Compare Rates and Save on Auto Insurance

widget-location-pin

Your profile and coverage needs influence the cheapest auto insurance carrier.

The cheapest in Jacksonville for full and minimum coverage is GEICO. It’s also the lowest for senior drivers with a sports car or a military background. State Farm is the cheapest for young drivers or with a driving violation. Nationwide has the best rate for teens or with poor credit.

When balancing cost and service quality, we found the best car insurance in Jacksonville.

MoneyGeek Logo IconCheapestCar InsuranceJacksonville
2023

Cheapest Car Insurance in Jacksonville, FL

Cheapest Minimum Coverage Car Insurance in Jacksonville

MoneyGeek found that the car insurance companies offering the average cheapest minimum coverage policy in Jacksonville are:

  • GEICO: $407 per year
  • State Farm: $560 per year

From the companies MoneyGeek reviewed quotes for, Direct General has the most expensive minimum coverage auto insurance in Jacksonville at roughly $1,272 yearly.

As of October 2022, the average cheapest auto insurance carrier in Florida, charging about $658 per year, is Travelers. But in Jacksonville, Travelers charges roughly $729 yearly for minimum coverage, making it a more expensive choice than GEICO and State Farm. Location can determine which auto insurance company is the cheapest.

Company
Annual Premium
Monthly Premium

GEICO

$378

$32

GEICO

$407

$34

State Farm

$522

$44

GEICO

$538

$45

State Farm

$560

$47

State Farm

$643

$54

Nationwide

$653

$54

Nationwide

$687

$57

Travelers

$705

$59

Mercury

$717

$60

Travelers

$729

$61

Mercury

$759

$63

Nationwide

$792

$66

Travelers

$793

$66

Allstate

$955

$80

Farmers

$963

$80

Allstate

$971

$81

Mercury

$971

$81

Allstate

$979

$82

GEICO

$1,011

$84

Farmers

$1,017

$85

GEICO

$1,092

$91

State Farm

$1,096

$91

Progressive

$1,138

$95

Farmers

$1,143

$95

Progressive

$1,150

$96

State Farm

$1,199

$100

Direct General Insurance

$1,224

$102

Direct General Insurance

$1,272

$106

Progressive

$1,286

$107

Nationwide

$1,359

$113

State Farm

$1,433

$119

Nationwide

$1,459

$122

Travelers

$1,529

$127

Direct General Insurance

$1,530

$128

GEICO

$1,534

$128

Mercury

$1,587

$132

Travelers

$1,605

$134

Mercury

$1,701

$142

Nationwide

$1,726

$144

Travelers

$1,834

$153

Progressive

$1,945

$162

Progressive

$1,991

$166

Farmers

$2,038

$170

Allstate

$2,124

$177

Allstate

$2,145

$179

Farmers

$2,204

$184

Allstate

$2,237

$186

Mercury

$2,309

$192

Progressive

$2,342

$195

Direct General Insurance

$2,348

$196

Direct General Insurance

$2,396

$200

Farmers

$2,551

$213

Direct General Insurance

$3,069

$256

Insurance Rates

Compare Insurance Rates

Ensure you are getting the best rate for your insurance. Compare quotes from the top insurance companies.

widget-location-pin

The minimum car insurance requirement in Florida comprises property damage liability and personal injury protection (PIP) with the following limits:

  • $10,000 property damage liability per accident
  • $10,000 personal injury protection (PIP)

With a property damage liability limit of $10,000, if you get involved in an at-fault accident and the damage costs are $10,000 or less, the insurer will cover all the expenses. However, if it is more than the maximum limit, for instance, $20,000, you will pay $10,000 out of pocket.

Florida’s minimum coverage policy does not include bodily injury liability coverage. That means your policy will not cover injuries to third parties in case of an at-fault accident.

mglogo icon
WHAT IS PERSONAL INJURY PROTECTION (PIP)?

Personal injury protection (PIP) is a requirement for all auto insurance policies in Florida. PIP, often referred to as no-fault insurance, covers the policyholder and their passengers' medical expenses (and maybe their health insurance deductible), lost wages, funeral costs and other costs that may arise after an accident, regardless of who is at fault. It may also cover costs associated with an injury that occurs when you are not driving, such as if you are hit by a car while walking or riding your bike.

PIP does not cover property damage or costs associated with the other driver's injuries.

