sue for damages.
In addition to the minimum liability coverage requirements, the Tar Heel State requires all drivers to carry uninsured/underinsured motorist insurance, which covers you when a driver causes a crash but doesn’t have insurance or enough insurance to cover your bodily injury and property damage costs. Any insurance policy you purchase in North Carolina must include this coverage to meet the minimum state requirements.[2]
The specific coverage limits required in the state increase on Jan. 1, 2025. The table below reflects the change in requirements:
$30,000 per person / $60,000 per accident / $25,000 per accident for property damage
$50,000 per person / $100,000 per accident / $50,000 per accident for property damage
Though North Carolina drivers aren’t required to carry more coverage than the above limits, many increase their coverage for more financial protection. That may mean paying for a policy with higher limits for bodily injury liability and property damage liability coverage. But you may also choose to buy additional coverage, such as:
Collision coverage
If you’re at fault in an accident with another vehicle or stationary object, collision insurance will pay to repair or replace your vehicle. This may be especially important in North Carolina since it’s an at-fault state following the pure contributory negligence rule. Collision also pays for damage from hitting a pothole or a rollover accident.
Comprehensive coverage
If your vehicle is damaged by something other than an accident, such as theft, vandalism, fire, weather hazards, or a cracked windshield, comprehensive insurance will pay to repair or replace it.
Accident forgiveness
Insurers typically increase your premium upon renewal after an accident. With optional accident forgiveness coverage, your costs won't rise after your first at-fault accident. But you'll need to buy the coverage before an accident occurs, and generally need at least three years of clean driving record to qualify to buy accident forgiveness.
Gap insurance
Because new vehicles depreciate quickly, it's possible to owe more on a lease or loan than you receive for a claims payout if your vehicle ends up a total loss. Gap coverage bridges the difference between your loan or lease balance and your claims payout amount so you won't end up paying off your totaled vehicle.
Cheapest car insurance for drivers with an incident
If you have an incident on your driving record, such as an at-fault accident, speeding ticket, DWI, or other moving violation, affordable auto insurance in Jacksonville may be a little harder to find. That’s because even a single incident in your driving history can increase your rates for several years.
Insurance companies are more likely to consider you a high-risk driver if you have one of these incidents on your record, but you can still find affordable rates with the right insurers.
Shop for Car Insurance in Jacksonville, NC
Monthly liability rates start at $55
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Cheapest car insurance for drivers with a speeding ticket
Driving faster than the speed limit may seem harmless, but it can have serious consequences. Not only are you more likely to be cited for speeding, but it can mean fines, points on your license, and an increased insurance rate for three to five years.
Jacksonville drivers with a speeding ticket pay an average of $86 per month for liability coverage and $131 per month for full coverage.
If you’ve gotten a speeding ticket, you’ll likely be on the hook for higher insurance premiums, but the following companies still offer affordable liability-only car insurance after a speeding ticket.
The below rates are estimated rates current as of: Sunday, December 1 at 11:00 AM PST.
Insurance Company
▲▼
Clean Driving Record
▲▼
With Speeding Ticket
▲▼
Erie
$38
$54
Nationwide
$38
$53
GEICO
$44
$61
Travelers
$49
$68
Dairyland
$50
$69
Direct Auto
$51
$70
Safeco
$51
$71
Allstate
$52
$72
Progressive
$53
$73
Liberty Mutual
$55
$81
National General
$59
$82
State Farm
$63
$86
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
Your insurance premiums will typically increase if you have an at-fault accident on your record. In some cases, your insurer may even drop you after an at-fault accident, depending on the circumstances and severity of it, as well as your driving history.
Liability insurance costs an average of $90 per month in Jacksonville for drivers with an at-fault accident on their record.
While it can be difficult to find affordable car insurance after an at-fault accident, the following insurers can help Jacksonville residents get the liability coverage they need.
The below rates are estimated rates current as of: Sunday, December 1 at 11:00 AM PST.
Insurance Company
▲▼
Clean Driving Record
▲▼
With Accident
▲▼
Erie
$38
$57
Nationwide
$38
$56
GEICO
$44
$64
Travelers
$49
$72
Dairyland
$50
$72
Direct Auto
$51
$76
Safeco
$51
$74
Allstate
$52
$76
Progressive
$53
$78
Liberty Mutual
$55
$85
National General
$59
$86
State Farm
$63
$91
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 DWI
Driving while intoxicated is one of the most severe traffic violations a driver can commit. Both law enforcement and insurance companies take DWIs very seriously, which means drivers can expect severe consequences. These consequences may include expensive fines, points on your license, suspension of driving privileges, and significant car insurance rate increases for up to 10 years — if your insurer doesn’t drop you altogether.
Jacksonville drivers with a DUI pay an average of $99 per month for a minimum-coverage policy. That average increases to $152 per month for full coverage.
The following insurers provide the least expensive liability-only coverage to Jacksonville drivers with a DWI.
The below rates are estimated rates current as of: Sunday, December 1 at 11:00 AM PST.
Insurance Company
▲▼
Clean Driving Record
▲▼
With DWI
▲▼
Erie
$38
$66
Nationwide
$38
$66
GEICO
$44
$76
Travelers
$49
$85
Dairyland
$50
$86
Direct Auto
$51
$88
Safeco
$51
$80
Allstate
$52
$90
Progressive
$53
$92
Liberty Mutual
$55
$95
National General
$59
$102
State Farm
$63
$109
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
Age is one of the main factors that help insurers determine your premium. Insurers have found that younger drivers are more likely to file claims, so drivers generally find their auto insurance rates decrease once they reach age 25 since they have more maturity and experience behind the wheel.
