Travelers offers Jacksonville's lowest car insurance rates, with annual premiums of $641 for minimum coverage and $1,406 for full coverage. GEICO, Metropolitan Group and State Farm also provide competitive rates in the city.
Car Insurance in Jacksonville
Updated: August 12, 2025
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Key Takeaways
Jacksonville's cheapest car insurance companies are Travelers, Metropolitan Group and State Farm, with savings up to 44% compared to the city average.
Monthly car insurance costs in Jacksonville average $212 for full coverage and $90 for minimum coverage.
To get the best cheap auto insurance in Jacksonville, decide on coverage beforehand and compare quotes from multiple sources.
Who Has the Cheapest Car Insurance in Jacksonville?
| Travelers | $53 | $117 | -43% |
| Metropolitan Group | $57 | $142 | -34% |
| State Farm | $65 | $141 | -32% |
| GEICO | $54 | $175 | -24% |
| Nationwide | $74 | $158 | -23% |
Cheapest Jacksonville Car Insurance by Category
Travelers wins five driver categories for car insurance affordability in Jacksonville. GEICO offers the cheapest rates for drivers with bad credit, while State Farm leads for those with DUIs or older vehicles.
| Young Drivers | Travelers | $114 |
| Adult Drivers | Travelers | $53 |
| Senior Drivers | Travelers | $72 |
| Drivers With an Accident | Travelers | $72 |
| Drivers With a DUI | State Farm | $70 |
| Drivers With a Speeding Ticket | Metropolitan Group | $57 |
| Drivers With Bad Credit | GEICO | $74 |
| Drivers With Newer Cars | Travelers | $37 |
| Drivers With Old Cars | State Farm | $43 |
Compare the Cheapest Jacksonville Car Insurance for You
Your car insurance rate depends on factors like your driving record, age and credit score. Find the cheapest insurance companies for your specific driver profile in the table below.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Gender:Male
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Coverage Level:State Minimum Liability Only
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Credit:Good
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Driving Record:Clean
| Travelers | $53 | $641 | -43% |
| GEICO | $54 | $649 | -43% |
| State Farm | $65 | $775 | -32% |
| Nationwide | $74 | $883 | -22% |
| AIG | $82 | $988 | -13% |
Best Car Insurance Companies in Jacksonville
In Jacksonville, the top car insurance companies are Travelers, State Farm, Nationwide and GEICO. These providers stand out for offering competitive rates, reliable customer service and comprehensive coverage options.
| 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 |
Travelers: Best Overall Value
pros
Excellent customer service ratings
Multiple driver category wins
Strong coverage options available
cons
Higher coverage costs than competitors
Limited digital tools
COMPANY HIGHLIGHTS
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.
State Farm: Best for Customer Service
pros
Strong customer service track record
Competitive rates for most drivers
Local agent availability
cons
Limited coverage options
Higher rates for some violations
COMPANY HIGHLIGHTS
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.
How Much Is Car Insurance in Jacksonville?
In Jacksonville, minimum coverage costs about $90 per month or $1,080 per year, ranking 440th out of all Florida cities for affordability. Full coverage averages $212 monthly or $2,543 annually, ranking 440th among Florida cities.
| Full Coverage | $212 | $2,543 |
| Minimum Coverage | $90 | $1,080 |
Jacksonville Car Insurance Cost by Category
In Jacksonville, monthly coverage costs range from $65 to $499 depending on the driver profile. Check the table below to see rates for your category.
| Young Drivers | $203 | $499 |
| Adult Drivers | $90 | $212 |
| Senior Drivers | $115 | $275 |
| Drivers With an Accident | $127 | $301 |
| Drivers With a DUI | $124 | $282 |
| Drivers With a Speeding Ticket | $107 | $260 |
| Drivers With Bad Credit | $120 | $247 |
| Drivers With Newer Cars | $71 | $165 |
| Drivers With Old Cars | $65 | $149 |
Jacksonville Car Insurance Costs by ZIP Code
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.
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ZIP Code:32099
| 32099 | $85 | $201 |
Compare Personalized Jacksonville Car Insurance Costs
While average rates vary by ZIP code and coverage type, the table below lets you filter Jacksonville car insurance costs by your specific age group and driving record combination.
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Age Group:Adult Drivers
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Gender:Male
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Coverage Level:State Minimum Liability Only
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Credit:Good
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Driving Record:Clean
| $76 | $911 | -3% |
How to Get the Best Cheap Jacksonville Car Insurance
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.
- 1
Calculate your coverage 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.
- 2
Explore different coverage types
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.
- 3
Know the average costs
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.
- 4
Check available discounts
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.
- 5
Research insurance company ratings
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.
- 6
Get quotes from multiple providers
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.
- 7
Review your policy annually
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.
Cheapest Car Insurance in Jacksonville: Bottom Line
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.
Cheap Jacksonville Car Insurance: FAQ
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.
What is the cheapest car insurance company in Jacksonville, Florida?
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.
Who offers the best car insurance in Jacksonville?
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.
What is the average cost of car insurance in Jacksonville?
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.
Is car insurance in Jacksonville expensive?
Car insurance in Jacksonville costs more than average, ranking 440th for both minimum and full coverage affordability compared to other Florida cities.
How We Chose the Best and Cheapest Car Insurance in Jacksonville, FL
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:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- 12,000 miles driven annually
- Good credit
- Valid license
- Currently insured
- No claims history
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:
- $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
Our Best Company Rating Methodology
We rated all companies based on the following rating scale:
- Affordability (60% of score): To get this score, we evaluated quotes for various common driver profiles and compared rates to the competition within the city.
- Customer experience (30% of score): We used sources such as agency reviews on Google, J.D. Power, AM Best and forums like Reddit to gauge customer sentiment and experiences across the board.
- Coverage options (10% of score): This score considers the number of coverage options a provider offers and the uniqueness of the offering and benefits.
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!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.