Cheapest Car Insurance In Jacksonville, FL 2025
Jacksonville drivers can get the cheapest minimum coverage car insurance from State Farm, which costs around $70 per month.
We’ve saved shoppers an average of $600 per year on their car insurance.
In Jacksonville, FL, car insurance prices fluctuate, making the search for the cheapest option a bit tricky.
State Farm takes the top spot for budget-friendly liability coverage, while GEICO leads in full coverage affordability. Young drivers, however, get the best rates with GEICO.
Cheapest Car Insurance Companies In Jacksonville, FL 2025
Cheapest Liability-only Car Insurance In Jacksonville: State Farm
For those seeking low-cost minimum coverage in Jacksonville, State Farm is the most affordable choice, with a monthly average of $70.
Use the chart below to see how insurance rates vary among different companies.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $70 | $840 |
| Allstate | $120 | $1,440 |
| GEICO | $73 | $876 |
| Mercury | $162 | $1,944 |
| Progressive | $180 | $2,160 |
Cheapest Full Coverage Insurance Rates In Jacksonville: GEICO
GEICO leads in affordability for full coverage auto insurance in Jacksonville, with monthly rates averaging $86.
The table below showcases estimated auto insurance costs from reasonably priced insurers in Jacksonville.
| Provider | Average Monthly Cost | Average Annual Cost |
| GEICO | $86 | $1,032 |
| Allstate | $154 | $1,848 |
| Progressive | $270 | $3,240 |
| Travelers | $180 | $2,160 |
| Foremost | $310 | $3,720 |
Cheapest Car Insurance Rates For Seniors: State Farm
The lowest-cost car insurance for seniors in Jacksonville is from State Farm, with an average monthly rate of $63.
Find a comparison of budget-friendly car insurance quotes for seniors in the table below.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $63 | $756 |
| Mile Auto | $115 | $1,380 |
| Travelers | $143 | $1,716 |
| Progressive | $194 | $2,328 |
| Allstate | $123 | $1,476 |
Cheapest Rates In Jacksonville For Teenagers: State Farm
Jacksonville teen drivers can secure the most cost-effective car insurance from State Farm, where premiums average $154 a month.
Find a list of the lowest-cost insurance providers for teenage drivers in the table below.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $154 | $1,848 |
| Travelers | $330 | $3,960 |
| Progressive | $468 | $5,616 |
| Direct Auto | $542 | $6,504 |
| Allstate | $277 | $3,324 |
Cheapest Auto Insurance For Young Adults in Jacksonville: GEICO
Those in Jacksonville looking for affordable car insurance as young adults will find the best deals with GEICO at $69 monthly.
Find the best-priced car insurance rates for young adults in Jacksonville by using the table below.
| Provider | Average Monthly Cost | Average Annual Cost |
| GEICO | $69 | $828 |
| 21st Century | $174 | $2,088 |
| Liberty Mutual | $124 | $1,488 |
| State Farm | $180 | $2,160 |
| Direct Auto | $237 | $2,844 |
Cheapest Car Insurance In Jacksonville For Good Drivers: State Farm
If you’re a good driver in Jacksonville, State Farm provides the most affordable insurance, averaging $70 per month.
Good drivers looking for affordable coverage can find average insurance quotes in the table below.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $70 | $840 |
| Allstate | $120 | $1,440 |
| GEICO | $73 | $876 |
| Mercury | $162 | $1,944 |
| Progressive | $180 | $2,160 |
Find affordable Jacksonville rates
Cheapest Car Insurance In Jacksonville After A Speeding Ticket: State Farm
With an average monthly premium of $110, State Farm is a cost-effective insurance option in Jacksonville for those with a speeding violation.
Check out the table below to see how much drivers with a speeding ticket typically pay for insurance.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $110 | $1,320 |
| Progressive | $330 | $3,960 |
| Travelers | $220 | $2,640 |
| National General | $330 | $3,960 |
| Allstate | $185 | $2,220 |
Cheapest For Drivers With After At-Fault Accident: GEICO
If you’re at fault in an accident, State Farm offers the lowest insurance rates, averaging $110 per month.
If you’ve been in an at-fault accident, these companies have the cheapest car insurance rates available.
| Provider | Average Monthly Cost | Average Annual Cost |
| GEICO | $110 | $1,320 |
| Mercury | $287 | $3,444 |
| Travelers | $236 | $2,832 |
| Progressive | $354 | $4,248 |
| Allstate | $198 | $2,376 |
Cheapest Rates In Jacksonville For Drivers After A DUI: GEICO
The cheapest car insurance option for Jacksonville drivers after a DUI comes from GEICO, with premiums averaging $112 per month.
