Updated: September 9, 2026
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Cheapest Car Insurance Companies in Jacksonville, FL:
Travelers offers the cheapest minimum coverage in Jacksonville at $53 a month, just $1 less than GEICO at $54. Travelers is also cheapest for full coverage in Jacksonville at $117 a month, $24 less than State Farm at $141.
Travelers wins on both price and quality in Jacksonville, especially for full coverage buyers who get faster claims resolution with the highest-scoring insurer in the state. Drivers who just need minimum coverage should at least quote Travelers, GEICO and Metropolitan Group — make sure to ask about all available discounts to see which company gives you the lowest rate.
$117 | $53 | -32% | |
$141 | $65 | -17% | |
Metropolitan Group | $142 | $57 | -20% |
$158 | $74 | -7% | |
$175 | $54 | -8% |
Travelers offers the cheapest full coverage rate for young drivers aged 16–25 in Jacksonville at $263 a month ($3,160 a year), $24 less than second-cheapest Metropolitan Group at $287.
If you're currently insured with Metropolitan Group, switching to Travelers saves $288 a year, which is enough to justify changing companies. Re-quote once your young driver turns 25, when most insurers drop the young-driver surcharge entirely.
Note: Teen drivers must meet Florida licensing requirements and may need parental consent for coverage.
| Travelers | $263 | $3,160 |
| Metropolitan Group | $287 | $3,449 |
| UAIC | $293 | $3,513 |
| State Farm | $310 | $3,716 |
| Nationwide | $348 | $4,176 |
Travelers charges Jacksonville seniors $158 a month ($1,890 a year) for full coverage, $6 less than second-cheapest UAIC at $164.
The difference between Travelers and GEICO, the most expensive of the city's five cheapest insurers for seniors, is $42 a month, or $504 a year left on the table. Shopping insurers annually is the best way to avoid overpaying for car insurance as a senior.
Florida law requires every insurer to apply a discount to drivers 55 and older who complete an approved Mature Driver course, typically up to 10%. Applied to Travelers' $158 rate, that's about $16 a month saved, or roughly $189 over the three-year discount period.
| Travelers | $158 | $1,890 |
| UAIC | $164 | $1,965 |
| State Farm | $169 | $2,034 |
| Metropolitan Group | $176 | $2,117 |
| Geico | $200 | $2,396 |
Metropolitan Group charges Jacksonville drivers $57 a month for a speeding ticket, the exact same rate it charges clean-record drivers, unlike every other insurer in the city.
For other violations, State Farm offers the cheapest DUI rate at $70 a month, and Travelers is cheapest for at-fault accidents at $72 a month. Florida requires an FR-44 filing — not the SR-22 used in most states — for drivers convicted of DUI, and it carries double the state's standard liability limits for three years from license reinstatement. Re-quote as that three-year window closes; rates typically drop once the filing requirement ends.
| State Farm | $70 | $834 |
| Travelers | $79 | $950 |
| Metropolitan Group | $88 | $1,051 |
| Geico | $93 | $1,116 |
| AIG | $96 | $1,153 |
A DUI causes the largest average increase in Jacksonville, ranging from 8% (State Farm, $65 to $70) to 72% (GEICO, $54 to $93), depending on the insurer. Florida's FR-44 filing requirement, which mandates double the standard liability limits for three years, drives up the cost further for many drivers.
State Farm is notably forgiving on DUIs, raising its rate by just 8%, far below the 20%+ jump most carriers apply. But the carrier-to-carrier difference actually widens most after a speeding ticket: Metropolitan Group's $57 versus GEICO's $90 is a 57% difference, compared to a 38% difference among clean-record shoppers.
Jacksonville's average full coverage premium is $175 a month, $30 more than Florida's $145 average. Minimum coverage runs $74 a month in Jacksonville versus $62 statewide, a $12 difference.
Young drivers pay the most of any bracket, averaging $300 a month for full coverage among the city's five cheapest insurers.
Although Jacksonville is more expensive on average than the rest of Florida, carrier choice can erase the entire city-vs-state difference and then some. Case in point: Travelers' $117/month full coverage rate in Jacksonville actually undercuts the Florida average by $28.
Full Coverage | $175 | $145 |
Minimum Coverage | $74 | $62 |
The cheapest ZIP code in Jacksonville, 32256, charges $80 a month for minimum coverage and $187 for full coverage. The most expensive, 32210, costs $129 for minimum and $306 for full coverage, a difference of $49 a month for minimum coverage and $119 a month for full coverage.
