Car Insurance Car insurance in Jacksonville: Cheapest insurance and average rates Geico has the cheapest car insurance in Jacksonville at $161 per month for a full coverage insurance policy. See how car insurance in Jacksonville, FL, compares to other large U.S. cities. View Carriers Please enter valid zip Compare top carriers in your area Written by: Chris Kissell Chris Kissell Chris Kissell is a Denver-based writer and editor with work featured on U.S. News & World Report, MSN Money, Fox Business, Forbes, Yahoo Finance, Money Talks News and more. | Reviewed by: Laura Longero Laura Longero Laura Longero is a content strategist and communications leader with more than 15 years of experience in content development in journalism, marketing and communications for start-ups to global companies. She started her career as a reporter and editor and honed her journalistic skills at the USA Today Network, working in several roles, as well as managing content and writing at MoneyGeek and XYZ Media. | Updated on February 28, 2024 Why you can trust Insure.com Quality Verified At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. Car insurance in Jacksonville costs $2,692 per year for full coverage – $224 monthly. In 2024, Geico offers the cheapest car insurance policy at $161 per month. Jacksonville has the largest population of any city in Florida, and ranks 12th in the nation. It is also the biggest city by area in the contiguous U.S. If you are moving to Jacksonville — or already live there — it is important to find the right car insurance policy. Fortunately, there are ways to get cheap car insurance in Jacksonville that will provide the coverage you need. Key Takeaways Full-coverage car insurance in Jacksonville costs an average of $2,692 per year, significantly higher than the nationwide average of $1,895. The cheapest car insurance company for a full-coverage policy in Jacksonville is Geico, at $161 monthly. Car insurance rates in Jacksonville are expensive compared to other large cities across the U.S. How to find the best car insurance in Jacksonville With the right tools and a little work, you can find the best car insurance policy in Jacksonville that marries the coverage you need with a cost you can afford. Before shopping for car insurance, determine the type of policy you need, including the amount of coverage necessary to protect yourself. Make sure you get quotes from at least three companies comparing similar coverage limits and options and ask about any discounts you qualify for. It’s always best to buy as much coverage as you can afford. Cheapest car insurance company in Jacksonville Geico provides the cheapest car insurance in Jacksonville, according to 2023 data. It costs an average of $1,936 annually to purchase a full-coverage policy from the insurer. The next cheapest car insurance companies are Nationwide and State Farm. See other cheap car insurance rates in Jacksonville in the table below. Average annual rates from insurers in Jacksonville Company Average annual rates for state minimum Average annual rates for full coverageGeico$474$1,936Nationwide$800$2,008State Farm$635$2,216Travelers$714$2,457United Automobile Insurance$1,847$2,837Progressive$1,373$2,858National General Insurance$1,183$3,244Farmers$1,051$3,465Mercury Insurance$1,063$3,609Allstate$1,167$3,949 How much is car insurance in Jacksonville per month? Jacksonville residents can expect to pay an average of $224 per month in full coverage car insurance costs, or $86 per month for the state minimum coverage. Of course, some drivers pay less than this average, while others pay more. Factors determining how much you pay for car insurance include the insurance company you choose and the coverage you need. Other factors — including your age and gender, car type, and history of accidents and violations — also influence car insurance costs. Monthly rates for car insurance in Jacksonville, Florida Company Average monthly rates for state minimum Average monthly rates for full coverageGeico$40$161Nationwide$67$167State Farm$53$185Travelers$59$205United Automobile Insurance$154$236Progressive$114$238National General Insurance$99$270Farmers$88$289Mercury Insurance$89$301Allstate$97$329 How do rates in Jacksonville compare to other large cities in the U.S.? The cost of coverage in Jacksonville is more expensive than other major U.S. cities – Florida is one of the most expensive states for car insurance. Jacksonville drivers pay about the same as other Florida drivers – the statewide rate is $2,694 annually, compared with Jacksonville’s $2,692. See how much you can