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.
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.
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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.
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.
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.
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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.
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.
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.
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.
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.
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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.
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.
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.
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.
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.
About Mark Fitzpatrick