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 the Cheapest Car Insurance Quotes in Jacksonville, FL
The Cheapest and Best Car Insurance in Jacksonville
The Cheapest Car Insurance Companies in Jacksonville
For the average Jacksonville driver with a full coverage policy, the cheapest companies are:
- USAA: $770 per year (only available to current and former military members)
- GEICO: $1,115 annually
In terms of affordability, the top car insurance company in Jacksonville is USAA, which offers an average annual premium of $770. However, USAA membership is exclusive to those who served, or are serving, in the military and their families. The second most affordable car insurance provider is GEICO, which has an average $1,115 annual premium, which is $624 less than the citywide average. Progressive offers the highest average premium at $2,253, which is more than twice as expensive as GEICO.
MoneyGeek compared prices for a sample driver profile, who is a 40-year-old male driver with a full coverage policy that includes liability insurance as well as comprehensive and collision insurance.
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Average Cost of Car Insurance in Jacksonville
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.
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:
- Esurance: MoneyGeek score of 95 out of 100
- GEICO: MoneyGeek score of 85 out of 100
USAA received the highest score in Jacksonville by MoneyGeek's rating system. However, because USAA is only available to military members, veterans and their families, it is not listed as best overall.
The scores are based on MoneyGeek’s rating system that considers various factors, such as J.D. Power user satisfaction, affordability and financial stability.
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.
Shopping around for car insurance in Jacksonville could save you $624, which is enough to buy:
Cheapest Car Insurance in Jacksonville by Coverage Amount
The amount of coverage that you choose for your auto insurance policy will impact the cost of your premium in Jacksonville and elsewhere. The cost of a state minimum liability-only policy in Jacksonville is $869 on average, while the average rate for a full coverage policy in the city is $1,739 per year. That is a difference of $870 annually.
Florida Minimum Liability Requirements
- Property Damage$10,000 for property damage. A more protective level is 100/300/100.
- Personal Injury Protection$10,000 per person.
Aside from the state minimum liability coverage, drivers in Jacksonville have access to 50/100/50 liability-only and full-coverage plans, which means they can claim up to $50,000 in individual injuries per person with a limit of $100,000 per vehicle, along with $50,000 for property damage. A more comprehensive option is the 100/300/100 full-coverage plan.
For MetLife policyholders, the average annual difference between the 50/100/50 liability-only plan and full coverage is only $127. Allied has the biggest difference between the two options, which totals an average of $394. The cheapest option for a state minimum liability plan is USAA at an average of $338, while GEICO comes in second with an average of $475. These two companies also come out on top when it comes to the 100/300/100 full-coverage plan with $770 and $1,115 averages, respectively.
Average Car Insurance Premiums: Liability-Only vs. Full Coverage
- CompanyState Minimumper year50 / 100 / 50per year
- Company50 / 100 / 50per year100 / 300 / 100per year
Cheapest Car Insurance in Jacksonville if You Have Driving Violations
Driving responsibly doesn’t just keep you and your vehicle safe, but it also has a positive effect on your average car insurance premium. For instance, a State Farm policy for a driver in Jacksonville with a clean record costs an average of $1,440 per year. However, if they get speeding tickets or a DUI on their record, their premium will increase by about $106. A driver who has been involved in an accident where he is at fault will have to pay an annual premium of $1,653.
- CompanySpeeding Ticketper yearAt-Fault Accidentper yearDUIper year
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
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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