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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.

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2023

Table of Contents (Jump to Your Best Fit)

Best Overall Car Insurance in Jacksonville

These companies offer the best overall car insurance policies in Jacksonville if you are looking for full coverage:

  • GEICO: MoneyGeek score 75 out of 100 ($1,092 per year)
  • State Farm: MoneyGeek score 73 out of 100 ($1,199 per year)

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?

GEICO

pros

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

cons

Low claims score

Lower coverage score

No gap insurance, deductible modification and new car replacement coverage

COMPANY HIGHLIGHTS

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.

Read MoneyGeek's GEICO Auto Insurance Review

How the Best Insurers in Jacksonville Rank: MoneyGeek Scores and Costs

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.

Company
MoneyGeek Score (out of 100)
Annual Premium
Satisfaction Score (out of 5)
Claims Score (out of 5)
Coverages Score (out of 5)
Stability Score (out of 5)

State Farm

76

$1,433

4

2

3

5

GEICO

75

$378

4

2

3

5

GEICO

75

$1,011

4

2

3

5

GEICO

75

$407

4

2

3

5

GEICO

75

$1,092

4

2

3

5

GEICO

75

$538

4

2

3

5

State Farm

74

$1,096

4

2

3

5

State Farm

73

$1,199

4

2

3

5

GEICO

73

$1,534

4

2

3

5

State Farm

73

$643

4

2

3

5

State Farm

71

$522

4

2

3

5

State Farm

71

$560

4

2

3

5

Travelers

70

$1,834

4

3

4

5

Travelers

70

$793

4

3

4

5

Nationwide

68

$1,726

3

2

4

4

Travelers

66

$729

4

3

4

5

Travelers

66

$705

4

3

4

5

Travelers

66

$1,529

4

3

4

5

Travelers

66

$1,605

4

3

4

5

Nationwide

65

$792

3

2

4

4

Nationwide

65

$1,359

3

2

4

4

Nationwide

65

$1,459

3

2

4

4

Nationwide

63

$687

3

2

4

4

Nationwide

63

$653

3

2

4

4

Mercury

59

$717

3

2

3

3

Mercury

59

$759

3

2

3

3

Allstate

59

$979

3

2

4

4

Mercury

58

$1,587

3

2

3

3

Mercury

58

$971

3

2

3

3

Progressive

58

$2,342

3

2

4

4

Mercury

57

$1,701

3

2

3

3

Allstate

57

$2,237

3

2

4

4

Mercury

55

$2,309

3

2

3

3

Farmers

54

$1,143

3

2

4

3

Progressive

54

$1,991

3

2

4

4

Progressive

53

$1,945

3

2

4

4

Farmers

53

$963

3

2

4

3

Allstate

52

$971

3

2

4

4

Progressive

52

$1,286

3

2

4

4

Farmers

52

$2,551

3

2

4

3

Allstate

51

$955

3

2

4

4

Farmers

50

$2,038

3

2

4

3

Farmers

49

$1,017

3

2

4

3

Progressive

49

$1,150

3

2

4

4

Allstate

48

$2,145

3

2

4

4

Progressive

47

$1,138

3

2

4

4

Allstate

47

$2,124

3

2

4

4

Farmers

45

$2,204

3

2

4

3

Direct General Insurance

32

$1,224

3

0

3

4

Direct General Insurance

32

$2,348

3

0

3

4

Direct General Insurance

32

$1,272

3

0

3

4

Direct General Insurance

32

$2,396

3

0

3

4

Direct General Insurance

32

$1,530

3

0

3

4

Direct General Insurance

32

$3,069

3

0

3

4

Best Car Insurance in Jacksonville for Customer Service

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: MoneyGeek score 60 out of 100 ($1,605 per year)
  • State Farm: MoneyGeek score 58 out of 100 ($1,199 per year)

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?

Travelers

pros

Good customer satisfaction score

Ranked well for coverage options

Has accident forgiveness, roadside assistance and rental car or travel reimbursement coverage

cons

Average rates

Below-average claims score

No deductible modification coverage

COMPANY HIGHLIGHTS

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.

Read MoneyGeek's Travelers Auto Insurance Review

What Makes an Insurer Best for Customer Service?

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.

