Cheapest Car Insurance Quotes in Jacksonville, Florida
Geico has the cheapest car insurance in Jacksonville, at $144 per month, on average, for full coverage and $33 per month for liability-only.
Find cheap auto insurance quotes in Jacksonville
Best cheap car insurance companies in Jacksonville
How we chose the top companies
Cheapest car insurance in Jacksonville: Geico
Geico has the cheapest full-coverage policy in Jacksonville, at $144 per month.
That is 46% less than the average citywide rate of $267 per month.
The second-cheapest insurance company, State Farm offers a full-coverage policy at $160 per month. State Farm also offers excellent customer service, lots of coverage options, plus a great bundle discount for combining your home and auto policies.
Find Cheap Auto Insurance Quotes in Jacksonville
Cheapest Jacksonville full-coverage quotes
Company | Monthly rate | |
|---|---|---|
| Geico | $144 |
| State Farm | $160 |
| Travelers | $175 |
| UAIC | $226 |
| Progressive | $280 |
*USAA is only available to current and former military members and their families.
Cheapest liability insurance in Jacksonville: Geico
Geico has the cheapest minimum liability rates for Jacksonville drivers, at $33 per month, on average. **That is 66% less than the citywide average of $97 a month. **
The next-cheapest option is State Farm, at $49 per month, on average. That's 48% more expensive than Geico’s minimum insurance policy.
Find Cheap Auto Insurance Quotes in Jacksonville
Cheapest minimum-coverage car insurance in Jacksonville
Company | Monthly rate |
|---|---|
| Geico | $33 |
| State Farm | $49 |
| Travelers | $55 |
| Farmers | $103 |
| Progressive | $121 |
*USAA is only available to current and former military members and their families.
Best car insurance for young Jacksonville drivers: Geico
Geico is the cheapest car insurance for teen drivers in Jacksonville.
Minimum liability coverage at Geico is $79 per month, on average. That is 37% less than the next-cheapest option, Travelers, which charges an average of $124 per month.
Geico also offers the cheapest full coverage rates, at an average of $378 per month. Travelers, the next cheapest option, is $456 per month, on average, making it 21% more for a full coverage policy.
Young and new drivers are statistically more likely to be involved in an accident than older drivers. Insurance companies see young drivers as high risk and as a result, charge them higher insurance rates.
Best Jacksonville car insurance for teen drivers
Company | Liability only | Full coverage |
|---|---|---|
| Geico | $79 | $378 |
| Travelers | $124 | $456 |
| State Farm | $132 | $474 |
| UAIC | $292 | $524 |
| Farmers | $344 | $1,325 |
*USAA is only available to current and former military members and their families.
Young drivers often have to navigate the pricey landscape of insurance in Florida, often with a limited budget. But there are ways you can make your insurance more affordable.
Ways to save money on auto insurance:
- Combine policies with your family members. The cheapest way for a teen driver to get insurance is by joining a parent or other family member's existing policy. If you combine policies with a relative who is older and has a less risky profile, you will be paying less than if you had a separate policy.
- Ask about discounts. Most companies have a list of discounts on their website. You can get discounts for getting good grades in school, attending a defensive driving class and having safety devices installed in your car.
- Contact smaller insurance companies. Big companies don’t always offer the best prices. Research and contact small companies around Jacksonville to see if they have better deals or prices.
Cheapest car insurance in Jacksonville after a speeding ticket: State Farm
State Farm has the cheapest rates for Jacksonville drivers with a recent speeding ticket, at an average cost of $173 per month. That is 45% less than the citywide average of $315.
Cheapest auto insurance after a speeding ticket
Company | Monthly rate |
|---|---|
| State Farm | $173 |
| Travelers | $215 |
| UAIC | $226 |
| Geico | $242 |
| Progressive | $375 |
*USAA is only available to current and former military members and their families.
Insurance companies have found that people with recent speeding tickets on their records are more likely to file claims in the future, so you can expect your insurance bill to go up an average of 18% after a speeding ticket.
