Updated: October 16, 2024
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The best car insurance provider in Jacksonville varies based on your needs and driving profile. GEICO is the best for full coverage and minimum coverage policies, as well as for senior drivers. Travelers ranks highly for customer service and new car owners, while State Farm is the best for young adults and those with a traffic violation. Nationwide is the best option for teens.
MoneyGeek also reviewed the cheapest auto insurance providers in Jacksonville.
BestCar InsuranceJacksonvilleTable of Contents (Jump to Your Best Fit)
Why Trust MoneyGeek? Our rankings are based on information and data from reliable sources like Quadrant Information Services and the Florida Office of Insurance Regulation. We also reviewed affordability, claims management, financial stability, essential coverages and customer satisfaction scores for different insurers based on our unique scoring system.
These companies offer the best overall car insurance policies in Jacksonville if you are looking for full coverage:
GEICO is our pick for the best overall insurer for combining exceptional service with low premiums. The insurer scored perfectly on affordability and is the second best for customer satisfaction, so you will not have to trade cost for customer service.
State Farm ranks second overall in Jacksonville but is the best auto insurance carrier in Florida, earning 89 out of 100 in our scoring system.
How was this MoneyGeek score calculated?
MoneyGeek’s score for the overall best car insurance was calculated with the following weights:
Offers the lowest premium for full coverage
Has the second-best customer satisfaction rating
Classic car insurance and mechanical breakdown insurance are available to interested policyholders
Low claims score
Lower coverage score
No gap insurance, deductible modification and new car replacement coverage
Based on our analysis, GEICO offers the best auto insurance premiums in Jacksonville, averaging $1,092 per year. The insurer had the second-best customer satisfaction, making it a perfect option for exceptional customer experience. Although GEICO lacks some common add-on coverage options, such as new car replacement coverage, it offers unique add-on options, like mechanical breakdown coverage, to its policyholders.
With mechanical breakdown insurance added to your policy, you can find better services for your car than an ordinary manufacturer’s warranty. The insurer will pay to replace or repair parts and systems damaged in a covered loss. You only qualify for this coverage if your car is not more than 15 months old and has covered a mileage of 15,000 or less.
If you have a classic car, you may also purchase classic car insurance coverage at an extra cost.
GEICO is the best option of the nine we evaluated if you need an insurer that blends low premiums with a wonderful customer experience. Policies from this insurer average about $1,092 yearly, the cheapest in Jacksonville. GEICO also comes second after State Farm on customer satisfaction and is more likely to offer you a better user experience than other insurers evaluated by MoneyGeek.
The average costs in this study are for full coverage car insurance policies. Insurers that lacked sufficient data across the individual ranking components did not qualify for an overall score in our scoring system.
| GEICO | 75 | $1,092 | 4 | 2 | 3 | 5 |
| State Farm | 73 | $1,199 | 4 | 2 | 3 | 5 |
| Travelers | 66 | $1,605 | 4 | 3 | 4 | 5 |
| Nationwide | 65 | $1,459 | 3 | 2 | 4 | 4 |
| Mercury | 57 | $1,701 | 3 | 2 | 3 | 3 |
| Progressive | 54 | $1,991 | 3 | 2 | 4 | 4 |
| Farmers | 50 | $2,038 | 3 | 2 | 4 | 3 |
| Allstate | 48 | $2,145 | 3 | 2 | 4 | 4 |
| Direct General Insurance | 32 | $2,396 | 3 | 0 | 3 | 4 |
If customer service overrides cost as a priority in your search for the best auto insurance policy in Jacksonville, you may consider the following providers for a full coverage policy:
Travelers’ two highest individual scoring categories included satisfaction and coverage options. When it comes to affordability, policies from this insurer are the fourth lowest out of nine companies, so you pay average rates for great service.
How was this MoneyGeek score calculated?
MoneyGeek’s score for Best for Customer Service was calculated with the following weights:
Good customer satisfaction score
Ranked well for coverage options
Has accident forgiveness, roadside assistance and rental car or travel reimbursement coverage
Average rates
Below-average claims score
No deductible modification coverage
If you value customer service over cost, Travelers offers the best service of the nine providers we researched. The insurer’s policies are averagely priced, and you may get the best service through some of its common add-on coverage options.
