Jacksonville, FL Car Insurance
How much does car insurance cost in Jacksonville?
Car insurance in Jacksonville costs an average of $1,372 for a six-month policy or $229 per month on average — which is actually quite affordable compared to many capital cities around the country. In 2023, our data shows Travelers is the cheapest car insurance company in Jacksonville with rates at $1,028 for a six-month policy.
Jacksonville drivers pay less than the average for car insurance in Florida ($1,463 every six months) but significantly more than the national average of $880. 43% of our customers in Jacksonville stated they used our product because they were paying too much for car insurance.
If you are wondering if your rates are too high, or simply want to educate yourself about car insurance in Florida, keep reading to learn more about insurance requirements and typical rates in Jacksonville.
|Car Insurance in Jacksonville vs. Florida||Avg. 6 Mo. Premium|
The cheapest car insurance companies in Jacksonville
Travelers is the cheapest at $1,028 for a six-month policy ($171 per month).
In second place is State Farm, which costs $1,085 per six-month policy.
Rounding out the list is GEICO as the third-cheapest insurance company. On average, a GEICO policy in Jacksonville costs $1,191 per six-month policy.
Are you paying too much for auto insurance?
Jacksonville car insurance rates by company
According to our data for 2023, the best cheap auto insurance for full coverage in Jacksonville is Travelers at $171 per month or $1,028 per six-month policy, while the second cheapest is State Farm at a rate of $1,085 for a six-month policy. This breaks down to $181 per month. Both companies offer rates that are lower than average in Jacksonville.
Learn about top-rated car insurance companies based on The Zebra's Customer Satisfaction Survey.
Cheapest car insurance companies in Jacksonville, FL
Dynamic auto insurance data methodology
Methodology: The auto insurance rates displayed above and throughout this page are dynamic, meaning the data will refresh when the most recent information is made available. Rates are based on a sample driver profile — a 30-year-old single male driver with a Honda Accord and full coverage. This profile was adjusted based on common pricing factors used by major car insurance companies, like age, coverage level, driving record and others.
Shop around for the best rates
Comparing car insurance companies is the easiest method to find affordable rates. We will handle the challenging aspects while you concentrate on finding the best policy to meet your financial constraints and personal preferences. Type in your ZIP code and view quotes from top insurers like Progressive, Allstate, State Farm, and Nationwide (plus more) to find the cheapest car insurance in Jacksonville.
Average car insurance in Jacksonville by rating factor
Your car insurance rate is determined by rating factors, which are unique details about you. Companies may use common factors like credit score and age, but they assign different weights to each one. Some insurers might emphasize your driving and claims history, while others prioritize your credit score.
As your life circumstances change, so may the best insurance provider for you. Even if you've been with the same company for years, it's advisable to compare quotes every six months to a year to ensure you have the right coverage.
Q: I didn't have an accident — Why is my insurance going up?
A: In Jacksonville, the amount you pay for car insurance is influenced by several rating factors, including the revenue earned from premiums and the cost of paying claims. The end-of-year earnings of insurance companies are therefore crucial in determining your premium. However, you may still end up paying more with a specific insurer even if you've never filed a claim, as the price of doing business has increased in Jacksonville.
Auto insurance premiums by age in Jacksonville
Car insurance premiums are significantly influenced by age. Insurance providers assess the level of risk associated with each driver, and data analysis has indicated that teenage drivers are more prone to accidents and pose the most risk on the road. Consequently, teenage drivers are charged higher rates to compensate for the high cost of claims paid by insurance companies. For young drivers, this could be an unpleasant shock.
However, in Jacksonville, drivers in their 20s pay over $2,200 less per six-month policy than their teenage counterparts. With more years of driving experience under your belt, car insurance premiums are likely to decrease considerably within a few years. To keep premiums low, parents or guardians can add a teen driver to their policy, and students can ask about discounts for good grades and safe driving.
Cheapest car insurance companies for teen drivers in Jacksonville, FL
Auto insurance premiums for minimum coverage in Jacksonville
The premium you're charged for car insurance isn't just based on your personal factors such as your age or credit score. Your choice of coverage also plays a crucial role. In Jacksonville, 47% of drivers opt for basic coverage. While this can help lower your rates, it comes with its own set of risks. In the unfortunate event of an accident, you may find yourself underinsured and facing a significant financial burden.
If you're looking for peace of mind, consider adding collision or comprehensive coverage to your policy, also known as "full coverage." It's worth noting that these options often come with a higher price tag, including a deductible that can further impact your rates. However, if you want to balance full coverage with affordability, consider raising your deductible. As a general rule, the higher your deductible, the lower your premium will be.
