Compare Jacksonville, FL Car Insurance Rates (2021)

Car insurance in Jacksonville, FL averages $373 a month. Jacksonville, Florida car insurance requirements are 10/20/10, but you might need full coverage insurance if your car is financed. To find cheap Jacksonville car insurance rates, compare quotes from the top car insurance companies in Jacksonville, FL.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • The cheapest ZIP code in Jacksonville is 32223
  • The cheapest car insurance company in Jacksonville is USAA
  • Average car insurance rates in Jacksonville, FL after a DUI are $5,346/year

If you need to buy Jacksonville, Florida car insurance, the options can be confusing. Everything you need to know about car insurance in Jacksonville, FL is right here.

You’ll find Jacksonville car insurance rates, the cheapest Jacksonville, FL car insurance companies, and information on Florida car insurance laws. You can also compare Jacksonville, Florida car insurance rates to Jacksonville car insurance rates, Hialeah car insurance rates, and Fort Lauderdale car insurance rates.

Ready to find affordable Jacksonville, FL car insurance today? Enter your ZIP code for fast, free Jacksonville car insurance quotes.

Cheapest Jacksonville, FL Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Jacksonville, FL car insurance rates? Every Jacksonville, Florida car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Jacksonville, Florida

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $4,329 $4,154 $3,769 $3,840 $15,135 $16,471 $4,360 $4,437
GEICO $2,746 $2,762 $2,568 $2,568 $4,938 $6,268 $3,033 $3,099
Liberty Mutual $3,384 $3,384 $3,099 $3,099 $7,177 $11,066 $3,384 $4,594
Nationwide $2,853 $2,822 $2,540 $2,633 $6,942 $8,596 $3,150 $3,292
Progressive $3,651 $3,453 $3,142 $3,359 $10,448 $11,427 $4,422 $4,250
State Farm $2,148 $2,148 $1,946 $1,946 $6,353 $8,143 $2,387 $2,569
USAA $1,616 $1,589 $1,506 $1,496 $5,531 $6,442 $2,024 $2,189

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Minimum Car Insurance in Jacksonville, FL

Every driver must carry the minimum car insurance in Jacksonville, FL. Take a look at the Florida car insurance requirements.

Minimum Required Car Insurance Coverage in Jacksonville, Florida

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $10,000 per person
$20,000 per accident
Property Damage Liability Coverage $10,000 minimum

Cheapest Jacksonville, FL Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Jacksonville, FL. Compare credit history car insurance rates in Jacksonville from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Jacksonville, Florida

Insurance Company Poor Fair Good
Allstate $9,835 $6,257 $5,094
GEICO $5,084 $3,086 $2,324
Liberty Mutual $6,316 $4,630 $3,749
Nationwide $5,128 $3,768 $3,413
Progressive $7,168 $5,114 $4,274
State Farm $4,730 $3,097 $2,538
USAA $4,552 $2,227 $1,619

Cheapest Jacksonville, FL Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Jacksonville, FL to rates for a clean record with top companies.

Annual Jacksonville, Florida Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $6,082 $7,281 $8,122 $6,762
GEICO $2,448 $3,119 $4,623 $3,802
Liberty Mutual $3,553 $4,594 $6,622 $4,824
Nationwide $3,504 $3,842 $5,176 $3,892
Progressive $4,347 $6,455 $5,423 $5,851
State Farm $3,157 $3,752 $3,455 $3,455
USAA $2,192 $2,705 $4,002 $2,298

Cheapest Jacksonville, FL Car Insurance for Teen Drivers

Teen car insurance in Jacksonville, FL can be expensive. Take a look at rates from the top car insurance companies in Jacksonville for teenagers.

