Best cheap car insurance in Jacksonville for 2025
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Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
The best car insurance companies in Jacksonville
Florida drivers looking for the best Jacksonville car insurance companies may want to review Bankrate's data. We used pricing statistics from Quadrant Information Services to determine the companies writing the lowest average rates in the city. To find the best insurance company for your needs, we also assigned each carrier a Bankrate Score, from one to five, based on a range of characteristics that included price, coverage options, available discounts and third-party rankings for financial strength and customer service. Our research should help you pick the best Florida car insurance carrier for your unique situation.
Bankrate Score
Avg. min coverage premium
Min. coverage
Avg. full coverage premium
Full coverage
Why Progressive made our list: With the second-largest market share in the U.S. auto insurance market and a high Bankrate Score, Progressive is known for its budget-conscious offerings. For example, its Name Your Price tool lets you find a policy tailored to your desired budget. The company does not fare well in J.D. Power’s 2024 U.S. Auto Insurance Study, however, ranking below average in the Florida region.
Why Progressive may be best for digital policies: Progressive took the top spot for customer service in the 2024 J.D. Power U.S. Insurance Digital Experience Study, indicating that its focus on digital tools for policy management may be paying off for customers. Progressive’s mobile app, which allows policyholders to manage policy details, pay bills, access ID cards, report claims and summon roadside assistance, earns top marks from users, with an average of 4.7 stars across app stores.
| Bankrate Score | 4.4 |
| J.D. Power | 587/1,000 |
| AM Best Rating | A+ |
Bankrate Score
Avg. min coverage premium
Min. coverage
Avg. full coverage premium
Full coverage
Why Geico made our list: In our research, Geico showed average rates significantly below the Jacksonville average for both full and minimum coverage, making it a good potential choice for drivers seeking any level of coverage at a low price. Geico also performs above the regional average in the 2024 J.D. Power U.S. Auto Insurance Study. The company does not offer much in the way of customization or endorsements, though, so if you’re looking for a policy with unique features and coverage options, another carrier may be a better choice.
Why Geico may be best for discounts: On top of its low rates, Geico offers a long list of discounts with the potential to lower the cost of car insurance even more. Vehicle equipment like air bags and anti-theft systems could earn you a discount; so could taking a driving course, insuring multiple vehicles or getting good grades as a student. Geico is also one of a handful of auto insurance providers to offer dedicated discounts for military members and veterans.
| Bankrate Score | 4.3 |
| J.D. Power | 629/1,000 |
| AM Best Rating | A++ |
Bankrate Score
Avg. min coverage premium
Min. coverage
Avg. full coverage premium
Full coverage
Why State Farm made our list: State Farm, the largest U.S. auto insurer by market share, offers some of the most affordable rates for full and minimum coverage in Jacksonville. In addition to some of the cheapest average rates, State Farm also received the second-highest ranking for customer satisfaction in the Florida region from J.D. Power. State Farm does not offer gap insurance or accident forgiveness, however, so if either of those features are important to you, you may want to look for a different insurer.
Why State Farm may be best for local agents: Unlike carriers that prioritize digital sales over a traditional agent-customer relationship, State Farm balances the past and present with a strong agent network and top-rated digital tools. State Farm’s wide network of local agents in the Jacksonville area may make it an ideal choice for shoppers who prefer to do business with an agent rather than self-servicing their policy via an app.
| Bankrate Score | 4.3 |
| J.D. Power | 650/1,000 |
| AM Best Rating | A++ |
Bankrate Score
Avg. min coverage premium
Min. coverage
Avg. full coverage premium
Full coverage
Why Allstate made our list: Allstate offers competitive average rates in Jacksonville and also ranks well above average in the J.D. Power Auto Insurance Study. While Allstate does not have the least expensive average rates among the companies included on our list, it does offer both a driver training program tailored to teens to reduce accident risk, as well as Drivewise, a telematics program that could help safe drivers save.
Why Allstate may be best for bundled policies: Jacksonville drivers who own their home may want to bundle their auto insurance policy with their home insurance for greater savings. Allstate also earned a 2025 Bankrate Award for Best Insurance Company for First-Time Homeowners, making it an even more compelling option for drivers with multi-policy coverage needs.
| Bankrate Score | 3.9 |
| J.D. Power | 643/1,000 |
| AM Best Rating | A+ |
Bankrate's trusted insurance industry expertise
Read our full methodologyThe insurance market can be complicated, but Bankrate's insurance editorial team used our unique perspective to bring readers the information they need to make educated decisions when shopping for a policy.
