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Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
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John Leach is a licensed insurance agent who reviews and fact-checks articles for Compare.com. John has several years of experience reviewing and editing various insurance topics, and he also holds a valid personal lines producer license from the California Department of Insurance (NPN #20461358).
He’s also an alumnus of the University of California, Santa Barbara, where he earned a bachelor’s degree in linguistics.
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While we make money through partnerships with some of the brands we discuss in our articles, our editorial team operates 100% independently, and these partners never influence or affect the topics, reviews, ratings, or recommendations we provide. We never guarantee favorable reviews or mentions in exchange for compensation from any brands or partners, and we uphold strict editorial standards to ensure our content is always independent, truthful, and unbiased.
Jacksonville drivers pay an average of 189 per month for car insurance, according to Compare.com data. Florida is a no-fault state with a high population density, which likely contributes to the city’s relatively high rates.
But some insurance companies offer rates well below the citywide average. For example, State Farm, GEICO, and Mile Auto offer the cheapest rates, on average. Our research found that State Farm has the cheapest average liability rate, at just $68 per month.
Let’s explore the cheapest insurers for specific drivers, how to choose the right company, and ways to save on car insurance in Jacksonville.
State Farm offers the cheapest average rate in Jacksonville, at $68 per month.
Jacksonville drivers pay an average of $147 per month for liability coverage and $231 for full coverage.
Florida requires drivers to have at least $10,000 in personal injury protection (PIP) and $10,000 in property damage liability.
Even with Jacksonville’s high average rates, you can still find ways to save on your car insurance by shopping around. In fact, we found several companies that offer rates well below the citywide average. Check out the table below to see the cheapest insurers in Jacksonville.
Company  | Average Monthly Premium |
|---|---|
| State Farm | $68 |
| GEICO | $70 |
| Mile Auto | $115 |
| Allstate | $120 |
| Travelers | $142 |
| Direct Auto | $157 |
| Mercury | $158 |
| Root | $173 |
| Progressive | $187 |
| Infinity | $199 |
| Foremost | $206 |
| GAINSCO | $228 |
| Bristol West | $236 |
| Dairyland | $242 |
| National General | $269 |
| The General | $294 |
State Farm offers the cheapest average car insurance rate, at $68 per month. But these averages might not reflect your personal rates, which depend on factors like your age, driving record, and coverage needs.
In the following sections, we’ll break down the cheapest companies by coverage and driver types.
The companies above are a good starting point for your search, but your personal car insurance rates can vary widely based on factors like your age, driving record, and address. That’s why it’s so important to compare rates from companies that have experience with drivers similar to you.
The table below shows the cheapest companies for a variety of backgrounds and coverages, according to our data.
Driver/Coverage Type | Cheapest Insurer | Insurer’s Average Monthly Premium |
|---|---|---|
| State-minimum coverage | State Farm | $68 |
| Full coverage | State Farm | $87 |
| Teens | State Farm | $121 |
| Seniors | State Farm | $52 |
| Drivers with a speeding ticket | State Farm | $81 |
| Drivers with an at-fault accident | State Farm | $86 |
| Drivers with a DUI | State Farm | $106 |
| Drivers with excellent credit | State Farm | $58 |
| Drivers with poor credit | State Farm | $94 |
Now, let’s take a deep look at each driver type in the subsections below.
Policies in Jacksonville start as low as $68 per month.
The average rate for state-minimum coverage in Jacksonville is $147 per month, according to Compare.com data.
But most experts recommend purchasing more coverage than the state requires.[1]That’s because liability coverage alone might not provide enough protection if you cause a serious accident.
But if you’re looking for basic liability insurance that meets Florida’s minimum requirements, the chart below highlights the five cheapest companies, according to our data.
Most drivers should consider full-coverage insurance for the most financial protection. It provides crucial coverage for your vehicle that liability-only policies don’t offer. Full coverage typically includes comprehensive and collision coverage in addition to the state’s minimum requirements.
It’s worth having because these coverages pay for your damages and injuries resulting from accidents, theft, vandalism, and natural disasters. Additionally, lenders and leasing companies will require you to purchase full coverage if you finance or lease your car to protect the company’s investment.[2]
The average rate for full coverage in Jacksonville is $231 per month, but several insurers offer full coverage for close to the average liability price in Jacksonville.
Take a look at the chart below, which features the five cheapest insurers in Jacksonville for full coverage, according to Compare.com data.
Teen drivers have some of the most expensive rates of any age group because they have less driving experience and are more likely to engage in risky driving behavior.
In fact, teens have crash rates nearly four times higher than drivers 20 and older due to inexperience and a higher likelihood of risk-taking behaviors, according to the Insurance Institute for Highway Safety.[3]
Nationwide, the average teen pays nearly double that of someone 20 or older, according to our data. The average rate for teens in Jacksonville is $323 per month.
