Updated: November 4, 2025
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Travelers offers the cheapest car insurance in Jacksonville. GEICO, State Farm, Metropolitan Group and Nationwide also provide coverage in the city.
Car insurance in Jacksonville costs an average of $1,080 per year for minimum coverage and $2,543 per year for full coverage
Travelers also offers the cheapest car insurance in Florida at $618 per year for minimum coverage and $1,343 per year for full coverage.
Adult drivers with Travelers pay Jacksonville's cheapest rates at $641 annually for minimum coverage. Young drivers with Travelers pay $1,370 per year, 114% more than clean-record adults with Travelers.
Senior drivers from State Farm pay $861 annually, 34% more than adults with Travelers. Drivers with a DUI from State Farm pay $834 per year, 30% more than clean-record adults with Travelers.
Jacksonville's moderate violation penalties make it more forgiving than many Florida markets.
| Drivers With Newer Cars | Travelers | $37 |
| Drivers With Old Cars | State Farm | $43 |
| Adult Drivers | Travelers | $53 |
| Drivers With a Speeding Ticket | Metropolitan Group | $57 |
| Drivers With a DUI | State Farm | $70 |
| Drivers With an Accident | Travelers | $72 |
| Senior Drivers | Travelers | $72 |
| Drivers With Bad Credit | GEICO | $74 |
| Young Drivers | Travelers | $114 |
Travelers offers the lowest rates at $641 per year for minimum coverage, running 41% under the city average of $1,080. State Farm charges $775 annually for minimum coverage, and provides $1,405 for full coverage. Metropolitan Group and GEICO provide competitive alternatives at $689 and $649 annually for minimum coverage.
The tight clustering of rates among top insurers means Jacksonville drivers benefit from comparing several options to find their best match. Competition among carriers keeps Jacksonville rates more reasonable than many Florida cities.
| Travelers | $53 | $117 | -43% |
| GEICO | $54 | $175 | -24% |
| Metropolitan Group | $57 | $142 | -34% |
| State Farm | $65 | $141 | -32% |
| Nationwide | $74 | $158 | -23% |
Young drivers face the highest costs at $1,370 annually with Travelers for minimum coverage. Adult drivers secure the best rates at $641 per year with State Farm, enjoying substantial savings.
Senior drivers from State Farm pay $861 annually, about 34% more than adults. Both adults and seniors find their best option with State Farm.
State Farm's consistent dominance across adult and senior categories simplifies shopping for most Jacksonville drivers.
| Travelers | $53 | $641 | -41% |
| Geico | $54 | $649 | -40% |
| Metropolitan Group | $57 | $689 | -36% |
| State Farm | $65 | $775 | -28% |
| Nationwide | $74 | $883 | -18% |
Speeding tickets produce moderate impacts at $689 annually with Metropolitan Group. At-fault accidents result in higher costs at $859 per year with Travelers.
DUIs create similar penalties at $834 annually with State Farm, a 30% increase over clean-record rates. Comparing quotes helps you understand how each insurer treats your specific situation.
Jacksonville's moderate treatment of violations provides some relief compared to other Florida markets.
| Travelers | $72 | $859 |
| State Farm | $75 | $899 |
| Geico | $76 | $907 |
| Metropolitan Group | $80 | $956 |
| Nationwide | $102 | $1,219 |
Travelers leads Jacksonville's market with a MoneyGeek score of 98 out of 100, the highest in the city. The company combines low premiums with outstanding customer experience scores and minimal complaint ratios, providing reliable coverage while keeping costs competitive.
State Farm offers exceptional value with the lowest rates for most driver types plus solid customer satisfaction. State Farm particularly stands out for its extensive agent network and personalized service.
Both companies deliver strong value with complementary strengths in pricing and service.
| Travelers | 98 | 1 | 1 | 4 |
| State Farm | 91 | 3 | 3 | 7 |
| Nationwide | 89 | 5 | 6 | 4 |
| GEICO | 88 | 4 | 5 | 7 |
| Metropolitan Group | 87 | 2 | 10 | 8 |
Excellent customer service ratings
Multiple driver category wins
Strong coverage options available
Higher coverage costs than competitors
Limited digital tools
Travelers stands out as Jacksonville's top-rated car insurance provider thanks to exceptional customer service and competitive rates. The company ranks first for both affordability and customer experience in the area. Travelers particularly excels with new cars, young drivers, and seniors, offering the lowest rates for these groups. Their strong customer satisfaction scores mean faster claims processing and better support when you need it.