To have coverage for the above, you need to include bodily injury liability and property damage liability on your Jacksonville auto policy. Florida requires property damage liability but at a very low limit. Insurance professionals recommend an auto insurance policy with at least $100,000 bodily injury liability per person, $300,000 bodily injury liability per accident and $100,000 property damage liability per accident. Plus, if you finance or lease your vehicle or want financial protection for it in an at-fault accident or non-collision event, such as flooding or theft, you should add collision and comprehensive coverage to create a full coverage policy.

Cheapest Full Coverage Car Insurance in Jacksonville

The insurers offering the average cheapest full coverage policy in Jacksonville are:

  • GEICO: $1,092 per year
  • State Farm: $1,199 per year

Direct General is the highest-priced insurer for a full coverage policy in Jacksonville at roughly $2,396 a year.

On average, Travelers has the cheapest full coverage auto insurance in Florida, costing $1,394 per year as of October 2022. That shows how location can affect rates since the cheapest insurer in Jacksonville, GEICO, charges much less than Travelers’ average statewide cost.

Company
Annual Premium
Monthly Premium

GEICO

$378

$32

GEICO

$407

$34

State Farm

$522

$44

GEICO

$538

$45

State Farm

$560

$47

State Farm

$643

$54

Nationwide

$653

$54

Nationwide

$687

$57

Travelers

$705

$59

Mercury

$717

$60

Travelers

$729

$61

Mercury

$759

$63

Nationwide

$792

$66

Travelers

$793

$66

Allstate

$955

$80

Farmers

$963

$80

Allstate

$971

$81

Mercury

$971

$81

Allstate

$979

$82

GEICO

$1,011

$84

Farmers

$1,017

$85

GEICO

$1,092

$91

State Farm

$1,096

$91

Progressive

$1,138

$95

Farmers

$1,143

$95

Progressive

$1,150

$96

State Farm

$1,199

$100

Direct General Insurance

$1,224

$102

Direct General Insurance

$1,272

$106

Progressive

$1,286

$107

Nationwide

$1,359

$113

State Farm

$1,433

$119

Nationwide

$1,459

$122

Travelers

$1,529

$127

Direct General Insurance

$1,530

$128

GEICO

$1,534

$128

Mercury

$1,587

$132

Travelers

$1,605

$134

Mercury

$1,701

$142

Nationwide

$1,726

$144

Travelers

$1,834

$153

Progressive

$1,945

$162

Progressive

$1,991

$166

Farmers

$2,038

$170

Allstate

$2,124

$177

Allstate

$2,145

$179

Farmers

$2,204

$184

Allstate

$2,237

$186

Mercury

$2,309

$192

Progressive

$2,342

$195

Direct General Insurance

$2,348

$196

Direct General Insurance

$2,396

$200

Farmers

$2,551

$213

Direct General Insurance

$3,069

$256

A full coverage policy provides added financial protection through collision and comprehensive coverage.

  • Comprehensive insurance: If your car gets damaged in a non-accident incident, such as theft, fire, weather events or vandalism, comprehensive insurance covers the costs related to the repair or replacement of your vehicle.
  • Collision insurance: If your car gets damaged in an at-fault accident due to a collision with another vehicle or an object, such as a tree, fence or light post, collision insurance pays to repair or replace it. Collision also covers rollovers.

Full coverage car insurance is ideal for most drivers. However, the policy may not be a good choice for individuals with older cars that have a very depreciated value.

Loading...
  • coins2 icon

    Compare

    Compare minimum and full coverage policies.

  • find icon

    Find the best option

    Get matched with an insurer in Jacksonville.

  • financialPlanning icon

    Discover savings

    Cheaper insurers could pocket you hundreds of dollars per year.

Cheapest Car Insurance in Jacksonville After a Driving Offense

Jacksonville drivers with a moving violation find the average cheapest full coverage auto insurance from the following companies:

  • Speeding ticket: State Farm ($1,348 per year)
  • At-fault accident: State Farm ($1,460 per year)
  • DUI: State Farm ($1,348 per year)

On average, the most expensive company in the city for the same coverage with a speeding ticket ($2,756 per year) is Progressive, or with an at-fault accident ($3,805 per year), it is Allstate. With a DUI, Nationwide, at around $3,252 per year, is the most.

A traffic violation causes an upsurge in your premium for typically 3-5 years, and although you may choose the cheapest company in the city, your policy may still cost more than what a safe driver pays.