78
years of industry experience
9
licensed staff
34.5K
ZIP codes examined
120
carriers reviewed
The cheapest car insurance companies in Jacksonville
According to our research, Geico, State Farm and Allstate are the cheapest car insurance companies in Jacksonville for state minimum coverage. If you’re looking for a cheap policy with full coverage, you may want to get quotes from State Farm, Geico and Allstate. Keep in mind that while these carriers may be the cheapest Florida insurers for an average adult driver with a clean record, your own rates might be different based on the unique risk factors in your driver profile.
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|---|---|---|
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$852
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$2,980
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$752
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$3,659
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$1,110
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$4,176
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|
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$1,409
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$4,858
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How much is car insurance in Jacksonville, Florida?
The average cost of car insurance in Jacksonville, Florida is $3,780 per year, or $315 per month, for full coverage. For drivers seeking state minimum coverage only, the average cost is $988 per year or $82 per month.
Average Jacksonville full coverage car insurance rates are 41 percent more than the national average, and 10 percent less the Florida state average. However, rates can vary significantly based on individual rating factors such as driver age and driving record.
Jacksonville rates for teens
Teen drivers pay some of the highest rates for auto insurance in Jacksonville, since their lack of driving experience renders them a higher risk for insurance companies. The average cost of full coverage car insurance for a 16-year-old on their parents’ insurance in Jacksonville is $7,499 per year; the average cost for an 18-year-old driver on a standalone policy is $9,850 per year.
Researching teen car insurance discounts or keeping a teen on a family policy can help to reduce the cost of coverage. On average, a full coverage insurance policy in Jacksonville with an 18-year-old and two married parents costs only $6,566 — 33 percent less than a standalone policy for the same 18-year-old.
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|---|---|---|
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$1,602
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$1,303
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$1,838
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$1,632
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$1,894
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$1,528
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|
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$2,348
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$1,863
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|---|---|---|
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$5,988
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$5,055
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|
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$6,123
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$5,628
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|
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$7,121
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$5,823
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|
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$7,798
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$6,030
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Jacksonville rates for young drivers
As drivers reach their twenties, insurance rates tend to dip gradually, with a more significant decrease after age 25. On average, a 20-year-old driver on a standalone full coverage policy pays $7,336 per year in Jacksonville, while a 25-year-old driver pays an average of $4,615 per year for the same coverage. Maintaining a clean driving record during this high-risk period can help to keep rates as low as possible.
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|---|---|---|
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$1,408
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$928
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$1,770
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$1,000
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$2,479
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$1,660
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|
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$2,608
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$1,271
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|---|---|---|
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$5,948
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$3,472
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$6,735
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$4,418
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$8,353
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$5,661
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$9,239
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$4,920
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Jacksonville rates for adults
Unlike teens and young adults, drivers between the ages of 30 and 50 typically pay lower rates for auto insurance, as they’re deemed more experienced and less of a risk for insurers. On average, a 30-year-old driver in Jacksonville pays $4,024 per year for full coverage auto insurance; a 50-year-old driver pays $3,588 per year, on average.
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|---|---|---|---|
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$822
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$752
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$722
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$867
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$852
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$822
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|
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$1,112
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$1,110
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$1,060
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|
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$1,512
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$1,409
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$1,220
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|---|---|---|---|
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$3,061
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$2,980
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$2,889
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|
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$3,910
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$3,659
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$3,577
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|
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$4,192
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$4,176
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$4,016
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|
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$5,345
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$4,858
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$4,242
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Jacksonville rates for senior drivers
Entering your senior years may mean the lowest car insurance rates of a lifetime for many drivers, as driving experience and less regular driving renders this age group fairly low risk. On average, we found that Jacksonville drivers pay around $3,436 per year for full coverage at age 60 and $3,633 per year at age 70. Some senior drivers may see their rates begin to climb again as they enter their mid-seventies due to potential health issues, including slower reaction times.
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|---|---|---|
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$688
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$702
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$792
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$811
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$1,022
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$1,085
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|
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$1,162
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$1,248
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|---|---|---|
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$792
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$2,827
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|
|
$688
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$3,257
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|
|
$1,162
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$4,120
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|
|
$1,022
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$4,023
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Powered by Coverage.com (NPN: 19966249)
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Compare auto insurance rates
Powered by Coverage.com (NPN: 19966249)
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
The cheapest car insurance in Jacksonville by driving record
Your driving record is among the most significant rating factors that insurance companies will take into account when setting your Jacksonville car insurance premium. A single moving violation or at-fault accident can cause your rates to rise, and a pattern of repeated driving mishaps could earn you a “high-risk driver” label. If you’re struggling to find affordable coverage based on your record, you may need to work with a non-standard insurance provider.
