bestauto insuranceJacksonville2022Compare the Cheapest Car Insurance Quotes in Jacksonville, FL
The average auto insurance rate in Jacksonville is $1,739 annually, cheaper than the state’s average premium. The cheapest widely-available insurance company is GEICO, with an average rate of $1,115. To find the best rates for different drivers, MoneyGeek analyzed the cheapest by coverage amount and driving history. MoneyGeek also recommended the best companies that balance quality and affordability.
Compare Auto Insurance Rates
Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.
Last Updated: 5/16/2022
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Mark Fitzpatrick
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In Jacksonville, GEICO offers full coverage auto insurance for an average of $1,115 per year or state-required minimum coverage for roughly $475 per year. Drivers with speeding ticket violations can save the most money with State Farm, which charges an average annual premium of $1,547. USAA's coverage may be the most comprehensive for military families. MoneyGeek recommends GEICO for both price and customer service.
bestauto insuranceJacksonville2022The Cheapest and Best Car Insurance in Jacksonville
The Cheapest Car Insurance Companies in Jacksonville
These insurers offer the best value for the average Jacksonville driver with a full coverage policy:
- GEICO: $1,115 annually
- State Farm: $1,440 annually
With an annual premium of $770, USAA is a good option for Jacksonville military personnel and their families.
In Jacksonville, GEICO is the most affordable option for car insurance. In contrast, Progressive's annual premium is roughly $2,253, which is the most expensive in the city. Comprehensive and collision coverage is included in both insurers' premiums for full coverage car insurance. Comprehensive and collision insurance are included in full coverage policies. However, the cost varies depending on the liability limits you choose.
Cheapest Car Insurance in Jacksonville
Full Coverage 100/300/100
- Company100/300/100per year
- 1.$770
- 2.$1,115
- 3.$1,440
- 4.$1,578
- 5.$1,779
MoneyGeek's analysis based its findings on rates for a 40-year-old male driver with a full coverage policy as described in our methodology.
A comprehensive and collision coverage will cost more than a policy with only liability coverage. Full coverage car insurance, on the other hand, provides additional security in the event of an accident by helping to cover the costs of car damage. This is important since it guards you against the high expense of vehicle damage.
- Collision Insurance: This protects you by paying for vehicle damage if you cause an accident and collide with another driver or a tree, fence or another stationary object.
- Comprehensive Insurance: This protects you against damage to your car from non-collision, such as hail, theft or vandalism.
If you own an older car, note that full coverage car insurance may cost you more than the car is worth. This is when liability only insurance or even state-minimum coverage may be your best bet for getting the lowest prices possible.
Compare Car Insurance Rates in Jacksonville
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.
Cheapest Car Insurance in Jacksonville for Minimum Coverage
In Jacksonville, policies with minimal coverage are the most cost-effective option. State minimum insurance policies have the following insurers as the most affordable options:
- GEICO: $475 per year
- State Farm: $738 per year
Former and present Jacksonville military personnel and their families will find USAA auto insurance an affordable alternative with an annual rate of $338.
GEICO's policy has a yearly premium that is less than Progressive's at $1,312. You'll save money by opting for minimum coverage policies, but you'll be at risk of not being fully covered if you don't have collision and comprehensive insurance. See how rates change when liability limitations increase using the table below.
Cheapest Minimum Liability Car Insurance in Jacksonville
State Minimum
- CompanyState Minimumper year
- 1.$338
- 2.$475
- 3.$738
- 4.$752
- 5.Allied$827
In Florida, drivers are required to have state minimum liability-only auto insurance with $10,000 in personal injury protection and $10,000 in property damage liability coverage. This is the cheapest auto insurance option in Jacksonville, but the trade-off for low premiums is that you may have to pay substantially more out of pocket after an accident.
For instance, if you're in an accident and the other driver’s total medical bills reach $15,000, you would be covered for $10,000 and have to pay the remaining $5,000 yourself.
