GEICO, Travelers and State Farm are among the most affordable car insurance providers in Jacksonville. However, this depends on your unique driver profile and desired coverage level. We've broken down which company is most affordable for the common categories that can most affect your rates.
Cheapest Car Insurance in Jacksonville, FL
Updated: December 24, 2024
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Key Takeaways
The cheapest car insurance companies in Jacksonville are GEICO, Travelers, State Farm, Mercury and Nationwide.
The lowest car insurance rates in Jacksonville are $49 per month for minimum coverage and $129 for full coverage.
The average cost of car insurance in Jacksonville is $86 per month for minimum coverage and $192 per month for full coverage.
Why Trust MoneyGeek? MoneyGeek analyzed car insurance companies using data collected from the Florida Department of Insurance and Quadrant Information Services. Learn more.
Cheapest Car Insurance Rates and Companies in Jacksonville
| GEICO | Minimum Coverage | $49 |
| Travelers | Full Coverage | $129 |
| Nationwide | Teens | $246 |
| GEICO | Young Adults | $65 |
| GEICO | Senior Drivers | $46 |
| GEICO | Drivers With Bad Credit | $100 |
| State Farm | Drivers With a Speeding Ticket | $73 |
| State Farm | Drivers With a DUI | $73 |
| GEICO | Drivers With an Accident | $74 |
| GEICO | Military Affiliated Drivers | $49 |
Cheapest Car Insurance Coverage in Jacksonville
When searching for the cheapest car insurance in Jacksonville, comparing rates from multiple providers is key. Factors like age, driving history, vehicle type and coverage needs all influence the cost. Although the cheapest car insurance in Florida may not always offer the lowest rates in Houston, shopping around for car insurance quotes can help you secure affordable coverage without sacrificing essential protection.
Cheapest Minimum Coverage Car Insurance in Jacksonville
GEICO offers the cheapest state minimum auto insurance at $49 per month in Jacksonville, while Travelers follows with a monthly rate of $62. Check the table below to compare different providers offering the best rates for minimum coverage in the area.
| GEICO | $49 | $37 |
| Travelers | $62 | $24 |
| State Farm | $64 | $22 |
| Mercury | $80 | $6 |
| Nationwide | $80 | $6 |
Cheapest Full Coverage Car Insurance in Jacksonville
Travelers provides the most affordable full coverage car insurance in Jacksonville at $1,554 per year. Check the table below to compare rates from different providers offering the best deals for full coverage.
| Travelers | $129 | $63 |
| State Farm | $130 | $62 |
| GEICO | $150 | $42 |
| Nationwide | $162 | $31 |
| Allstate | $191 | $1 |
Cheapest Car Insurance in Jacksonville by Age
Car insurance rates in Jacksonville change with age. Young drivers usually pay more because they're new on the road. Over the years, these costs generally go down, but can go up after age 70. Below, find a list of the most affordable insurance companies for different ages: teens, young adults, and seniors.
Cheapest Car Insurance in Jacksonville for Teens
For Jacksonville locals, the cheapest car insurance for teens comes from GEICO, Nationwide and State Farm. Check the table below for the lowest rates for this age group in the city.
| Nationwide | $246 | $102 | $550 | $84 |
| GEICO | $307 | $42 | $323 | $311 |
| State Farm | $333 | $16 | $378 | $256 |
Cheapest Car Insurance in Jacksonville for Young Adults
In Jacksonville, GEICO offers the cheapest car insurance for young adults at $784 annually, saving 35% compared to the city average. Following GEICO, Travelers, State Farm, and Nationwide provide affordable rates at $814, $877 and $1,103, respectively.
| GEICO | $65 | $35 |
| Travelers | $68 | $33 |
| State Farm | $73 | $27 |
| Nationwide | $92 | $9 |
| Allstate | $94 | $7 |
Cheapest Car Insurance in Jacksonville for Seniors
Jacksonville's cheapest car insurance for seniors comes from GEICO at $549 per year. Check the table below to explore options from other providers and find the best rates for senior drivers.
| GEICO | $46 | $38 |
| State Farm | $60 | $25 |
| Travelers | $60 | $24 |
| Mercury | $74 | $10 |
| Nationwide | $76 | $8 |
Cheapest Car Insurance in Jacksonville for Drivers With Bad Credit
A poor credit-based insurance score may lead to higher premiums compared to those with good scores. Cheap car insurance for drivers with bad credit can be found with GEICO at $1,194 per year and Nationwide at $1,305 per year in Jacksonville. Review the table below for more options from other providers.
| GEICO | $100 | $39 |
| Nationwide | $109 | $29 |
| Direct General Insurance | $125 | $14 |
| Mercury | $125 | $13 |
| Travelers | $132 | $6 |
HOW TO LOWER YOUR RATE WITH BAD CREDIT
If you have poor credit, you may lower your insurance costs by finding discounts, bundling different insurance policies and comparing personalized quotes from multiple companies. Taking extra steps to improve your credit over time can also help you get a lower rate.
