Average car insurance cost in Jacksonville

The average car insurance rate in Jacksonville for full coverage is $1,890 per year or $158 a month. These rates are for coverage levels of 100/300/100 with $500 deductibles.

Whereas, the average rate for state minimum coverage in Jacksonville is $480 per year. The state minimum liability limits are 25/50/25.

Full coverage car insurance may cost more than the state minimum, but it offers valuable protection beyond just covering damage to other drivers' vehicles. Unlike state minimum, full coverage includes damage to your vehicle in addition to liability coverage.

You can potentially lower your full coverage premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods. by comparing quotes from different carriers.

Average 6 month premium$945
Average annual premium$1,890
State minimum premium$480

Cheapest car insurance companies in Jacksonville

Travelers offers the cheapest rates on average at $1,472 per year. Nationwide is the second-most affordable auto insurance company on the list, based on our rate comparison for full coverage.

Car insurance prices differ based on where you live, your driving history, coverage limit and your insurance provider. To find the best deal on auto insurance, it's wise to compare quotes from various companies.

Below are the companies that offer cheap car insurance to drivers in Jacksonville.

CompanyAverage 6 month rateAverage annual rate
Travelers$736$1,472
Nationwide$752$1,503
Shelter Insurance$812$1,623
GEICO$868$1,736
State Farm$1,021$2,042
Southern Farm Bureau$1,086$2,171
Farmers$1,128$2,256
Progressive$1,153$2,305
Allstate$1,371$2,743
USAA$525$1,050

Cheapest car insurance cost in Jacksonville by age group

Car insurance rates in Jacksonville vary by age group; the risk associated with insuring a driver differs by age, especially when it comes to younger, inexperienced drivers. Take a look at the cheapest companies in Jacksonville by age: as insurers consider factors like driving experience and accident risk while calculating the insurance premiums.

  • Cheapest for teens: Travelers
  • Cheapest for young adults: Travelers
  • Cheapest for adults: Nationwide
  • Cheapest for seniors: Nationwide

Teen drivers pay the highest insurance rates because they have the least driving experience and a higher likelihood of accidents. Travelers offers the cheapest car insurance for teens at $4,028 per year.

Travelers offers the most affordable auto insurance for young adults at $2,255 annually. Young adults typically see lower rates than teens but still pay more than older drivers. While they have more experience, statistics show they are more likely to engage in risky driving behaviors.

Adult drivers pay lowest car insurance premiums because they have more driving experience and a lower risk of accidents. Nationwide provides the lowest car insurance rates at $1,477 per year for adult drivers in Jacksonville.

Nationwide offers the least expensive car insurance for senior drivers in Jacksonville, at $1,440 per year. Insurance rates for senior drivers increase slightly due to factors like slower reaction times and higher accident risks.

CompanyTeensYoung adultsAdultsSeniors
Nationwide$5,383$2,625$1,477$1,440
Travelers$4,028$2,255$1,498$1,490
Shelter Insurance$5,031$3,016$1,688$1,515
GEICO$6,121$2,740$1,706$1,617
State Farm$6,161$3,499$2,059$1,990
Farmers$10,273$2,978$2,151$2,264
Southern Farm Bureau$4,450$3,193$2,180$1,995
Progressive$10,494$3,700$2,325$2,248
Allstate$12,553$4,494$2,717$2,815
Alfa Insurance$7,113$4,744$3,113$3,273
USAA$3,580$1,502$1,055$1,081

Cheapest car insurance companies in Jacksonville by driver profile

Car insurance rates in Jacksonville vary by driver profile. Drivers with a history of accidents or tickets on their record will likely pay more for car insurance than those without any driving violations.

Below are some of the cheapest car insurance companies in Jacksonville by driver profile.

Cheapest for a driver with poor credit: Nationwide

Nationwide is the most affordable car insurance for drivers with poor credit. On average, drivers in Jacksonville pay about $2,349 per year for it.

Here are some car insurance companies that offer cheap car insurance rates for drivers with poor credit in Jacksonville.

CompanyAverage 6 month premiumAverage annual premium
Nationwide$1,175$2,349
Travelers$1,267$2,534
GEICO$1,341$2,681
Progressive$1,987$3,973
Allstate$2,325$4,649
Farmers$2,392$4,784
State Farm$5,007$10,013
USAA$984$1,967

Cheapest auto insurance after an at-fault accident: Travelers

In Jacksonville, Travelers offers the cheapest car insurance for drivers with at-fault accident at $2,114 annually. An at-fault accident increases car insurance rates because it indicates that you are a higher risk for another accident. But some companies offer lower prices than others.

The table below shows the most affordable car insurance companies for drivers with an at-fault accident in Jacksonville.

CompanyAverage 6 month premiumAverage annual premium
Travelers$1,057$2,114
State Farm$1,180$2,359
Nationwide$1,289$2,578
GEICO$1,503$3,006
Farmers$1,796$3,591
Progressive$1,815$3,629
Allstate$2,030$4,060
USAA$774$1,548

Cheapest auto insurance after a DUI: State Farm

State Farm offers the cheapest car insurance rates for drivers with a first offense DUI/DWI on their driving record. The average rate is $2,183 per year, making it the cheapest option amongst all the companies analyzed.