Best Cheap Car Insurance in Jacksonville

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:

  • GEICO: MoneyGeek score 78 out of 100 ($407 per year)
  • State Farm: MoneyGeek score 71 out of 100 ($560 per year)

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?

GEICO

pros

An affordable minimum coverage policy costs $407 per year

Second-best insurer for customer satisfaction

Offers safe driving, multiple car, airbag and bundling discounts

cons

Ranks below average for claims management

Limited coverage options

No full payment and paperless payment discounts

COMPANY HIGHLIGHTS

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.

Read MoneyGeek's GEICO Auto Insurance Review

What Makes an Insurer the Best Cheap Option?

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.

Best Car Insurance in Jacksonville for Young Adults

The following insurers offer the best auto insurance for young drivers seeking a full coverage policy in Jacksonville:

  • State Farm: MoneyGeek score 76 out of 100 ($1,433 per year)
  • GEICO: MoneyGeek score 73 out of 100 ($1,534 per year)

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?

State Farm

pros

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

cons

Rated below average on claims experience

Lower coverage score

COMPANY HIGHLIGHTS

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.

Read MoneyGeek's State Farm Auto Insurance Review

What Makes an Insurer Best for Young Adults?

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.

Best Car Insurance in Jacksonville for Teens and Their Families

The best cheap auto insurance for teens in Jacksonville who are added to a full coverage family policy are:

  • Nationwide: MoneyGeek score 73 out of 100 ($3,068 per year)
  • GEICO: MoneyGeek score 65 out of 100 ($3,877 per year)

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?

Nationwide

pros

Affordable family policies costing around $3,068 annually

Great coverage options

Has a good student discount

cons

Poor claims management rating

Lower customer satisfaction score

Offers no distant student or driver’s education discount

COMPANY HIGHLIGHTS

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.

Read MoneyGeek's Nationwide Auto Insurance Review

What Makes an Insurer Best for Teens?

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.

Best Car Insurance in Jacksonville for Seniors

These companies offer the best auto insurance policies in Jacksonville for senior citizens looking for comprehensive coverage:

  • GEICO: MoneyGeek score 75 out of 100 ($1,011 per year)
  • State Farm: MoneyGeek score 74 out of 100 ($1,096 per year)

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?

GEICO

pros

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

cons

Has a poor claims management rating

Lower coverage score

Lacks deductible modification and gap insurance

COMPANY HIGHLIGHTS

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.

Read MoneyGeek's GEICO Auto Insurance Review

What Makes an Insurer Best for Seniors?

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.

Best Car Insurance in Jacksonville for Drivers With Offenses

The best auto insurers for drivers with a bad driving record in Jacksonville who need full coverage include the following:

  • State Farm: MoneyGeek score 76 out of 100 ($1,348 per year)
  • GEICO: MoneyGeek score 62 out of 100 ($2,168 per year)

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?

State Farm

pros

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

cons

Has a poor claims management rating

Low coverage score

Lacks accident forgiveness and new car or better car replacement coverage

COMPANY HIGHLIGHTS

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.

Read MoneyGeek's State Farm Auto Insurance Review

What Makes an Insurer Best for Drivers With Offenses?

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.

Best Car Insurance in Jacksonville for Drivers With New Cars

For individuals with new cars interested in a full coverage policy, the best auto insurance providers in Jacksonville include:

  • Travelers: MoneyGeek score of 76 out of 100 ($1,576 per year)
  • Farmers: MoneyGeek score of 50 out of 100 ($2,235 per year)

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?

Travelers

pros

Offers the cheapest coverage if you have a new car, costing around $1,576

Good coverage score

Provides new car replacement coverage

cons

Has no better car replacement or deductible modification coverage

Scored lower in customer satisfaction

COMPANY HIGHLIGHTS

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.

Read MoneyGeek's Travelers Auto Insurance Review

What Makes an Insurer Best for Drivers With New Cars?

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.

How to Find the Best Car Insurance in Jacksonville for You

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.

1

Research customer service reputations in Jacksonville

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.

2

Compare quotes

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.

3

Find the coverages you want in Jacksonville

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.

4

Check financial stability ratings

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.

Insurance Rates

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FAQs About the Best Car Insurance in Jacksonville

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.

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark 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 economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.