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Matthew Gross is an editor at Compare.com. With a background in editing and SEO, he’s passionate about creating content that helps readers get the information they need to make more informed decisions. Prior to Compare.com, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe.
Matthew graduated from Illinois State University, where he earned his bachelor’s degree in Journalism.
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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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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. Erie, Nationwide, and Progressive have the cheapest rates in the city, starting at $49.
This article covers the cheapest insurers in Jacksonville for various drivers, how to pick the right company, and tips on how to save money on your car insurance.
Erie offers the cheapest car insurance in Jacksonville, at $49 per month.
Jacksonville drivers pay $61 per month for liability coverage and $88 per month for full coverage.
North Carolina requires drivers to have at least $30,000 per person and $60,000 per accident of bodily injury liability coverage, $25,000 of property damage coverage, plus uninsured/underinsured motorist coverage.
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 |
|---|---|
| Erie | $49 |
| Nationwide | $49 |
| Progressive | $57 |
| Direct Auto | $60 |
| GEICO | $61 |
| Travelers | $61 |
| National General | $62 |
| Liberty Mutual | $63 |
| Safeco | $63 |
| Dairyland | $65 |
| Allstate | $66 |
| State Farm | $79 |
Erie leads the pack with monthly liability rates starting at $49.
The following sections break down the cheapest companies for different driver profiles and coverage types.
Your personal rates can differ significantly from these averages based on factors like your age, driving record, address, and credit history. 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/Coverage Type | Cheapest Insurer | Insurer’s Average Monthly Premium |
|---|---|---|
| State-minimum coverage | Erie | $49 |
| Full coverage | Erie | $56 |
| Teens | Erie | $98 |
| Seniors | Nationwide | $38 |
| Drivers with a speeding ticket | Nationwide | $65 |
| Drivers with an at-fault accident | Erie | $66 |
| Drivers with a DWI | Erie | $75 |
| Drivers with excellent credit | Erie | $39 |
| Drivers with poor credit | Nationwide | $60 |
We’ve included detailed breakdowns for each driver and coverage type in the next few sections.
Policies in Jacksonville start as low as $49 per month.
Minimum coverage in Jacksonville costs $61 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.[1]
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.
Most drivers should consider full-coverage car insurance because it provides better financial protection for you and your vehicle. Full-coverage policies typically include comprehensive and collision insurance in addition to the state’s minimum liability requirements.
If you finance or lease your car, lenders and leasing companies usually require you to purchase full coverage. This protects their investment in your vehicle.[2]
Full-coverage auto insurance in Jacksonville averages $88 monthly. But several insurers offer full coverage for close to the average liability price in Jacksonville.
The chart below shows Jacksonville’s five most affordable insurers for full coverage, according to Compare.com 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.[3]
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 $154 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.[4]
Seniors in Jacksonville pay an average of $65 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.
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.[5]
Our research shows 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 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 $117 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.[6]
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.
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.[7]
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 $93 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.
Compare personalized quotes from Jacksonville’s top insurers.
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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:[8]
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 motorist bodily injury: $30,000 per person and $60,000 per accident for injuries caused by a driver without enough car insurance coverage
Uninsured/underinsured motorist property damage: $25,000 per accident for damage caused by a driver who doesn’t have enough car insurance
Most experts recommend buying coverage above North Carolina’s minimum limits. Minimum coverage often won’t cover 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.
Consider this scenario: If you cause an accident that results in $50,000 in medical bills for another driver, North Carolina’s minimum $30,000 per-person limit would leave you responsible for paying the remaining $20,000 out of pocket.
Here are answers to some commonly asked questions about car insurance in Jacksonville.
Drivers in Jacksonville pay a monthly average of $61 for liability coverage and $88 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 $149.
Erie offers the cheapest car insurance in Jacksonville, with rates starting at $49 per month, according to Compare.com data.
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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