Cheapest Car Insurance Companies In Jacksonville, FL May, 2024
I believe that State Farm offers the best cheap car insurance in Jacksonville.
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
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 |
|
Cheapest Minimum Coverage |
833 |
$569 |
A++ |
Instant Quote |
| State Farm |
|
Cheapest Overall |
840 |
$1,210 |
A++ |
Instant Quote |
| Travelers |
|
Full Coverage |
818 |
$1,605 |
A++ |
Instant Quote |
| USAA |
|
Cheapest For Driving Violations |
884 |
$858 Increase After Violation |
A++ |
Instant Quote |
| Progressive |
|
Seniors |
810 |
$1,997 |
A+ |
Instant Quote |
| GEICO |
|
Young Drivers |
833 |
$1,094 |
A++ |
Instant Quote |
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.
Quotes Analyzed
Years Of Industry Experience
Brands Reviewed
Research Hours
Cheapest Car Insurance Companies In Jacksonville, FL
Cheapest Overall
Key Statistics
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
⇅- Usage-based insurance discount
- Many local agents across the country
- Good discount opportunities for teens and students ✓
- 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
Key Statistics
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
⇅- Cheap rates for full coverage
- Many coverage options are available
- One of the largest insurance providers in the U.S. ✓
- 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
Key Statistics
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
⇅- Highest J.D. Power rating for customer satisfaction
- One-stop shop for insurance, investing, and banking products ✓
- 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
Key Statistics
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
⇅- Above average J.D. Power score for customer satisfaction
- Robust website and mobile app
- Many discounts available ✓
- 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
Key Statistics
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
⇅- 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 ✓
- 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
Key Statistics
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
⇅- High policy limits available
- Highly-rated mobile app
- A+ rating from the Better Business Bureau (BBB) ✓
- 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
Looking For Cheap Car Insurance In Other Florida Cities?
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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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