Best Car Insurance in Jacksonville, Florida

Cheap Auto Insurance in Jacksonville, FL

Geico, State Farm, and Allstate are among the best cheap car insurance companies in Jacksonville, Florida.

Car insurance in Jacksonville is a little more affordable than in many other parts of Florida. The average cost of a full coverage car insurance policy in Jacksonville is about $3,539 per year, which comes in slightly lower than the statewide average of $3,874.

If you are looking to get affordable car insurance, then you should shop around and get quotes from multiple companies. We can help you find out cheap auto insurance in Jacksonville so you can compare coverage and find the right policy for you.

Key Takeaways

State Farm Offers Best Rates

State farm offers the cheapest car insurance in Jacksonville, with average full coverage rates around $2,722 per year.

Allstate Higher Costs

Allstate has some of the highest average cost for full coverage at $4,184 per year

Florida Requirements

Florida's minimum liability requirements include $10,000 in Personal Injury Protection (PIP) and $10,000 in Property Damage Liability (PDL) coverage.

Cheapest Car Insurance Companies in Jacksonville, FL

For state minimum coverage, Geico, State Farm, and Allstate are cheap car insurance companies in Jacksonville.
For full coverage car insurance, drivers may find the best deals with State Farm, Geico, and Progressive.

Remember: These figures reflect averages for a driver with a clean record. Your actual premium may be higher or lower depending on factors such as your age, driving history, credit score, vehicle type, and coverage choices. That's why comparing multiple quotes is the most reliable way to secure the best rate.

Average Car Insurance Rates in Jacksonville by Company

Insurance Company Average Annual Premium (Min. Coverage) Average Annual Premium (Full Coverage)
State Farm $787 $2,722
Geico $747 $3,590
Progressive $1,202 $4,026
Allstate $1,148 $4,184

Progressive and Allstate tend to be pricier, but may offer unique benefits such as accident forgiveness or usage-based programs that could offset the cost for certain drivers.

Car Insurance Costs Jacksonville Florida

How Much Is Car Insurance in Jacksonville, Florida?

The average cost of car insurance in Jacksonville is $3,539 per year ($295 per month) for full coverage. If you only purchase Florida's state minimum coverage, your average cost drops to about $923 per year ($77 per month).

$3,539

Full Coverage/Year

$923

Min. Coverage/Year

Compared to other benchmarks:

  • Jacksonville drivers pay 32% more than the national average for full coverage car insurance.
  • Rates in Jacksonville are about 9% lower than the Florida state average, making coverage slightly more affordable here than in cities like Miami or Tampa.

While your actual premium can look very different depending on personal risk factors, such as age, driving history, credit score, vehicle type, coverage type.

Car Insurance Costs for Teen Drivers in Jacksonville

Teen drivers in Jacksonville face some of the highest car insurance rates, primarily due to their lack of driving experience and statistically higher likelihood of accidents.

16-Year-Old Driver

$6,854/year

16-year-old added to their parents’ policy for full coverage

18-Year-Old Driver

$9,497/year

Standalone policy for full coverage

Pro Tip: Staying on a family policy can dramatically reduce costs. A full coverage policy for an 18-year-old bundled with two married parents averages $5,964 annually, which is about 37% less than a standalone teen policy.

Average Annual Premiums for Teens in Jacksonville

Insurance Company 16-year-old 18-year-old
Geico $1,611 $1,306
State Farm $1,714 $1,382
Allstate $1,844 $1,665
Progressive $1,985 $1,589

Full Coverage Rates

State Farm $5,399 $4,559
Allstate $6,163 $5,658
Progressive $6,349 $4,924
Geico $7,010 $5,733
Why Are Teen Rates So High?
  • Lack of driving experience
  • Higher accident risk
  • Limited driving history
  • Often drive with friends

Jacksonville Rates for Young Drivers

As drivers move through their twenties, car insurance rates usually start to decrease. The biggest drop often comes right after age 25, when insurers see drivers as less risky.

