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.
According to a detailed data analysis, GEICO, UAIC and Travelers provide cheap car insurance rates for drivers in Jacksonville, Florida for a full coverage policy.
Car insurance in Jacksonville for an adult with a clean driving record and good insurance score costs $1,198 a year for a state minimum policy and $3,909 for a full coverage policy.
Insurance companies consider drivers as individuals, factoring in their age, driving history, the make and model of their car and other factors.
Where you live is also a significant factor. Car insurance rates can vary significantly from city to city and even from one ZIP code to another. More traffic typically translates to more accidents and claims, so insurers look at neighborhoods and consider population density, road conditions, weather and other factors to calculate premiums.
That’s why our experts have created this comprehensive guide to help you make smart decisions about car insurance. It also lists the cheapest car insurance carriers and rates in Jacksonville.
Who offers the cheapest car insurance rates in Jacksonville, Florida?
GEICO provides the cheapest car insurance for a state minimum policy in Jacksonville at an average cost of $527 per year or $44 per month. Its full coverage car insurance averages $211 monthly for the coverage limits of 100/300/100 coverage and $500 collision and comprehensive deductibles.
See the companies below that offer affordable car insurance to drivers in Jacksonville.
| 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, state minimum coverage in Jacksonville costs an average of $1,198 per year. Opting for liability-only coverage with 50/100/50 limits would increase your monthly payment by $82 and your yearly premium by $978.
For full coverage (100/300/100with $500 collision and comprehensive deductibles), you can expect to pay $226 more per month or $2,711 per year. However, it’s worth the extra cost as it provides adequate protection to drivers in the event of an accident.
| 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 a key factor in determining car insurance rates in most cities, including Jacksonville. It’s one of several factors insurers consider when determining premiums.
Teens (ages 16 to 19) are more prone to accidents because they’re inexperienced drivers. According to the Centers for Disease Control and Prevention (CDC), teen drivers are far more likely to be involved in fatal collisions than adult drivers. The higher the chances of an accident, the higher the car insurance rates.
Drivers in their 40s, 50s and 60s pay less for their car insurance premiums than teen drivers because they are more likely to follow traffic rules, according to the Insurance Information Institute (Triple-I), an industry research and outreach organization.
| 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
According to our data analysis, State Farm offers the cheapest car insurance rates for drivers in Jacksonville with speeding tickets, at an average annual cost of $2,983 or $249 per month. Travelers and GEICO also provide affordable insurance rates following a speeding ticket.
Below are the car insurance companies that offer cheap insurance premiums for Jacksonville drivers with speeding tickets.
| 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
Dealing with an at-fault accident on your record in Jacksonville can be stressful, especially when it impacts your car insurance rates. However, you can find affordable premiums by shopping around. In Jacksonville, State Farm offers the cheapest premiums for drivers with an at-fault accident.
The table below will help you find affordable car insurance rates in Jacksonville if you have an at-fault accident on your record.
| 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 February 2026.
- Insurance Information Institute. “Senior driving safety and insurance tips.” Accessed February 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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