Cheapest Car Insurance Companies In Jacksonville, FL April, 2024

I believe that State Farm offers the best cheap car insurance in Jacksonville.

min read
Updated: 04 January 2024
Written by
Bob Phillips
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Jacksonville, which is Florida’s most populated city, is often referred to as the “Gateway to Florida,” is home to many transplants from the Northeast and snowbirds who have winter homes and condos on the beach. “Jax” is also home to thousands of cars, trucks, and other motor vehicles. Jacksonville car insurance shoppers are always interested in finding the cheapest car insurance combined with the best quality coverage. If that includes you, you’ve come to the right place.

Auto insurance costs an average of $1,736 per year in Jacksonville. That’s cheaper than the statewide average in Florida ($2,309) and more expensive than the national average of $1,548.

In this review, we’ll point you in the right direction to find not only the cheapest overall (State Farm) but also the cheapest for full coverage (Travelers), the cheapest for minimum coverage (GEICO), the cheapest if you have driving violations (USAA), and the cheapest for seniors (Progressive).

Cheapest Car Insurance Companies In Jacksonville, FL 2024

Best Car Insurance, Jacksonville 2024

Compare The Cheapest Car Insurance In Jacksonville, FL

Overall Rating Best For J.D. Power Rating (Florida) Average Annual Cost AM Best Rating Get A Quote
GEICO
4.9

Cheapest Minimum Coverage

833

$569

A++

Instant Quote
State Farm
4.9

Cheapest Overall

840

$1,210

A++

Instant Quote
Travelers
4.6

Full Coverage

818

$1,605

A++

Instant Quote
USAA
4.9

Cheapest For Driving Violations

884

$858 Increase After Violation

A++

Instant Quote
Progressive
4.9

Seniors

810

$1,997

A+

Instant Quote
GEICO
4.9

Young Drivers

833

$1,094

A++

Instant Quote
Scroll to see comparisons

Our Methodology

To find the cheapest car insurance rates in Jacksonville, we analyzed findings from numerous car insurance review sites, some of which analyzed rates from public filings obtained by Quadrant Information Services. We’ve used an average of those rates for this review, but each company’s rates change frequently and will vary based on your situation.

Also factored into the overall rating is my subjective opinion based on fifteen years of experience as a licensed insurance agent, fourteen years as a Florida resident, and over three decades of purchasing car insurance.

46

Quotes Analyzed

25+

Years Of Industry Experience

11

Brands Reviewed

20+

Research Hours

Cheapest Car Insurance Companies In Jacksonville, FL


Cheapest Overall

Overall Rating
4.9

Key Statistics

10/10 Affordability
9/10 Customer Reviews
9/10 Claims/payouts
9/10 Coverage Level

Why We Like Them

When reviewing the cheapest car insurance in Jacksonville, Florida, we found State Farm to be competitive in all categories, but their average rate, which includes minimum and full coverage, was the cheapest overall.

State Farm has insured vehicles for almost a century and has the most local neighborhood offices of any insurer in the U.S. It offers several features and unique options that drivers can take advantage of:

A variety of coverage options: drivers can purchase standard coverage as well as rental car reimbursement, roadside assistance, travel expense insurance, and rideshare insurance.

Telematics program: remotely monitors an insured’s driving habits and discounts rates for those practicing safe driving habits. The program is geared towards bringing down costs for individuals with limited driving experience.

Strong industry and customer service reputation: State Farm has the highest AM Best ratings for financial strength (A++ Superior) and strong ratings in J.D. Power’s studies of insurers doing business in Florida.

Benefits & Drawbacks

Benefits
  • Usage-based insurance discount
  • Many local agents across the country
  • Good discount opportunities for teens and students
Drawbacks
  • Higher annual rates for drivers with poor credit

Cheapest Overall Rates In Jacksonville

Company Rate Per Year
GEICO $1,094
State Farm $1,210
Nationwide $1,468
Progressive $1,997
Farmers $2,039
Allstate $2,145

Cheapest For Full Coverage

Overall Rating
4.8

Key Statistics

10/10 Affordability
7/10 Customer Reviews
8/10 Claims/payouts
8/10 Coverage Level

Why We Like Them

Travelers came out on top when it came to having the cheapest full coverage in Jacksonville. Full coverage is considered:

  • $100,000 bodily injury liability coverage per person
  • $300,000 bodily injury liability coverage per accident
  • $50,000 property damage liability coverage per accident
  • $100,000 uninsured motorist bodily injury coverage per person
  • $300,000 uninsured motorist bodily injury coverage per accident
  • Collison coverage with a $1,000 deductible
  • Comprehensive coverage with a $1,000 deductible

Travelers is one of the most well-known names in the insurance industry. It’s among the largest providers of car insurance in the U.S. and is popular with many people who want to work with an independent agent and buy multiple products from one insurer.