20-Year-Old Driver

$6,834/year

Full coverage policy

25-Year-Old Driver

$4,270/year

Full coverage policy

Big Difference: That's a $2,564 annual savings and shows why keeping a clean driving record during those early years matters so much. Safe driving not only lowers your risk on the road but also helps you lock in lower premiums as you age.

Minimum Coverage Rates

Insurance Company 20-year-old 25-year-old
Geico $1,409 $925
State Farm $1,609 $920
Progressive $2,027 $1,405
Allstate $2,471 $1,300

Full Coverage Rates

Insurance Company 20-year-old 25-year-old
State Farm $5,354 $3,157
Progressive $6,615 $4,614
Geico $6,619 $4,332
Allstate $9,095 $4,902

Jacksonville Rates for Adults

Once drivers reach their 30s, insurance rates generally become much more affordable compared to younger age groups. This is because insurers see drivers in their 30s, 40s, and 50s as more experienced and less likely to take risky driving behaviors.

30-Year-Old Driver

$3,724/year

Full coverage policy

40-Year-Old Driver

$3,366/year

Full coverage policy

50-Year-Old Driver

$3,366/year

Full coverage policy

Steady Drop: This steady decrease shows how age and experience can work in your favor when it comes to lowering auto insurance costs.

Minimum Coverage Rates

Insurance Company 30-year-old 40-year-old 50-year-old
State Farm $802 $787 $759
Geico $817 $747 $715
Allstate $1,150 $1,148 $1,099
Progressive $1,273 $1,202 $1,104

Full Coverage Rates

Insurance Company 30-year-old 40-year-old 50-year-old
State Farm $2,781 $2,722 $2,642
Geico $3,830 $3,590 $3,507
Allstate $4,187 $4,184 $4,027
Progressive $4,379 $4,026 $3,605

Jacksonville Rates for Senior Drivers

For many drivers, their senior years can bring some of the lowest car insurance rates of their lifetime. With decades of driving experience and typically fewer miles driven, insurers often view this age group as lower risk.

60-Year-Old Driver

$3,231/year

Full coverage policy

70-Year-Old Driver

$3,401/year

Full coverage policy

Important Note: Premiums may start to creep back up once drivers reach their mid-70s. This is often due to health-related factors, like slower reaction times, which insurers take into account.

Since Jacksonville is frequently ranked as one of the best retirement destinations in the U.S., understanding how auto insurance rates shift with age can help you plan ahead, avoid surprises, and make the most of your retirement budget.

Minimum Coverage Rates

Insurance Company 60-year-old 70-year-old
Geico $680 $694
State Farm $731 $748
Allstate $1,040 $1,089
Progressive $1,073 $1,154

Full Coverage Rates

Insurance Company 60-year-old 70-year-old
State Farm $2,591 $2,591
Geico $3,190 $3,190
Progressive $3,674 $3,674
Allstate $4,006 $4,006

The Cheapest Car Insurance in Jacksonville by Driving Record

Your driving history plays one of the biggest roles in determining car insurance premium in Jacksonville. Even a single traffic violation can increase your rate, while multiple infractions may categorize you as a high-risk driver, often leading to much higher rates.

High-Risk Drivers: If you're struggling to find affordable coverage based on your record, you may need to turn to non-standard auto insurance providers that specialize in covering higher-risk drivers.

Speeding Ticket Impact

A speeding ticket in Jacksonville typically results in a rate increase once your policy renews. On average, drivers with one speeding ticket pay around $3,825 per year for full coverage, compared to $3,539 for those with a clean record — about an 8% increase.

Insurance Company Min. Coverage Full Coverage
Geico $747 $3,590
State Farm $987 $3,119
Allstate $1,148 $4,184
Progressive $1,580 $5,272

Accident Impact

A single at-fault accident can be even more costly. Jacksonville drivers with one accident see their full coverage premiums increase by an average of 34%, paying about $4,744 annually. This is because insurers view accident involvement as a stronger indicator of future claims risk.