Company
Annual Premium
Monthly Premium

GEICO

$575

$48

State Farm

$592

$49

State Farm

$592

$49

GEICO

$613

$51

State Farm

$636

$53

State Farm

$636

$53

State Farm

$645

$54

GEICO

$670

$56

State Farm

$694

$58

GEICO

$705

$59

GEICO

$730

$61

State Farm

$733

$61

State Farm

$733

$61

GEICO

$754

$63

Nationwide

$777

$65

GEICO

$782

$65

GEICO

$797

$66

State Farm

$800

$67

Nationwide

$812

$68

Nationwide

$917

$76

Nationwide

$955

$80

Allstate

$955

$80

Allstate

$971

$81

Allstate

$979

$82

Nationwide

$994

$83

GEICO

$996

$83

Travelers

$999

$83

Travelers

$1,011

$84

Mercury

$1,027

$86

Farmers

$1,034

$86

Travelers

$1,039

$87

Travelers

$1,060

$88

Travelers

$1,073

$89

Farmers

$1,103

$92

Travelers

$1,107

$92

Nationwide

$1,110

$93

Mercury

$1,160

$97

Farmers

$1,190

$99

Allstate

$1,215

$101

Farmers

$1,216

$101

Allstate

$1,218

$102

Travelers

$1,223

$102

Direct General Insurance

$1,224

$102

State Farm

$1,233

$103

State Farm

$1,233

$103

Allstate

$1,234

$103

Travelers

$1,237

$103

Mercury

$1,240

$103

Mercury

$1,249

$104

Travelers

$1,267

$106

Direct General Insurance

$1,272

$106

Farmers

$1,277

$106

Direct General Insurance

$1,284

$107

Progressive

$1,286

$107

Progressive

$1,298

$108

Direct General Insurance

$1,307

$109

State Farm

$1,337

$111

State Farm

$1,348

$112

State Farm

$1,348

$112

Farmers

$1,371

$114

Farmers

$1,403

$117

Mercury

$1,425

$119

Progressive

$1,439

$120

State Farm

$1,460

$122

Progressive

$1,460

$122

Mercury

$1,466

$122

Mercury

$1,486

$124

Nationwide

$1,487

$124

Progressive

$1,496

$125

Direct General Insurance

$1,530

$128

Nationwide

$1,533

$128

Direct General Insurance

$1,543

$129

Farmers

$1,570

$131

Farmers

$1,585

$132

GEICO

$1,587

$132

Progressive

$1,612

$134

State Farm

$1,614

$135

State Farm

$1,614

$135

Allstate

$1,616

$135

Allstate

$1,619

$135

Nationwide

$1,623

$135

Allstate

$1,639

$137

Nationwide

$1,670

$139

Progressive

$1,672

$139

GEICO

$1,690

$141

Mercury

$1,701

$142

Mercury

$1,711

$143

Progressive

$1,713

$143

Nationwide

$1,723

$144

Direct General Insurance

$1,749

$146

State Farm

$1,750

$146

Direct General Insurance

$1,757

$146

Progressive

$1,841

$153

GEICO

$1,930

$161

GEICO

$1,976

$165

Nationwide

$1,990

$166

Nationwide

$2,001

$167

GEICO

$2,031

$169

GEICO

$2,104

$175

Nationwide

$2,110

$176

Allstate

$2,124

$177

Direct General Insurance

$2,129

$177

Allstate

$2,145

$179

GEICO

$2,168

$181

Allstate

$2,237

$186

Farmers

$2,238

$187

Travelers

$2,239

$187

Progressive

$2,269

$189

Progressive

$2,278

$190

Travelers

$2,292

$191

Travelers

$2,344

$195

Direct General Insurance

$2,348

$196

Travelers

$2,368

$197

Mercury

$2,372

$198

GEICO

$2,395

$200

Direct General Insurance

$2,396

$200

Nationwide

$2,404

$200

Travelers

$2,405

$200

Farmers

$2,446

$204

Direct General Insurance

$2,473

$206

Direct General Insurance

