Location is one of the factors that affect a person’s car insurance premium. Car insurance companies in Jacksonville consider the minimum coverage requirements, city accident and fatality statistics, car theft rankings, claims rates and other driver-specific factors. The best way to find the most accurate car insurance quotes in Jacksonville is to get a personalized quote suitable to your individual needs and circumstances.
Compare the Cheapest Car Insurance Quotes in Jacksonville, FL
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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.
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The Best Cheap Car Insurance Companies in Jacksonville
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.
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- CompanyAmountper year
- 1. USAA$770
- 2. GEICO$1,115
- 3. State Farm$1,440
- 4. Travelers$1,578
- 5. MetLife$1,779
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.
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Cheapest Car Insurance in Jacksonville by Coverage Amount
How much car insurance coverage you purchase in Jacksonville also affects how much your policy will cost. Coverage includes required liability coverage and optional items like collision, comprehensive, and deductibles.
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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.
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 by Coverage Type
Liability Only
- CompanyState Minimumper year50 / 100 / 50per year
- 1. USAA$338$489
- 2. GEICO$475$689
- 3. State Farm$738$1,007
- 4. Travelers$752$1,093
- 5. Allied$827$1,235
Full Coverage
- Company50 / 100 / 50per year100 / 300 / 100per year
- 1. USAA$708$770
- 2. GEICO$1,003$1,115
- 3. State Farm$1,249$1,440
- 4. Travelers$1,411$1,578
- 5. Allied$1,628$1,832
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Cheapest Car Insurance in Jacksonville if You Have Tickets
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
- 1. USAA$849$998$1,392
- 2. State Farm$1,547$1,653$1,547
- 3. GEICO$1,938$1,535$2,423
- 4. Allstate$1,907$2,526$2,448
- 5. Travelers$2,194$2,244$3,059
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
Insurance Providers That Serve Jacksonville
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.
Shopping around for car insurance in Jacksonville could save you $624, which is enough to buy:
208Cups of Coffee
48Months of Your Favorite Streaming Service
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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Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.
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