Cheapest insurance in Jacksonville for drivers after an accident: State Farm
State Farm has the best price for car insurance in Jacksonville after an at-fault car crash.
The company charges drivers $186 per month, on average, for full coverage after an accident. That is 52% less than the citywide average of $391. State Farm also has the smallest percent increase after a car crash, at around 16%. By comparison, Allstate raises rates an average of 72% after a single at-fault accident.
Geico's prices were the next cheapest at just $197 per month.
Cheapest car insurance after an accident
Company | Monthly rate |
|---|---|
| State Farm | $186 |
| Geico | $197 |
| Travelers | $238 |
| UAIC | $296 |
| Progressive | $418 |
*USAA is only available to current and former military members and their families.
Depending on your insurance company, you may see a major jump in insurance costs after an accident. That's because drivers who have been at fault in one crash are more likely to make another claim in the future.
Accidents are unpredictable; you never know when you might be involved in one. We recommend comparing car insurance from multiple companies and looking for extra discounts.
Cheapest insurance in Jacksonville for teens with a speeding ticket or accident: Geico
Geico has the most affordable car insurance for teens in Jacksonville who have a speeding ticket or an accident on their record.
A minimum liability policy from Geico costs $93 per month, on average, for a teen driver after a ticket. That's 65% cheaper than the city average of $268 per month. It's also 36% cheaper than the next-best option, State Farm at $145 per month.
And after a crash, minimum coverage from Geico costs just $81 per month. That is 49 % cheaper than the citywide average in Jacksonville.
Best cheap minimum coverage for teens with a speeding ticket or accident
Company | Ticket | Accident |
|---|---|---|
| Geico | $93 | $81 |
| State Farm | $145 | $160 |
| Travelers | $151 | $173 |
| UAIC | $292 | $364 |
| Allstate | $350 | $678 |
*USAA is only available to current and former military members and their families.
On average, an 18-year-old will pay 9% more after a speeding ticket, or 36% more after an at-fault accident. If you did get a hit on your driving record recently, you may not need to rush out to find new insurance right away. Your insurance company won't factor in the incident until you renew your policy.
Cheapest car insurance after a DUI: Travelers
Travelers is the best option for DUI insurance in Jacksonville, where coverage costs about $277 per month, on average. Geico is also relatively cheap, at $303 per month.
In Jacksonville, a DUI will raise your rates by an average of 57% per month.
A DUI is one of the most serious offenses you can have on your record, and the cost of your insurance reflects that.
Cheapest car insurance after a DUI
Company | Monthly rate |
|---|---|
| Travelers | $277 |
| Geico | $303 |
| Progressive | $343 |
| UAIC | $401 |
| Farmers | $451 |
*USAA is only available to current and former military members and their families.
A driver with a DUI in Florida is also likely to need an FR-44. These forms certify to the state that you are carrying car insurance and come with an extra fee — on top of the higher rates you're paying for coverage.
Cheapest car insurance for drivers with poor credit: UAIC
Drivers with bad credit in Jacksonville should consider United Automobile Insurance (UAIC), where an average quote is $226 per month for full coverage. That's 55% less than the citywide average price of $501 per month.
UAIC is an insurance company that specializes in high-risk drivers, so its coverage and service options aren't the best. It's a good idea to check with a few other companies to see if you can find a competitive rate.
Cheapest car insurance for drivers with poor credit
Company | Monthly rate |
|---|---|
| UAIC | $226 |
| Geico | $268 |
| Travelers | $351 |
| Progressive | $431 |
| Farmers | $534 |
*USAA is only available to current and former military members and their families.
In Florida, car insurance companies can factor in your credit score when setting auto insurance rates. That's because insurance companies believe that drivers with lower credit scores are more likely to file an insurance claim in the future. So, having worse credit typically means you'll pay more for car insurance.