$2,477

$206

Travelers

$2,477

$206

Farmers

$2,568

$214

Mercury

$2,648

$221

Progressive

$2,665

$222

Travelers

$2,710

$226

Farmers

$2,756

$230

Progressive

$2,756

$230

Progressive

$2,771

$231

Travelers

$2,782

$232

Farmers

$2,824

$235

Mercury

$2,842

$237

Travelers

$2,854

$238

Allstate

$2,887

$241

Allstate

$2,889

$241

GEICO

$2,926

$244

Mercury

$2,997

$250

Allstate

$3,015

$251

Direct General Insurance

$3,069

$256

Farmers

$3,085

$257

Nationwide

$3,128

$261

Progressive

$3,146

$262

Farmers

$3,159

$263

Progressive

$3,170

$264

Direct General Insurance

$3,176

$265

Direct General Insurance

$3,240

$270

Progressive

$3,249

$271

Nationwide

$3,252

$271

Direct General Insurance

$3,318

$276

Mercury

$3,360

$280

Mercury

$3,388

$282

Mercury

$3,482

$290

Nationwide

$3,595

$300

Progressive

$3,597

$300

Farmers

$3,605

$300

Farmers

$3,676

$306

Allstate

$3,805

$317

Allstate

$3,823

$319

Allstate

$3,950

$329

Mercury

$4,005

$334

Mercury

$4,176

$348

Direct General Insurance

$4,202

$350

Typically, auto insurance goes up after a moving violation. How much you pay may depend on the severity of the violation. For instance, in Jacksonville, a DUI increases the full coverage rate by about $730 per year from the average cost of $1,736 paid by drivers with a clean record. Meanwhile, a speeding ticket only increases the policy cost by around $448 yearly.

MoneyGeek found the most affordable auto insurance for a bad record to help you get a good price for your situation.

mglogo icon
MONEYGEEK EXPERT TIP

Adding accident forgiveness to your auto policy will stop your premium from increasing after your first at-fault accident. If you have a clean motor vehicle record, accident forgiveness is a great coverage to have because even the safest drivers may find themselves involved in an at-fault accident and face the substantial premium increase that comes with it if they don't have this additional coverage. Some companies even award accident forgiveness at no cost after a period. Examples include GEICO and Progressive. — Mark Friedlander, Director, Corporate Communications, Insurance Information Institute

Cheapest Car Insurance in Jacksonville for Teens and Their Families

On average, the following companies provide the most affordable auto insurance in Jacksonville for a full coverage family policy that includes a teen driver:

  • Nationwide: $2,720 per year for female teens; $3,068 per year for male teens
  • State Farm: $3,580 per year for female teens
  • GEICO: $3,877 per year for male teens

Of the insurers we evaluated, Allstate has the highest average premium for female teens on a family policy, costing about $4,774 per year. Travelers is the most expensive for male teens, costing around $5,562 annually.

Female teens tend to pay a lower premium than male teens because they are seen as less risky to insure — for example, Nationwide charges male teens around $348 more a year than female teens. But rates do tend to even out in young adulthood.

