Cheapest Car Insurance in Jacksonville (2026)

Jacksonville drivers can secure minimum coverage for as little as $53 monthly through Travelers, which also leads full coverage at $117 per month or $1,406 annually. These premiums apply to drivers with clean records. Age and driving history play major roles in determining which provider gives you the lowest premium, so requesting quotes from multiple carriers reveals your best available rate.

Jacksonville residents pay higher insurance costs than the statewide average. Full coverage runs $212 monthly while minimum coverage costs $90 per month. That's above Florida's typical rates of $205 and $87 respectively. The city's dense traffic patterns lead to more frequent accidents, while hurricanes and tropical storms increase claims costs throughout the region.

Vehicle theft rates also run higher in Jacksonville, particularly affecting certain makes and models. These urban factors push premiums above the state average. Compare quotes from multiple insurers to find competitive rates in Jacksonville.

Read More: The cheapest car insurance in Florida

Age matters when it comes to Jacksonville car insurance costs. Young drivers pay premiums averaging $300 monthly across the top five insurers, compared to $144 for adults and $173 for seniors. The gap reflects insurers' concerns about inexperience and higher accident rates among newer drivers.

Cheapest Jacksonville car insurance by age:

• Young drivers: Travelers at $263 per month
• Adult drivers: Travelers at $117 per month
• Senior drivers: Travelers at $158 per month

Once drivers establish experience, age matters less. Adult and senior premiums stay relatively close, with insurers treating experienced drivers similarly whether they're 40 or 70 years old.

Jacksonville's young drivers pay higher insurance costs, with rates averaging $300 monthly compared to $144 for adults. Travelers offers the most affordable option at $263 monthly or $3,160 annually for full coverage. 

Young drivers ages 16 to 25 still pay more than double what experienced drivers pay. Insurers charge higher premiums because young drivers lack road experience and have more accidents and traffic violations than any other age group.

Young Jacksonville drivers can save $85 monthly by choosing Travelers at $263 over Nationwide at $348. Adding a young driver to your family policy costs less than getting them separate coverage, though rates remain high until age 25.

Note: Teen drivers must meet state licensing requirements and may need parental consent for coverage in Florida.

Senior drivers in Jacksonville often enjoy competitive rates thanks to clean records and years of experience, with Travelers offering $158 per month or $1,890 annually for full coverage. Many insurers reward this level of experience with reasonable premiums, although a few may raise rates slightly for drivers over 70 due to slower reaction times. 

Among the city's five most affordable providers, seniors pay an average of $173 per month, only $29 higher than the $144 that younger adults pay.

Choosing Travelers instead of GEICO at $200 per month gives Jacksonville seniors $42 in monthly savings. They can reduce costs even further by taking defensive driving courses or keeping annual mileage below 7,500 miles.

Jacksonville's best insurance rates go to drivers ages 26 to 64, with Travelers offering the lowest premiums at $117 monthly or $1,406 annually for full coverage. This age group benefits from reduced accident risk combined with years of driving experience that younger and older drivers haven't achieved or maintained. 

Across the city's five most affordable insurers, adults average $144 monthly, the best rates available to any age category. Jacksonville adults save $42 monthly by choosing Travelers at $117 instead of UAIC at $159. Maintain a clean driving record and bundle policies to lower these competitive rates further.

Insurance costs in Jacksonville rise quickly after a violation, creating a clear gap between clean-record rates and penalty pricing. Travelers offers the lowest minimum liability rate at $53 per month for drivers with clean records, while Metropolitan Group provides the best pricing for speeding tickets at $57 per month. 

State Farm delivers the most affordable option for DUIs at $70 per month. Across the city's five cheapest insurers, averages move from $61 for clean records to $74 for speeding tickets, $81 for at-fault accidents and $85 for DUIs.

At-fault accidents push premiums higher because they show a history of causing property damage or injuries, which marks a driver as a greater risk. DUIs produce the largest jumps since they combine unsafe behavior with legal consequences and often require SR-22 filing. Speeding tickets lead to smaller increases because they indicate risky habits without confirming crash involvement.

The cheapest ZIP code in Jacksonville charges just $80 monthly while the most expensive area (ZIP 32210) costs $306 per month for car insurance. See your ZIP code's rate in the table below.

Jacksonville's most populated neighborhoods, 32210, 32211 and 32244, charge $306, $212, and $294 monthly for minimum coverage. These differences reflect local factors like accident frequency, vehicle theft rates, population density, and uninsured driver concentrations. 

Use the filter above the table to find your ZIP code's rate.

Jacksonville drivers can find competitive rates and maintain proper coverage by comparing insurers.

Want to find affordable coverage in Jacksonville? This FAQ answers your questions about available discounts, state regulations and policy options that fit your budget.

Jacksonville drivers pay some of Florida's highest car insurance rates, with premiums varying across the city's ZIP codes. We designed our research to find insurers offering the best rates for  Jacksonville's unique urban driving conditions. Read more on MoneyGeek's auto insurance analysis methodology.