Average cost of insurance by Jacksonville area
Residents of ZIP code 32227, near Mayport Naval Station, pay the lowest insurance rates in Jacksonville.
Each neighborhood in Jacksonville differs in terms of crime rate, accident rate and population density. Certain neighborhoods may have higher average rates because they experience more crime, vandalism or traffic, among other reasons.
However, rates within Jacksonville are fairly consistent, with a difference of only 17% between the least and most expensive areas.
Residents of ZIP code 32258, which includes the neighborhoods of Del Rio and Greenland, also pay around $239 per month for full coverage.
The most expensive area in Jacksonville for car insurance is ZIP code 32208, which includes the Riverview and Lake Forest neighborhoods. Drivers there can pay an average of $280 per month for full coverage.
ZIP | Monthly Rate | % from average |
|---|---|---|
| 32099 | $256 | -2% |
| 32202 | $275 | 6% |
| 32204 | $272 | 4% |
| 32205 | $274 | 5% |
| 32206 | $276 | 6% |
Minimum coverage requirements in Jacksonville, Florida
Florida law requires all drivers in the state to have to at least the following car insurance coverage levels:
Coverage type | Minimum limit |
|---|---|
| Personal injury protection (PIP) | $10,000 per accident |
| Property damage liability (PDL) | $10,000 per accident |
Although the minimum-coverage policy is the cheapest option, it may not meet your individual needs. If you get into an expensive accident, the damage to your car will not be covered under a minimum policy, and you will have to pay for any repairs out-of-pocket.
Unlike almost every other state, Florida doesn't require its drivers to carry bodily injury liability insurance.
No-fault state
Florida is one of 12 no-fault states in the U.S. No-fault insurance requires insurance companies to provide coverage for medical costs regardless of who is at fault in an accident.
Drivers found to be at fault in an accident can still be sued if the accident resulted in serious injuries or death. You should strongly consider having bodily injury liability (BIL) coverage to help pay for the costs of people injured in an accident as well as any legal defense fees if you are sued.
- Bodily injury liability: $100,000 per person/$300,000 per accident
- Property damage liability: $50,000 per accident
What's the best car insurance coverage in Jacksonville, FL?
Full coverage insurance is the best insurance coverage for most drivers.
A full coverage insurance policy pays for damage to your car in a crash, as well as damage from things like hurricanes, tropical storms and theft.
Like a liability-only policy, it also pays for other people's medical bills and car repair if you cause a car crash.
Although the cheapest coverage option is a minimum policy, this may not necessarily be the best for your needs. For example, drivers insured with a liability-only policy are not financially protected from damage caused by storms or hurricanes.
Jacksonville residents who own new vehicles or cars worth more than $5,000 should invest in higher coverage limits and extra protection options to be sure you're sufficiently protected after a crash. You're also usually required to buy full coverage if you have a lease or loan on your car.
Full coverage includes:
- Comprehensive coverage: Financially protects you from damage to your car caused by factors outside of your control. This includes thefts, natural disasters and broken windshields.
- Collision coverage: Financially protects you from damage to your car caused by driving into something else. This includes crashing into another car, driving into a ditch and running into a pole.
Methodology
To find the best cheap car insurance in Jacksonville, ValuePenguin collected quotes from seven top insurance companies in Florida. Rates are for a 30-year-old single man with good credit and no accident history who drives a 2015 Honda Civic EX.
Full-coverage policies include comprehensive and collision coverage, plus higher liability limits than the state requirement.
Coverage | Limit |
|---|---|
| Bodily injury liability | $50,000 per person/$100,000 per accident |
| Property damage liability | $25,000 per accident |
| Personal injury protection | $10,000 |
| Uninsured/underinsured motorist bodily injury | $50,000 per person/$100,000 per accident |
| Comprehensive and collision | $500 deductible |
In addition to FL required coverages, liability-only quotes also include the same liability limits as the table above.
ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes may be different.
Editorial Note: The content of this article is based on the author's opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.