Drivers generally pay lower rates until they reach their 70s. Around age 70, accident rates begin to increase for senior drivers, so rates tend to increase again.
Senior drivers in Jacksonville pay $46 per month, on average, for liability insurance. The cheapest car insurance in Jacksonville for seniors includes the following insurers.
The below rates are estimated rates current as of: Sunday, December 1 at 11:00 AM PST.
Insurance Company
▲▼
Liability Only
▲▼
Full Coverage
▲▼
Nationwide
$28
$45
Erie
$29
$46
GEICO
$35
$54
Progressive
$38
$60
Travelers
$38
$60
Dairyland
$40
$197
Direct Auto
$40
$72
Allstate
$42
$66
Safeco
$44
$87
National General
$45
$79
Liberty Mutual
$46
$143
State Farm
$49
$76
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
Teenage drivers have less experience on the road than other drivers and are more likely to take risks that older drivers would avoid, leading to a high accident rate. Because of this, insurance rates for young drivers are much higher than for adults.
Teen drivers in Jacksonville pay monthly averages of $95 for liability coverage and $145 for full coverage.
Adding a teen driver to the family auto insurance policy can be expensive, but teens can do several things to keep their auto insurance more affordable, including staying on their parents’ insurance policy, driving a safe car, taking a defensive driving course, and applying for a good student discount. Keep in mind, minor teens aren't legally allowed to buy their own car insurance policy without the written consent of a parent or guardian.
The following insurers offer some of the cheapest monthly car insurance quotes for teens in Jacksonville.
The below rates are estimated rates current as of: Sunday, December 1 at 11:00 AM PST.
Insurance Company
▲▼
Liability Only
▲▼
Full Coverage
▲▼
Erie
$65
$102
Nationwide
$67
$106
GEICO
$71
$110
Dairyland
$81
$400
Travelers
$90
$139
Allstate
$94
$148
Direct Auto
$94
$170
Progressive
$94
$147
Liberty Mutual
$95
$296
Safeco
$98
$196
State Farm
$110
$171
National General
$117
$205
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.
Your credit history may affect your auto insurance rates in North Carolina.[3] Many insurance companies use credit information as a factor in determining premium costs. Drivers with good to excellent credit scores may pay lower rates than drivers with poor credit scores.
Here are the average monthly quotes for insurance in Jacksonville by credit tier:
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?
Full-coverage car insurance costs less in Jacksonville than in North Carolina, though liability-only insurance is similar to the state average. North Carolina’s average monthly cost for auto insurance is $55 for liability only and $94 for full coverage.
Jacksonville residents pay an average of $55 per month for liability-only coverage and $84 per month for full-coverage insurance.
Insurance costs can vary widely within a state, and even within a city. The difference in rates between Jacksonville and the rest of the state can be related to demographics, population density, crime statistics, or other geographical factors.
More cities in North Carolina
You can see how Jacksonville rates compare to some other North Carolina cities in the table below.
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
Finding the best car insurance can be challenging. Below, you’ll find answers to some commonly asked questions about how to find the best auto insurance in Jacksonville.
How much is car insurance in Jacksonville?
Car insurance in Jacksonville costs $70 per month, on average. Drivers in the state pay $84 per month for full-coverage insurance and $55 per month for liability coverage. Your exact premium will depend on your insurer, driving record, age, credit history, vehicle type, chosen coverage level, and more.
Which company has the cheapest car insurance in Jacksonville?
Erie has the cheapest car insurance in Jacksonville, with monthly liability rates as low as $38. Nationwide and GEICO also offer affordable coverage, with respective monthly liability rates of $38 and $44.
But the cheapest insurer for you will depend on many factors, such as your age, ZIP code, the type of car you drive, and the coverage levels you choose.
What are the best car insurance companies in Jacksonville?
With an Insurify Quality (IQ) Score of 9.0 out of 10 and an AM Best financial strength rating of A+ (Superior), Erie is the best car insurance company in Jacksonville. Of the insurers Insurify has rate data for, other top Jacksonville choices include Direct Auto and Nationwide.
Is North Carolina a no-fault state?
No. North Carolina is an at-fault state, meaning that the driver at fault is responsible for paying the injured party’s expenses.
What are the penalties for driving without insurance in North Carolina?
Driving without insurance in North Carolina can lead to fines, a suspended license, and even jail time.
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.
Emily Guy Birken is a former educator, lifelong money nerd, and a Plutus Award-winning freelance writer who specializes in the scientific research behind irrational money behaviors. Her background in education allows her to make complex financial topics relatable and easily understood by the layperson.
Her work has appeared on The Huffington Post, Business Insider, Kiplinger's, MSN Money, and The Washington Post online.
She is the author of several books, including The 5 Years Before You Retire, End Financial Stress Now, and the brand new book Stacked: Your Super Serious Guide to Modern Money Management, written with Joe Saul-Sehy.
Emily lives in Milwaukee with her family.
Emily has been a contributor at Insurify since October 2022.
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.
Mark FriedlanderDirector, Corporate Communications, Triple-I
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.
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