Travelers stands out in a couple of areas. First, Travelers offers gap insurance which protects your auto lease or loan if your car is totaled before it’s paid off or the lease is up. Travelers pays the difference between your loan’s balance and your car’s value when it’s totaled.

Second, the Travelers’ Responsible Driver Plan forgives one accident and one minor violation over a specified period, so your rates won’t be increased after a ticket or accident.

Benefits & Drawbacks

Benefits
  • Cheap rates for full coverage
  • Many coverage options are available
  • One of the largest insurance providers in the U.S.
Drawbacks
  • Below-average customer satisfaction ratings
  • No rideshare insurance available in Florida

Cheapest Full Coverage In Jacksonville

Company Rate Per Year
GEICO $1,860
Travelers $1,423
State Farm $1,986
Farmers $2,110
Progressive $2,226
Allstate $2,511

Cheapest For Driving Violations

Overall Rating
4.9

Key Statistics

10/10 Affordability
10/10 Customer Reviews
9/10 Claims/payouts
9/10 Coverage Level

Why We Like Them

If you’ve every been pulled over and ticketed, you’ve undoubtedly received a rate increase from your auto insurer, particularly if you were a younger driver. And, the more serious the offense (DUI, DWI, reckless driving, etc.), the larger your rate increase probably was.

USAA is the most forgiving when it comes to raising rates after a driver receives a speeding ticket, is involved in an at-fault accident, or is found guilty of driving under the influence (DUI). Drivers with a history of driving violations have seen their rates with USAA increase, but not nearly as much as other auto insurers.

USAA offers standard liability coverage and comprehensive and collision insurance like other auto insurers. The company also provides some of the most common add-on auto insurance coverages: roadside assistance, rental car and travel reimbursement, and accident forgiveness.

However, USAA is only available for active military personnel, veterans, and their families.

Benefits & Drawbacks

Benefits
  • Highest J.D. Power rating for customer satisfaction
  • One-stop shop for insurance, investing, and banking products
Drawbacks
  • Only provides insurance to veterans, active military personnel, and their family members

Cheapest For Rate Increase After A Driving Violation

Company Annual Increase
USAA $991
State Farm $1,536
Allstate $1,910
GEICO $1,997
MetLife $2,112

Cheapest For Minimum Coverage

Overall Rating
4.9

Key Statistics

10/10 Affordability
9/10 Customer Reviews
9/10 Claims/payouts
9/10 Coverage Level

Why We Like Them

In Jacksonville, we found that GEICO offers the cheapest state minimum coverage on average. Florida requires drivers to carry a minimum of $10,000 in property damage liability insurance and $10,000 in personal injury protection (PIP). Florida drivers aren’t required to carry bodily injury liability coverage.

GEICO consistently scores high in customer service, claims handling, customer recommendations, policy renewals, and customer loyalty. It is the second-largest auto insurance company in the U.S. and is known for offering low rates to consumers online and over the phone.

GEICO offers plenty of discounts and is the most affordable for Jacksonville drivers with older vehicles looking to cut costs by carrying Florida’s minimum mandatory auto insurance coverage. You can manage your policy through the company’s website and mobile app, which are known to be user-friendly.

Benefits & Drawbacks

Benefits
  • Above average J.D. Power score for customer satisfaction
  • Robust website and mobile app
  • Many discounts available
Drawbacks
  • Does not offer gap or rideshare insurance
  • Has a limited number of local agents

Cheapest For Minimum Coverage

Company Rate Per Year
GEICO $568
State Farm $652
Mercury $759
Farmers $963
Mercury $1,097

Cheapest For Seniors

Overall Rating
4.9

Key Statistics

9/10 Affordability
8/10 Customer Reviews
8/10 Claims/payouts
9/10 Coverage Level

Why We Like Them

Senior drivers typically pay some of the cheapest car insurance rates in Jacksonville for any age group. We found Progressive to have the lowest rates for seniors.