To ensure your safety and protection while driving, it's crucial to have a safety net in place. Whether it's roadside assistance or uninsured motorist coverage, these extras can be invaluable if you find yourself in a collision with an uninsured driver. While they do come at an additional cost, these types of coverage can provide added peace of mind for both you and your vehicle.
Q: Can I lower my car insurance coverage?
A: Possibly — if your vehicle is paid off.
In case you have leased or financed your vehicle, it is probable that there is a mandatory amount of insurance coverage that you must maintain. If you're contemplating dropping your collision or comprehensive coverage, we advise you to obtain your car's actual cash value from a credible source such as Kelley Blue Book. In case your car's value is less than $4,000, you may not require full coverage, as it can significantly reduce your rates. However, it also puts you in a position of being liable to pay for any damages yourself.
Cheapest car insurance companies for minimum coverage in Jacksonville, FL
In Florida, which operates as a no-fault state, the requirements for drivers differ significantly from those in many other states. While bodily injury liability coverage is mandatory in most states, Florida's car insurance laws do not require it. Instead, they rely on personal injury protection (PIP) to handle injury coverage. Under the no-fault law, your own PIP insurance steps in to provide coverage up to the policy limits, regardless of fault. Unlike the majority of states, Florida residents are not obliged to carry bodily injury liability, which typically covers the medical expenses of individuals injured in accidents caused by the insured driver. In Florida, PIP coverage is responsible for medical costs. However, drivers are still obligated to maintain $10,000 in property damage liability.
Learn more about insurance laws in Florida.
Jacksonville car insurance rates by credit score
Credit score is a top factor for determining car insurance rates in most states, including Florida where Jacksonville is located. There are several reasons for this, and like most things in the insurance world, it really comes down to risk. Data have shown that drivers with lower credit scores tend to have more lapses in insurance coverage, riskier driving behaviors and file more claims. This connection means that the better your credit, the lower your risk factor for insurers — which usually means a better rate.
Jacksonville drivers with poor credit (300-579) pay 93% more than drivers with excellent credit (800-850). This can make a very big difference over time! However, 36% of drivers in Jacksonville have average (580-679) credit.
Cheapest car insurance companies for bad credit in Jacksonville, FL
Auto insurance rates with an at-fault accident
The most common type of insurance claims are at-fault and collision-type accidents, and you can expect either of them to raise your rates after the fact. In Jacksonville, the increase is by about $99 a month after an at-fault accident with damages that exceed $2,000. The best way to keep rates affordable is to be a safe driver, no matter where you live.
Speeding tickets, reckless driving charges, and DUIs or DWIs will all result in rate increases, and your premium can be affected for three to five years after an accident. Sometimes more serious violations can follow you for even longer. Accidents do happen, but by practicing safe driving habits when you're behind the wheel you're not only protecting yourself physically but also financially.
Cheapest car insurance companies after an at-fault accident in Jacksonville, FL
Jacksonville car insurance rates by violation
Below you can see how much different violations and claims will increase your rate in Jacksonville.
Car insurance rate increases after violations and citations in Jacksonville, FL
|Accident/Violation||Avg. 6 Mo. Premium||% Rate Increase||$ Rate Increase|
|One Med/PIP claim||$1,372||0%||$0|
|Two Med/PIP claims||$1,470||7%||$98|
|One comp claim||$1,480||8%||$107|
|Two comp claims||$1,526||11%||$153|
|Child safety restraint||$1,552||13%||$180|
|Failure to wear a seat belt||$1,552||13%||$180|
|Driving without lights||$1,558||14%||$186|
|Failure to show documents||$1,558||14%||$186|
|Speeding 6 - 10 MPH over limit||$1,575||15%||$203|
|Passing school bus||$1,593||16%||$221|
|Wrong way/wrong lane||$1,601||17%||$228|
|Failure to yield||$1,604||17%||$231|
|Failure to stop at a red light||$1,604||17%||$231|
|Driving with expired registration||$1,607||17%||$234|
|Following too closely||$1,607||17%||$234|
|Cell phone violation||$1,607||17%||$234|
|Texting while driving||$1,611||17%||$239|
|Speeding 11 - 15 MPH over limit||$1,631||19%||$258|
|Speeding in school zone||$1,644||20%||$271|
|Driving too slowly||$1,644||20%||$271|
|Speeding 16 - 20 MPH over limit||$1,691||23%||$319|
|Speeding 21 - 25 MPH over limit||$1,703||24%||$331|
|Operating a vehicle without permission||$1,725||26%||$353|
|In 65 MPH zone||$1,830||33%||$458|
|At-fault accident - less than $1000||$1,930||41%||$557|
|At-fault accident - greater than $2000||$1,969||43%||$596|
|At-fault accident - $1000-$2000||$1,969||43%||$596|
|Refusal to submit to a chemical test||$2,101||53%||$728|
|Driving with a suspended license||$2,158||57%||$785|
|Leaving scene of an accident/hit and run||$2,204||61%||$832|
Why is car insurance in Jacksonville so expensive?
