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Get Cheap Car Insurance in Jacksonville, FL
We monitor insurance prices, helping the average driver in the Jacksonville area save up to 34.6% on car insurance.
The Cheapest Minimum Coverage in Jacksonville
The chart below shows the cheapest car insurance company in Jacksonville for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through Geico, followed by State Farm, Gainsco, and Bristol West.
| Jacksonville Insurer | Monthly Cost |
|---|---|
| Geico | $122 |
| State Farm | $129 |
| Gainsco | $169 |
| Bristol West | $169 |
Savings for Every Kind of Jacksonville Driver
Based on our extensive insurance data, we know the average Jacksonville driver will save about 29% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $748 per year by choosing the right vehicle insurance company. Some Jacksonville residents are paying out over $2,556 extra every year for auto insurance in Jacksonville. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Jacksonville, FL Savings / Yr. |
|---|---|
$748 |
|
$1,098 |
|
$844 |
|
$836 |
|
$2,655 |
|
$725 |
|
$1,057 |
Jacksonville Car Insurance vs. Florida
People living in Jacksonville pay an average of 3.27% less than the typical driver in the state. The average driver in Jacksonville can expect to pay about $2,333 per year, or $2,556 for full coverage.
Based on our analysis, Geico will be the cheapest provider in Jacksonville for most people.
Car Insurance Prices by Jacksonville Neighborhood
Insurance Prices
Where is insurance cheapest within Jacksonville?
The map shows insurance prices in and around Jacksonville, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $1,054 per year within the city boundaries, with insurance premiums ranging from a high of $3,335 to a low of $2,281. Insurance prices tend to be higher for those living in the North area, and lower for those with homes in the Southeast parts of Jacksonville.Pick the Best Car Insurance Company for You in Jacksonville
The best car insurance provider for most drivers in Jacksonville
For drivers with clean driving records and no major strikes, Geico is the best option, with annual savings of $748 over the average Jacksonville car insurance company.
The best car insurance provider for Jacksonville drivers with accidents on their records
In our analysis, Geico saved the average person who had been in an accident the most, with annual savings averaging $1,098 over the competition.
The best car insurance company for Jacksonville drivers with speeding tickets
>State Farm gave the average person with a speeding ticket the most savings, averaging $844 better than other car insurance companies.
The best auto insurance for Jacksonville drivers with a DUI conviction
Getting a quote from Geico may cost the average person with a DUI about $836 less each year.
The least expensive car insurance company for new and young drivers in Jacksonville
In Jacksonville, Geico costs young drivers $2,655 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Jacksonville
Geico gave the largest car insurance discounts to married couples, averaging $725 saved each year compared to an average Jacksonville couple's premiums.
The cheapest car insurance in Jacksonville for drivers with bad credit
The best Jacksonville car insurance company for customer service
Allstate was the best company for customer service in Jacksonville according to the NAIC.
Recent price drops
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The cheapest large national provider in Jacksonville
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Jacksonville driver can expect to pay about $156 per month.
What About USAA?
JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Jacksonville, USAA has the best prices for good drivers, drivers with accidents, and drivers with speeding tickets.Auto Insurance Prices in and Around Jacksonville
What Influences the Cost of Car Insurance in Jacksonville?
On average, car insurance in Jacksonville is actually less expensive than the rest of the state. These low prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the city are influenced by the following factors:
- The average commute time in the Jacksonville area is 33 minutes, which is about the national average for a driver in the state.
- Florida state insurance regulations may require higher prices.
- An average of 0 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in the Jacksonville area are about average in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are low, with a Vehicle Theft Crime Grade of A- according to CrimeGrade.org.
- Jacksonville is one of the most densely populated areas in the state. The city’s density could result in a price increase for drivers.
As a result of these and other factors, the average cost of car insurance in Jacksonville is $194 per month for minimum coverage and $213 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.
Car Insurance in Nearby Cities
- Bellair-Meadowbrook Terrace: Insurance costs 2.74% more
- Orange Park: Insurance costs 0.39% less
- Lakeside: Insurance costs 1.29% less
- Fruit Cove: Insurance costs 2.50% less
- Jacksonville Beach: Insurance costs 2.19% less
- Neptune Beach: Insurance costs 2.27% less
- Atlantic Beach: Insurance costs 0.31% less
- Oakleaf Plantation: Insurance costs 2.70% less
- Palm Valley: Insurance costs 5.13% less
- Ponte Vedra: Insurance costs 7.00% less
Cities with Similar Populations
- Santa Rosa: Insurance costs 22.73% less
- Santa Cruz: Insurance costs 23.75% less
- San Bernardino: Insurance costs 10.02% less
- Sandy: Insurance costs 42.57% less
- Seattle: Insurance costs 36.54% less
- Santa Fe: Insurance costs 39.20% less
- Sandy Springs: Insurance costs 22.50% less
- San Diego: Insurance costs 21.79% less
- Santa Maria: Insurance costs 20.03% less
- Scranton: Insurance costs 43.78% less