Progressive is the third-largest auto insurance company in the country and offers a lengthy list of discounts and a wide range of coverage, including rideshare insurance and coverage for pets injured in a car accident. It also provides coverage types that many other insurers don’t, including gap and rideshare insurance.

Progressive is also loyal to its long-term policyholders. Drivers who have been with Progressive for five years or more with no accidents won’t get premium increases for larger claims. Customers can also purchase accident forgiveness insurance and have more than one wreck forgiven.

Benefits & Drawbacks

Benefits
  • Third-largest personal auto insurer in the U.S.
  • Helps pay vet bills if your animal is injured in a car accident
  • Rideshare coverage is available
Drawbacks
  • Below-average ratings for customer satisfaction from J.D. Power
  • Available from a limited number of agents

Cheapest Coverage For Seniors

Company Rate Per Year
Progressive $1,960
Travelers $1,538
Mercury $1,587
Allstate $2,126
Farmers $2,216
Liberty Mutual $3,317

Cheapest For Young Drivers

Overall Rating
4.9

Key Statistics

10/10 Affordability
9/10 Customer Reviews
9/10 Claims/payouts
9/10 Coverage Level

Why We Like Them

Young drivers in Jacksonville pay the highest rates for car insurance because of their inexperience as drivers and the higher odds of being in a driver involved in a car accident.

By far, GEICO offers the lowest rates in Jacksonville for young drivers, with an average premium of $3,451. While this is the lowest you’ll find for teen drivers and those in their early 20s, it can still be a struggle to afford.

Fortunately, GEICO is also very generous when it comes to discounts. Young drivers can quality for discounts like their good student discount of up to 15%, as well as a safe-driver discount of up to 22% for being accident-free, and a new car discount for having a vehicle three model years old or newer.

Young drivers that have taken a driver’s education class in school or a defensive driving course can also receive discounts.

Benefits & Drawbacks

Benefits
  • High policy limits available
  • Highly-rated mobile app
  • A+ rating from the Better Business Bureau (BBB)
Drawbacks
  • Does not offer gap insurance

Cheapest For Young Drivers

Company Rate Per Year
GEICO $3,853
Direct General $3,863
State Farm $3,590
Progressive $4,762
MetLife $5,563

Average Cost Of Car Insurance In Jacksonville

Average Cost Of Car Insurance In Jacksonville– By Age

Age Group Average Yearly Rate
Teenagers $5,138
20s $1,570
30s $1,440
40s $1,370
50s $1,664
60s $2,073
70s $2,540

Average Cost Of Car Insurance In Jacksonville – By Gender

Gender Average Annual Rate
Male $2,268
Female $2,292

Average Cost Of Car Insurance In Jacksonville – By Marital Status

Marital Status Average Annual Rate
Single $2,171
Married $2,171
Divorced $2,249
Widowed $2,188

Average Cost Of Car Insurance In Jacksonville – By Accident And Violation History

Violation Average Annual Premium
DWI/DUI $3,289
Reckless Driving $3,360
At-Fault Accident (damage <$1,000) $3,081
At-Fault Accident (damage >$2,000) $3,081
Speeding (16-20 MPH > limit) $2,811

Average Cost Of Car Insurance In Jacksonville – By Credit Tier

Very poor: $4,406
Fair: $2,785
Good: $2,266
Very good: $2,080
Exceptional: $1,858

Average Cost Of Car Insurance In Jacksonville – By Zip Code

ZIP Code Average Rate
32099 $2,272
32202 $2,341
32204 $2,363
32205 $2,418
32206 $2,462
32207 $2,502

Minimum Car Insurance Requirements In Florida

As you shop for car insurance, keep in mind the minimum coverage required in Florida:

  • Property damage liability per accident: $10,000
  • Personal injury protection: $10,000

This is the minimum coverage required in Florida. You may want higher limits and add collision and comprehensive insurance, depending on your vehicle and how much time you spend on the road.

