GEICO is the best company for cheap car insurance in Jacksonville, Florida, based on our survey of the city’s top providers. GEICO offers the cheapest rates in Jacksonville for minimum coverage, at $75 a month, and full coverage, at $120 a month.
State Farm is another good option for Jacksonville drivers who want cheap car insurance, with rates that are well below the city averages for minimum- and full-coverage policies.
In this article
Cheapest car insurance companies in Jacksonville
GEICO is the cheapest auto insurance company in Jacksonville, with the most affordable rates in the city for both minimum and full coverage.
For minimum-coverage car insurance, GEICO’s average rate is $75 a month. This is less than half the city average of $187 a month for such coverage.
| Company | Monthly rate |
|---|---|
| GEICO | $75 |
| State Farm | $128 |
| Progressive | $229 |
| Allstate | $317 |
| City average | $187 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
State Farm also offers an average rate for minimum coverage that’s cheaper than the city average at $128 a month. Although that’s higher than GEICO’s average rate, don’t shy away from getting quotes from both companies while shopping for a policy. Many factors determine what you pay for car insurance, and State Farm may be the best option for you in the end. Progressive or Allstate may be your best and cheapest option, too.
Jacksonville’s cheapest car insurance company for full coverage is GEICO, too, with an average rate of $120 a month. State Farm also provides cheap full-coverage rates to the city’s drivers at $197 a month, on average.
| Company | Monthly rate |
|---|---|
| GEICO | $120 |
| State Farm | $197 |
| Progressive | $346 |
| Allstate | $537 |
| City average | $300 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Full-coverage car insurance usually includes liability, collision and comprehensive coverages. No state law requires full-coverage car insurance, but many lenders and lessors do. Even if it’s not required, you should consider getting full coverage if your vehicle is new or expensive.
Compare rates from top car insurance companies
Cheap car insurance in Jacksonville for drivers with incidents
State Farm and GEICO have the cheapest car insurance rates for Jacksonville drivers with incidents like accidents or DUIs on their records.
This is important information to know, as drivers with accidents, DUIs and/or speeding tickets on their records pay more for car insurance than drivers with clean records do.
State Farm has the cheapest auto insurance for drivers with a DUI in Jacksonville at $214 a month, on average. GEICO follows close behind at $231 a month. Both company’s rates are below the city’s average of $388 a month.
| Company | Monthly rate |
|---|---|
| State Farm | $214 |
| GEICO | $231 |
| Progressive | $420 |
| Allstate | $686 |
| City average | $388 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
For cheap car insurance with an accident on your driving record, get a rate quote from GEICO, which charges an average of $180 a month. State Farm is another worthwhile option here, offering an average rate of $230 a month to drivers after an accident.
| Company | Monthly rate |
|---|---|
| GEICO | $180 |
| State Farm | $230 |
| Progressive | $546 |
| Allstate | $853 |
| City average | $452 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Jacksonville drivers with a speeding ticket on their records will want to put State Farm at the top of their insurance shopping lists. State Farm’s average monthly rate of $214 is the cheapest of the city’s top car insurance companies. GEICO also offers cheap car insurance to these drivers, though, at an average monthly rate of $223.
The city average in this case is $372 a month, so both State Farm and GEICO offer a tremendous savings.
| Company | Monthly rate |
|---|---|
| State Farm | $214 |
| GEICO | $223 |
| Progressive | $513 |
| Allstate | $537 |
| City average | $372 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Where to get cheap car insurance in Jacksonville for teen drivers
GEICO has the cheapest car insurance for teens in Jacksonville, offering them minimum-coverage policies at an average of $214 a month and full-coverage policies for $373 a month.
| Company | Monthly rate |
|---|---|
| GEICO | $214 |
| State Farm | $344 |
| Progressive | $590 |
| Allstate | $728 |
| City average | $469 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
State Farm also offers teens in Jacksonville cheap car insurance rates, with monthly averages of $344 for minimum coverage and $585 for full coverage.
| Company | Monthly rate |
|---|---|
| GEICO | $373 |
| State Farm | $585 |
| Progressive | $1,017 |
| Allstate | $1,670 |
| City average | $911 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
The average cost of car insurance for teen drivers in Jacksonville is $469 a month for minimum coverage and $911 a month for full coverage.
Get cheap auto insurance no matter your age
Where to get cheap car insurance in Jacksonville for senior drivers
Seniors in Jacksonville should get car insurance quotes from GEICO and State Farm if they want the cheapest rates around.
GEICO’s average rate for minimum coverage is $66 a month, while its full-coverage average is $108 a month. State Farm’s averages for minimum and full coverage are $117 a month and $181 a month.
| Company | Monthly rate |
|---|---|
| GEICO | $66 |
| State Farm | $117 |
| Progressive | $198 |
| Allstate | $284 |
| City average | $166 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
| Company | Monthly rate |
|---|---|
| GEICO | $108 |
| State Farm | $181 |
| Progressive | $316 |
| Allstate | $500 |
| City average | $276 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
While teen drivers tend to pay higher rates for car insurance than drivers who are older and more experienced than they are, the opposite is true of seniors. Senior drivers usually pay lower rates for car insurance because of their experience behind the wheel. This is only true to a point, though. Later in life, seniors pay a lot for car insurance, too.
Jacksonville car insurance requirements
Florida law requires Jacksonville drivers to have at least $10,000 in personal injury protection (PIP) coverage and at least $10,000 in property damage liability (PDL) coverage.
Although these are the state’s only car insurance requirements, you should consider buying more – especially if you drive a newer or expensive vehicle.
In particular, collision car insurance coverage will help you if your vehicle is damaged in an accident. Comprehensive car insurance coverage will help you if something out of your control damages or destroys your vehicle. A few examples: natural disasters, falling objects and animals.
Frequently asked questions
How much is car insurance in Jacksonville?
The average cost of car insurance in Jacksonville is $187 a month if all you want is minimum coverage. Full-coverage car insurance costs $300 a month, on average, for Jacksonville drivers.
These average rates are for drivers with clean records. If you have an incident such as an accident or DUI on your record, you will pay a higher rate for car insurance – sometimes much higher.
Who has the cheapest car insurance in Jacksonville?
GEICO has the cheapest car insurance in Jacksonville for most drivers. The company offers the cheapest rates for our standard, 35-year-old driver who has a clean record, as well as for teens (18-year-olds) and seniors (60-year-olds). GEICO also is the cheapest car insurance company for Jacksonville drivers with an accident on their records.
State Farm has the cheapest car insurance for drivers with DUIs or speeding tickets on their records, according to our research.
Methodology
We obtained non-binding quotes from Quadrant Information Services for a typical driver in every Jacksonville ZIP code to find the cheapest car insurance companies and rates. Unless otherwise noted, the driver is a 35-year-old male with a clean driving record. He owns a 2012 Honda Accord LX and drives an average 13,500 miles a year.
The teen driver in this article is 18 years old but otherwise fits the same profile as the 35-year-old driver above. The same is true of our senior driver, who is 60.
Minimum-coverage car insurance rates highlighted on this page are based on a policy that meets Florida’s minimum liability requirements. Full-coverage rates are based on a policy with the following limits and deductibles:
- $100,000 bodily injury liability coverage per person
- $300,000 bodily injury liability coverage per accident
- $100,000 property damage liability coverage
- $500 deductibles for both collision and comprehensive coverage
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