Jacksonville, Florida, is known for doing things in a big way. Not only is it the largest city in The Sunshine State, but it also happens to be the largest city by land in the United States. Unfortunately, premiums for even the cheapest car insurance rates in Jacksonville are equally large — the annual premium for basic coverage averages $1,024 per year, well above the national cost of car insurance, which is $565 for a minimum coverage. If you are looking for a full coverage policy, it will cost you significantly more, with Jacksonville residents paying an average of $2,230 per year.
With Florida being one of the most expensive states for car insurance, finding cheap car insurance in Jacksonville can be a challenge. But with a little research and comparison shopping, finding more affordable coverage is possible. Not only is it possible to find cheaper rates, there are many car insurance companies offering a variety of coverage options, additional premium discounts and online tools to make your policy even easier to manage.
Best car insurance companies in Jacksonville
Criteria such as customer satisfaction, financial ratings, average rates and digital assets for policyholders were all reviewed to determine 2021’s best car insurance companies in Jacksonville with the cheapest rates. The coverage options and discounts available were also reviewed to capture the overall benefits for drivers in the Jacksonville area.
|Insurance company||J.D. Power Score for overall customer satisfaction in Florida region||AM Best financial rating||Average annual premium for minimum coverage||Average annual premium for full coverage|
|Allstate||851 / 1000||A+||$1,123||$2.416|
|Geico||846 / 1000||A++||$725||$1,903|
|Progressive||834 / 1000||A+||$1,319||$2,448|
|State Farm||826 / 1000||A++||$805||$1,754|
Allstate is known for making sure drivers are “in good hands” with the extensive number of policy customization options — even while on a tight budget. Allstate features coverage options you do not always find with other auto insurance carriers, including specialty areas like for drivers of classic cars, rideshare insurance, and even custom sound equipment coverage. Allstate also has a number of discounts to offset the somewhat higher premium average of $2,416. Accident forgiveness and Deductible Rewards® round out the options and can potentially lower your premiums.
Allstate has a strong financial outlook with an A+ AM Best rating and an equally impressive customer service rating. Allstate is the highest-ranking carrier in the Florida region included in the 2020 JD Power U.S. Auto Claims Satisfaction survey.
Geico offers Jacksonville residents a vast array of policy options, such as emergency roadside assistance and car rental reimbursement. Geico also has a mechanical breakdown option, which is similar to adding an extended warranty to your car and is not often available through other carriers. Discounts available are also wide-ranging, including multi-policy, homeownership, good grades and defensive driving. Jaxsons pay an average of $725 for a basic policy, but a full coverage option averages $1,903 in annual premiums.
Geico performs well with customer satisfaction and claims handling, with one of the highest rankings in the Southeast based on the 2020 JD Power U.S. Auto Claims Satisfaction survey. One of the reasons for high customer service marks is because of the tools for policy management, including a highly-rated app, website and 24/7 customer service. Geico has strong financial ratings and stability, including a superior AM Best A++ rating and an AA+ S&P Global Rating.
This is the most expensive on our list, but MetLife offers plenty of potential ways of save, which may lower the price tag. Discounts include savings for safety features, auto-pay, loyalty, and professional and organizational programs. There are also safe driver, good student, defensive driving and low annual mileage discounts. If you bundle your home and car insurance, MetLife will reward you with even more discounts.
Coverage is thorough and thoughtful, offering add-on protections like new car replacement, special parts replacement, and enhanced rental car damage coverage. Though it receives mediocre scores for customer satisfaction, MetLife receives a solid A (Excellent) rating from AM Best for financial stability, so it’s proof that the company honors its claims. MetLife also offers access to its repair and referral networks if you are in an accident.
Progressive average rates of $1,319 for basic coverage and $2,448 are above the typical average for Jacksonville drivers. Although rates are higher, Progressive offers standard options including car rental reimbursement and emergency roadside assistance and specialty coverage options such as gap insurance and custom sound equipment coverage, which are not often available through other carriers.
Progressive has strong financial ratings with an A+ from AM Best and an AA rating from S&P Global Index, which is another reason Progressive is a contender for best car insurance in Jacksonville.