Company
Family Plan Annual Premium
Individual Plan Monthly Premium

GEICO

$1,629

$3,753

GEICO

$1,744

$4,017

GEICO

$1,808

$4,580

GEICO

$1,872

$4,312

Travelers

$1,939

$3,744

Nationwide

$1,962

$3,997

Travelers

$2,037

$3,794

Nationwide

$2,051

$3,337

Nationwide

$2,063

$3,358

Nationwide

$2,066

$3,497

State Farm

$2,081

$3,021

Nationwide

$2,095

$4,683

Nationwide

$2,142

$3,721

Nationwide

$2,165

$3,523

Nationwide

$2,169

$3,670

State Farm

$2,193

$3,184

Travelers

$2,193

$4,604

Travelers

$2,198

$4,244

State Farm

$2,222

$3,126

Travelers

$2,253

$4,350

Nationwide

$2,266

$4,253

GEICO

$2,272

$3,643

State Farm

$2,279

$3,660

Nationwide

$2,316

$3,920

State Farm

$2,318

$3,365

Travelers

$2,338

$4,355

Nationwide

$2,364

$5,573

Nationwide

$2,395

$4,879

Travelers

$2,413

$5,162

State Farm

$2,440

$3,974

Travelers

$2,443

$5,002

GEICO

$2,482

$3,979

State Farm

$2,498

$3,515

Travelers

$2,506

$4,667

GEICO

$2,588

$4,656

State Farm

$2,590

$4,166

Nationwide

$2,624

$6,973

Nationwide

$2,658

$5,942

GEICO

$2,659

$5,112

GEICO

$2,668

$4,967

State Farm

$2,678

$3,769

State Farm

$2,682

$4,369

GEICO

$2,693

$4,317

State Farm

$2,711

$4,903

Nationwide

$2,720

$9,580

Nationwide

$2,720

$9,580

Nationwide

$2,720

$9,580

Travelers

$2,807

$5,751

Travelers

$2,907

$5,952

Travelers

$2,913

$6,936

State Farm

$2,923

$4,661

Nationwide

$3,068

$12,011

Nationwide

$3,068

$12,011

Nationwide

$3,068

$12,011

Allstate

$3,119

$5,007

Allstate

$3,121

$7,097

Allstate

$3,162

$7,412

State Farm

$3,174

$5,549

Progressive

$3,186

$4,051

Allstate

$3,222

$5,070

GEICO

$3,283

$6,999

Allstate

$3,292

$17,065

GEICO

$3,294

$7,203

State Farm

$3,326

$5,304

State Farm

$3,342

$6,024

Travelers

$3,360

$8,734

GEICO

$3,421

$6,369

Travelers

$3,423

$7,013

Travelers

$3,443

$8,396

GEICO

$3,477

$6,685

State Farm

$3,554

$6,213

State Farm

$3,580

$7,011

Allstate

$3,600

$5,779

Farmers

$3,643

$4,200

GEICO

$3,667

$7,659

Allstate

$3,673

$20,245

Progressive

$3,704

$4,709

Allstate

$3,707

$6,879

GEICO

$3,716

$7,407

Allstate

$3,746

$5,894

Allstate

$3,758

$6,415

Farmers

$3,816

$4,516

Allstate

$3,821

$6,133

Progressive

$3,843

$4,283

GEICO

$3,848

$7,670

GEICO

$3,850

$7,946

Farmers

$3,867

$3,882

State Farm

$3,868

$6,900

Progressive

$3,870

$6,558

GEICO

$3,877

$8,513

Progressive

$3,890

$5,903

GEICO

$3,890

$8,126

Progressive

$3,894

$6,287

Farmers

$3,901

$3,916

Farmers

$3,909

$3,778

Farmers

$3,930

$4,033

Farmers

$3,933

$3,948

Allstate

$3,988

$6,274

Progressive

$4,026

$5,119

Allstate

$4,039

$11,222

Allstate

$4,058

$9,226

Farmers

$4,087

$3,949

Travelers

$4,112

$10,789

Farmers

$4,172

$4,294

Allstate

$4,174

$11,268

Progressive

$4,185

$10,936

Progressive

$4,229

$11,675

Travelers

$4,240

$11,020

Farmers

$4,248

$4,105

Progressive

$4,282

$7,256

Progressive

$4,290

$4,781

Progressive

$4,330

$6,991

Progressive

$4,358

$7,830

Progressive

$4,361

$8,355

State Farm

$4,363

$7,784

State Farm

$4,397

$8,846

Travelers

$4,444

$14,899

Progressive

$4,517

$5,992

Allstate

$4,552

$10,670

Progressive

$4,559

$5,080

Farmers

$4,568

$11,885

Farmers

$4,587

$12,440

Progressive

$4,727

$14,026

Progressive

$4,756

$13,473

Allstate

$4,774

$30,866

Farmers

$4,825

$13,086

Progressive

$4,872

$13,452

Farmers

$4,906

$6,608

Farmers

$4,915

$12,788

Progressive

$4,927

$12,877

Allstate

$4,963

$32,172

Allstate

$5,075

$26,306

Farmers

$5,147

$6,917

Travelers

$5,282

$13,860

Farmers

$5,297

$17,577

Farmers

$5,316

$6,290

Allstate

$5,380

$29,655

Farmers

$5,435

$17,750

Travelers

$5,562

$19,135

Farmers

$5,796

$6,682

The cheapest auto insurance option for teenage drivers is getting added to a family policy. Plus, it is usually illegal for a teen under 18 to buy auto insurance without a parent or guardian to co-sign. And purchasing separate coverage for your teen driver can result in an outrageous premium.

In Jacksonville, for a 16-year-old male driver on a full coverage family policy, it is about $4,449 yearly. An individual policy costs roughly $9,389, a difference of around $4,940 per year.

Cheapest Car Insurance in Jacksonville for Military Drivers

The following companies have the average cheapest full coverage auto insurance policy in Jacksonville with a military connection:

  • GEICO: $1,092 per year
  • State Farm: $1,199 per year

If you choose minimum coverage, the cheapest provider in Jacksonville is still GEICO, costing an average of $407 annually. State Farm is the second cheapest, at around $560 per year.

While USAA doesn’t rank top for the most affordable auto insurance for military members in the city, it offers tailor-made policies for military families and may be worth considering if you qualify.