You may continue paying the same premium for your policy after your first at-fault accident, thanks to the Travelers’ Responsible Driver Plan accident forgiveness coverage. If you are in an accident and your car's repair takes more than 24 hours, the insurer’s extended transportation expenses coverage can pay the cost of a car rental.
Travelers also has roadside assistance to ensure stranded drivers experiencing common issues like a dead battery find assistance at its expense. You may consider adding this coverage to your policy at an added cost.
Exceptional customer service is essential during stressful situations such as claims filing after an accident. An insurer with good customer service will quickly resolve your complaints and queries and process your claims with the necessary promptness.
Travelers had high scores from NAIC and J.D.Power, meaning it is more likely to address your concerns efficiently. While State Farm had the highest customer satisfaction scores, it had one of the lowest claims management ratings.
For a minimum coverage auto insurance policy, our analysis shows that the following companies offer the best cheap coverage for Jacksonville drivers based on affordability and customer service ratings:
Minimum coverage car insurance requirements in Florida are the same for all the cities in this state. Despite being the cheapest, these policies offer the least protection. Drivers who need more coverage may need to consider policies that offer higher limits. Plus, unlike full coverage auto insurance, liability-only policies do not cover your car’s damages in an accident.
How was this MoneyGeek score calculated?
MoneyGeek’s score for the Best Cheap company was calculated with the following weights:
An affordable minimum coverage policy costs $407 per year
Second-best insurer for customer satisfaction
Offers safe driving, multiple car, airbag and bundling discounts
Ranks below average for claims management
Limited coverage options
No full payment and paperless payment discounts
GEICO combines the lowest average premiums and good customer satisfaction with regular and unique discounts, which make it our top pick for the best cheap auto insurance in Jacksonville.
You can save money on your premium if you bundle your car insurance policy with home, mobile home, renters or condo insurance. Having a claims-free record also makes you eligible for a premium reduction, as well as having an airbag installed in your vehicle. You can further lower your costs if you insure more than one car with GEICO.
This insurer also offers various rare discounts, including one for individuals with daytime running lights. You even qualify for a price reduction for constantly having your seatbelt on and having anti-lock brakes. Teachers and military members can also get discounts from GEICO.
The best insurers for cheap coverage offer low rates without compromising service quality. GEICO balances a perfect score on pricing and the second-best customer satisfaction rating, according to J.D.Power’s ratings. This means you will receive exceptional customer experience while paying lower costs at GEICO than most insurers in our study. Although State Farm ranked better for customer satisfaction, it had higher premiums than GEICO, making it the runner-up.
The following insurers offer the best auto insurance for young drivers seeking a full coverage policy in Jacksonville:
State Farm offers the best average premiums in the city for drivers in their 20s. It also scored the highest on customer satisfaction, which implies that young drivers can trust the insurer to handle their questions and complaints efficiently.
How was this MoneyGeek score calculated?
MoneyGeek’s score for Best for Young Adults was calculated with the following weights:
Highest scorer on affordability, charging an average of $1,433 per year
Offers excellent customer satisfaction
Offers good student, driver’s education and distant student discounts
Rated below average on claims experience
Lower coverage score
State Farm tops our list of insurance providers for drivers in their 20s. It has the lowest average premium and highest customer satisfaction score. If you are a student, you may also benefit from the insurer’s array of discounts for eligible young drivers, including the distant student, driver’s education and good student discounts.
If you are under 25 years old, study away from home and rarely use your car, you are eligible for a distant student discount from this insurer. You can even pay lower costs if you are 21 or younger and have completed an approved driver’s education course. You also get a discount if you are a student earning a 3.0 GPA, a B average or rank among the top 20% in your class.
State Farm’s roadside assistance and rental car reimbursement coverage may also help cover expenses and offer essential benefits to young drivers.
For young drivers, the best auto insurance provider offers excellent coverage options, rates and unmatched customer service in addition to relevant discounts. With State Farm, you will find the lowest rates and the highest level of customer satisfaction compared with other insurers. Various discounts are also available for young drivers.
The runner-up, GEICO, offers discounts like the driver’s education discount but costs more than State Farm. It also ranked second for customer satisfaction.
The best cheap auto insurance for teens in Jacksonville who are added to a full coverage family policy are:
Nationwide ranked highly for affordability and coverages, which are important for teens who are expensive to insure but need adequate financial protection on the road.
