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Becky Helzer is an insurance and personal finance editor who has worked with Compare.com since 2025. A seasoned editor, Becky has experience working with content across several industries, including P&C insurance, home finance, technology, and home improvement. She has a passion for breaking down complex topics into clear, easy-to-understand copy.
Becky earned a bachelor’s degree in technical journalism from Colorado State University.
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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.
Car insurance in Jacksonville costs an average of $74 per month. North Carolina tends to have affordable car insurance thanks to the state’s rural population and low traffic volume.
Even with Jacksonville’s relatively affordable prices, many companies offer rates well below the citywide average. Direct Auto, Erie, and Liberty Mutual have the cheapest rates in the city, starting at $62 per month.
This article covers the cheapest insurers in Jacksonville for various drivers, how to pick the right coverage for your insurance needs, and tips on how to save money on your car insurance.[1]
Direct Auto offers the cheapest car insurance in Jacksonville, at $62 per month.
Jacksonville drivers pay an average of $65 per month for liability coverage and $83 per month for full coverage.
State Farm, USAA, and GEICO are a few of our top picks for Jacksonville car insurance.
While Jacksonville has plenty of quality insurance companies to choose from, there’s no single “best” insurer for everyone. We chose the following companies for auto insurance coverage based on average rates in Jacksonville, coverages offered, available discounts, and customer ratings and reviews.
| User Reviews | 3.9 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.7 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $104/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $157/mo |
Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.
Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.
State Farm is the largest auto insurance company in the U.S. by market share. It also has some of the lowest average rates. A handful of agents work in Jacksonville to help with policy management.
In addition, State Farm receives high marks from J.D. Power for customer satisfaction.
Several local insurance agents
Budget-friendly Personal Price Plan
Above-average customer satisfaction rating
Fewer coverage options than competitors
Better Business Bureau (BBB) receives many complaints
No accident forgiveness
| User Reviews | 4.3 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.5 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $53/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $98/mo |
Customers appreciate the prompt customer service and claims handling but are frustrated by the significant and frequent price increases.
Customers appreciate the prompt customer service and claims handling but are frustrated by the significant and frequent price increases.
USAA stands out for having some of the lowest insurance rates in the industry. But you have to be in the military or have military ties to qualify for coverage.
Along with its A++ (Superior) rating from AM Best, USAA also gets top marks from J.D. Power for customer satisfaction.
Low rates for military members
Top-rated customer service
Superior financial strength rating
Only for military members, veterans, and their families
More complaints than average
Limited in-person support
| User Reviews | 4.0 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.6 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $73/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $110/mo |
Drivers appreciate the easy communication and good customer service, but many are unhappy with the regular and significant price increases.
Drivers appreciate the easy communication and good customer service, but many are unhappy with the regular and significant price increases.
GEICO is a well-known name in the insurance industry. Although its rates in North Carolina tend to be slightly higher than average, the company has some great perks that may offset the higher rates.
Along with 23 available auto insurance discounts, GEICO receives an above-average score from J.D. Power for customer satisfaction. It also has an A++ (Superior) financial strength rating from AM Best.
Many available discounts
Above-average customer satisfaction
Superior financial strength rating
Premiums are on the higher side
No gap coverage
No vanishing deductibles
Even with Jacksonville’s low rates, several companies offer prices below the citywide average. Finding the right insurer can save you hundreds of dollars annually.
The table below shows the cheapest insurers in Jacksonville, based on Compare.com data.
Company  | Average Monthly Premium |
|---|---|
| Direct Auto | $62 |
| Erie | $62 |
| Liberty Mutual | $62 |
| National General | $62 |
| Nationwide | $62 |
| Progressive | $62 |
| Safeco | $65 |
| Dairyland | $69 |
| GEICO | $70 |
| Travelers | $78 |
| Allstate | $84 |
| State Farm | $100 |
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North Carolina, like nearly every state, requires all drivers to have car insurance. The state mandates specific minimum coverage amounts to ensure drivers can pay for damages they may cause.
North Carolina’s auto insurance requirements include:[2]
Bodily injury liability: $30,000 per person and $60,000 per accident for injuries you cause to others
Property damage liability: $25,000 per accident for damage you do to other people’s property
Uninsured/underinsured (UM/UIM) motorist bodily injury: $30,000 per person and $60,000 per accident for injuries caused by a driver without enough car insurance coverage
UM/UIM motorist property damage: $25,000 per accident for damage caused by a driver who doesn’t have enough car insurance
Full-coverage insurance protects your car against theft, collisions, and non-collision damage. Unlike liability insurance, which North Carolina law requires, full coverage is optional (unless you have a loan or lease on your car).
Without full coverage, you’d have to pay out of pocket to repair or replace your car if you’re at fault in an accident. But if your car isn’t worth much and you can afford to replace it yourself, full coverage may not be necessary.
North Carolina law requires you to have liability insurance and underinsured motorist coverage. But to protect you and your vehicle, consider the following optional coverages:[3]
Comprehensive covers non-collision damage, such as hail, theft, vandalism, glass breakage, flood damage, or striking an animal.
Collision pays to repair your vehicle if it hits another vehicle or object.
Medical payments covers medical or funeral expenses for you and your passengers due to a car accident.
Roadside assistance covers towing, jump-starts, fuel delivery, and lockouts.
Your personal rates can differ significantly from these averages based on factors like your age, driving record, address, and credit history.[4]Comparing rates for drivers with a similar profile can help you find the best deal for your situation.
The data below highlights the cheapest companies for various driver backgrounds and coverages, according to Compare.com research.