Company
Annual Premium
Monthly Premium

GEICO

$378

$32

GEICO

$407

$34

State Farm

$522

$44

GEICO

$538

$45

State Farm

$560

$47

State Farm

$643

$54

Nationwide

$653

$54

Nationwide

$687

$57

Travelers

$705

$59

Mercury

$717

$60

Travelers

$729

$61

Mercury

$759

$63

Nationwide

$792

$66

Travelers

$793

$66

Allstate

$955

$80

Farmers

$963

$80

Allstate

$971

$81

Mercury

$971

$81

Allstate

$979

$82

GEICO

$1,011

$84

Farmers

$1,017

$85

GEICO

$1,092

$91

State Farm

$1,096

$91

Progressive

$1,138

$95

Farmers

$1,143

$95

Progressive

$1,150

$96

State Farm

$1,199

$100

Direct General Insurance

$1,224

$102

Direct General Insurance

$1,272

$106

Progressive

$1,286

$107

Nationwide

$1,359

$113

State Farm

$1,433

$119

Nationwide

$1,459

$122

Travelers

$1,529

$127

Direct General Insurance

$1,530

$128

GEICO

$1,534

$128

Mercury

$1,587

$132

Travelers

$1,605

$134

Mercury

$1,701

$142

Nationwide

$1,726

$144

Travelers

$1,834

$153

Progressive

$1,945

$162

Progressive

$1,991

$166

Farmers

$2,038

$170

Allstate

$2,124

$177

Allstate

$2,145

$179

Farmers

$2,204

$184

Allstate

$2,237

$186

Mercury

$2,309

$192

Progressive

$2,342

$195

Direct General Insurance

$2,348

$196

Direct General Insurance

$2,396

$200

Farmers

$2,551

$213

Direct General Insurance

$3,069

$256

How to Compare Cheap Jacksonville Car Insurance Quotes Online

Most insurers in Jacksonville offer car insurance quotes on their website after you provide an array of personal information. The process could last up to 15 minutes per insurer, resulting in several hours to compare a handful of companies.

MoneyGeek has an auto insurance calculator that can help you save time by comparing quotes from multiple providers. The tool offers you a personalized cost estimate based on factors like your car type, coverage level, driving history and age.

Auto Insurance Calculator

See how the Average Annual Auto Insurance Rates vary with the options chosen.

Florida
Female
30-65
Clean

Average Annual Auto Insurance Rates

Click the section of the wheel in your price range to see options.

low end

on average

high end

Click an insurer below to visit their review page or continue to your personalized quote.

USAA

Cheapest Car Insurance in Jacksonville for Young Adults

The following providers have, on average, the most affordable auto insurance for young adults seeking full coverage in Jacksonville:

  • State Farm: $1,433 per year
  • GEICO: $1,534 per year

The company that charges the highest premium for young adults in Jacksonville is Direct General. Its full coverage policy costs an average of $3,069 per year.

Auto insurance for young adults is quite a bit higher than for middle-aged drivers. In Jacksonville, a 25-year-old driver pays approximately $2,115 per year, around $379 more than a 40-year-old purchasing the same full coverage policy.

Company
Annual Premium
Monthly Premium

GEICO

$378

$32

GEICO

$407

$34

State Farm

$522

$44

GEICO

$538

$45

State Farm

$560

$47

State Farm

$643

$54

Nationwide

$653

$54

Nationwide

$687

$57

Travelers

$705

$59

Mercury

$717

$60

Travelers

$729

$61

Mercury

$759

$63

Nationwide

$792

$66

Travelers

$793

$66

Allstate

$955

$80

Farmers

$963

$80

Allstate

$971

$81

Mercury

$971

$81

Allstate

$979

$82

GEICO

$1,011

$84

Farmers

$1,017

$85

GEICO

$1,092

$91

State Farm

$1,096

$91

Progressive

$1,138

$95

Farmers

$1,143

$95

Progressive

$1,150

$96

State Farm

$1,199

$100

Direct General Insurance

$1,224

$102

Direct General Insurance

$1,272

$106

Progressive

$1,286

$107

Nationwide

$1,359

$113

State Farm

$1,433

$119

Nationwide

$1,459

$122

Travelers

$1,529

$127

Direct General Insurance

$1,530

$128

GEICO

$1,534

$128

Mercury

$1,587

$132

Travelers

$1,605

$134

Mercury

$1,701

$142

Nationwide

$1,726

$144

Travelers

$1,834

$153

Progressive

$1,945

$162

Progressive

$1,991

$166

Farmers

$2,038

$170

Allstate

$2,124

$177

Allstate

$2,145

$179

Farmers

$2,204

$184

Allstate

$2,237

$186

Mercury

$2,309

$192

Progressive

$2,342

$195

Direct General Insurance

$2,348

$196

Direct General Insurance

$2,396

$200

Farmers

$2,551

$213

Direct General Insurance

$3,069

$256

Cheapest Car Insurance in Jacksonville for Seniors

If you are a senior driver looking for the cheapest auto insurance in Jacksonville, you can find the average lowest rate for a full coverage policy from the following companies:

  • GEICO: $1,011 per year
  • State Farm: $1,096 per year

Direct General is the highest-priced insurer for seniors in Jacksonville, charging an average rate of $2,348 yearly for a full coverage policy.

