CarInsurance.com Insights
- CarInsurance.com’s data study found that GEICO and Travelers offer the cheapest car insurance rates in Jacksonville at annual costs of $527 and $783, respectively, for state minimum coverage.
- You can save an average of $4,059 per year on a full coverage policy in Jacksonville by comparing price quotes from different carriers.
- Drivers with a speeding ticket on their records can find the cheapest rates with State Farm at an average annual cost of $2,983 for full coverage.
- State Farm is one of the most affordable insurers for drivers with a DUI, with average annual premiums of $2,983 for full coverage.
GEICO, UAIC and Travelers are the top insurers with the most affordable car insurance rates for drivers in Jacksonville, Florida for a full coverage policy.
In Jacksonville, an adult with a clean driving record and good insurance score typically pays $1,198 per year for a state minimum car insurance policy and expect to pay $3,909 on average if you choose to purchase a full coverage policy.
Insurance companies take various factors into account, including age, driving history and car make and model, to determine premiums.
Location is another important factor that helps insurers calculate your insurance rates. Premiums vary significantly between cities and even by ZIP codes within the same city. High-traffic areas generally lead to more accidents and claims, so insurers also consider population density, road conditions and weather to determine rates.
That’s why our team of experts has created this guide to help you make smart decisions about car insurance. It also highlights the cheapest insurance companies in Jacksonville.
Who offers the cheapest car insurance rates in Jacksonville, Florida?
GEICO offers cheap car insurance rates in Jacksonville at an average annual cost of $527 or $44 per month for state minimum coverage and $211 per month for a full coverage policy, based on our data study.
Below, you’ll find the companies that offer cheap car insurance to Jacksonville drivers.
| Insurance company | Annual premium |
|---|---|
| GEICO | $2,529 |
| UAIC | $2,590 |
| Travelers | $2,628 |
| State Farm | $2,784 |
| Nationwide | $3,121 |
| Mercury Insurance | $4,022 |
| National General | $4,479 |
| Allstate | $4,922 |
| Farmers | $5,426 |
| Progressive | $6,588 |
Average car insurance rates in Jacksonville
According to our rate analysis, the average cost of car insurance for state minimum coverage in Jacksonville is $1,198. For liability-only coverage with limits of 50/100/50, you would pay $82 more a month or $978 more a year.
You can get full coverage (100/300/100) by paying $226 more a month or an additional $2,711 a year. However, a full coverage policy is worth the extra cost because it provides added protection for your vehicle and against potential liability claims.
| Coverage type | Annual premium |
|---|---|
| State minimum | $1,198 |
| Liability only (50/100/50) | $2,176 |
| Full coverage (100/300/100, $500 ded.) | $3,909 |
| Full Coverage – 100/300/100 BI/PD – 250 Comp/Coll | $4,161 |
| Full Coverage – 100/300/100 BI/PD – 1000 Comp/Coll | $3,691 |
| Non-owners | $923 |
Cheapest rates for drivers in Jacksonville, Florida, by age
Age is an important factor that insurance companies take into account when determining car insurance rates for drivers.
Teen drivers (ages 16 to 19) are at a higher risk of accidents due to their inexperience. The Centers for Disease Control and Prevention (CDC) reports that teen drivers are much more likely to be involved in fatal accidents compared to adults. As the risk of accidents rises, so do car insurance rates.
Drivers in their 40s, 50s and 60s typically pay less for car insurance than teen drivers because they are more likely to adhere to traffic laws and have more driving experience.
| Age group | Insurance company | Annual premium |
|---|---|---|
| Teens (16-19) | UAIC | $6,274 |
| Young adults (20-24) | UAIC | $3,592 |
| Adults (25-60) | GEICO | $2,594 |
| Seniors (65-75) | GEICO | $2,359 |
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Cheapest car insurance rates for Jacksonville drivers after a speeding ticket
State Farm offers the most affordable car insurance rates for drivers in Jacksonville following a speeding ticket, at an average annual cost of $2,983 or $249 per month for full coverage.
