The Best Car Insurance in Jacksonville, FL, for 2022

The best auto insurance company in Jacksonville is GEICO, offering the best balance of customer satisfaction, affordability and financial stability. GEICO received a MoneyGeek score of 83 out of 100. Keep in mind that the best policy for you depends on your needs.

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Last Updated: 8/12/2022
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In Jacksonville, Florida, GEICO is MoneyGeek’s top auto insurance company. However, the best car insurance provider depends on your unique profile. MoneyGeek outlined the best insurers depending on whether you are a young or senior driver, military personnel or someone with driving violations. For drivers on a budget, MoneyGeek also analyzed the cheapest car insurance in Jacksonville.

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The Best Car Insurance in Jacksonville

Best Car Insurance Companies in Jacksonville: Overall

MoneyGeek examined each insurer’s average premiums, claims ratings and user satisfaction to find the best auto insurance company in Jacksonville. Our unique scoring system shows that the top companies are the following:

  • GEICO: 83 out of 100
  • State Farm: 72 out of 100

In Jacksonville, USAA earned a perfect MoneyGeek score of 100 out of 100. Overall, it’s the best insurer in the city. However, it’s only available to military members and their families.

The Top Car Insurance Companies in Jacksonville

1
GEICOOverall
Score:83

4.1/5

Affordability

4/5

Claims

4/5

User Satisfaction

5/5

Financial Stability

Geek Quick Take
Geek Quick Take

GEICO garnered above-average scores in affordability, customer satisfaction and claims. They also offer uncommon add-on coverages such as accident forgiveness. The average cost of a GEICO full coverage policy is $1,115 per year.

More About GEICO

GEICO offers mechanical breakdown insurance (MBI), which covers all parts and systems on your leased or newly owned car at an affordable rate. The insurer also has accident forgiveness. This means the cost of your premium won’t increase after your first at-fault accident. Accident forgiveness can be purchased or granted by GEICO to drivers 21 years of age and over who have been accident-free for five years or more.

Read MoneyGeek's GEICO auto Insurance Review
2
State Farm
Score:72

3.5/5

Affordability

4/5

Claims

4/5

User Satisfaction

3.5/5

Financial Stability

Geek Quick Take
Geek Quick Take

State Farm performs well in customer satisfaction and claims but lags in affordability and stability. A rare coverage that State Farm offers is rideshare insurance coverage. On average, a full coverage policy with State Farm costs $1,440 per year.

More About State Farm

With State Farm, you can get rideshare insurance. This coverage is ideal for drivers who work for ridesharing companies like Uber. Once you purchase this add-on, you can get rental car reimbursement, emergency roadside assistance and coverage for medical expenses.

Read MoneyGeek's State Farm auto Insurance Review
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RESOURCES ON CAR INSURANCE IN JACKSONVILLE, FLORIDA

For drivers looking to save, MoneyGeek evaluated the cheapest car insurance companies in Jacksonville. To learn more about car insurance in Florida, we compiled guides below:

Best Cheap Car Insurance for Minimum Coverage in Jacksonville

Drivers in Jacksonville must adhere to Florida’s state minimum requirements for car insurance. The best car insurance companies in Jacksonville for minimum coverage are:

  • GEICO: 86 out of 100
  • State Farm: 69 out of 100

MoneyGeek computed these scores based on various driver profiles — including young and senior drivers and people with driving violations.

MoneyGeek’s Pick: GEICO

GEICO

pros

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A minimum coverage policy costs $475 per year on average

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Offers discounts for having airbags, insuring multiple cars and using seat belts

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MoneyGeek claims rating of 4 out of 5

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MoneyGeek user satisfaction rating of 4 out of 5

cons

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Doesn’t offer paperless or pay-in-full discounts

COMPANY HIGHLIGHTS

With GEICO, you can get common discounts like bundling, safe driving and multiple car. If you bundle your auto insurance with a GEICO homeowners or renters policy, you can get a discount. Drivers who are accident-free for five years or more and drivers who insure multiple cars with GEICO may be eligible for a discount.

GEICO also offers rare discounts that some companies don’t offer. For example, drivers who always wear their seat belt can get a discount. Further discounts are offered to drivers who have daytime running lights installed in their vehicles.

Read MoneyGeek's GEICO Auto Insurance Review

Best Car Insurance for Young Drivers in Jacksonville

MoneyGeek rated the best auto insurance companies in Jacksonville for young drivers:

  • GEICO: 94 out of 100
  • State Farm: 83 out of 100

MoneyGeek’s results for each company were based on different coverage levels and driving histories of 18-year-olds. Auto insurance for young drivers and car insurance policies for students are usually pricier than the average premium since they’re new to driving.

MoneyGeek’s Pick: GEICO

GEICO

pros

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A full coverage policy for a safe driver costs $2,938 per year on average

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Offers ideal discounts for young drivers like good student and driver’s education course

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MoneyGeek claims rating of 4 out of 5

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MoneyGeek user satisfaction rating of 4 out of 5

cons

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No distant student discount

COMPANY HIGHLIGHTS

While policies for young drivers can be pricey, GEICO provides one of the cheapest rates in Jacksonville while balancing it with quality service. Newer drivers can rest easy knowing that their insurance company offers great service, especially in times of need. GEICO offers accident forgiveness and roadside assistance, two separate add-on coverages that might benefit young drivers.

Additionally, GEICO has discounts like good student and driver’s education course, which may suit the needs of young drivers. For instance, full-time students with an academic standing of B average, a 3.0 GPA or rank in the top 20% of their class can get a discount. Teens and young drivers can also get a discount if they complete a driver’s education course.

