Jacksonville, FL Auto Insurance (2024)
The average Jacksonville, FL auto insurance rates are $373 per month. The minimum auto insurance in Jacksonville is at least 10/20/10 in coverage to comply with Florida auto insurance laws. To find the best cheap auto insurance in Jacksonville, Florida, compare quotes from multiple companies.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
UPDATED: Jun 25, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Jun 25, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- The cheapest auto insurance company in Jacksonville is USAA
- Average auto insurance rates in Jacksonville, FL for senior drivers are $2,679 per year
- The average commute length in Jacksonville is 23.9 minutes
Jacksonville, Florida auto insurance requirements are 10/20/10 according to Florida auto insurance laws. Finding cheap auto insurance in Jacksonville can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Jacksonville, Florida, including driving record, credit, commute time, and more.
Compare auto insurance in Jacksonville to other Florida cities, including Orlando auto insurance rates, St. Petersburg auto insurance rates, and Cape Coral auto insurance rates to see how Jacksonville, Florida auto insurance rates stack up.
Before you buy Jacksonville, Florida auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Jacksonville, Florida auto insurance quotes.
Minimum Auto Insurance in Jacksonville, Florida
Jacksonville, Florida auto insurance laws require that you have at least the Florida minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance 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 |
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Cheap Jacksonville, Florida Auto Insurance by Age, Gender, and Marital Status
Auto insurance rates in Jacksonville, Florida are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.
| 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 |
Cheap Jacksonville, Florida Auto Insurance for Teen Drivers
Finding cheap teen auto insurance in Jacksonville, Florida is a challenge. Take a look at the annual teen auto insurance rates 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 |
Cheap Jacksonville, Florida Auto Insurance for Seniors
What are senior auto insurance rates in Jacksonville, Florida? Take a look at the annual average rates for older drivers.
| 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 |
Cheap Jacksonville, Florida Auto Insurance By Driving Record
Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Jacksonville, Florida compared to the annual auto insurance rates with a clean record in Jacksonville, Florida.
| 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 |
Cheap Jacksonville, Florida Auto Insurance Rates After a DUI
Finding cheap auto insurance after a DUI in Jacksonville, Florida is not easy. Compare the annual rates for DUI auto insurance in Jacksonville, Florida to find the best deal.
| Insurance Company | Annual Auto 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 |
Cheap Jacksonville, Florida Auto Insurance By Credit History
Credit history can have a major effect on the cost of auto insurance. See how Jacksonville, Florida annual auto insurance rates by credit history compare.
| 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 |
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Cheap Jacksonville, Florida Auto Insurance Rates By ZIP Code
Auto insurance rates by ZIP code in Jacksonville, Florida can vary. Compare the annual cost of auto insurance by ZIP code in Jacksonville, Florida to see how car insurance rates are affected by location.
| 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 |
Cheap Jacksonville, Florida Auto Insurance Rates By Commute
Commute length and annual mileage affect Jacksonville, Florida auto insurance. Find the cheapest annual Jacksonville, Florida auto insurance by commute length.
| Insurance Company | 10 Mile Commute, 6000 Annual Mileage | 25 Mile Commute, 12000 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 |
Cheap Jacksonville, Florida Auto Insurance Rates By Coverage Level
How much does the coverage level you select affect the cost of your auto insurance in Jacksonville, Florida? Check out the comparison of annual Jacksonville, Florida auto insurance rates by coverage level.
| 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 |
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Best By Category: Cheapest Auto Insurance in Jacksonville, Florida
Compare the cheapest auto insurance companies in Jacksonville, Florida in each category to find the company with the best rates for your personal needs.
| Category | Insurance Company |
|---|---|
| Teenagers | Geico |
| Seniors | USAA |
| Clean Record | USAA |
| With 1 Accident | USAA |
| With 1 DUI | State Farm |
| With 1 Speeding Violation | USAA |
The Cheapest Jacksonville, Florida Auto Insurance Companies
What auto insurance companies in Jacksonville, Florida are the cheapest? Compare the top Jacksonville, Florida auto insurance companies to find the best annual rates.
| 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 |
Jacksonville Auto Theft
More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Jacksonville, Florida auto theft statistics, there have been 2,941 auto thefts in the city.
Jacksonville Commute Time
Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Jacksonville, Florida commute length is 23.9 minutes according to City-Data.
Jacksonville Traffic
How does Jacksonville, Florida rank for traffic? According to Inrix Jacksonville, Florida is the 295th most congested worldwide.
Compare Jacksonville, Florida Auto Insurance Quotes
Before you buy Jacksonville, Florida auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Jacksonville, Florida auto insurance quotes.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Frequently Asked Questions
What are the minimum auto insurance requirements in Jacksonville, Florida?
The minimum auto insurance requirements in Jacksonville, Florida, according to Florida auto insurance laws, are 10/20/10 coverage. This means you must have at least $10,000 in bodily injury liability per person, $20,000 in bodily injury liability per accident, and $10,000 in property damage liability.
How does age, gender, and marital status affect auto insurance rates in Jacksonville, Florida?
Age, gender, and marital status can impact auto insurance rates in Jacksonville, Florida. Generally, younger drivers, male drivers, and unmarried drivers tend to have higher insurance rates compared to older drivers, female drivers, and married drivers. Insurance companies consider these factors as indicators of risk.
What are the average auto insurance rates for teen drivers in Jacksonville, Florida?
Teen drivers in Jacksonville, Florida often face higher auto insurance rates due to their lack of driving experience. The average annual auto insurance rates for teen drivers in Jacksonville, Florida can be significantly higher compared to rates for older drivers. It’s important for parents and teens to explore options for discounts and safe driving programs to help reduce premiums.
How does driving record affect auto insurance rates in Jacksonville, Florida?
Your driving record plays a significant role in determining your auto insurance rates in Jacksonville, Florida. If you have a clean driving record with no accidents or traffic violations, you are likely to receive lower insurance rates. On the other hand, a bad driving record with accidents, speeding tickets, or DUI convictions can result in higher premiums.
How does credit history impact auto insurance rates in Jacksonville, Florida?
Credit history can have an influence on auto insurance rates in Jacksonville, Florida. Insurance companies often consider credit information as a factor in assessing risk. Generally, individuals with good credit scores may receive lower insurance rates, while those with poor credit scores may face higher premiums. It’s important to maintain good credit to potentially save on auto insurance costs.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.