How To Buy Car Insurance In Jacksonville

If you’re buying car insurance in Jacksonville, follow these five steps for a hassle-free buying experience:

1.     Determine which type of car insurance you need. Do you need minimum coverage, full coverage, or something in-between? Take into account the value of your vehicle and the amount of driving you do annually.

2.     Have your personal and vehicle information handy. You’ll need information such as your driver’s license number, social security number, your Vehicle Identification Number (VIN), and the number of miles currently on your vehicle.

3.     Get quotes from at least three companies. Make sure you’re comparing similar coverage amounts and limits.

4.     Make your decision and buy your policy. Try not to buy on price alone, though the best carrier for you may be the cheapest.

5.     Cancel your old policy. Your new insurance company can’t cancel your old policy for you; you have to do it. But don’t cancel until you’re sure your new coverage is active.

Factors That Impact The Cost Of Your Car Insurance Policy In Jacksonville

Insurance companies use many factors to arrive at your cost of auto insurance in Jacksonville, such as:

State requirements: your policy must have at least the minimum coverage required by the state of Florida, which is $10,000 in damage liability and $10,000 in personal injury protection (PIP).

Your age: younger drivers will pay the most due to inexperience and their higher frequency of accidents. You’ll see your rates begin to drop after you turn 25.

Your car’s make and model: the safer your vehicle, the lower your rates will be. A late-model Toyota Corolla will cost substantially less to insure than a Chevrolet Corvette.

Your driving record: past accidents and traffic violations can cause your car insurance rates to significantly increase because you’re more likely to file a claim in the future.

Yearly mileage: people with long commutes pay more than those who drive less often.

Credit history: the higher your credit score, the lower your rates will be.  Insurers have found that people with higher scores file fewer claims.

Zip code: depending on where you work and park your car at night, you might get a discount or a rate increase, depending on the likelihood of your vehicle being vandalized or damaged.

Marital status: married drivers get lower rates than single drivers.

Gender: men around age 45 pay an average of 6% lower than females the same age, but the gender gap evens out for drivers in their 30s.

Florida Car Insurance Laws To Know

Drivers in Florida are required to have a minimum of $10,000 in property liability insurance and $10,000 in personal injury protection (PIP).

Florida is a no-fault state. No-fault insurance requires insurance companies to cover medical costs, regardless of who is at fault in an accident.

In The News

According to the Dallas Morning News, people across Florida are already facing financial headaches due to higher costs across the board, with the highest inflation in 40 years.

But they are also dealing with the highest annual increase in auto insurance rates in at least 20 years.

Auto insurance rates in Florida soared an average of 23.8% in 2022, eight times higher than in 2021 and the highest annual increase in at least 20 years, according to the Florida Department of Insurance. In addition, homeowners insurance rates in Florida rose an average of 10.8% last year, the highest annual gain since 2012.

Information About Jacksonville

Jacksonville is distinguished by its growing population, strong economy, diverse culture and recreational opportunities, and abundant natural resources, making it one of the nation’s most dynamic cities. At 874 square miles, Jacksonville is the largest city by land area in the continental United States.

The 12th largest U.S. city by population, Jacksonville has one of the lowest overall costs of living in Florida. It offers numerous tax advantages, with no corporate franchise tax, state personal tax, inventory tax, or foreign income tax. Multiple universities and three area naval bases drive a diverse and highly skilled labor force.

Car Insurance Discounts In Jacksonville

Car insurance in Jacksonville is less expensive than in some other major cities in Florida, like Tampa and Miami, but shopping for discounts is important if you want to cut costs. The most common discounts you can get are for the following:

  • Having a good driving history
  • Installing vehicle safety features
  • Customer loyalty
  • Being claims-free
  • Driving fewer than average miles
  • Being a student with at least a “B” average
  • Military discount
  • Senior discount

FAQs

What is the cheapest car insurance in the State of Florida?

GEICO has the cheapest car insurance in Florida at $437 per year for minimum liability coverage.

How much does car insurance cost in Jacksonville on average?

The average cost of car insurance in Jacksonville is $2,562 annually for full coverage. Minimum coverage in Jacksonville averages $1,121 per year.

Do I need car insurance in Jacksonville?

Auto liability insurance is required by law in Florida, so Jacksonville drivers must carry it.

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