Read MoneyGeek's GEICO Auto Insurance Review

Best Car Insurance for Senior Drivers in Jacksonville

In Jacksonville, the best auto insurance companies for senior drivers, or those aged 65 and above, are:

  • GEICO: 90 out of 100
  • State Farm: 78 out of 100

MoneyGeek’s scores account for different policy coverages and driving histories of 70-year-old drivers. While car insurance rates for senior drivers are similar to the average policy, they can be slightly more expensive.

MoneyGeek’s Pick: GEICO

GEICO

pros

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A full coverage policy for a safe driver costs $1,082 per year on average

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Offers a defensive driving discount

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MoneyGeek claims rating of 4 out of 5

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MoneyGeek user satisfaction rating of 4 out of 5

cons

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No senior driver discount

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Only offers one unique coverage

COMPANY HIGHLIGHTS

Generally, senior car insurance and average car insurance are similar. But sometimes, some insurers can increase rates for seniors. MoneyGeek found that GEICO is an affordable option given the amount of extra perks they offer.

For instance, GEICO has discounts for drivers who complete a defensive driving course. One downside is that they only offer three out of seven common coverages, namely roadside assistance, rental car and/or travel reimbursement and accident forgiveness.

Luckily, GEICO offers Mechanical Breakdown Insurance (MBI), a rare coverage that is widely available. Compared to the premiums of a typical dealer, GEICO’s MBI coverage offers protection at a cheaper rate.

Read MoneyGeek's GEICO Auto Insurance Review

Best Car Insurance With a Driving Violation in Jacksonville

Choosing the best policy after being convicted of a driving violation can be a challenge. MoneyGeek analyzed the best car insurance companies in Jacksonville for drivers with a bad driving record:

  • GEICO: 90 out of 100
  • State Farm: 81 out of 100

These ratings were based on various coverage levels and different driver ages. Individuals with poor driving records pay more for car insurance since insurers consider them as high-risk.

MoneyGeek’s Pick: GEICO

GEICO

pros

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A full coverage policy for a 40-year-old driver with an accident on their record costs $1,535 per year on average

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Offers five out of nine common discounts

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MoneyGeek claims rating of 4 out of 5

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MoneyGeek user satisfaction rating of 4 out of 5

cons

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Only offers one unique coverage

COMPANY HIGHLIGHTS

If you have a bad driving record, GEICO offers reasonable premiums for each coverage level. However, GEICO doesn’t offer better car replacement or new car replacement. These optional coverages are beneficial for drivers who may be more prone to accidents.

To add, GEICO offers different ways that drivers can save with their seven common discounts, namely bundling, anti-theft system, safe driving, defensive driving, multiple car, good student and airbags.

Read MoneyGeek's GEICO Auto Insurance Review

Best Car Insurance With a Military Background in Jacksonville

USAA received a MoneyGeek score of 100 out of 100 based on our unique ranking system. USAA is the best car insurance company for military members in Jacksonville because they balance customer satisfaction and affordability. However, USAA only caters to current and former military members and their families.

MoneyGeek’s rating was based on different driver profiles and coverage types, accounting for young and senior drivers and individuals with violations.

MoneyGeek’s Pick: USAA

USAA

pros

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A full coverage policy costs an average of $770 per year for a 40-year-old driver

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USAA offers five of the most common discounts, including safe driving

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Perfect MoneyGeek claims rating

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Perfect MoneyGeek user satisfaction rating

cons

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Only offers three of the seven most common coverages and doesn’t have new car replacement

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Exclusive to military members and veterans

COMPANY HIGHLIGHTS

USAA garnered perfect MoneyGeek scores in claims and user satisfaction, making them a reliable insurance provider for military personnel.

With USAA, you can add roadside assistance and rental car and/or travel reimbursement coverages to your policy. An uncommon coverage that USAA also offers is accident forgiveness. Apart from these add-ons, USAA doesn’t offer other coverages.

For discounts, USAA offers policyholders with five out of nine common discounts, including multiple car and bundling. A rare discount that USAA offers is vehicle storage. If you store a USAA-insured car, you could pay up to 60% less in premiums.

Read MoneyGeek's USAA Auto Insurance Review

Methodology

MoneyGeek compiled rates and details from insurance companies in Jacksonville, Florida, to determine the best insurers in the city. Our research was based on scores from industry leaders AM Best, J.D. Power and the National Association of Insurance Commissioners (NAIC).

Categories are scaled to five points each and the overall score is scaled to 100 points to generate our composite MoneyGeek score. Our weightings were adjusted for each of the below categories:

  • Affordability (70%): MoneyGeek compared premiums from insurers in Jacksonville to rank providers based on the cost of their policies. The provider with the cheapest rate in the city earned a perfect five out of five.
  • Customer satisfaction and claims satisfaction (20%): MoneyGeek consulted scores from J.D. Power surveys to measure customer satisfaction. J.D. Power analyzes each insurance provider based on its service and claims. Each subcategory was weighted equally at 10%.
  • Financial stability (10%): MoneyGeek utilized scores from AM best. AM Best ratings determine an insurance company’s ability to pay claims regardless of financial condition.

To determine an insurance company’s overall affordability score, MoneyGeek examined different driver profiles, accounting for factors like driving record, age and level of coverage. We filtered results to reflect each driver profile and outlined potential insurance companies for their unique needs. For example, MoneyGeek used a sample profile of an 18-year-old male with a clean driving record to find the best insurance company for young drivers.

For auto insurance rates, MoneyGeek’s methodology uses a full coverage policy with these limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $100,000 property damage liability
  • Comprehensive and collision coverage with a $1,000 deductible

Read MoneyGeek’s car insurance methodology to learn more about how and where we obtain information for our comparisons and scoring.

About the Author


expert-profile

Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.