Check out the table below for the best-priced insurance policies for DUI drivers in Jacksonville.
| Provider | Average Monthly Cost | Average Annual Cost |
| GEICO | $112 | $1,344 |
| Progressive | $423 | $5,076 |
| Mercury | $304 | $3,648 |
| Direct Auto | $465 | $5,580 |
| Allstate | $240 | $2,880 |
Best Car Insurance Companies In Jacksonville
If cost is your priority, State Farm has the lowest insurance rate in Jacksonville at $70 per month, while GEICO and Mile Auto follow at $73 and $112.
These are the top 10 car insurance companies in Jacksonville, FL, listed in order of their average monthly rates.
| Company | Monthly Premium |
| State Farm | $70 |
| Allstate | $120 |
| GEICO | $73 |
| Mercury | $162 |
| Progressive | $180 |
| Mile Auto | $112 |
| Direct Auto | $156 |
| Root | $168 |
| National General | $262 |
| Dairyland | $235 |
Average Auto Insurance Rates In Jacksonville – By Age
Insurance companies factor in age when setting premiums, and younger drivers typically pay the most. Due to their inexperience, teens can expect annual rates of about $7,945.
As drivers approach 25, their insurance premiums typically decline, as long as they have avoided accidents and tickets.
Insurance companies reward experience by offering their lowest rates to drivers in their 50s and early 60s, using age as a measure of risk.
| Age | Average Yearly Rate |
| Teenagers | $7,945 |
| 20s | $5,000 |
| 30s | $3,229 |
| 40s | $2,978 |
| 50s | $2,584 |
| 60s | $2,362 |
| 70s | $2,722 |
Average Rates In Jacksonville – By Vehicle
Auto insurance companies determine rates based on vehicle details like make, model, and year. Generally, newer and luxury cars with costly repairs and advanced features have higher premiums.
The following table displays average car insurance costs in Jacksonville for various vehicle types.
| Vehicle | Average Monthly Rate |
| Nissan Altima | $153 |
| Hyundai Sonata | $432 |
| Toyota Corolla | $215 |
| Honda CRV | $208 |
| Nissan Rogue | $138 |
How Much Is Car Insurance In Other Cities in Florida?
Your insurance costs depend on your city, as providers analyze accident data, theft frequency, and vandalism rates. High-risk locations, such as major cities, often face higher premiums.
Car insurance premiums in Sunrise average $380 per month, significantly higher than the $176 monthly average in Gainesville.
| City | Average Monthly Rate |
| Sunrise | $380 |
| Lake City | $200 |
| Hallandale Beach | $310 |
| Daytona Beach | $181 |
| Apopka | $215 |
| Gainesville | $176 |
| Pinellas Park | $223 |
| Fort Myers | $194 |
| Kissimmee | $220 |
| West Palm Beach | $280 |
Average Cost Of Auto Insurance In Jacksonville – By Zip Code
Since insurers consider crime rates when setting premiums, car insurance costs differ based on your zip code.
Look at the table below to see how insurance rates vary by zip code in Jacksonville.
| Zip Code | Average Monthly Rate |
| 32210 | $316 |
| 32208 | $270 |
| 32225 | $273 |
| 32202 | $206 |
| 32226 | $294 |
Find affordable Jacksonville rates
Our Methodology
I’ve carefully assessed Jacksonville, FL car insurance providers using factors such as service quality, pricing, coverage options, and insights from online user reviews.
Quotes Analyzed
Years Of Industry Experience
Brands Reviewed
Research Hours
FAQs
Who has the lowest car insurance rates in Jacksonville?
State Farm provides the cheapest state-minimum coverage in Jacksonville, while GEICO offers the most affordable full coverage, which includes both comprehensive and collision insurance.
What is the average cost of car insurance in Jacksonville?
The monthly cost of car insurance in Jacksonville averages $300, but individual rates fluctuate depending on location, vehicle year and model, and driving history.
Related Content
Will My Insurance Cover Car Wash Damage? How Much Is Car Insurance? Types Of Car Insurance
Auto Insurance In Your Area
SR22 Insurance California Cheapest Car Insurance For College Students In Florida Car Insurance Peoria IL