Strong customer service track record
Competitive rates for most drivers
Local agent availability
Limited coverage options
Higher rates for some violations
State Farm earns Jacksonville's second-best ranking through balanced performance across service and value. The company offers rates below the city average while maintaining high customer satisfaction scores. State Farm particularly stands out for drivers with older vehicles and those with past violations, offering competitive rates for these groups. Their extensive network of local agents provides personalized service that many customers appreciate.
Car insurance in Jacksonville costs an average of $1,080 per year for minimum coverage and $2,543 per year for full coverage. These rates sit slightly below the Florida state average of $980 for minimum coverage.
State Farm offers rates well below the city average at $641 for minimum coverage. Jacksonville drivers enjoy moderate premiums compared to other Florida cities, benefiting from competitive carrier pricing.
| Full Coverage | $212 | $2,543 |
| Minimum Coverage | $90 | $1,080 |
In Jacksonville, car insurance rates by ZIP code range from $80 to $306 per month. ZIP code 32210 is the most expensive, while 32223 is the cheapest. Check the average rates for your ZIP code below.
| 32099 | $85 | $201 |
Finding affordable car insurance in Jacksonville isn't easy with the city's high rates and complex coverage options. Our step-by-step guide shows you how to lower your costs while getting the right protection for your needs.
First find out how much coverage you need for your Jacksonville commute. Consider your vehicle's value, your savings and local risk factors like hurricane season and traffic patterns. Use our car insurance coverage needs calculator to get a personalized recommendation.
Understanding different types of car insurance can help you save money. If you drive infrequently, consider pay-per-mile coverage. Don't own a car? Look into non-owner insurance for occasional driving.
Research average vehicle insurance costs in Jacksonville to set realistic expectations. This knowledge helps you recognize good deals and avoid overpaying. Compare rates across different ZIP codes in the area to understand local price variations.
Look into car insurance discount options like safe driver rewards and defensive driving courses. Consider bundling multiple policies or getting multi-car discounts if you have multiple vehicles.
Check customer reviews and financial strength ratings for insurance companies serving Jacksonville. Focus on insurers with strong local presence and positive claims handling experiences. Look for companies offering 24/7 customer service and digital tools.
Contact at least three different insurance providers for quotes. Use a mix of local agents, online tools, and direct carrier websites. Make sure each quote includes the same coverage levels and deductibles.
Set a yearly reminder to review your car insurance policy. Life changes like improved credit score, new safety features, or reduced mileage could qualify you for better rates. Compare new quotes each year to ensure you're still getting the best deal.
Car insurance rates in Jacksonville vary based on your age, driving record and credit score. Travelers and Metropolitan Group offer the lowest average premiums in the area, but compare quotes from multiple providers to find your best rate.
Looking for cheap car insurance in Jacksonville? We've gathered clear answers to your most common questions about finding affordable coverage that fits your budget and needs.
Travelers offers Jacksonville drivers average rates of $641 for minimum coverage and $1,406 for full coverage. Rates vary by personal factors, so compare multiple quotes.
Travelers leads Jacksonville's insurance market with a MoneyGeek score of 98 out of 100, scoring seven points higher than State Farm. The company excels in both affordability and customer service quality.
In Jacksonville, drivers pay $2,543 for full coverage and $1,080 for minimum coverage auto insurance. Your actual rates will vary based on individual factors.
Car insurance in Jacksonville costs more than average, ranking 440th for both minimum and full coverage affordability compared to other Florida cities.
To help Jacksonville drivers find the most affordable auto insurance companies, MoneyGeek analyzed auto insurance rates based on data and information from the Florida Office of Insurance Regulation and Quadrant Information Services. We studied all ZIP codes in the city and hundreds of thousands of quotes for 12 companies offering auto insurance in Florida to tailor options as closely as possible to you.
Jacksonville Driver Profile
MoneyGeek created a sample driver profile to calculate car insurance quote averages with the following characteristics:
We adjusted certain factors, such as age, driving record, credit score and military affiliation, to find the most suitable insurance companies for specific driver profiles.
Coverage Levels in Jacksonville
MoneyGeek compared the most affordable insurance providers for minimum and full coverage auto insurance policies.
The minimum coverage requirements in Florida are:
For a full coverage policy, we used the following coverage limits:
Our Best Company Rating Methodology
We rated all companies based on the following rating scale:
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
