Powered by Coverage.com (NPN: 19966249)
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Best cheap car insurance in Jacksonville for 2024
Powered by Coverage.com (NPN: 19966249)
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
The best car insurance companies in Jacksonville
To help drivers in Jacksonville choose the best insurance company for their needs, Bankrate’s insurance editorial team looked at top Florida car insurance companies to determine their strengths and weaknesses. We started by analyzing July 2024 premium data from Quadrant Information Systems. On top of average pricing data, we assigned each company a Bankrate Score based on a wide range of factors, including coverage options and discount availability as well as third-party ratings for financial strength and customer satisfaction. Based on these metrics, each company got a score out of a possible five points to quickly capture how well the best Jacksonville car insurance companies meet their customers’ needs.
Bankrate Score
Avg. min coverage premium
Min. coverage
Avg. full coverage premium
Full coverage
Why Progressive made our list: With the second-largest market share in the U.S. auto insurance market and a high Bankrate Score, Progressive is known for its budget-conscious offerings. For example, its Name Your Price tool lets you find a policy tailored to your desired budget. The company does not fare well in J.D. Power’s 2024 U.S. Auto Insurance Study, however, ranking below average in the Florida region.
Why Progressive may be best for digital policies: Progressive took the top spot for customer service in the 2024 J.D. Power U.S. Insurance Digital Experience Study, indicating that its focus on digital tools for policy management may be paying off for customers. Progressive’s mobile app, which allows policyholders to manage policy details, pay bills, access ID cards, report claims and summon roadside assistance, earns top marks from users, with an average of 4.7 stars across app stores.
| Bankrate Score | 4.4 |
| J.D. Power | 587/1,000 |
| AM Best score | A+ |
Bankrate Score
Avg. min coverage premium
Min. coverage
Avg. full coverage premium
Full coverage
Why Geico made our list: In our research, Geico showed average rates significantly below the Jacksonville average for both full and minimum coverage, making it a good potential choice for drivers seeking any level of coverage at a low price. Geico also performs above the regional average in the 2024 J.D. Power U.S. Auto Insurance Study. The company does not offer much in the way of customization or endorsements, though, so if you’re looking for a policy with unique features and coverage options, another carrier may be a better choice.
Why Geico may be best for discounts: On top of its low rates, Geico offers a long list of discounts with the potential to lower the cost of car insurance even more. Vehicle equipment like air bags and anti-theft systems could earn you a discount; so could taking a driving course, insuring multiple vehicles or getting good grades as a student. Geico is also one of a handful of auto insurance providers to offer dedicated discounts for military members and veterans.
| Bankrate Score | 4.4 |
| J.D. Power | 629/1,000 |
| AM Best score | A++ |
Bankrate Score
Avg. min coverage premium
Min. coverage
Avg. full coverage premium
Full coverage
Why State Farm made our list: State Farm, the largest U.S. auto insurer by market share, offers some of the most affordable rates for full and minimum coverage in Jacksonville. In addition to some of the cheapest average rates, State Farm also received the second-highest ranking for customer satisfaction in the Florida region from J.D. Power. State Farm does not offer gap insurance or accident forgiveness, however, so if either of those features are important to you, you may want to look for a different insurer.
Why State Farm may be best for local agents: Unlike carriers that prioritize digital sales over a traditional agent-customer relationship, State Farm balances the past and present with a strong agent network and top-rated digital tools. State Farm’s wide network of local agents in the Jacksonville area may make it an ideal choice for shoppers who prefer to do business with an agent rather than self-servicing their policy via an app.
| Bankrate Score | 4.3 |
| J.D. Power | 650/1,000 |
| AM Best score | A++ |
Bankrate Score
Avg. min coverage premium
Min. coverage
Avg. full coverage premium
Full coverage
Why Allstate made our list: Allstate offers competitive average rates in Jacksonville and also ranks well above average in the J.D. Power Auto Insurance Study. While Allstate does not have the least expensive average rates among the companies included on our list, it does offer both a driver training program tailored to teens to reduce accident risk, as well as Drivewise, a telematics program that could help safe drivers save.
Why Allstate may be best for bundled policies: Jacksonville drivers who own their home may want to bundle their auto insurance policy with their home insurance for greater savings. Allstate tied with USAA for the 2024 Bankrate Award for Best Home Insurance Company Overall, making it an option worth considering if you’re hoping to purchase car and home insurance from the same company.
| Bankrate Score | 3.9 |
| J.D. Power | 643/1,000 |
| AM Best score | A+ |
Bankrate's trusted insurance industry expertise
Read our full methodologyBankrate’s insurance editorial team is made up of licensed agents and other industry professionals with combined decades of experience advising drivers on insurance shopping decisions. To ensure that we’re bringing readers the most accurate and up-to-date information on auto insurance pricing in their area, we work with premium data from Quadrant Information Services and regularly update our data sources.