Cheapest Car Insurance in Jacksonville After a Driving Offense
Insurance providers assess risk when calculating car insurance premiums, and your driving record plays a key role. Violations like speeding tickets, accidents, or DUIs can significantly raise your rates. Even the cheapest car insurance after an accident will be more expensive than for those with clean records. We've broken down affordable providers so you can find cheap car insurance after an accident and for other driving offenses.
Cheapest Car Insurance in Jacksonville After a DUI
Drivers in Jacksonville with a DUI can still find affordable car insurance. State Farm offers the cheapest minimum coverage at $872 annually. Check the table below to explore options from other providers and find the best rates for drivers with a DUI in Jacksonville.
| State Farm | $73 | $47 |
| GEICO | $95 | $25 |
| Travelers | $104 | $15 |
| Progressive | $116 | $3 |
| Allstate | $119 | $0 |
Cheapest Car Insurance in Jacksonville After an Accident
GEICO provides the most affordable minimum coverage car insurance at $892 annually for drivers with an at-fault accident record in Jacksonville. Check the table below to explore options from other providers and find the best car insurance company with the most affordable rates.
| GEICO | $74 | $56 |
| State Farm | $79 | $51 |
| Travelers | $91 | $40 |
| Nationwide | $116 | $14 |
Cheapest Car Insurance in Jacksonville After a Ticket
State Farm offers the most affordable car insurance for drivers with a speeding record in Jacksonville, with an annual rate of $872. Travelers follows closely with a rate of $1,024 per year. Check the table below to explore options from other providers and find the best car insurance company with the most affordable rates for drivers with a speeding record.
| State Farm | $73 | $33 |
| Travelers | $85 | $21 |
| GEICO | $91 | $15 |
| Allstate | $92 | $14 |
| Nationwide | $95 | $11 |
Cheapest Car Insurance in Jacksonville for Military Drivers
Military drivers in Jacksonville, including active-duty members, veterans, and their families, can often find special discounts and competitive rates on car insurance. For those seeking the cheapest car insurance providers for military drivers, GEICO offers an annual rate of $590, while Travelers is available at $740 for minimum coverage.
| GEICO | $49 | $37 |
| Travelers | $62 | $24 |
| State Farm | $64 | $22 |
| Mercury | $80 | $6 |
| Nationwide | $80 | $6 |
Car Insurance Quotes in Jacksonville
The estimated car insurance rates in Jacksonville give drivers a baseline for expected premiums, aiding those seeking affordable options. GEICO offers a monthly rate of $49, while Travelers is at $62. However, as insurers consider individual factors, personalized quotes remain the most accurate means to determine your actual costs.
Compare Jacksonville Car Insurance Estimates Online
Since each insurer evaluates personalized factors differently when calculating premiums, the only way to find the most affordable car insurance rate is to compare quotes from various companies. With MoneyGeek, residents of the River City can enter basic personal info and receive multiple car insurance quotes from different companies in minutes.
Car Insurance Calculator
MoneyGeek's car insurance calculator will give you a customized estimate of your auto insurance cost. It's free to use, requires no personal information and we won't send you any spam.
$192
High
$139
Average
$87
Low
Rates updated:
Dec 30, 2024
| Insurance Carrier | Average Monthly Payment | |||
|---|---|---|---|---|
| 1 |  Capital Insurance Group | $87 | ||
| 2 |  GEICO | $109 | ||
| 3 | $118 | |||
| 4 | $129 | |||
| 5 | $133 | |||
| 6 | $151 |
Although MoneyGeek partners with some of the companies we recommend, our content is written and reviewed by an independent team of writers, editors and licensed agents. Learn more about our editorial policies and expert editorial team.
Car Insurance Agencies in Jacksonville
While comparing car insurance quotes online is quick and often leads to affordable coverage, those seeking personalized service should consider contacting a local agency. The table below includes names, review ratings, and contact information for top car insurance agencies in the area.
How Much Does Car Insurance Cost in Jacksonville?