Annual Car Insurance Rates for Teen Drivers in Jacksonville, Florida

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $15,135 $16,471
GEICO $4,938 $6,268
Liberty Mutual $7,177 $11,066
Nationwide $6,942 $8,596
Progressive $10,448 $11,427
State Farm $6,353 $8,143
USAA $5,531 $6,442

Cheapest Jacksonville, FL Car Insurance for Seniors

Take a look at Jacksonville, FL senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Jacksonville, Florida

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,769 $3,840
GEICO $2,568 $2,568
Liberty Mutual $3,099 $3,099
Nationwide $2,540 $2,633
Progressive $3,142 $3,359
State Farm $1,946 $1,946
USAA $1,506 $1,496

Cheapest Jacksonville, FL Car Insurance Rates After a DUI

A DUI in Jacksonville, FL increases car insurance rates. Compare Jacksonville, Florida DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Jacksonville, Florida

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $8,122
GEICO $4,623
Liberty Mutual $6,622
Nationwide $5,176
Progressive $5,423
State Farm $3,455
USAA $4,002

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Cheapest Jacksonville, FL Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Jacksonville, FL by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Jacksonville, Florida

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $6,858 $7,266
GEICO $3,480 $3,516
Liberty Mutual $4,739 $5,057
Nationwide $4,103 $4,103
Progressive $5,519 $5,519
State Farm $3,337 $3,573
USAA $2,767 $2,831

Cheapest Jacksonville, FL Car Insurance Rates by ZIP Code

Jacksonville car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Jacksonville, FL.

Annual Car Insurance Rates by ZIP Code in Jacksonville, Florida

ZIP Code Average Annual Rates
32099 $3,466
32202 $3,500
32204 $3,506
32205 $3,615
32206 $3,507
32207 $3,595
32208 $3,575
32209 $3,507
32210 $3,590
32211 $3,584
32212 $3,462
32216 $3,407
32217 $3,417
32218 $3,503
32219 $3,503
32220 $3,466
32221 $3,466
32222 $3,466
32223 $3,333
32224 $3,333
32225 $3,359
32226 $3,410
32227 $3,333
32233 $3,333
32234 $3,342
32244 $3,511
32246 $3,359
32250 $3,333
32254 $3,507
32256 $3,333
32257 $3,417
32258 $3,333
32277 $3,472

The Best Cheap Car Insurance Companies in Jacksonville, FL

Take a look at a side-by-side comparison of the top car insurance companies in Jacksonville, FL to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Jacksonville, Florida

Insurance Company Average Annual Rates
Allstate $7,062
GEICO $3,498
Liberty Mutual $4,898
Nationwide $4,103
Progressive $5,519
State Farm $3,455
USAA $2,799

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Category Winners: Cheapest Car Insurance in Jacksonville, Florida

Find the cheapest car insurance companies in Jacksonville, FL for each category right here.

Best Annual Car Insurance Rates by Company in Jacksonville, Florida

Category Insurance Company
Teenagers GEICO
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI State Farm
With 1 Speeding Violation USAA

Cheapest Jacksonville, FL Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Jacksonville car insurance rates. Find the cheapest Jacksonville, FL car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Jacksonville, Florida

Insurance Company Low Medium High
Allstate $5,563 $7,402 $8,221
GEICO $2,931 $3,613 $3,950
Liberty Mutual $4,471 $4,982 $5,242
Nationwide $3,287 $4,257 $4,766
Progressive $4,629 $5,647 $6,280
State Farm $2,940 $3,541 $3,883
USAA $2,427 $2,896 $3,074

What affects car insurance rates in Jacksonville, Florida?

What factors can have an impact on Jacksonville, FL car insurance? There are several reasons why Jacksonville car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Jacksonville, Florida.

Car Theft in Jacksonville

High levels of vehicle theft can make car insurance more expensive. Jacksonville, FL car theft statistics from the FBI indicate 2,941 vehicle thefts a year.

Commute Time in Jacksonville

The more time you spend in your car the higher the risk of an accident. The average commute length in Jacksonville, FL is 23.9 minutes according to City-Data.

Traffic in Jacksonville

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Jacksonville, FL traffic data from INRIX ranks Jacksonville as the 295th-most congested in the world.

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Compare Car Insurance Quotes in Jacksonville, FL

Ready to find affordable Jacksonville, Florida car insurance today? Enter your ZIP code for fast, free Jacksonville, FL car insurance quotes.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

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