Key Takeaways
- GEICO is the cheapest car insurance company in Jacksonville, charging $26 a month for minimum coverage and $131 a month for full coverage, on average.
- Statewide, Florida drivers pay an average of $246 a month for full-coverage car insurance, but in Jacksonville, the average is $276 — or $30 more.
- State Farm is the cheapest company for drivers with an incident, including a DUI, a speeding ticket or an at-fault accident.
In this article
The cheapest car insurance companies in Jacksonville, FL
Most drivers in Jacksonville will find the cheapest car insurance rates at GEICO. The provider tops our survey for:
- Full and minimum coverage
- Drivers with bad credit
- Senior drivers
- Young drivers
To find out if GEICO or another insurer is the cheapest for you, compare car insurance quotes from several companies today.
Florida car insurance state minimums
All Florida drivers are required to carry an insurance policy that meets the state-mandated minimums for personal injury protection (PIP) and property damage liability (PDL).
| Coverage type | State requirements |
|---|---|
| Personal injury protection | $10,000 |
| Property damage liability | $10,000 |
Cheapest minimum-coverage auto insurance rates in Jacksonville: GEICO
GEICO has the cheapest minimum-coverage car insurance in Jacksonville, with an average monthly rate of just $26.
Jacksonville’s average minimum-coverage car insurance rate is $103 a month, so GEICO offers a discount of nearly 75%.
| Insurance company | Monthly rate |
|---|---|
| GEICO | $26 |
| State Farm | $61 |
| Travelers | $77 |
| Progressive | $120 |
| USAA* | $125 |
| Allstate | $211 |
| Rates are for minimum-coverage car insurance for a 35-year-old male with a good driving record. *Only available to current/former military and their families. | |
Find out how much you could save on car insurance
Cheapest full-coverage auto insurance rates in Jacksonville: GEICO
GEICO has the most affordable rates for full-coverage car insurance, too, charging an average $131 a month.
For full-coverage car insurance, the citywide average rate is $276 a month, meaning GEICO’s rates are over 50% cheaper.
A full-coverage car insurance policy usually includes collision and comprehensive coverages in addition to the state-required amounts of liability coverage. No state requires full coverage, but some lenders or lessors do.
| Insurance company | Monthly rate |
|---|---|
| GEICO | $131 |
| State Farm | $160 |
| Travelers | $205 |
| USAA* | $293 |
| Progressive | $293 |
| Allstate | $572 |
| Rates are for full-coverage car insurance for a 35-year-old male with a good driving record. *Only available to current/former military and their families. | |
Cheapest car insurance in Jacksonville for drivers with bad credit: GEICO
GEICO also leads the way for drivers with bad credit, thanks to an average monthly premium of $239.
In Jacksonville, the average full-coverage auto insurance policy for a driver with bad credit costs $479 a month. This is a stark increase from the rate for those with good credit, which is commonplace in many cities.
| Insurance company | Monthly rate |
|---|---|
| GEICO | $239 |
| USAA* | $293 |
| State Farm | $335 |
| Travelers | $435 |
| Progressive | $447 |
| Allstate | $1,124 |
| Rates are for full-coverage car insurance for a 35-year-old male with poor credit and a good driving record. *Only available to current/former military and their families. | |
Cheapest car insurance for drivers with a prior incident
State Farm is the cheapest car insurance company for drivers with a prior incident, including a speeding ticket, an at-fault accident or a DUI.
Cheapest for drivers with a speeding ticket: State Farm
State Farm has the lowest car insurance rates for drivers with a speeding ticket, charging $171 a month, on average.
In Jacksonville, the average cost of car insurance for drivers with a ticket on their records is $324 a month. That’s a 17% increase from what drivers with clean records pay.
| Insurance company | Monthly rate |
|---|---|
| State Farm | $171 |
| GEICO | $229 |
| Travelers | $258 |
| USAA* | $293 |
| Progressive | $424 |
| Allstate | $572 |
| Rates are for full-coverage car insurance for a 35-year-old male with one speeding ticket on his driving record. *Only available to current/former military and their families. | |
Cheapest for drivers with an at-fault accident: State Farm
Drivers with an accident should head to State Farm for cheap car insurance, as that’s where they’ll find a city-leading rate of $183 a month.
That amount is less than half the average cost for drivers with an accident, which is $417 a month in Jacksonville.
| Insurance company | Monthly rate |
|---|---|
| State Farm | $183 |
| GEICO | $188 |
| Travelers | $274 |
| USAA* | $379 |
| Progressive | $449 |
| Allstate | $1,026 |
| Rates are for full-coverage car insurance for a 35-year-old male with one at-fault accident on his driving record. *Only available to current/former military and their families. | |
Cheapest for drivers with a DUI: State Farm
For cheap car insurance with a DUI on your record, get a quote from State Farm. It charges an average premium of $171 a month for full-coverage policies.
