Best Cheap Auto Insurance in Jacksonville, FL (2021)

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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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jul 16, 2021

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Things to Remember

  • 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.

Minimum Required Auto 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

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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.

Annual Auto 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

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.

Annual Auto 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

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.

Annual Auto 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

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.

Annual Jacksonville, Florida Auto 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

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.

Annual Auto Insurance Rates After a DUI in Jacksonville, Florida

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.

Annual Auto 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

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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.

Annual Auto 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

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.

Annual Auto Insurance Rates by Commute Length in Jacksonville, Florida

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.

Annual Auto 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

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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.

Best Annual Auto 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

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.

Average Annual Auto 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

What affects auto insurance rates in Jacksonville, Florida?

There are a lot of reasons why auto insurance rates in Jacksonville, Florida are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Jacksonville, Florida. Many local factors may affect your Jacksonville auto insurance rates.

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.

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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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