In Jacksonville, the average full coverage car insurance costs $2309 a year. State minimum coverage is cheaper at $1032 annually. Remember, these averages are for a 40-year-old with good credit and a clean driving record. Your rate may differ.
Jacksonville Auto Insurance Cost by Driver Profile
See how your auto insurance stacks up with our summary table of average rates for different driver profiles in the Golden State.
| Teen Drivers | No Data | $634 |
| Young Adults | $100 | $240 |
| Senior Drivers | $84 | $189 |
| Drivers With Bad Credit | $138 | $301 |
| Drivers With a Speeding Ticket | $106 | $249 |
| Drivers With a DUI | $119 | $277 |
| Drivers With an Accident | $131 | $305 |
| Military Affiliated Drivers | $86 | $192 |
How Expensive Is Car Insurance Jacksonville?
In Jacksonville, minimum coverage car insurance is about 13% cheaper than Florida's average at $86 monthly. Full coverage is also more affordable, costing roughly 10% less than the average, at $192 monthly. Residents enjoy savings on both essential and extensive car insurance plans.
| Jacksonville Avg Rate | $86 | $192 |
| Florida Avg Rate | $99 | $214 |
| vs Florida Avg Rate | $13 | $21 |
Car Insurance Requirements in Jacksonville
Florida law mandates that drivers carry auto insurance with specific minimum coverage limits. These requirements are designed to ensure that all motorists have financial protection in case of an accident, covering damages to property and personal injuries.
Here are the minimum coverage amounts set by the state:
- $10,000 for property damage liability per accident.
- $10,000 for personal injury protection (PIP) per person.
An auto insurance policy provides financial protection against costs arising from an accident. Liability coverage, specifically, handles expenses for damage or injuries the policyholder is responsible for in an at-fault accident.
For instance, if you're at fault in a collision and the other driver sustains injuries, your state minimum coverage would pay up to $10,000 towards their medical expenses under PIP. It's essential to understand that this is the maximum your insurer will cover per person, regardless of the total cost of injuries. Additionally, if you're in need of SR-22 insurance in Jacksonville, these are the minimum limits you must maintain to legally drive.
Cheapest Car Insurance in Jacksonville: Bottom Line
Getting the cheapest car insurance in Jacksonville isn't one-size-fits-all. It depends on your age, driving habits, car, and credit history. GEICO and State Farm often have the lowest rates. But don't stop there. To make sure you're saving the most money, compare quotes from different companies. It's the smart way to find an affordable plan that's right for you.
Cheap Jacksonville Car Insurance: FAQ
MoneyGeek helps you find affordable car insurance in Jacksonville. We provide answers to common questions about the best minimum coverage options for your needs. Our goal is to make your search for the right plan simple and straightforward.
What is the cheapest car insurance company in Jacksonville, Florida?
The cheapest car insurance company in Jacksonville, Florida, is Travelers with an average rate of $129 per month for full coverage. For minimum coverage, GEICO offers the most affordable at $49 per month. However, rates vary based on age, driving history and coverage needs, so it’s best to compare quotes.
What is the average cost of car insurance in Jacksonville, Florida?
The average cost of car insurance in Jacksonville, Florida, is around $192 per month for full coverage, while minimum coverage averages approximately $86 per month. These rates can vary depending on your specific circumstances.
Is car insurance in Jacsonville, Florida, expensive?
No, car insurance in Jacksonville, Florida, tends to be cheaper than the state average. Factors like higher traffic congestion, accident rates and crime rates contribute to the increased premiums. Shopping around and comparing quotes can help you find more affordable options.
How We Chose the Cheapest Car Insurance in Jacksonville, FL
To help Jacksonville drivers find the most affordable auto insurance companies, MoneyGeek analyzed Jacksonville auto insurance rates based on data and information from the Florida Department of Insurance and Quadrant Information Services.
Jacksonville Driver Profile
MoneyGeek created a sample driver profile to calculate car insurance quote averages in Jacksonville with the following characteristics:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- 12,000 miles driven annually
Certain factors — such as age, driving record, credit score and military affiliation — were adjusted to find the most suitable insurance companies for specific driver profiles.
Coverage Levels in Jacksonville
MoneyGeek compared the most affordable insurance providers for both minimum and full coverage auto insurance policies.
The minimum coverage requirements in Florida are:
- $30,000 bodily injury liability per person
- $60,000 bodily injury liability per accident
- $25,000 property damage liability per accident
For a full coverage policy, we used the following coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability per accident
- Comprehensive and collision insurance, each with a $1,000 deductible
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.