Insurance Company Min. Coverage Full Coverage
Geico $997 $4,611
State Farm $1,188 $3,574
Allstate $1,741 $5,896
Progressive $1,843 $5,953

DUI Impact

A DUI conviction in Florida carries legal penalties, fines, imprisonment for up to six months, license suspension, and vehicle impoundment. It also impacts insurance consequences. Drivers in Jacksonville pay an average of $5,407 per year for full coverage and $1,598 for minimum coverage after a DUI. That's 53% higher for full coverage and 73% higher for minimum coverage compared to drivers with clean records.

Insurance Company Min. Coverage Full Coverage
Geico $1,192 $5,382
Progressive $1,377 $4,487
Allstate $1,412 $5,297

Buying Car Insurance in Jacksonville, FL

If you plan to own and register a vehicle in Jacksonville, Florida, state law requires you to maintain active car insurance at all times. However, Florida has some of the lowest coverage requirements in the country, which means relying on just the minimums can leave you financially vulnerable in the event of an accident.

Florida's Minimum Requirements

Every driver in Jacksonville must carry:

  • Personal Injury Protection (PIP): $10,000 per accident
  • Property Damage Liability (PDL): $10,000 per accident
Note: To register a vehicle, you'll need to show proof of insurance from a company licensed in Florida. Even if your car is not currently being driven or is inoperable, you must maintain continuous coverage.

Penalties for Driving Uninsured

Failing to maintain the state's minimum coverage can result in:

  • Suspension of your driver's license for up to three years
  • Suspension of your license plate for up to three years
  • $500 reinstatement fee to restore driving privileges

Florida's No-Fault Insurance System

Florida operates under a no-fault insurance system, which means:

  • Each driver's insurance pays for their own medical expenses after an accident, regardless of who caused it.
  • You generally cannot rely on the other driver's insurance to cover your damages.
  • Claims for medical bills and lost wages must be filed under your own PIP coverage.
  • Consider purchasing higher liability limits and optional protections.
Recommendation: Because of this system, Jacksonville drivers should carefully consider purchasing higher limits of liability coverage, as well as optional protections like collision, comprehensive, and uninsured motorist coverage. These add-ons can help pay for costly repairs or medical bills that exceed Florida's minimal requirements.

Choosing the Right Coverage

When buying a policy, make sure you're comfortable with the deductibles you select and confirm that your coverage limits are high enough to protect your financial wellbeing. While minimum coverage may keep you legally compliant, it's often insufficient to fully protect drivers in serious accidents.

Investing in more robust protection could save you from significant out-of-pocket expenses later.

How to Get Cheap Car Insurance in Jacksonville, FL

Car insurance rates in Jacksonville can vary significantly based on your personal profile and coverage choices. While Florida drivers face higher-than-average premiums compared to many other states, there are proven strategies to lower your costs without sacrificing essential protection.

1. Maintain a Clean Driving Record

Your driving history is one of the biggest factors in determining your premium. Avoiding accidents, speeding tickets, and other moving violations can help keep your rates low and maintain eligibility for safe driver discounts.

2. Improve Your Credit Score

In Florida, insurers are allowed to use your credit-based insurance score when setting rates. Good credit can lead to lower premiums, while poor credit may increase your costs.

3. Compare Multiple Quotes

No single insurance company is the cheapest for every driver in Jacksonville. Shopping around and comparing rates from several carriers helps ensure you're getting the most competitive price.

4. Choose Coverage Wisely

Opting for only the state minimum coverage may seem like a quick way to cut costs, but it can leave you financially exposed after an accident.

5. Take Advantage of Discounts

Most insurers in Jacksonville offer a variety of discounts, such as safe driver, good student, low mileage, and professional affiliation discounts.

6. Bundle Policies

If you own a home, condo, or rental property, consider bundling your auto insurance with your homeowner's or renter's insurance under the same carrier.

Available Discounts

  • Safe driver discounts for maintaining a clean record
  • Good student discounts for young drivers with strong academic performance
  • Low mileage discounts for those who don't drive often
  • Professional discounts (for teachers, firefighters, and military members)
  • Affiliation discounts for certain organizations
  • Multi-policy discounts for bundling coverage
Ask your insurer which discounts you may qualify for to maximize savings.

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