46
years of industry experience
122
carriers reviewed
34.5K
ZIP codes examined
1.2M
quotes analyzed
The cheapest car insurance companies in Jacksonville
According to our research, Geico, State Farm and Progressive are the cheapest car insurance companies in Jacksonville for state minimum coverage. If you’re looking for a cheap policy with full coverage, you may want to get quotes from Progressive, Geico and State Farm. Keep in mind that while these carriers may be the cheapest Florida insurers for an average adult driver with a clean record, your own rates might be different based on the unique risk factors in your driver profile.
| Insurance company | Average annual min coverage premium | Average annual full coverage premium |
|---|---|---|
|
$1,037
|
$2,162
|
|
|
$760
|
$2,615
|
|
|
$814
|
$2,725
|
|
|
$1,042
|
$3,887
|
How much is car insurance in Jacksonville, Florida?
The average cost of car insurance in Jacksonville, Florida is $3,193 per year, or $266 per month, for full coverage. For drivers seeking state minimum coverage only, the average cost is $929 per year or $77 per month.
Average Jacksonville full coverage car insurance rates are 40 percent more than the national average, and 7 percent less the Florida state average. However, rates can vary significantly based on individual rating factors such as driver age and driving record.
Jacksonville rates for teens
Teen drivers pay some of the highest rates for auto insurance in Jacksonville, since their lack of driving experience renders them a higher risk for insurance companies. The average cost of full coverage car insurance for a 16-year-old on their parents’ insurance in Jacksonville is $6,618 per year; the average cost for an 18-year-old driver on a standalone policy is $8,467 per year.
Researching teen car insurance discounts or keeping a teen on a family policy can help to reduce the cost of coverage. On average, a full coverage insurance policy in Jacksonville with an 18-year-old and two married parents costs only $5,881 — 31 percent less than a standalone policy for the same 18-year-old.
| Insurance company | 16-year-old* | 18-year-old* |
|---|---|---|
|
$1,657
|
$1,336
|
|
|
$1,835
|
$1,630
|
|
|
$1,847
|
$1,651
|
|
|
$1,899
|
$1,532
|
| Insurance company | 16-year-old* | 18-year-old* |
|---|---|---|
|
$4,333
|
$3,779
|
|
|
$5,426
|
$4,419
|
|
|
$5,855
|
$4,941
|
|
|
$5,949
|
$5,464
|
Jacksonville rates for young drivers
As drivers reach their twenties, insurance rates tend to dip gradually, with a more significant decrease after age 25. On average, a 20-year-old driver on a standalone full coverage policy pays $6,442 per year in Jacksonville, while a 25-year-old driver pays an average of $3,985 per year for the same coverage. Maintaining a clean driving record during this high-risk period can help to keep rates as low as possible.
| Insurance company | 20-year-old | 25-year-old |
|---|---|---|
|
$1,442
|
$956
|
|
|
$1,776
|
$1,004
|
|
|
$1,825
|
$1,346
|
|
|
$2,603
|
$1,270
|
| Insurance company | 20-year-old | 25-year-old |
|---|---|---|
|
$4,266
|
$2,941
|
|
|
$5,202
|
$3,316
|
|
|
$5,795
|
$3,391
|
|
|
$8,946
|
$4,780
|
Jacksonville rates for adults
Unlike teens and young adults, drivers between the ages of 30 and 50 typically pay lower rates for auto insurance, as they’re deemed more experienced and less of a risk for insurers. On average, a 30-year-old driver in Jacksonville pays $3,416 per year for full coverage auto insurance; a 50-year-old driver pays $3,098 per year, on average.
| Insurance company | 30-year-old | 40-year-old | 50-year-old |
|---|---|---|---|
|
$845
|
$760
|
$742
|
|
|
$871
|
$814
|
$820
|
|
|
$1,112
|
$1,042
|
$1,059
|
|
|
$1,241
|
$1,037
|
$1,124
|
| Insurance company | 30-year-old | 40-year-old | 50-year-old |
|---|---|---|---|
|
$2,657
|
$2,162
|
$2,358
|
|
|
$2,870
|
$2,615
|
$2,522
|
|
|
$2,979
|
$2,725
|
$2,790
|
|
|
$4,065
|
$3,887
|
$3,872
|
Jacksonville rates for senior drivers
Entering your senior years may mean the lowest car insurance rates of a lifetime for many drivers, as driving experience and less regular driving renders this age group fairly low risk. On average, we found that Jacksonville drivers pay around $2,965 per year for full coverage at age 60 and $3,198 per year at age 70. Some senior drivers may see their rates begin to climb again as they enter their mid-seventies due to potential health issues, including slower reaction times.
| Insurance company | 60-year-old | 70-year-old |
|---|---|---|
|
$708
|
$724
|
|
|
$795
|
$814
|
|
|
$1,021
|
$1,083
|
|
|
$1,096
|
$1,161
|
| Insurance company | 60-year-old | 70-year-old |
|---|---|---|
|
$1,096
|
$2,483
|
|
|
$708
|
$2,438
|
|
|
$795
|
$2,767
|
|
|
$1,021
|
$3,918
|
The cheapest car insurance in Jacksonville by driving record
Your driving record is among the most significant rating factors that insurance companies will take into account when setting your car insurance premium in Jacksonville. A single moving violation or at-fault accident can cause your rates to rise, and a pattern of repeated driving mishaps could earn you a “high-risk driver” label. If you’re struggling to find affordable coverage based on your record, you may need to work with a non-standard insurance provider.