A DUI significantly increases your auto insurance premiums. But rates can be reduced over time by maintaining a clean driving record or completing a state-approved defensive driving course.

Here are the cheapest car insurance companies for drivers with a DUI in Jacksonville.

CompanyAverage 6 month premiumAverage annual premium
State Farm$1,092$2,183
Travelers$1,127$2,254
Progressive$1,278$2,556
GEICO$1,619$3,238
Nationwide$1,662$3,324
Allstate$1,826$3,651
Farmers$2,536$5,071
USAA$1,019$2,038

Cheapest for drivers with a speeding ticket: State Farm

State Farm offers the cheapest car insurance at $2,183 in Jacksonville for drivers with speeding ticket on their driving records. Getting a speeding ticket can raise your car insurance rates, but some companies offer lower premiums than others.

Here are the companies offering cheap auto insurance for drivers with speeding ticket.

CompanyAverage 6 month premiumAverage annual premium
State Farm$1,092$2,183
Travelers$1,142$2,283
Nationwide$1,215$2,429
GEICO$1,435$2,870
Progressive$1,502$3,004
Allstate$1,594$3,188
Farmers$1,974$3,947
USAA$625$1,250

Car insurance discounts for Jacksonville drivers

The biggest car insurance discount available in Jacksonville is for the years insured category at 48.94%, offered by Auto Club Enterprises (AAA).

Car insurance is essential for drivers in Jacksonville, but you should not pay more than necessary. Insurance companies offer a variety of discounts that can help lower your premium. Whether you're a safe driver, a student or bundle your home and auto insurance, there are savings opportunities available.

Here are some of the car insurance discounts insurers offer to Jacksonville drivers and how much you could save on average.

CategoryCompanyPremium before discount% Discount$ Difference
Air BagsAllstate$3,2020.62%$20
Air BagsAuto-Owners$2,0051.15%$23
Air BagsGEICO$2,2171.49%$33
Air BagsNationwide$1,7491.54%$27
Air BagsShelter Insurance$1,9260.26%$5
Anti-Theft DeviceAuto Club Enterprises (AAA)$2,1962.32%$51
Anti-Theft DeviceAuto-Owners$2,0051.73%$35
Anti-Theft DeviceGEICO$2,2171.29%$29
Daily CommuteAuto-Owners$2,0058.99%$180
Daily CommuteShelter Insurance$1,9260.93%$18
Days Advanced PurchaseAlfa Corporation$3,2010.78%$25
Days Advanced PurchaseAllstate$3,20210.52%$337
Days Advanced PurchaseAuto Club Enterprises (AAA)$2,1962.09%$46
Days Advanced PurchaseAuto-Owners$2,0055.99%$120
Days Advanced PurchaseFarmers$1,8229.77%$178
Days Advanced PurchaseNationwide$1,7496.06%$106
Days Advanced PurchaseProgressive$1,7706.64%$118
Days Advanced PurchaseShelter Insurance$1,9263.95%$76
Days Advanced PurchaseTravelers$1,5015.40%$81
Days Per Week DrivenShelter Insurance$1,9260.93%$18
EducationGEICO$2,21721.74%$482
EducationProgressive$1,7702.43%$43
Electronic Funds TransferAlfa Corporation$3,2013.97%$127
Electronic Funds TransferAllstate$3,2024.40%$141
Electronic Funds TransferFarmers$1,8221.98%$36
Electronic Funds TransferTravelers$1,5014.00%$60
HomeownerAlfa Corporation$3,2011.22%$39
HomeownerAllstate$3,2027.28%$233
HomeownerAuto-Owners$2,0056.98%$140
HomeownerFarmers$1,8220.93%$17
HomeownerGEICO$2,2174.83%$107
HomeownerProgressive$1,7708.47%$150
Lower Annual MileageAuto Club Enterprises (AAA)$2,1962.00%$44
Lower Annual MileageGEICO$2,2173.60%$80
Lower Annual MileageShelter Insurance$1,9262.86%$55
Lower Annual MileageState Farm$1,3799.64%$133
Lower Annual MileageTravelers$1,5019.19%$138
Loyalty - Years Renewal With CompanyAlfa Corporation$3,2011.93%$62
Loyalty - Years Renewal With CompanyAuto Club Enterprises (AAA)$2,19610.75%$236
Loyalty - Years Renewal With CompanyShelter Insurance$1,9265.38%$104
Loyalty - Years Renewal With CompanySouthern Farm Bureau$2,0213.32%$67
Loyalty - Years Renewal With CompanyState Farm$1,37920.85%$288
Marital StatusAlfa Corporation$3,20121.99%$704
Marital StatusAllstate$3,2024.31%$138
Marital StatusNationwide$1,7498.00%$140
Marital StatusProgressive$1,77018.81%$333
Marital StatusSouthern Farm Bureau$2,0219.95%$201
Multi PolicyAlfa Corporation$3,2011.22%$39
Multi PolicyAllstate$3,20210.46%$335
Multi PolicyAuto Club Enterprises (AAA)$2,1967.74%$170
Multi PolicyAuto-Owners$2,0057.78%$156
Multi PolicyFarmers$1,8227.30%$133
Multi PolicyGEICO$2,2175.98%$133
Multi PolicyNationwide$1,7493.92%$69
Multi PolicyProgressive$1,77013.28%$235
Multi PolicySouthern Farm Bureau$2,02124.29%$491
Multi PolicyState Farm$1,37912.07%$167
Multi PolicyTravelers$1,5017.25%$109
Paperless/Electornic DocumentsAlfa Corporation$3,2011.91%$61
Paperless/Electornic DocumentsAllstate$3,2028.78%$281
Paperless/Electornic DocumentsFarmers$1,8225.93%$108
Paperless/Electornic DocumentsNationwide$1,7493.77%$66
Paperless/Electornic DocumentsProgressive$1,7700.96%$17
Payment TypeAlfa Corporation$3,2012.31%$74
Payment TypeAllstate$3,2029.03%$289
Payment TypeAuto-Owners$2,00513.97%$280
Payment TypeFarmers$1,8224.94%$90
Payment TypeShelter Insurance$1,92611.99%$231
Payment TypeTravelers$1,5018.86%$133
Primary UseAllstate$3,2027.12%$228
Primary UseAuto Club Enterprises (AAA)$2,1969.61%$211
Primary UseAuto-Owners$2,00514.09%$283
Primary UseNationwide$1,7497.55%$132
Primary UseShelter Insurance$1,92613.40%$258
Primary UseSouthern Farm Bureau$2,02118.21%$368
Primary UseState Farm$1,37911.89%$164
Primary UseTravelers$1,5014.67%$70
ProfessionGEICO$2,2178.78%$195
ProfessionProgressive$1,7709.32%$165
Safety DevicesAllstate$3,2027.12%$228
Safety DevicesAuto-Owners$2,0052.99%$60
Safety DevicesGEICO$2,2172.57%$57
Safety DevicesProgressive$1,7704.92%$87
TelematicsProgressive$1,77010.11%$179
TelematicsState Farm$1,3797.83%$108
Years InsuredAlfa Corporation$4,36026.58%$1,159
Years InsuredAllstate$4,67026.70%$1,247
Years InsuredAuto Club Enterprises (AAA)$4,26248.94%$2,086
Years InsuredAuto-Owners$2,40716.70%$402
Years InsuredFarmers$2,62524.60%$646
Years InsuredGEICO$3,31813.78%$457
Years InsuredProgressive$2,2306.68%$149
Years InsuredTravelers$2,68734.43%$925
Years LicensedAuto Club Enterprises (AAA)$5,25616.55%$870
Years LicensedFarmers$4,08535.74%$1,460
Years LicensedGEICO$4,63224.31%$1,126
Years LicensedNationwide$2,35416.57%$390
Years LicensedProgressive$3,13825.18%$790
Years LicensedState Farm$1,72017.36%$299
Years LicensedTravelers$4,41235.09%$1,548

