Updated: November 11, 2025
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Travelers offers the cheapest car insurance in Jacksonville. GEICO, State Farm, Metropolitan Group and Nationwide also provide coverage in the city.
Car insurance in Jacksonville costs an average of $1,080 per year for minimum coverage and $2,543 per year for full coverage
Travelers also offers the cheapest car insurance in Florida at $618 per year for minimum coverage and $1,343 per year for full coverage.
Adult drivers with Travelers pay Jacksonville's cheapest rates at $641 annually for minimum coverage. Young drivers with Travelers pay $1,370 per year, 114% more than clean-record adults with Travelers.
Senior drivers from State Farm pay $861 annually, 34% more than adults with Travelers. Drivers with a DUI from State Farm pay $834 per year, 30% more than clean-record adults with Travelers.
Jacksonville's moderate violation penalties make it more forgiving than many Florida markets.
| Drivers With Newer Cars | Travelers | $37 |
| Drivers With Old Cars | State Farm | $43 |
| Adult Drivers | Travelers | $53 |
| Drivers With a Speeding Ticket | Metropolitan Group | $57 |
| Drivers With a DUI | State Farm | $70 |
| Drivers With an Accident | Travelers | $72 |
| Senior Drivers | Travelers | $72 |
| Drivers With Bad Credit | GEICO | $74 |
| Young Drivers | Travelers | $114 |
Travelers offers the lowest rates at $641 per year for minimum coverage, running 41% under the city average of $1,080. State Farm charges $775 annually for minimum coverage, and provides $1,405 for full coverage. Metropolitan Group and GEICO provide competitive alternatives at $689 and $649 annually for minimum coverage.
The tight clustering of rates among top insurers means Jacksonville drivers benefit from comparing several options to find their best match. Competition among carriers keeps Jacksonville rates more reasonable than many Florida cities.
| Travelers | $53 | $117 | -43% |
| GEICO | $54 | $175 | -24% |
| Metropolitan Group | $57 | $142 | -34% |
| State Farm | $65 | $141 | -32% |
| Nationwide | $74 | $158 | -23% |
Young drivers face the highest costs at $1,370 annually with Travelers for minimum coverage. Adult drivers secure the best rates at $641 per year with State Farm, enjoying substantial savings.
Senior drivers from State Farm pay $861 annually, about 34% more than adults. Both adults and seniors find their best option with State Farm.
State Farm's consistent dominance across adult and senior categories simplifies shopping for most Jacksonville drivers.
| Travelers | $53 | $641 | -41% |
| Geico | $54 | $649 | -40% |
| Metropolitan Group | $57 | $689 | -36% |
| State Farm | $65 | $775 | -28% |
| Nationwide | $74 | $883 | -18% |
Speeding tickets produce moderate impacts at $689 annually with Metropolitan Group. At-fault accidents result in higher costs at $859 per year with Travelers.
DUIs create similar penalties at $834 annually with State Farm, a 30% increase over clean-record rates. Comparing quotes helps you understand how each insurer treats your specific situation.
Jacksonville's moderate treatment of violations provides some relief compared to other Florida markets.
| Travelers | $72 | $859 |
| State Farm | $75 | $899 |
| Geico | $76 | $907 |
| Metropolitan Group | $80 | $956 |
| Nationwide | $102 | $1,219 |
Travelers tops Jacksonville’s market with a MoneyGeek score of 98 out of 100, the highest in the city. The company offers low premiums, strong customer satisfaction and few complaints, giving drivers dependable coverage at a good price.
State Farm provides excellent value with the lowest rates for most driver types and strong customer reviews. Its large network of local agents offers the kind of personal service many Jacksonville drivers prefer.
Both companies offer strong value, balancing cost and service in different ways.
| 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 |
Great customer service
Multiple driver category wins
Flexible coverage choices
Costs slightly more than some competitors
Fewer online tools and features
Travelers ranks as Jacksonville’s top car insurance provider for its strong customer service and competitive pricing. It holds the highest scores for both affordability and overall experience in the area.
The company performs especially well for drivers with new cars, young drivers and seniors, offering some of the lowest rates for these groups. Its high customer satisfaction ratings also reflect quick claims handling and dependable support.
Great customer service reputation
Competitive rates for most drivers
Large network of local agents
Fewer coverage options
Higher rates for some violations
State Farm ranks second in Jacksonville for its strong mix of service and value. It offers rates below the city average while maintaining high customer satisfaction. The company is a good choice for drivers with older cars or minor violations, offering affordable coverage for these groups. Its wide network of local agents also gives drivers easy access to personal support.
Car insurance in Jacksonville costs about $1,080 per year for minimum coverage and $2,543 for full coverage. These averages are slightly lower than Florida’s statewide rate of $980 for minimum coverage.
State Farm offers some of the most affordable options, with minimum coverage starting at $641 per year. Overall, Jacksonville drivers pay moderate premiums compared to other Florida cities, thanks to competitive pricing among insurers.
| Full Coverage | $212 | $2,543 |
| Minimum Coverage | $90 | $1,080 |
In Jacksonville, car insurance costs range from $80 to $306 per month depending on your ZIP code. Drivers in ZIP code 32210 pay the most, while those in 32223 enjoy the lowest rates. See the table below for average prices in your area.
| 32099 | $85 | $201 |
Jacksonville’s high rates and complex coverage options make it tough to find affordable car insurance. This guide walks you through how to save money and still get the protection you need.
Figure out how much coverage you need for your Jacksonville commute. Think about your car’s value, your savings and local risks like heavy traffic or hurricane season. Use our car insurance coverage needs calculator to find the coverage that works best for you.
Learn more about the different types of car insurance to find ways to save. If you don’t drive often, a pay-per-mile plan might be a good fit. If you don’t own a car, consider non-owner insurance for occasional driving.
Look into the average car insurance rates in Jacksonville so you’ll know what to expect. This helps you spot fair deals and avoid overpaying. Rates vary across ZIP codes, so it’s worth comparing prices in your area.
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.
Read customer reviews and check financial strength ratings for insurers in Jacksonville. Choose companies with a solid local presence and good reputations for handling claims. It also helps to pick insurers that offer 24/7 support and easy-to-use digital tools.
Request quotes from at least three insurance companies. Try a mix of local agents, online tools and direct carrier websites. Make sure each quote uses the same coverage levels and deductibles so you can compare them accurately.
Review your car insurance policy each year. Changes like a higher credit score, added safety features or driving less could help you qualify for lower rates. Compare new quotes regularly to be sure you’re still getting the best deal.
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.
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.
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.
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.
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.
Car insurance in Jacksonville costs more than average, ranking 440th for both minimum and full coverage affordability compared to other Florida cities.
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:
We adjusted factors like age, driving record, credit score and military status to identify the best insurers for different driver profiles.
Coverage Levels in Jacksonville
MoneyGeek reviewed the most affordable insurers in Jacksonville for both minimum and full coverage policies.
Florida’s minimum coverage requirements:
Full coverage policy limits used:
Our Best Company Rating Methodology
MoneyGeek based its Jacksonville rankings on three main factors:
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!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
