Best Cheap Auto Insurance in Jacksonville, Florida (2023)
Jacksonville, on Florida’s eastern coast, has higher-than-average car insurance premiums. So it’s important to compare quotes and find discounts for affordable coverage.
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Jacqueline has contributed content, and her personal finance passion, to dozens of noteworthy financial brands, including Credit Karma, Bankrate, and MagnifyMoney.
3+ years producing insurance and personal finance content
Main architect of the Insurify Quality Score
Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.
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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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 tend to spend less on full-coverage car insurance than other cities in Florida, with an average monthly quote of $457. However, this average is slightly higher than the state average of $445 a month for full coverage.
Your location, down to your ZIP code, affects insurance pricing. While Jacksonville has a history of slight brushes with hurricanes, smaller tropical storms and severe weather still cause property damage in the area.
Quick Facts
Jacksonville’s average full-coverage car insurance costs are 2% higher than the state average and 80% higher than the national average.
Liability-only insurance in Jacksonville costs an average of $343 a month.
Florida has lower insurance requirements than almost any other state, which can contribute to higher premiums.
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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.
Cheapest insurer for drivers with a speeding ticket: State Farm
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.
$75/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
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.
$77/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
Good communication
John - February 4, 2023
Verified
They offer the best rate.
Shannon - February 1, 2023
Verified
Any time I called them, they were on top of it and gave me an answer right away.
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.
$130/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 knowledgeable 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
Good company, but costs more for premiums
Patricia - February 1, 2023
Verified
My rate for auto insurance jumped approximately $100 after six months and I was unable to get a satisfactory explanation.
Burl - January 30, 2023
Verified
They’ve given good service, but there were times when things could have been handled a bit more professionally.
Cheapest liability-only car insurance in Jacksonville
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.
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: Monday, September 18 at 12:00 PM PDT.
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.
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
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 give 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.
Here are the cheapest full-coverage car insurance companies in Jacksonville, Florida.
The below rates are estimated rates current as of: Monday, September 18 at 12:00 PM PDT.
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.
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.
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]
Coverage
Minimum 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:
Collision coverage
This coverage protects your vehicle against damages resulting from collisions with other vehicles or objects, regardless of fault.
Comprehensive coverage
With this coverage, you’ll be protected against theft and damages caused by incidents other than collisions. This includes fire, vandalism, theft, falling objects, and natural disasters.
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.
Uninsured motorist coverage
If you’re in an accident that someone without car insurance causes, this coverage kicks in to pay for your damages and injuries.
Glass coverage
This type of coverage includes protection for windshield and glass damage. Some policies even offer no-deductible coverage for side windows, rear windows, and glass sunroofs.
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.
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Cheapest car insurance for drivers with a speeding ticket
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]
If you’re looking for the cheapest car insurance companies in Jacksonville for drivers with a speeding ticket on their record, refer to the table below.
The below rates are estimated rates current as of: Monday, September 18 at 12:00 PM PDT.
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.
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
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]
For Jacksonville drivers looking for the cheapest average car insurance quotes despite having an at-fault accident, the table below offers valuable insight.
The below rates are estimated rates current as of: Monday, September 18 at 12:00 PM PDT.
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.
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
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.[2]
It’s crucial to prioritize responsible and sober driving to maintain a clean driving record. If you’re searching for the cheapest average car insurance quotes for drivers with a DUI on their records in Jacksonville, refer to the table below.
The below rates are estimated rates current as of: Monday, September 18 at 12:00 PM PDT.
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.
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
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 75, premiums may increase slightly due to factors such as potential health issues and higher accident risks.[2]
Here are the lowest average quotes for senior drivers in Jacksonville, Florida.
The below rates are estimated rates current as of: Monday, September 18 at 12:00 PM PDT.
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.
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
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.
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.
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: Monday, September 18 at 12:00 PM PDT.
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.
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.
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.
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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Jacksonville car insurance quotes by credit tier
While Florida insurers can use credit scores when setting insurance rates, they can’t be the sole determinant for premiums.[4]Excellent or good credit scores can result in lower premiums for Jacksonville drivers, as they’re perceived as lower-risk. Conversely, poor credit scores may lead to higher premiums as they suggest 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 $253 per month for full coverage. However, Jacksonville residents face a surprisingly high average monthly premium of $457 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 city 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 cities 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 full-coverage insurance quotes across different Florida cities and compares them to Jacksonville.
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 $343 a month for liability-only coverage and $457 for full coverage.
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, Florida, teens pay between $219 and $1,791 per month for car insurance, according to Insurify data.
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 eastern coast and is susceptible to severe weather events, which increases the risk of property damage 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.
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.
3+ years producing insurance and personal finance content
Main architect of the Insurify Quality Score
Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.
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.
State Farm
GEICO
Allstate