Florida Minimum Liability Requirements
- ItemDescription
- Property Damage$10,000 for property damage. A more protective level is 100/300/100.
- Personal Injury Protection$10,000 per person.
Cheapest Car Insurance in Jacksonville if You Have Driving Violations
A traffic violation, such as a speeding ticket or a DUI, can considerably impact the cost of car insurance in Jacksonville. On average, the following are the most affordable insurance providers based on your particular violation:
- Cheapest after a ticket: State Farm, $1,547 per year
- Cheapest after an at-fault accident: GEICO, $1,535 per year
- Cheapest after a DUI: State Farm, $1,1547 per year
If you have a history of driving violations on your record, your best bet is to work on improving your record over time. After a ticket or a car accident, shop around for insurance plans to see which companies offer the most affordable rates.
Cheapest Car Insurance in Jacksonville With a Violation
Speeding Ticket
- CompanySpeeding Ticketper year
- 1.$849
- 2.$1,547
- 3.$1,907
- 4.$1,938
- 5.$2,121
Average Cost of Car Insurance in Jacksonville
Jacksonville$1,739
Florida$2,208
U.S.$1,424
The average car insurance rate in Jacksonville is $1,739 per year, which is lower than the average state premium but higher than the national average. In comparison, the city's premium is about 21.3% lower than the $2,208 Florida average annual premium. However, drivers in Jacksonville pay approximately 22.1% more than the $1,424 average annual cost of car insurance in the United States.
Personalized Quotes to Get You the Cheapest Car Insurance in Jacksonville
Insurance providers determine car insurance quotes in Jacksonville using various factors, including age, gender, credit score, make and model of the vehicle, driving history and ZIP code, among others. For instance, an 18-year-old male can get a GEICO policy for an average of $2,938 per year. However, the company will give a cheaper average annual rate of $1,115 for a 40-year-old male. It is important to note that any changes in your circumstances will also affect your car insurance annual premium. So, it is best to get personalized quotes regularly.
Compare Car Insurance Rates in Jacksonville
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.
The Best Car Insurance Companies in Jacksonville
MoneyGeek ranked auto insurance companies in Jacksonville to find the best carriers that offer quality service and policies at a fair price. The best insurers in the city for most drivers are:
- GEICO: MoneyGeek score of 95 out of 100
- State Farm: MoneyGeek score of 85 out of 100
MoneyGeek's scoring system gave USAA the highest possible score in Jacksonville. However, USAA is exclusively available for military personnel, veterans and their families.
MoneyGeek's rating system factors in J.D. Power’s user satisfaction, pricing and financial stability scores to arrive at the final rankings.
1
USAA
Score:100
2
Esurance
Score:95
3
GEICO
Score:85
4
Travelers
Score:85
5
MetLife
Score:82.5
6
Hartford
Score:82.5
7
Liberty Mutual
Score:80
8
Auto-Owners Insurance Co
Score:80
9
State Farm
Score:77.5
10
Nationwide
Score:77.5
11
Progressive
Score:75
12
Safeco
Score:75
Average Cost of Car Insurance by Postal Code
Where you reside plays a big role in how much your car insurance will cost. For example, average car insurance rates in Jacksonville based on ZIP code range from $1,616 to $1,859 annually. Drivers living in the 32256 ZIP code have the most affordable average annual premium, which is $242 lower than the most expensive neighborhood in terms of auto coverage — 32218.
- Zip CodeState Minimumper year
- 32256$1,616
- 32246$1,644
- 32225$1,649
- 32257$1,744
- 32210$1,815
Factors That Impact Insurance Costs in Jacksonville
In addition to individual driver needs and history, location-specific factors like personal injury protection coverage requirements and the percentage of uninsured motorists also contribute to car insurance rates in Jacksonville. How Jacksonville ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.
Methodology and Assumptions
MoneyGeek’s average premium rates for Jacksonville are based on 100/300/100 comprehensive collision coverage with a $1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on coverage type, location and driving record. Learn more about MoneyGeek’s data and methodology here.
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