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Car insurance coverage in Jacksonville costs an average of $1,464 annually for full coverage. That's $17 more expensive than the national average of $1,447. If you are looking for the cheapest car insurance in Jacksonville, consider comparing quotes from multiple insurers. Rates can vary by hundreds of dollars, depending on your age, driving record, and the type of car you own.

Read this guide to find out which insurance companies in Jacksonville provide the best car insurance coverage for you. Also, know about the carriers that have the best ratings for customer satisfaction and what rate each provider offers for your specific situation.

Cheapest car insurance companies in Jacksonville

United Svcs Automobile Assn is the cheapest car insurance company in Jacksonville with an average cost of $871 per year, based on insurance.com's rate analysis. While Geico is second in terms of the cheapest car insurance companies in Jacksonville. The table below shows how major insurance carriers rank for price.

CompanyAverage Annual Rates
United Svcs Automobile Assn$871
GEICO Advantage Ins Co$1,028
Standard Fire Ins Co$1,132
Nationwide General Ins Co$1,163
State Farm Mutl Automobile Ins$1,248
Progressive Northwestern Ins$1,326
Auto-Owners Ins Co$1,407
Farmers Ins Co$1,497
Automobile Club Inter-Ins$1,592
Allstate P&C Ins Co$1,975
Metropolitan P&C Ins Co$2,867

Cheapest car insurance cost in Jacksonville by age group

Among the carriers surveyed by Insurance.com, Geico Gen Ins Co is the cheapest car insurance company for adult drivers. It offers insurance at about $1,251 a year or $104 a month.

Rates typically drop as you gain more experience on the road and adult drivers can save money by shopping around and availing themselves of the discounts for which they are eligible. Progressive Northwestern Ins Co is also the cheapest auto insurance company for seniors with an average cost of $1,176 annually.

Car insurance rates go up for drivers after they enter their senior years, but they can trim their insurance costs by comparing quotes. Apart from shopping around, seniors can take advantage of the driver discounts available to lower their car insurance premiums.

Geico Gen Ins Co offers the cheapest car insurance for young adults in Jacksonville at about $1,934 a year. While State Farm Mut Auto Ins Co is the cheapest insurance provider for teen drivers for full coverage at an average of $3,498 a year.

The table below shows that young drivers pay higher car insurance rates than adult and senior drivers because of the lack of experience on the road. But young drivers can lower their insurance rates by shopping around, by taking advantage of the good student discount, or by staying on their parents' insurance policy for as long as they can.

Company NameAdultsSeniorsTeensYoung Adults
Geico Gen Ins Co$1,251$1,474$4,072$1,934
State Farm Mut Auto Ins Co$1,325$1,235$3,498$2,134
Progressive Northwestern Ins Co$1,362$1,176$7,681$2,241
Nationwide Prop & Cas Ins Co$1,588$1,938$5,672$2,862
Farmers Ins Co Inc$1,831$1,682$9,717$2,711
Allstate Prop & Cas Ins Co$2,488$2,466$10,025$3,726

Cheapest car insurance companies in Jacksonville by driver profile

Location and driving record are the two important factors that determine the cost of your car insurance. Your driving record can either raise or lower your car insurance premium depending on whether you have a good or bad driving history.

However, you can still find affordable coverage in Jacksonville no matter what your driving history looks like. Make sure you compare the rates of different insurance companies to get the best deal possible.

  • Cheapest for a driver with Poor Credit: Geico
  • Cheapest for a driver with a speeding ticket: United
  • Cheapest for accident: United
  • Cheapest for DUI: Geico

Cheapest for a driver with poor credit: Geico

Geico is the cheapest car insurance company for a driver with poor credit in Jacksonville. Its average annual rate is $2,169 or $181 a month.

Insurance companies often require that car drivers have good credit scores, and those with bad or poor credit may face more expensive rates.

CompanyAverage Annual Rates
Geico$2,169
United$2,268
Standard Fire Ins Co$2,919
Nationwide$2,921
Farmers Ins$3,023
Progressive$3,664
Automobile Club Inter-Ins$3,970
Allstate$4,368
Auto-Owners Ins Co$5,819
State Farm$8,857
Metropolitan$11,010

Cheapest auto insurance for drivers with a speeding ticket: United

United is the cheapest auto insurance company for a driver with a speeding ticket in Jacksonville. Its average annual premium is $1,505 annually or $125 per month.

If you get a speeding ticket, it can lead to higher insurance rates for 3-5 years. Make sure you compare price quotes from multiple insurers before you decide on the company.

CompanyAverage Annual Rates
United$1,505
Geico$1,713
State Farm$1,831
Farmers Ins$2,503
Standard Fire Ins Co$2,558
Auto-Owners Ins Co$2,718
Nationwide$2,862
Progressive$2,890
Allstate$3,299
Automobile Club Inter-Ins$3,624
Metropolitan$9,926

Cheapest auto insurance after an at-fault accident: United

United offers the cheapest car insurance rates for a driver with an accident record in Jacksonville at about $1,785 per year. Apart from United, State Farm, Geico, and Standard Fire are other cheap insurance companies on our list.

CompanyAverage Annual Rates
United$1,785
State Farm$1,983
Geico$2,390
Standard Fire Ins Co$2,391
Farmers Ins$2,682
Nationwide$2,749
Auto-Owners Ins Co$3,336
Progressive$3,506
Automobile Club Inter-Ins$4,097
Allstate$4,231
Metropolitan$9,641

Cheapest auto insurance after a DUI: Geico

Geico is the cheapest insurance company for a driver after a DUI or DWI offense in Allakaket at about a $1,666 year.

If you're convicted of a DUI, your insurance rates will go up and it could be years before they come down again. So, it's important to shop around and find the best deal for you.

CompanyAverage Annual Rates
Geico$1,666
State Farm$1,831
United$2,312
Standard Fire Ins Co$2,532
Progressive$2,550
Farmers Ins$2,582
Allstate$3,833
Automobile Club Inter-Ins$4,073
Auto-Owners Ins Co$4,489
Nationwide$4,625
Metropolitan$11,073

Average car insurance cost in Jacksonville

The average car insurance rate in Jacksonville is $1,464 a year for a full coverage policy of 100/300/100 for a driver age 30, $17 more than the national average of $1,447.

The average annual premium in Jacksonville for minimum coverage is $478 a year or $40 a month, based on Insurance.com's rate analysis.

Average Annual RatesState Minimum Average
$1,464$478