Despite the fact that auto insurance rates can appear to be costly in certain cases, the cost of auto insurance in Jacksonville is rather reasonable for a Florida city. This is because the overall cost of living in Jacksonville is considerably lower, allowing businesses to operate without the additional expenses that are typical in larger cities.
To learn more about the reasons why car insurance rates can vary in Jacksonville and why your rate might feel more expensive, continue reading below.
Your Jacksonville residence's location is a significant determining factor in the cost of your car insurance. Although you may not have control over this factor, it is crucial when assessing risk. Certain neighborhoods are more prone to theft, other crimes and uninsured drivers. In Jacksonville, the difference in car insurance costs between the most expensive and the cheapest ZIP codes is by about $200. In other cities, this discrepancy can be more costly.
If you reside in an area with a high crime rate, it's probable that your car insurance premium will be higher than someone who lives in a safer neighborhood.
Expensive Jacksonville ZIP codes: 32206, 32208, 32210, 32204, 32209
Cheap Jacksonville ZIP codes: 32223, 32256, 32258, 32224, 32250
The impact of hurricanes and other weather-related damages has the potential to financially cripple insurance companies, and Jacksonville, Florida has experienced its fair share of such challenges. Situated in close proximity to the Atlantic Ocean, Jacksonville faces an elevated level of risk associated with extreme weather events. Consequently, auto insurance companies operating in Jacksonville encounter significant expenses while conducting their business. As a result, these companies increase their rates in anticipation of further weather-related losses.
Comprehensive coverage in your car insurance policy is essential as it safeguards against flood-induced damage to your vehicle. Particularly if you own a new or valuable vehicle, we highly recommend considering comprehensive coverage as an integral part of your Jacksonville car insurance policy.
Because Jacksonville has a larger population, the number of cars on its roads is much higher compared to rural areas in Florida, leading to a corresponding increase in the number of accidents. The costs associated with these accidents are usually spread out among other drivers in the vicinity by way of insurance premiums, even for those who drive safely or infrequently.
If you happen to have an accident with an uninsured driver in the area, you may have to pay for the entire repair cost.
Bundling insurance policies in Jacksonville
The cost of car insurance is on the rise in most places these days, including Jacksonville, and finding savings may seem like a stretch, but there are definitely ways you can try to make things more affordable. One of the easiest and quickest ways to save is to bundle policies.
If you have homeowners or renters coverage, as well as car insurance, ask your insurance company about combining them to get a multi-policy discount. You could get 10% or more off your total premiums by bundling. Learn more about bundling home and car insurance. If you're shopping for a new insurance company then don't forget to look into bundling discounts when you are comparing options.
Cheapest car insurance companies for bundling home and auto insurance in Jacksonville, FL
What you pay for auto insurance isn't entirely under your control, but there are things you can do as a driver to affect your rates. Keeping your driving record clean and taking steps to improve your credit score are a couple of examples. To make sure you're always aware of what you're paying, it's a good idea to get quotes from different insurers every six months to a year.
Comparing rates from multiple companies is the best way to find the right coverage at a price that fits your budget.
Find the best rates for both auto and home insurance in minutes!
Frequently asked questions
How much is car insurance in Jacksonville?
According to the latest data, the monthly cost of a six-month auto insurance policy in Jacksonville is $1,372 or $229 per month. Interestingly, this rate is lower than both the Florida state average but much higher than the national average.
What is the cheapest car insurance in Jacksonville?
Travelers offers the most affordable car insurance policies in Jacksonville, with an average cost of $1,028 for a six-month policy.
How much is car insurance in Jacksonville for teenagers?
A six-month policy in Jacksonville for teenagers costs a whopping $4,000, or roughly $667 per month. To help mitigate the high cost of car insurance for young drivers who have their own policy, we recommend that parents add their teenage children to their policies.
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About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.