CarInsurance.com Insights
- According to a CarInsurance.com study, GEICO and Travelers rank among the cheapest car insurance providers in Jacksonville, offering insurance for $527 and $783, respectively, per year for a state minimum policy.
- Comparing car insurance quotes from different insurance companies can help you save an average of $4,059 per year on your car insurance policy.
- For drivers with a speeding violation, State Farm offers the most affordable full coverage car insurance in Jacksonville, averaging $2,983 per year.
- State Farm is among the most affordable car insurance providers for drivers with a DUI in Jacksonville, with an average annual full coverage cost of $2,983.
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, the average annual cost of a state minimum car insurance policy for an adult with a clean driving record and a good insurance score is $1,198. If you upgrade to full coverage, the cost increases to $3,909.
Insurance companies determine premiums for each driver differently, taking into account factors like age, driving history and car make and model.
Where you live plays a significant role in determining car insurance rates. Premiums vary widely from one city to another and even between ZIP codes within the same city. Areas with more traffic often see higher accident rates and more claims, so insurers take into account factors such as population density, road conditions and weather.
That’s why our experts have put together this detailed guide to help you make informed choices about car insurance. It also includes a list of the most affordable car insurance providers 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
Based on our rate analysis, the average cost of car insurance for state minimum coverage in Jacksonville is $1,198. If you choose liability-only coverage with limits of 50/100/50, you’ll pay $82 more per month or $978 more per year.
For full coverage (100/300/100), you would pay an additional $226 per month or $2,711 more annually. Experts recommend purchasing a full coverage policy as it provides more protection than state minimum and liability-only policies.
| 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 plays a significant role in determining car insurance rates in Jacksonville. It’s one of the key factors that insurers consider when setting premiums.
Teens (ages 16 to 19) are more likely to be involved in accidents due to their lack of experience behind the wheel. According to the Centers for Disease Control and Prevention (CDC), teen drivers are more likely to be involved in fatal crashes compared to adults. The greater the risk of an accident, the higher the car insurance rates.
According to the Insurance Information Institute (Triple-I), drivers in their 40s, 50s and 60s generally pay lower car insurance premiums than teen drivers because they have significantly 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 March 2026.
- Insurance Information Institute. “Senior driving safety and insurance tips.” Accessed March 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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