MoneyGeek discovered that rates for senior drivers in Jacksonville are lower than middle-aged drivers, although they may increase in their 70s and 80s. A 65-year-old pays approximately $1,689 yearly, whereas a 40-year-old pays around $1,736, $47 more.

Company
Annual Premium
Monthly Premium

GEICO

$378

$32

GEICO

$407

$34

State Farm

$522

$44

GEICO

$538

$45

State Farm

$560

$47

State Farm

$643

$54

Nationwide

$653

$54

Nationwide

$687

$57

Travelers

$705

$59

Mercury

$717

$60

Travelers

$729

$61

Mercury

$759

$63

Nationwide

$792

$66

Travelers

$793

$66

Allstate

$955

$80

Farmers

$963

$80

Allstate

$971

$81

Mercury

$971

$81

Allstate

$979

$82

GEICO

$1,011

$84

Farmers

$1,017

$85

GEICO

$1,092

$91

State Farm

$1,096

$91

Progressive

$1,138

$95

Farmers

$1,143

$95

Progressive

$1,150

$96

State Farm

$1,199

$100

Direct General Insurance

$1,224

$102

Direct General Insurance

$1,272

$106

Progressive

$1,286

$107

Nationwide

$1,359

$113

State Farm

$1,433

$119

Nationwide

$1,459

$122

Travelers

$1,529

$127

Direct General Insurance

$1,530

$128

GEICO

$1,534

$128

Mercury

$1,587

$132

Travelers

$1,605

$134

Mercury

$1,701

$142

Nationwide

$1,726

$144

Travelers

$1,834

$153

Progressive

$1,945

$162

Progressive

$1,991

$166

Farmers

$2,038

$170

Allstate

$2,124

$177

Allstate

$2,145

$179

Farmers

$2,204

$184

Allstate

$2,237

$186

Mercury

$2,309

$192

Progressive

$2,342

$195

Direct General Insurance

$2,348

$196

Direct General Insurance

$2,396

$200

Farmers

$2,551

$213

Direct General Insurance

$3,069

$256

Cheapest Car Insurance in Jacksonville for Poor Credit

On average, the providers with the most affordable car insurance for full coverage with a bad credit history in Jacksonville are:

  • Nationwide: $1,986 per year
  • GEICO: $2,183 per year

Allstate is the most expensive insurer in Jacksonville with poor credit, with an average yearly premium of $3,877 for full coverage.

In Jacksonville, auto insurance increases by around 57% if you have a bad credit score vs. a good score. The average annual cost with good credit is $1,736, while bad credit leads to an average cost of $2,719.

You can still find cheap auto insurance with bad credit if you compare rates from several companies.

Company
Annual Premium
Monthly Premium

GEICO

760

63

GEICO

823

69

Nationwide

869

72

Nationwide

919

77

Nationwide

1,064

89

GEICO

1,117

93

Farmers

1,151

96

Mercury

1,203

100

Farmers

1,204

100

Direct General Insurance

1,224

102

Direct General Insurance

1,272

106

Mercury

1,284

107

Farmers

1,361

113

State Farm

1,381

115

Travelers

1,438

120

State Farm

1,492

124

Direct General Insurance

1,530

128

Travelers

1,569

131

Mercury

1,623

135

Travelers

1,660

138

Progressive

1,662

139

Progressive

1,694

141

State Farm

1,702

142

Allstate

1,778

148

Nationwide

1,840

153

Allstate

1,844

154

Allstate

1,849

154

Progressive

1,919

160

Nationwide

1,986

166

GEICO

2,025

169

GEICO

2,183

182

Direct General Insurance

2,348

196

Nationwide

2,362

197

Direct General Insurance

2,396

200

Farmers

2,406

201

State Farm

2,498

208

Mercury

2,526

211

Farmers

2,587

216

State Farm

2,722

227

Mercury

2,723

227

Progressive

2,866

239

Progressive

2,964

247

Farmers

3,007

251

Travelers

3,011

251

Direct General Insurance

3,069

256

GEICO

3,157

263

Travelers

3,216

268

State Farm

3,238

270

Progressive

3,510

292

Travelers

3,612

301

Mercury

3,667

306

Allstate

3,794

316

Allstate

3,877

323

Allstate

4,010

334

Insurers may link a low credit-based insurance score with an increased probability of filing claims. Therefore, they could charge drivers with poor credit a higher premium.