expect to pay for car insurance in several major U.S. cities in the table below. Full-coverage car insurance costs in major U.S. metropolitan areas CityFull-coverage costChicago$1,930Dallas$2,278Houston$2,317Los Angeles$3,149New York$2,600Philadelphia$2,782Phoenix$2,251San Antonio$2,181San Diego$2,324San Jose$2,406Las Vegas$2,594Baltimore$2,345Boston$2,103Charlotte$,1824Columbus$1,597Denver$2,337Detroit$2,987El Paso$2,112Fort Worth$2,030Indianapolis$1,627Jacksonville$2,692Memphis$2,161Nashville$1,708Oklahoma City$2,373Portland$2,033San Francisco$2,777Seattle$1,910Washington$2,157Louisville$2,359 Here’s what you need to know when driving in Jacksonville The Jacksonville, Florida, metro area has close to 1.7 million residents, and that means city residents spend their fair share of time in traffic. In 2022, drivers in Jacksonville lost an average of 24 hours in traffic, according to INRIX, which looks at traffic patterns. That places Jacksonville at No. 42 among the most-congested U.S. metro areas. If you are driving in the Jacksonville area during rush hour, you can expect to spend an extra 14.8 minutes in traffic, according to the website CoPilot. That places Jacksonville at No. 38 among all cities in the nation when it comes to losing time due to rush hour. Other things to remember when driving around Jacksonville: The standard speed limit throughout Florida is 55 mph, unless otherwise posted. The First Coast Expressway is a toll road that runs along the southwest border of Jacksonville. Florida law requires that you must turn on your headlights when operating your windshield wipers in fog or rain. The city of Jacksonville is “reluctant” to install signs along streets that warn of the presence of deaf or blind children. The city believes such signs are ineffective and might promote a “false sense of security.” How much car insurance do I need in Jacksonville? Florida law requires you to purchase a minimum amount of liability car insurance coverage. Florida doesn’t require bodily injury liability coverage, but many insurers only offer policies with minimum amounts of 10/20 of bodily injury coverage, in addition to the below requirements. Required insurance amounts are: $10,000 in property damage liability $10,000 personal injury protection However, these minimum levels of coverage will not be adequate for most drivers. Many drivers will prefer to carry much higher levels of liability coverage so they are better protected financially. Drivers also might be interested in protecting their own vehicles by purchasing comprehensive and collision coverage. If you are unsure how much coverage you need, consult an insurance agent who can help. Average cost of car insurance in Jacksonville The average cost of full-coverage car insurance in Jacksonville is $2,692 annually. That compares to a statewide average of $2,694 and a nationwide average of $1,895. Annual average rates in Jacksonville for state minimum coverage and full coverage State minimum coverage in JacksonvilleAnnual full coverage rates in Jacksonville$1,029$2,692 How much does car insurance in Jacksonville cost with violations? Moving violations on your driving record are likely to push your car insurance rates higher. “Most moving vehicle violations — and some non-moving violations — have the potential to impact your insurance rates,” says Rick Kautzer, director of personal lines product management for Dairyland Insurance. “Generally, the more points assessed to your license or the greater the penalty associated with a given violation, the more likely it is to impact your auto insurance.” Violations such as speeding tickets often cause a significant but manageable rise in rates. Other types of violations can make rates climb much higher. This is particularly true if you are convicted of a DUI. See rate increases in Jacksonville in the table below by violation. Violation typeRate increase percentageAt-fault accident57%Bad credit59%DUI62%Speeding31% Cheapest car insurance in Jacksonville by age Your age will impact how much you pay for car insurance. The youngest drivers tend to pay the highest rates. The oldest drivers also are likely to pay more. See how much you can expect to pay by age in the table below. Annual rates for state minimum and full coverage car insurance in Jacksonville, by age AgeState minimum coverageFull coverage18$2,663$6,59525$1,165$3,29140$1,029$2,69265$954$2,509 Compare auto insurance rates in Jacksonville by ZIP code Where you live also affects how much you pay for car insurance. Here are the Jacksonville area ZIP codes with the cheapest and most expensive