How to get cheap car insurance in Jacksonville in 2025

Find affordable car insurance in Jacksonville by following these smart strategies:

  • Compare quotes from multiple insurers. Different insurance companies offer different rates, so it's important to shop around. Get quotes from at least three providers and compare coverage rates to find the best deal.
  • Take advantage of discounts offered. Look for discounts for safe drivers, good students, bundling multiple policies (such as auto and home insurance), installing safety or anti-theft devices in your car or paying your premium in full instead of monthly.
  • Choose a higher deductible. A higher deductible means you'll pay more out of pocket in case of a claim, but it also lowers your monthly premium. Make sure you can afford the one you picked.
  • Maintain a good driving record. Safe driving can help you qualify for lower rates. Avoid speeding tickets, accidents and other violations to keep your insurance costs down.
  • Drive a car that's cheaper to insure. Some cars cost more to insure than others. Vehicles with high safety ratings and lower repair costs usually have lower insurance premiums.
  • Consider state minimum coverage (if appropriate). If you have an older car that isn't worth much, you might save money by choosing a basic liability policy instead of full coverage. However, make sure you meet the legal requirements in Jacksonville.

Methodology

Insurance.com commissioned 2023 data for the cheapest car insurance rates in cities from Quadrant Data Services for all 50 states and Washington, D.C. Rates are based on the following profile:

  • 40-year-old male driver
  • Honda Accord LX
  • 12-mile daily commute, 10,000 annual miles
  • Good credit
  • Clean record

While the rates for drivers with poor credit, speeding tickets, DUI and at-fault accidents were sourced from the Auto Problems Report 2023.

Rates are based on coverage limits of:

  • $100,000 bodily injury per person
  • $300,000 bodily injury per accident
  • $100,000 property damage per accident
  • $500 comprehensive and collision deductible

Insurance.com analyzed rates from over 34,000 ZIP codes, 56 million quotes, and 136 companies. Based on the analysis, we have created lists of the cheapest companies for different driver profiles. USAA also made it to the list, but it offers services only to current and former military members and their families. Rates sourced from Quadrant Data Services for comparison purposes only; your rates may differ.