Teens can save money by joining a family policy instead of purchasing a separate policy. A 16-year-old male teen in Jacksonville can save $4,940 if they are added to a family policy vs. getting an individual policy.
How was this MoneyGeek score calculated?
MoneyGeek’s score for Best for Teens was calculated with the following weights:
Affordable family policies costing around $3,068 annually
Great coverage options
Has a good student discount
Poor claims management rating
Lower customer satisfaction score
Offers no distant student or driver’s education discount
Since auto insurance rates for teens may be higher than the average driver, affordability is one of the considerations to make while choosing a policy for this age group. Our selection for the best insurer in this category is Nationwide, which ranked first for affordability.
Nationwide offers several discounts, with some applying to teenage drivers. For instance, you can get a discount if you are a student with a B average or better. Teens might also be able to take advantage of discounts for automatic payments and going paperless.
This insurer offers a variety of coverage options that pay for some costs associated with breakdowns or accidents. These include roadside assistance, rental car reimbursement and accident forgiveness. Deductible modification is also available, helping drivers of all ages reduce their deductibles for every year of safe driving.
When choosing the best auto insurance carrier for a teen driver, some key attributes to note include the premiums, customer support options and the availability of discounts and coverage options that help drivers in this age group.
Nationwide has an excellent balance of pricing and coverage options. It also offers discount options for teenage drivers. GEICO scored better for customer satisfaction but is more expensive.
These companies offer the best auto insurance policies in Jacksonville for senior citizens looking for comprehensive coverage:
With a perfect affordability score and the second-highest rating for customer satisfaction, GEICO is our recommendation for the best auto insurance policies for seniors. While premiums are higher for drivers in their 70s and 80s, those in their 60s pay rates similar to drivers in their 30s through 50s. Seniors can secure the lowest premiums in Jacksonville by comparing rates.
How was this MoneyGeek score calculated?
MoneyGeek’s score for Best for Seniors was calculated with the following weights:
Policies cost the lowest for senior citizens at around $1,1011 annually
Second-highest scorer for customer satisfaction
Offers accident forgiveness, mechanical breakdown insurance and classic car insurance
Has a poor claims management rating
Lower coverage score
Lacks deductible modification and gap insurance
Senior drivers can consider GEICO for the cheapest average auto insurance costs and high customer satisfaction in Jacksonville. Based on J.D. Power’s ratings, the company is the second-best for customer satisfaction. With GEICO, seniors won’t have to pay higher rates to get excellent customer care.
GEICO policyholders can get better coverage for the mechanical breakdown of parts and systems through the company’s Mechanical Breakdown Insurance, which costs lower than a typical manufacturer’s warranty. They can also earn accident forgiveness, which prevents premiums from spiking after their first at-fault accident.
It’s possible for seniors to save more money on their premiums thanks to GEICO’s senior discount. The company even offers other savings opportunities that drivers of all ages can use, including using seatbelts or taking a defensive driving course.
Senior drivers should consider getting auto insurance policies that include personal injury protection (PIP), which covers their medical costs in case of severe injuries from an accident. They also need a policy with affordable costs and a good customer experience.
GEICO ranks first in our scoring system because it offers the lowest average costs and the second-best customer care rating. State Farm ranks first for customer satisfaction but has slightly higher premiums.
The best auto insurers for drivers with a bad driving record in Jacksonville who need full coverage include the following:
State Farm provides superb pricing and customer service if you have a driving infraction. Rates usually increase depending on the severity of the offense. For instance, compared to a driver with no violations, your premiums will be higher by around $447 after a speeding ticket and $730 if you have a DUI.
How was this MoneyGeek score calculated?
MoneyGeek’s score for Best for Drivers With Offenses was calculated with the following weights:
Offers roadside assistance and rental car reimbursement coverage
The most affordable option for drivers with a violation at around $1,348 annually
Offers the best customer satisfaction
Has a poor claims management rating
Low coverage score
Lacks accident forgiveness and new car or better car replacement coverage
Since drivers with a violation are riskier to insure, they are likely to pay higher premiums. These drivers may want to consider policies from State Farm because this insurer tends to be the cheapest option when it comes to driving violations. State Farm also has a reputation for delivering good customer service based on its J.D. Power rating.