State Farm offers some of the lowest rates of the carriers surveyed, with Jacksonville drivers paying an average of $805 annually with State Farm. A full coverage policy costs an average of $1,754. In addition to low rates, State Farm allows you to choose from a range of coverage options, including car rental reimbursement, roadside assistance and rideshare coverage. Using State Farm’s available discounts, such as defensive driver, multi-policy and good student, allows you to achieve maximum savings with your premiums.
State Farm offers more than cheap rates for drivers in Jacksonville. With a current A++ (Superior) AM Best rating and an AA rating from S&P Global, it has the financial strength you want to see with an insurance carrier. Technology and multiple online tools are available at your fingertips to manage your policy, plus the large agent network if you prefer working with a company in-person.
Cheapest car insurance in Jacksonville
The average cost of car insurance for full coverage policy in Jacksonville is $2,230 per year, which is slightly less than Florida’s statewide average of $2,364 per year. Fortunately, carriers like Geico, State Farm and Allstate offer even lower rates for drivers in Jacksonville. These three carriers all offer coverage options beyond the minimums, including comprehensive, collision, accident forgiveness, car rental reimbursement, and roadside assistance. Discounts are extensive too, with savings opportunities from taking defensive driving courses, earning good grades to club affiliations and home ownership.
Progressive is another option for cheap insurance, although the rates in Jacksonville are average for Floridians. Our top picks all have strong financial ratings and offer the technology (like highly-rated apps) to support easy policy management on the go. Not only are you getting competitive rates with these carriers, but each are well-positioned in the customer service ratings for the Florida region.
|Insurance company||Average annual premium for minimum coverage||Average annual premium for full coverage|
Jacksonville insurance requirements
To meet Florida’s minimum coverage requirements for residents, drivers must carry:
- Personal injury protection (PIP): $10,000. Also referred to as Florida No-Fault Insurance, this covers you, household members and car passengers that do not have their own PIP, regardless of who is at fault for the accident.
- Property damage liability (PDL): $10,000 per accident. This is coverage that pays for damages you or your household family members cause to someone else’s property in an accident.
Although it might be tempting to keep the minimum requirements on your policy to stay within your budget, some people decide getting more coverage is more financially secure for them in the long run. For example, the property damage liability requirement is $10,000 per accident. If you are involved in a car accident deemed your fault and you damage two or more cars, you could easily exceed the $10,000 minimum. You would be responsible for the difference and the amount could quickly balloon and cause additional financial hardship.
Car insurance discounts in Jacksonville
With Florida having some of the most expensive insurance premiums in the country, it pays to find as many discounts as possible. Look for the best car insurance discounts available in Jacksonville, such as:
- Defensive driving courses: If you take an online or in-person approved defensive driving course with Geico for instance, you could receive an additional 10%discount on your premiums.
- Policy bundling: If you have another policy with the same carrier, be sure to inquire about additional discounts by adding auto insurance.
- Multi-car: Adding more than one car to the policy brings additional savings. For example, with Progressive if you have more than one vehicle you receive an additional 10% discount.
- Good student: Teen drivers and college students can qualify for extra savings with good grades.
By maintaining a clean driving record, you might be eligible for a good driver discount. This discount is significant, saving around 26% for drivers who remain accident-free for a designated period of time.
Frequently asked questions
What is the best car insurance company?
Ultimately, the best car insurance company all depends on you and your needs.
Overall, Geico has the lowest rates for cheap car insurance in Jacksonville. Our picks for the best car insurance companies in Jacksonville are a great place to start the shopping process. In addition to the low rates, be sure to consider factors like financial strength and stability, digital policy management tools, and coverage options. Strong customer service ratings for the Florida region should also contribute to your decision. Be sure to receive several quotes, so you can compare options to find your best fit.
How much does car insurance in Jacksonville cost?
Car insurance in Jacksonville has an extensive range of rates. The average annual premium for a basic policy is $1,024, while a full coverage policy averages $2,230 per year.
Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a cleaning 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 coverages that meet each state’s requirements. Our sample drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.
These are sample rates and should be used for comparative purposes only. Your quotes may be different.