car insurance rates. See the tables below for the cheapest and most expensive ZIP codes for car insurance in Jacksonville. Cheapest annual car insurance rates in Jacksonville, by ZIP code ZIP codeAverage annual rate32217$2,55032277$2,60032216$2,62632207$2,63332254$2,63632211$2,63632226$2,64232218$2,64532219$2,65832204$2,658 Most expensive annual car insurance rates in Jacksonville, by ZIP code ZIP codeAverage annual rate32099$2,80932234$2,77632233$2,76432227$2,75532225$2,75032224$2,74632258$2,72832256$2,72432246$2,72232221$2,718 Our recommendations: Car insurance for drivers in Jacksonville If low prices are your top focus when shopping for car insurance, Geico might be your best choice. It has the lowest average rates in our survey. However, it’s often a mistake to shop by price alone. It is crucial to make sure you have exactly the coverage you need, even if you have to pay a little more for it. Shopping around and gathering quotes from several insurance companies is the best way to get the coverage you need at the best price. A full coverage insurance policy with liability limits of 100/300/100 is the best option for most drivers. Consider increasing your liability limits as you accumulate wealth and your net worth increases. Purchasing as much car insurance as you can afford will give you peace of mind as you navigate the roads of Jacksonville. What our expert says How can you save money on car insurance? Robert PassmoreAPCIA department vice president, personal lines with the American Property Casualty Insurance Association Find out if your insurer offers a telematics policy that rewards safer driving habits with reduced premiums. Resources & Methodology Methodology In 2024, Insure.com commissioned Quadrant Information Services to pull rates for a 40-year-old who has a 12-mile commute and drives a 2023 Honda Accord LX 10k miles annually. The hypothetical driver has full coverage, carrying policy limits of 100/300/100 with $500 deductibles for comprehensive and collision coverages. We analyzed 51,088,003 insurance quotes from 167 companies across 34,588 ZIP codes in every state and Washington, D.C. Sources: City of Jacksonville. “City of Jacksonville Florida.” Accessed February 2024. City of Jacksonville. “Demographics.” Accessed February 2024. City of Jacksonville. “Traffic Signs FAQ.” Accessed February 2024. CoPilot. “Cities That Lose the Most Time in Rush Hour Traffic.” Accessed February 2024. Florida Highway Safety and Motor Vehicles. “Florida Insurance Requirements.” Accessed February 2024. Hertz. “Florida driving guide.” Accessed February 2024. INRIX. “Inrix 2022 Global Traffic Scorecard.” Accessed February 2024.INRIX. “Jacksonville, FL.” Accessed February 2024. Chris KissellContributing Researcher . .Chris Kissell is a Denver-based writer and editor with work featured on U.S. News & World Report, MSN Money, Fox Business, Forbes, Yahoo Finance, Money Talks News and more. In case you missed it Best Car Insurance Companies of 2024 Car insurance rates by state in 2024 What is full coverage car insurance? How much does car insurance cost for seniors in 2024? A complete guide to adding a teenager to your car insurance policy in 2024 What to do after a car accident that’s not your fault Total warfare: What to do when your auto insurer totals your car Car insurance claims: Who gets the claims check? Used car insurance costs: Most and least expensive models to insure The Best Car Insurance for Bad Credit of 2021 The best car insurance companies for speeding tickets Car insurance after a DUI Guide to car insurance discounts Proper insurance coverage for college-bound children How to read actually understand your auto insurance policy Car Insurance Companies New driver insurance grace period: What you need to know How much do insurance agents make Autonomous cars: 5 delightful and 5 distressing things Busted! Part 1: How insurance companies spot bogus claims Insurance options for rideshare drivers 10 things that are illegal but shouldn’t be 1/1 On this page How to find the best car insurance in JacksonvilleCheapest car insurance company in JacksonvilleHow much is car insurance in Jacksonville per month?How do rates in Jacksonville compare to other large cities in the U.S.?Here’s what you need to know when driving in JacksonvilleAverage cost of car insurance in JacksonvilleCheapest car insurance in Jacksonville by ageCompare auto insurance rates in Jacksonville by ZIP codeOur recommendations: Car insurance for drivers in JacksonvilleWhat our expert saysResources & Methodology Get instant quotes now ! Please enter valid zip Get Quotes