Citywide, the average monthly rate for drivers with a DUI is $385. That’s nearly 40% more than the average rate for drivers with a clean record.
| Insurance company | Monthly rate |
|---|---|
| State Farm | $171 |
| GEICO | $236 |
| Travelers | $313 |
| Progressive | $354 |
| USAA* | $501 |
| Allstate | $734 |
| Rates are for full-coverage car insurance for a 35-year-old male with one DUI on his driving record. *Only available to current/former military and their families. | |
Cheapest car insurance for senior drivers: GEICO
GEICO has the most affordable auto insurance for senior drivers in Jacksonville, with an average monthly rate of $117.
In many cities, senior drivers pay less for car insurance than younger drivers do, as they’re seen as experienced and safe drivers. This is the case in Jacksonville, where the average rate for a senior is $248 — compared to an average of $276 for a 35-year-old.
| Insurance company | Monthly rate |
|---|---|
| GEICO | $117 |
| State Farm | $146 |
| Travelers | $174 |
| USAA* | $256 |
| Progressive | $261 |
| Allstate | $533 |
| Rates are for full-coverage car insurance for a 65-year-old male with a clean driving record. *Only available to current/former military and their families. | |
Get cheap car insurance in Florida no matter your age
Cheapest car insurance for young drivers: GEICO
GEICO leads the way with Jacksonville’s cheapest car insurance for young drivers, offering an average minimum-coverage rate of $64 a month. For full coverage, the company offers rates averaging $366 a month.
| Insurance company | Minimum coverage | Full coverage |
|---|---|---|
| GEICO | $64 | $366 |
| State Farm | $118 | $411 |
| Travelers | $149 | $552 |
| Progressive | $230 | $752 |
| USAA* | $265 | $650 |
| Allstate | $404 | $1,897 |
| Rates are for an 18-year-old male with a clean driving record. *Only available to current/former military and their families. | ||
Cheapest car insurance for married drivers: GEICO
Married drivers should head to GEICO for cheap auto insurance, as that’s where they’ll find a city-leading rate of $138 a month for full coverage.
Often, married drivers enjoy slightly lower auto insurance rates than their single counterparts. That’s true in Jacksonville, where the average married driver pays $268 for full coverage — slightly below the average of $276 for singles.
| Insurance company | Monthly rate |
|---|---|
| GEICO | $138 |
| State Farm | $160 |
| Travelers | $205 |
| Progressive | $242 |
| USAA* | $264 |
| Allstate | $600 |
| Rates are for full-coverage car insurance for a married 35-year-old male with a good driving record. *Only available to current/former military and their families. | |
Car insurance laws in Florida
No-fault car insurance
Florida is a no-fault car insurance state, meaning all drivers in an accident must make an insurance claim, regardless of who was responsible. This is why Florida drivers are required to carry personal injury protection (PIP).
Financial Responsibility Insurance Certificate (SR-22)
As in most states, Florida only requires an SR-22 form for drivers who have committed a major driving offense and are returning from a license suspension. This form verifies that a driver’s insurance meets the state-required minimums.
Jacksonville car insurance: FAQs
GEICO has the cheapest car insurance rates in Jacksonville, charging $26 a month for minimum coverage and $131 a month for full coverage.
On average, Jacksonville drivers pay $103 a month for minimum coverage and $276 a month for full coverage.
State Farm has the cheapest car insurance rates for Jacksonville drivers with a DUI, offering a monthly rate of $171 for full-coverage policies.
Methodology
The rates shown in this article are based on an analysis of more than 300,000 auto insurance quotes obtained from Quadrant Information Services for sample drivers from across Jacksonville, Florida.
Unless otherwise noted, our sample driver is a single 35-year-old with good credit. All sample drivers own a 2012 Honda Accord LX that they drive for an average of 13,500 miles per year.
Our senior base driver is a 65-year-old male with a good driving record. Our young base driver is an 18-year-old male with a good driving record.
Minimum-coverage rates reflect the cost of policies meeting the minimum liability limits required by the state.
Full-coverage policies include the following coverages, limits and deductibles:
- Bodily injury liability: $100,000 limit per person/$300,000 limit per accident
- Property damage liability: $100,000 limit
- Collision: $500 deductible
- Comprehensive: $500 deductible
Sources:
Auto insurance by city
- Jacksonville
- Miami
- Orlando
- Tampa
- St Petersburg
- Fort Myers
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