Despite having a bad credit history, you can still take advantage of several opportunities to lower your premium. These include discounts like bundling auto insurance with other policy types. You can also find the best rates by comparing quotes across multiple insurers and ensuring you improve your credit score with time.

Cheapest Car Insurance in Jacksonville for Sports Cars

You can find the average cheapest full coverage car insurance for sports car drivers in Jacksonville from the following companies:

  • GEICO: $1,144 per year
  • State Farm: $1,354 per year

The least affordable insurer is Progressive, charging about $2,226 yearly for full coverage with a sports car in Jacksonville.

The type of vehicle you insure will partially determine how much you pay. Customarily, sports car drivers pay a higher premium than those who drive standard vehicles. However, the contrary is true for Jacksonville residents: a Ford Mustang costs around $40 less a year than a Toyota Camry.

Company
Annual Premium
Monthly Premium

GEICO

$311

$26

GEICO

$334

$28

GEICO

$437

$36

State Farm

$523

$44

State Farm

$559

$47

Travelers

$563

$47

Travelers

$571

$48

Travelers

$625

$52

State Farm

$649

$54

Nationwide

$684

$57

Nationwide

$721

$60

Allstate

$793

$66

Allstate

$800

$67

Allstate

$810

$68

Nationwide

$834

$70

Farmers

$878

$73

Farmers

$941

$78

Progressive

$1,040

$87

GEICO

$1,042

$87

Farmers

$1,061

$88

Progressive

$1,095

$91

GEICO

$1,144

$95

Progressive

$1,233

$103

State Farm

$1,233

$103

State Farm

$1,354

$113

Travelers

$1,357

$113

Travelers

$1,423

$119

Nationwide

$1,519

$127

GEICO

$1,582

$132

Nationwide

$1,635

$136

State Farm

$1,638

$137

Travelers

$1,644

$137

Nationwide

$1,943

$162

Allstate

$1,952

$163

Allstate

$1,983

$165

Progressive

$1,997

$166

Allstate

$2,102

$175

Farmers

$2,110

$176

Progressive

$2,226

$186

Farmers

$2,272

$189

Progressive

$2,671

$223

Farmers

$2,680

$223

Car insurance for luxury, sports and electric vehicles tend to be the highest because of the cost involved in repairing or replacing these cars. To estimate the average cost for a sports car, MoneyGeek collected sample quotes using a Ford Mustang. Our research shows insuring that sports car in Jacksonville is cheaper than a standard Toyota Camry. Be aware: sports car rates may differ by make and model.

Average Cost of Car Insurance in Jacksonville

In Jacksonville, the average auto insurance cost is $1,736 per year. This cost represents a full coverage policy with $100,000 bodily injury liability per person, $300,000 bodily injury liability per accident and $100,000 property damage liability per accident.

On average, full coverage auto insurance in Jacksonville costs less than Florida's average car insurance cost by around $199. It, however, exceeds the national average by roughly $471.

Where you live is one of the factors that influences your actual rate. For example, in Miami, full coverage is around $2,368 annually. But in Tallahassee, it is roughly $1,427 yearly.

City
Full Coverage Average Annual Premium
Minimum Coverage Average Annual Premium

Gainesville

$1,367

$661

Tallahassee

$1,427

$670

Cape Coral

$1,496

$744

Palm Bay

$1,551

$769

Lehigh Acres

$1,596

$802

Lakeland

$1,636

$800

Port St. Lucie

$1,647

$832

Jacksonville

$1,736

$833

Spring Hill

$1,751

$857

Orlando

$1,767

$889

Clearwater

$1,848

$897

St. Petersburg

$1,952

$942

Pembroke Pines

$2,035

$977

Davie

$2,071

$996

Miramar

$2,083

$1,015

Fort Lauderdale

$2,104

$1,003

Coral Springs

$2,141

$1,056

Brandon

$2,154

$1,053

Pompano Beach

$2,182

$1,060

Hollywood

$2,211

$1,058

Tampa

$2,318

$1,150

Miami Gardens

$2,323

$1,143

West Palm Beach

$2,327

$1,155

Miami

$2,368

$1,188

Hialeah

$2,579

$1,378

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.