Car insurance with a speeding ticket in Jacksonville
A speeding ticket conviction in Jacksonville will typically result in a premium increase when your auto insurance renews. On average, Jacksonville drivers with a single speeding ticket pay $4,371 per year for full coverage insurance, compared to $3,780 prior to their conviction. In other words, drivers with a single speeding ticket conviction typically pay 16 percent more for full coverage.
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|---|---|---|
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$1,017
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$4,722
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$1,064
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$3,412
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$1,110
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$4,176
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$1,875
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$6,462
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Car insurance after an accident in Jacksonville
Jacksonville drivers with a single at-fault accident on their driving record pay 34 percent more, on average, for full coverage than drivers with clean records. A driver who’s found at fault for an accident represents a greater risk to insurance companies, which charge an average of $5,065 per year for drivers with a single at-fault conviction.
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|---|---|---|
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$998
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$4,692
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$1,281
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$3,913
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$1,741
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$5,870
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$2,202
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$7,315
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Car insurance after a DUI in Jacksonville
Florida’s DUI penalties for a first offense include fines from $500 to $1,000, imprisonment for up to six months, license revocation for at least 180 days and vehicle impoundment. If you’re arrested for a DUI involving property damage, bodily injury or a minor in the vehicle, or if you’ve had prior DUI convictions, additional penalties apply.
You’ll also see an impact on your auto insurance after a DUI conviction in Florida, with Jacksonville drivers paying average annual rates of $5,560 for full coverage and $1,603 for state minimum coverage after a single DUI conviction. Drivers with a single DUI pay 47 percent more for full coverage and 62 percent more for minimum coverage, on average, than drivers with clean records.
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|---|---|---|
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$1,189
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$5,468
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$1,419
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$5,324
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$1,628
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$5,457
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Minimum coverage requirements in Jacksonville
Per Florida’s insurance law, all drivers in Jacksonville must carry a minimum of:
- $10,000 personal injury protection (PIP)
- $10,000 property damage liability per accident
Florida’s minimum insurance laws are unique in that drivers are not legally required to purchase bodily injury liability coverage, which is required in most states. However, drivers are still required to prove financial responsibility for accidents, and those who do choose to purchase bodily injury coverage must carry at least $10,000 per person and $20,000 per accident. Insurance companies must also offer uninsured motorist coverage, but drivers can decline it in writing.
However, the question of how much car insurance you need in Jacksonville is more complicated than simply checking the law. Most insurance experts advise carrying more than Florida’s minimum required limits, and your car’s loan or lease agreement may also require you to carry full coverage until you’ve paid off the vehicle. If you’re not sure how much insurance to buy, it may be helpful to speak with an insurance agent.
Frequently asked questions
Methodology
Bankrate utilizes Quadrant Information Services to analyze March 2025 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates are based on a single, 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $50,000 property damage liability per accident
- $100,000 uninsured motorist bodily injury per person
- $300,000 uninsured motorist bodily injury per accident
- $500 collision deductible
- $500 comprehensive deductible
To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers own a 2023 Toyota Camry, commute five days a week and drive 12,000 miles annually.
These are sample rates and should only be used for comparative purposes.
Incidents: Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), at-fault accident, single speeding ticket and single DUI conviction.
Age: Rates were calculated by evaluating our base profile with the ages 20-70 (base: 40 years) applied. Depending on age, drivers may be a renter or homeowner. Age is not a contributing rating factor in Hawaii and Massachusetts due to state regulations.
Teens: Rates were determined by adding a 16- or 18-year-old teen to their 40-year-old married parents' policy. The rates displayed reflect the total cost of a driver this age added to their parents’ policy.
Bankrate Score
Our 2025 Bankrate Score for auto insurance considers key variables that our insurance editorial team determined impact policyholders’ experiences with an insurance company. These factors include a robust assessment of each company’s cost of coverage, product availability, financial strength ratings, online capabilities and customer and claims support accessibility. We grouped these factors into three essential categories — cost and ratings, coverage and savings, and support — which we then weighted in a tiered approach.
Each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlighting where they fall short.
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Cost & ratings 50%
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Coverage & savings 30%
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Support 20%
- Tier 1 (Cost & ratings): To determine how well auto insurance companies satisfy these priorities, our team analyzed quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best, Demotech and the National Association of Insurance Commissioners (NAIC).
- Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated the discount options listed on each company’s website.
- Tier 3 (Support): To encompass the many ways an auto insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored in a company’s corporate sustainability efforts.