Travelers and GEICO also offer cheap insurance rates after a speeding ticket.
Find below the car insurance companies with affordable insurance rates for Jacksonville drivers with a speeding ticket.
| Insurance company | Rate before ticket | Rate with speeding ticket | Rate increase (%) |
|---|---|---|---|
| State Farm | $2,784 | $2,983 | 7% |
| Travelers | $2,628 | $3,809 | 45% |
| GEICO | $2,529 | $4,400 | 74% |
| Nationwide | $3,121 | $4,792 | 54% |
| Mercury Insurance | $4,022 | $5,236 | 30% |
| National General | $4,479 | $5,238 | 17% |
| Progressive | $6,588 | $8,526 | 29% |
| Farmers | $5,426 | $9,150 | 69% |
Cheap car insurance for drivers with a DUI in Jacksonville
A DUI conviction on your driving record makes it challenging to find affordable insurance rates. However, State Farm, Travelers and GEICO offer lower rates for high-risk drivers in Jacksonville.
The table below shows car insurance providers in Jacksonville that offer affordable coverage after a DUI conviction.
| Insurance company | Rate before DUI | Rate with DUI | Rate increase (%) |
|---|---|---|---|
| State Farm | $2,784 | $2,983 | 7% |
| Travelers | $2,628 | $4,000 | 52% |
| GEICO | $2,529 | $4,562 | 80% |
| National General | $4,479 | $4,717 | 5% |
| Mercury Insurance | $4,022 | $5,994 | 49% |
| Allstate | $4,922 | $6,378 | 30% |
| Nationwide | $3,121 | $6,633 | 113% |
| Progressive | $6,588 | $7,336 | 11% |
| Farmers | $5,426 | $14,035 | 159% |
Affordable car insurers for Jacksonville drivers after an at-fault accident
An at-fault accident in Jacksonville can lead to higher car insurance rates, but don’t worry – some insurers offer affordable car insurance rates. In Jacksonville, State Farm offers the cheapest car insurance rates for drivers with an accident on their records. Other insurers that offer affordable premiums include GEICO and Travelers.
The table below shows affordable auto insurance options for drivers in Jacksonville with a history of at-fault accidents.
| Insurance company | Rate before at-fault accident | Rate with at-fault accident | Rate increase (%) |
|---|---|---|---|
| State Farm | $2,784 | $3,199 | 15% |
| GEICO | $2,529 | $3,632 | 44% |
| Travelers | $2,628 | $3,655 | 39% |
| Nationwide | $3,121 | $4,395 | 41% |
| National General | $4,479 | $5,710 | 27% |
| Mercury Insurance | $4,022 | $6,922 | 72% |
| Farmers | $5,426 | $8,470 | 56% |
| Allstate | $4,922 | $8,528 | 73% |
| Progressive | $6,588 | $9,614 | 46% |
How you can save on your car insurance policy
You can save an average of $4,059 annually or $338 monthly on a full coverage policy in Jacksonville, Florida, by comparing car insurance quotes, according to CarInsurance.com’s rate analysis. While savings will depend on your location, age and driving record, this shows a significant benefit to shopping for your policy.
Final thoughts: Car insurance cost in Jacksonville, Florida
It’s a good idea to shop around and compare insurance quotes when your policy is up for renewal to ensure you get the best car insurance deal. You can maximize your savings by using available discounts, driving a car with excellent safety features and keeping a clean driving record.
Resources and Methodology
Sources
- Centers for Disease Control and Prevention. “Teen drivers.” Accessed January 2026.
- Insurance Information Institute. “Senior driving safety and insurance tips.” Accessed January 2026.
Methodology
CarInsurance.com commissioned Quadrant Information Services to get car insurance rates. The rates are based on the sample profiles of 40-year-old male and female drivers carrying full coverage policies with limits of 100/300/100 and $500 collision and comprehensive deductibles. Read the detailed methodology for more information.
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