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Kristine Lee

Insurance Analyst

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  • Licensed Insurance Agent — Property and Casualty
  • 4+ years of Experience in the Insurance Industry

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer. Before joining The Zebra, she was a…

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Nathan Foster

Agency Trainer

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  • Licensed Insurance Agent - Property and Casualty

Nathan is an insurance professional with a focus on creating positive customer experiences with more than 10 years of industry experience.

Nathan tra…

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Beth Swanson

SEO Content Strategist

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  • Licensed Insurance Agent — Property and Casualty

Beth joined The Zebra in 2022 as an Associate Content Strategist. She is a licensed insurance agent whose goal is to make insurance content easy to r…

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 2024, 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
Jacksonville Average $1,372
Florida Average $1,463

The cheapest car insurance companies in Jacksonville

1st place medal
1st place: Travelers

Travelers is the cheapest at $1,028 for a six-month policy ($171 per month).

2nd place medal
2nd place: State Farm

In second place is State Farm, which costs $1,085 per six-month policy.

3rd place medal
3rd place: GEICO

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.

The Zebra's key takeaways about car insurance in Jacksonville:

  • The average cost of a car insurance policy in Jacksonville is $1,372 per six-month policy — $229 per month.
  • The cheapest company in Jacksonville is Travelers ($1,028).
  • 43% of Zebra customers in Jacksonville stated they used our product because they were paying too much for car insurance.

Are you paying too much for auto insurance?

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Jacksonville car insurance rates by company

According to our data for 2024, 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
Company Avg. 6 Mo. Premium
Travelers $1,028
State Farm $1,085
GEICO $1,191
Mercury $1,419
MetLife $1,511
Progressive $1,554
Allstate $1,621

The Zebra’s Dynamic Insurance Rating Tool data methodology — auto insurance

The auto insurance rates displayed throughout this page come from The Zebra’s Dynamic Insurance Rating Tool, a proprietary insurance premium estimator that uses the most recent rate filings across the United States at the ZIP code level to provide up-to-date rate data. Most insurance companies file car insurance rates one to two times a year. This data comes from Quadrant Information Services, which sources the latest approved rate filings across carriers in each state from S&P Global. Quadrant then uses an internal QA process to validate the information and build reports before the data is programmed into The Zebra’s dynamic rating tool.

Rates are based on a sample driver profile — a 30-year-old single male driver with a Honda Accord and full coverage at these levels:

  • $50,000 per person/$100,000 per incident for bodily injury liability
  • $50,000 per incident for property damage liability
  • $500 deductibles for collision and comprehensive coverage

To provide insight to consumers on how specific personal factors (like age, location and coverage level) can affect your premium, this base profile is then adjusted for different factors commonly used by insurance companies. For more information, see our full data methodology.


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.

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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
Company Avg. 6 Mo. Premium
GEICO $2,506
Travelers $3,183
State Farm $3,566
Progressive $4,421
MetLife $4,504
Allstate $5,295
Mercury $7,180
Age Bracket Cheapest Companies Avg. 6 Mo. Premium
20s Travelers $1,236
30s Travelers $1,020
40s Travelers $927
50s Travelers $870
60s Travelers $868
70s Travelers $1,017

Zebra Tip: The cheapest companies for Jacksonville drivers between the ages of 20 to 29 is Travelers


Our research reveals that the age group of 20 to 29 is the largest demographic of drivers in Jacksonville. The average rate for a six-month policy in this group is approximately $1,721. However, selecting Travelers could result in savings of up to 28%.

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
Company Avg. 6 Mo. Premium
GEICO $269
Mercury $272
Travelers $288
State Farm $306
MetLife $372
Allstate $502
Progressive $665

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.

car insurance in jacksonville by credit score
Cheapest car insurance companies for bad credit in Jacksonville, FL
Company Avg. 6 Mo. Premium
State Farm $1,969
Travelers $2,041
GEICO $2,093
Mercury $2,300
Progressive $2,397
Allstate $2,972
MetLife $3,433

Zebra Tip: If you recently improved your credit score, shop around for car insurance!


Improving your credit score doesn't necessarily mean you have to boost it by hundreds of points overnight. In Jacksonville, our data reveals that drivers with "Fair" credit can save over $1,300 for car insurance annually than drivers with "Poor" credit.

Your position on the spectrum may result in just a few points of difference. If you've been putting effort into enhancing your credit, such as repaying a loan, now would be a great time to assess your creditworthiness and see if your efforts have paid off, potentially saving you money on car insurance.

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
Company Avg. 6 Mo. Premium
Travelers $1,337
State Farm $1,438
GEICO $1,500
Progressive $2,282
Mercury $2,379
MetLife $2,477
Allstate $2,513

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
None $1,372 0% $0
Not-at-fault accident $1,423 4% $50
Two Med/PIP claims $1,470 7% $98
One comp claim $1,480 8% $107
Two comp claims $1,526 11% $153
Failure to wear a seat belt $1,552 13% $180
Child safety restraint $1,552 13% $180
Failure to show documents $1,558 14% $186
Driving without lights $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
Improper passing $1,602 17% $229
Failure to stop at a red light $1,604 17% $231
Failure to yield $1,604 17% $231
Illegal turn $1,605 17% $232
Following too closely $1,607 17% $234
Driving with expired registration $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
Driving too slowly $1,644 20% $271
Speeding in school zone $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
Open container $1,755 28% $383
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
Racing $2,074 51% $702
Refusal to submit to a chemical test $2,101 53% $728
DUI $2,101 53% $728
Driving with a suspended license $2,158 57% $785
Reckless driving $2,178 59% $806
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.

location
Location

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

Weather risk
Weather risk

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.

number of drivers
Number of drivers

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.

Zebra Tip: Comprehensive coverage and uninsured property damage coverage are good to have in Florida


While no one plans to have an accident, especially with an uninsured driver, carrying uninsured motorist coverage (UMPD) can prepare you for the unexpected. UMPD coverage will help you in the event that an uninsured or underinsured driver damages your vehicle or causes injury to you. UMPD coverage usually has a lower deductible than collision coverage, is typically less expensive, and will also lead to lower rate increases if you need to make a claim.

Harsh weather conditions can also result in severe vehicle damage. Jacksonville is at risk for hurricanes, so it is recommended that you carry comprehensive coverage for your vehicle, even if it is paid off.


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.

bundling home and auto insurance in jacksonville
Cheapest car insurance companies for bundling home and auto insurance in Jacksonville, FL
Company Avg. 6 Mo. Premium
Travelers $918
State Farm $929
GEICO $1,101
Allstate $1,318
Mercury $1,320
MetLife $1,325
Progressive $1,353

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!

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Frequently asked questions

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.

Travelers offers the most affordable car insurance policies in Jacksonville, with an average cost of $1,028 for a six-month policy.

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.


Find affordable rates in minutes!

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How much is car insurance near me? — explore more cities near Jacksonville, FL


Recently answered questions about car insurance in Jacksonville from real Zebra customers

Car insurance near me in Jacksonville

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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 editorial 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.