Jacksonville's most populated ZIP codes — 32210, 32211 and 32244 — charge $129, $91 and $123 a month for minimum coverage, and $306, $212 and $294 for full coverage. Two of those three, 32210 and 32244, sit far above the rest of the city due to a higher concentration of accidents and vehicle theft in those specific areas.
| 32099 | $85 | $201 |
| 32202 | $91 | $214 |
| 32204 | $91 | $214 |
| 32205 | $91 | $214 |
| 32206 | $92 | $217 |
| 32207 | $90 | $211 |
| 32208 | $92 | $215 |
| 32209 | $91 | $214 |
| 32210 | $129 | $306 |
| 32211 | $91 | $212 |
| 32212 | $86 | $203 |
| 32216 | $82 | $193 |
| 32217 | $87 | $204 |
| 32218 | $88 | $207 |
| 32219 | $89 | $209 |
| 32220 | $86 | $204 |
| 32221 | $124 | $297 |
| 32222 | $86 | $203 |
| 32223 | $80 | $188 |
| 32224 | $80 | $188 |
| 32225 | $82 | $192 |
| 32226 | $84 | $198 |
| 32227 | $80 | $189 |
| 32233 | $80 | $189 |
| 32234 | $84 | $198 |
| 32244 | $123 | $294 |
| 32246 | $82 | $193 |
| 32254 | $88 | $209 |
| 32256 | $80 | $187 |
| 32257 | $86 | $201 |
| 32258 | $80 | $187 |
| 32277 | $88 | $206 |
In Jacksonville, your ZIP code moves your rate more than any single carrier switch: full coverage swings $119 a month between the cheapest and most expensive ZIP codes, compared to a $58 difference between the cheapest and priciest of the city's top five insurers. Confirming your address and comparing carriers together cuts the most from your bill.
Make sure you're using your current address at renewal. Drivers in ZIP 32210 pay $306 a month for full coverage, compared to just $187 in 32256. If you've moved recently, update your address with your insurer before your next renewal. Otherwise, you could keep paying your old ZIP code's rate.
Travelers charges $64 a month more for full coverage than minimum coverage ($117 vs. $53). If your vehicle's actual cash value is low relative to your premium and your car isn't financed or leased, dropping comprehensive and collision coverage can save the difference. If your vehicle is financed, your lender likely requires full coverage. Try MoneyGeek's car insurance coverage needs calculator for a personalized recommendation.
The difference between Travelers ($117/month) and GEICO ($175/month) is $58 a month for full coverage, the widest spread among the city's five cheapest insurers. Get quotes from at least three insurers every year to make sure you're getting the best rate for your driver profile in Jacksonville.
How much you save depends on your insurer and violation type: GEICO's DUI surcharge alone is $39 a month above its clean-record rate, while State Farm's is under $5. Get fresh quotes about a month before your violation clears your record.
Florida law requires insurers to discount your rate, typically by up to 10%, once you complete an approved course. Applied to Travelers' senior rate, that's roughly $16 a month. Confirm your insurer has applied the discount before your next renewal.
Travelers offers an average 11% bundle discount on combined home and auto policies in Florida, which works out to roughly $13 a month on its $117 Jacksonville full coverage rate. Check every discount your insurer offers, including multi-car discounts, since bundling isn't applied automatically.
Travelers has Jacksonville's cheapest minimum coverage at $636 a year ($53 a month) and the lowest full coverage at $1,406 a year ($117 a month). Since personal factors affect your rate, compare quotes from multiple companies to confirm your best deal.
Car insurance in Jacksonville averages $2,100 a year for full coverage and $888 a year for minimum coverage. Your actual cost depends on personal factors like driving record and ZIP code.
Yes. Jacksonville drivers pay $30 more a month for full coverage and $12 more a month for minimum coverage than the Florida average.
Yes. Florida requires an FR-44 filing, not the SR-22 used in most other states, for three years after a DUI conviction, with liability limits double the state minimum. State Farm offers the cheapest DUI rate in Jacksonville at $70 a month.
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.
Mark Fitzpatrick is a licensed Property and Casualty (P&C) Insurance Producer in Connecticut and MoneyGeek's resident expert in insurance and economics. In nearly a decade covering the insurance market at LendingTree and MoneyGeek, he's analyzed hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.
His work has appeared in The Washington Post, The New York Times and NPR. He draws on independent cost and consumer experience data, and no insurance company partnerships affect his recommendations.
Mark studied at Boston College and later earned a master's in economics and international relations from Johns Hopkins University. He worked in financial risk management at State Street before joining MoneyGeek. He's also a five-time “Jeopardy!” champion.