Car insurance with a speeding ticket in Jacksonville
A speeding ticket conviction in Jacksonville will typically result in a premium increase when your auto insurance renews. On average, Jacksonville drivers with a single speeding ticket pay $3,686 per year for full coverage insurance, compared to $3,193 prior to their conviction. In other words, drivers with a single speeding ticket conviction typically pay 15 percent more for full coverage.
| Insurance company | Average min coverage rate | Average full coverage rate |
|---|---|---|
|
$1,031
|
$3,481
|
|
|
$1,069
|
$3,332
|
|
|
$1,110
|
$4,063
|
|
|
$1,483
|
$3,356
|
Car insurance after an accident in Jacksonville
Jacksonville drivers with a single at-fault accident on their driving record pay 35 percent more, on average, for full coverage than drivers with clean records. A driver who’s found at fault for an accident represents a greater risk to insurance companies, which charge an average of $4,317 per year for drivers with a single at-fault conviction.
| Insurance company | Average min coverage rate | Average full coverage rate |
|---|---|---|
|
$1,024
|
$3,432
|
|
|
$1,282
|
$3,826
|
|
|
$1,685
|
$3,809
|
|
|
$1,735
|
$5,695
|
Car insurance after a DUI in Jacksonville
Florida’s DUI penalties for a first offense include fines from $500 to $1,000, imprisonment for up to six months, license revocation for at least 180 days and vehicle impoundment. If you’re arrested for a DUI that involved property damage, bodily injury or a minor in the vehicle, or if you’ve had prior DUI convictions, additional penalties apply.
You’ll also see an impact on your auto insurance after a DUI conviction in Florida, with Jacksonville drivers paying average annual rates of $4,903 for full coverage and $1,607 for state minimum coverage after a single DUI conviction. Drivers with a single DUI pay 54 percent more for full coverage and 73 percent more for minimum coverage, on average, than drivers with clean records.
| Insurance company | Average min coverage rate | Average full coverage rate |
|---|---|---|
|
$1,220
|
$4,066
|
|
|
$1,332
|
$2,883
|
|
|
$1,410
|
$5,139
|
|
|
$1,533
|
$4,381
|
Minimum coverage requiremets in Jacksonville
Per Florida’s insurance law, all drivers in Jacksonville must carry a minimum of:
- $10,000 personal injury protection (PIP)
- $10,000 property damage liability per accident
Florida’s minimum insurance laws are unique in that drivers are not legally required to purchase bodily injury liability coverage, which is required in most states. However, drivers are still required to prove financial responsibility for accidents, and those who do choose to purchase bodily injury coverage must carry at least $10,000 per person and $20,000 per accident. Insurance companies must also offer uninsured motorist coverage, but drivers can decline it in writing.
However, the question of how much car insurance you need in Jacksonville is more complicated than simply checking the law. Most insurance experts advise carrying more than Florida’s minimum required limits, and your car’s loan or lease agreement may also require you to carry full coverage until you’ve paid off the vehicle. If you’re not sure how much insurance to buy, it may be helpful to speak with an insurance agent.
Frequently asked questions
Methodology
Bankrate utilizes Quadrant Information Services to analyze July 2024 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates are based on a single, 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $50,000 property damage liability per accident
- $100,000 uninsured motorist bodily injury per person
- $300,000 uninsured motorist bodily injury per accident
- $500 collision deductible
- $500 comprehensive deductible
To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers own a 2022 Toyota Camry, commute five days a week and drive 12,000 miles annually.
These are sample rates and should only be used for comparative purposes.
Incidents: Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), at-fault accident, single speeding ticket and single DUI conviction.
Age: Rates were calculated by evaluating our base profile with the ages 20-70 (base: 40 years) applied. Depending on age, drivers may be a renter or homeowner. Age is not a contributing rating factor in Hawaii and Massachusetts due to state regulations.
Teens: Rates were determined by adding a 16- or 18-year-old teen to their 40-year-old married parents' policy. The rates displayed reflect the total cost of a driver this age added to their parents’ policy.
Bankrate Score
Our 2024 Bankrate Score considers variables our insurance editorial team determined impacts policyholders’ experiences with an insurance company. These rating factors include a robust assessment of each company’s product availability, financial strength ratings, online capabilities and customer and claims support accessibility. Each factor was added to a category, and these categories were weighted in a tiered approach to analyze how companies perform in key customer-impacting categories.
Each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlighting where they fall short.
-
Cost & ratings 50%
-
Coverage & savings 30%
-
Support 20%
- Tier 1 (Cost & ratings): To determine how well auto and home insurance companies satisfy these priorities, average quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best, Demotech and the NAIC, were analyzed.
- Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated each company’s discount options listed on its website.
- Tier 3 (Support): To encompass the many ways an auto insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored a company’s corporate sustainability efforts.