With State Farm’s rental car reimbursement coverage, you can rent a car at the expense of the insurer up to certain cost limits. You may also get reimbursed for travel expenses up to $500 and a deductible repayment of the same amount if you get into an at-fault accident while in a rental car.
Additionally, you can get reimbursed for mechanical labor, towing and locksmith costs based on your policy. You can even access delivery services for batteries, oil or gas with the insurer’s roadside assistance coverage.
With a traffic violation on your record, you need a car insurance provider that offers affordable rates, excellent customer service and adequate coverage options. Our top pick for this category, State Farm, is the cheapest in Jacksonville, based on our average cost estimates. It also offers the best customer satisfaction.
The runner-up, GEICO, is superior in terms of claims management, but it falls short in other categories.
For individuals with new cars interested in a full coverage policy, the best auto insurance providers in Jacksonville include:
The best insurers for this category were based on cost and customer service ratings for drivers in Florida with 2022 car models. Only providers that offer better or new car replacement coverage were reviewed. New car replacement coverage pays the cost of getting a brand-new vehicle of the same make and model after you get into an accident.
Travelers offers the best rates and good coverage options in addition to new car replacement coverage.
How was this MoneyGeek score calculated?
MoneyGeek’s score for Best for New Cars was calculated based on insurers offering new or better car replacement coverage and the following weights:
Offers the cheapest coverage if you have a new car, costing around $1,576
Good coverage score
Provides new car replacement coverage
Has no better car replacement or deductible modification coverage
Scored lower in customer satisfaction
Travelers offers the lowest premiums to Jacksonville residents with a new car. While the insurer ranks second for customer satisfaction, its score is average. It does offer a decent number of coverage options.
Travelers offers new replacement coverage, which is key for those who want to insure new cars. With this coverage, you can save thousands of dollars after your car gets totaled because the insurer will replace it with a brand-new car of the same model. New car replacement insurance from Travelers only covers vehicles totaled in the first five years.
Travelers also offers gap insurance, which comes in handy for drivers with leased or financed vehicles. Gap insurance will pay the cost difference between the actual cost of your car and the lease or loan balance if your car gets damaged due to a covered accident.
As a new car owner, you should consider a provider with new or better car replacement as add-on coverage options. If your car gets totaled in a covered accident, these two benefits can save you thousands of dollars.
Since Travelers has reasonable premiums, it stands out as the best provider for this category. It also offers new car replacement coverage. Farmers is the second most affordable but has the lowest customer satisfaction score.
You can identify the best auto insurance option for your needs in Jacksonville by comparing cost, claims processing, financial stability and customer satisfaction. Although our research highlights rankings that carry vital information that can help you choose an insurer, we recommend the following steps if you want to do your own research.
Our ranking system evaluated customer satisfaction scores for insurance carriers in Jacksonville using information from J.D. Power and the National Association of Insurance Commissioners (NAIC) complaint ratio. You can use these sources to obtain more data about the insurers or find out more through other reliable sources, such as the Florida Office of Insurance Regulation.
To estimate how much your auto insurance policy will cost, we recommend that you request quotes from at least three different insurers. Since average premiums used in our study are for a sample driver profile, your actual rates may be higher or lower depending on your driving record, age, location and other factors.
Make sure the insurer you choose offers the coverage and discount options you need within your location before purchasing a policy from them. Some companies list coverages and discounts on their websites that are not widely available. You can visit the insurer’s office or website to better understand what options are available in your city.
We suggest checking out your ideal provider’s financial strength to determine if they can handle your claims. Insurers with higher financial stability ratings are more likely to be able to pay out claims when processing customer claims than smaller regional companies.
The best auto insurance provider in Jacksonville varies based on a driver's profile and preferences. Our answers to these commonly asked questions can help you evaluate the best insurer for your needs.
The overall best auto insurance company in Jacksonville, Florida, for blending exceptional cost and customer service is GEICO. It earned a score of 75 out of 100 and costs roughly $1,092 annually. GEICO is also the best for senior drivers and affordable minimum coverage policies.
The best cheap auto insurance in Jacksonville, Florida, also comes from GEICO and costs about $407 annually, on average. The insurer offers a perfect blend of pricing and customer satisfaction for a minimum coverage policy, despite ranking below average on claims management and coverage options.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.