Fortunately, teen drivers don’t have to pay higher rates forever. Here are five companies offering more affordable coverage for Jacksonville teens, according to Compare.com data.
Older drivers tend to have the cheapest rates of any age group. That’s because their decades of driving experience and tendency to drive fewer miles than younger age groups reduce their likelihood of fatal accidents, according to the National Highway Traffic Safety Administration.[4]
Senior drivers in Jacksonville pay an average monthly rate of $156, according to Compare.com data. And even with already low average rates, you’re likely to find a better deal with the five insurers in the chart below.
One speeding ticket might not seem like a big deal, but insurers see a ticket as a red flag. That’s because it indicates risk and potential car insurance claims in the future, which is why it can lead to premium increases.[5]
Just one speeding ticket causes average rates to increase by 28% nationwide, according to our data. On average, Jacksonville drivers with a recent ticket pay $229 per month.
But you can still find a lower rate with the right company. Here are the five cheapest insurers in Jacksonville if you have a ticket, according to Compare.com data.
Causing an accident is another factor that can cause your rates to increase. Like a speeding ticket, insurers will consider you riskier to insure because your driving habits signal that you may cost the company more money later.
A single at-fault accident causes average rates to increase by 33% nationwide, according to our data. Jacksonville drivers pay an average of $244 per month after an at-fault accident, but you may be able to find a better deal with one of the five insurers in the chart below.
If an officer catches you driving under the influence (DUI), expect your auto insurance rates to increase substantially. A DUI is one of the most serious driving offenses — our research shows average rates increase by an average of 59% nationwide after a DUI conviction.
A DUI conviction can make it difficult to find coverage. While some insurers specialize in high-risk drivers, some may refuse to cover drivers with DUIs.[6]
The average rate for drivers with a DUI conviction in Jacksonville is $282, according to Compare.com data. But you’re not necessarily stuck with sky-high rates.
We’ve analyzed dozens of insurers, and the five in the chart below offer the cheapest rates after a DUI.
Your credit history is another factor that can affect your car insurance premiums. Some insurers consider your credit when calculating your rates, so paying your bills on time and actively managing your debt matters.
Insurance companies use a credit-based insurance score to determine your likelihood of defaulting on your bill or filing claims in the future.[7] Drivers with poor credit pay around 40% more than people with excellent credit, according to our data.
In Jacksonville, drivers with poor credit pay an average of $236 per month for coverage.
Fortunately, not all companies use credit, and some actually offer affordable rates, regardless of your credit history. You may be able to find a lower rate if you have bad credit in Jacksonville with one of the five insurers in the chart below.
Compare personalized quotes from Jacksonville’s top insurers.
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Just about every state requires some car insurance, and Florida is no different. Here’s what the state requires all drivers to have to be roadworthy:
Personal injury protection: $10,000 per person
Property damage liability: $10,000 per accident
As a no-fault state, Florida doesn’t require drivers to have bodily injury liability. And even if you don’t drive your car or it’s inoperable, you still must maintain continuous coverage. You can find more information about these requirements from the Florida Highway Safety and Motor Vehicles.[8]
Florida’s car insurance minimums are pretty low compared to other states. Realistically, if you were to get into a serious accident, the state’s current limits likely won’t be enough to protect you.
For example, say you cause an accident that totals someone’s $40,000 vehicle. Your $10,000 in property damage liability wouldn’t be enough to cover the damages. You’d be on the hook for the remaining $30,000, which could be a major financial crisis if you don’t have the kind of money readily available.
That’s why many industry experts recommend purchasing higher limits than the state requires. And even lenders will require you to have a full-coverage policy if you lease or finance your car.
If you’re looking for auto insurance in Jacksonville, we’ve answered common questions drivers ask about coverage in the Sunshine State.
Jacksonville drivers pay an average of $189 per month for car insurance, according to Compare.com data. That breaks down to an average monthly rate of $147 for liability insurance and $231 for full coverage.
Yes. Car insurance is relatively expensive in Jacksonville. In fact, Florida has some of the highest car insurance rates in the U.S. The average rate in Jacksonville is $189 per month, compared to the national average of $150.
That said, your personal rate may be higher or lower, since it depends on several factors, including your address, driving history, and age.
Jacksonville drivers can find the cheapest rates from State Farm, at $68 per month, according to our data. But always shop around, as it may not be your cheapest option.
Our editorial team created this article with the help of highly trained generative AI tools. Additionally, multiple insurance experts — including at least one licensed agent — have rigorously reviewed, fact-checked, and edited every word and data point you see here.
We write, edit, and review all the content on Compare.com according to our strict editorial standards, regardless of how we created it. Learn more about our editorial process.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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