Driver or Coverage Type | Cheapest Insurer | Insurer’s Average Monthly Premium |
|---|---|---|
| State-minimum coverage | Direct Auto | $62 |
| Full coverage | Progressive | $79 |
| Teens | Liberty Mutual | $114 |
| Seniors | Nationwide | $49 |
| Drivers with a speeding ticket | National General | $82 |
| Drivers with an at-fault accident | Erie | $86 |
| Drivers with a DWI | Erie | $111 |
| Drivers with excellent credit | Erie | $49 |
| Drivers with poor credit | Liberty Mutual | $74 |
We’ve included detailed breakdowns for each driver and coverage type in the next few sections.
Policies in Jacksonville start as low as $62 per month.
Minimum coverage in Jacksonville costs $65 per month on average, according to Compare.com data. But most experts recommend purchasing more coverage than the state requires, since minimum limits often won’t cover the full cost of a serious accident.[5]
If you need basic coverage that meets North Carolina’s minimum requirements, the chart below highlights the five most affordable companies in Jacksonville, according to Compare.com research.
Full coverage, or comprehensive and collision, protects your car if you hit another car or object. It also covers theft, vandalism, and damage caused by non-collision events, such as hail, fire, windstorms, or flooding, offering peace of mind.
If you finance or lease your car, your lender or the leasing company will likely require you to have full coverage for the life of the loan or lease.[6]
In Jacksonville, a full-coverage policy averages $83 per month.
The data below highlights the companies with the cheapest full-coverage rates, on average, according to Compare.com research.
Rates in Jacksonville start at $62 per month.
Getting a ticket causes your rates to increase the next time your policy renews. Insurance companies view traffic violations as indicators that you’re more likely to file a claim in the future.[7]
Our research shows that even a single speeding ticket causes average rates to increase by 28% nationwide.
People with a recent ticket in Jacksonville pay a monthly average of $105$105 for auto insurance, according to Compare.com data. But several insurers offer competitive rates for drivers with a recent traffic violation.
The following chart shows the five cheapest insurers in Jacksonville for people with a recent ticket, according to our data.
Causing an accident leads to substantially higher car insurance rates. Accidents signal to insurers that you’re more likely to file a claim in the future. At-fault accidents have a bigger impact on your premiums than most other violations.
Our research shows that a single at-fault accident causes average rates to increase by 33% nationwide.
People with a recent accident in Jacksonville pay an average of $110 per month for car insurance, according to Compare.com data. But you can often find a better deal with one of the five insurers in the chart below.
Here are Jacksonville’s five cheapest insurers for drivers with a recent at-fault accident, according to Compare.com data.
A driving while impaired (DWI) conviction causes the sharpest increase in car insurance rates of any incident. Our research shows average rates increase by 59% nationwide after a DWI or DUI conviction.
People with a DWI conviction in Jacksonville pay an average of $158 per month for car insurance, according to Compare.com data.
Getting a DWI makes it challenging to find coverage at all. Many insurance companies won’t insure drivers with recent DWI convictions.[8]
But you’re not necessarily stuck with sky-high rates if you know where to look. Some insurers specialize in high-risk drivers, including people with DWIs.
The table below shows the five cheapest insurers in Jacksonville for people with DWIs, according to our data.
Teens pay some of the highest auto insurance rates of any age group. Insurance companies charge young drivers more because they lack experience and statistically cause more accidents than older drivers.[9]
Nationwide, the average teen pays nearly double what someone aged 20 or older pays, according to our data.
Teens in Jacksonville pay a monthly average of $146 for car insurance. But you can still find good deals for teen drivers with the right company.
The following chart shows the five cheapest insurers in Jacksonville for teen drivers, based on Compare.com data.
Seniors typically enjoy the cheapest car insurance rates of any age group. Insurance companies offer lower rates to older drivers because they tend to drive less frequently and more cautiously than younger motorists.[10]
Seniors in Jacksonville pay an average of $66 per month for car insurance, according to Compare.com data. But even with these already low average rates, you can likely find a better deal from one of the companies below.
This chart highlights the five cheapest insurers in Jacksonville for senior drivers, based on Compare.com data.
Some insurance companies examine your credit history when calculating your rates. They use a credit-based insurance score to determine your likelihood of defaulting on your bill or filing future claims.[11]
Our research shows drivers with poor credit pay 40% more than people with excellent credit.
Drivers with poor credit in Jacksonville pay a monthly average of $92 for car insurance, according to Compare.com data. But not all companies use credit in their pricing, and some offer affordable rates regardless of your credit history.
Here are the five cheapest insurers in Jacksonville for drivers with bad credit, according to our research.
Local rates start as low as $62 per month.
Here are answers to some commonly asked auto insurance questions in Jacksonville.
Drivers in Jacksonville pay a monthly average of $65 for liability coverage and $83 for full coverage, according to Compare.com data.
It depends. How much you pay for car insurance depends on several factors, including your address, driving history, and age. Jacksonville drivers pay an average of $74 per month for car insurance, according to Compare.com data. That’s compared to the national monthly average of $137.
Direct Auto offers the cheapest car insurance in Jacksonville, with rates starting at $62 per month, according to Compare.com data.
There’s no single “best” insurance company in Jacksonville. But State Farm, USAA, and GEICO are among our top choices based on affordable rates and overall customer satisfaction.
Most experts recommend buying coverage above North Carolina’s minimum limits. Minimum coverage often won’t pay for the full cost of a serious accident, leaving you responsible for the difference. Lenders typically require you to buy comprehensive and collision coverage if you finance or lease your car.
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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