Best Jacksonville, FL Auto Insurance in 2024 (Your Guide to the Top 10 Companies)

State Farm, Geico, and Progressive are the best Jacksonville, FL auto insurance companies, with affordable price at $75 per month. State Farm stands out as the top choice for its dependable coverage and service offer by their local agents.

These insurers offer Jacksonville drivers competitive pricing, strong customer service, and flexible policies. State Farm stands out with low rates and solid coverage, which is ideal for budget-conscious drivers seeking quality protection.

Our Top 10 Company Picks: Best Jacksonville, FL Auto Insurance

This comprehensive guide will show you how to compare auto insurance companies, find affordable car insurance in Jacksonville, FL, and explore other vital factors. Ready to start your search? Enter your ZIP code for an instant, free Jacksonville, FL auto insurance quotes.

#1 – State Farm: Top Overall Pick

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Pros

• Comprehensive Coverage: Jacksonville drivers plenty of options, so you can customize your insurance to fit your needs.
• Affordable Monthly Coverage: Basic coverage starts at $75 a monthly, making it affordable for Jacksonville drivers. To dive deeper, open our State farm auto insurance review.
• Save Through Bundling: Combining your auto insurance with other policies can save 17%, a great deal for anyone in Jacksonville looking to save money.

Cons

• Limited Multi-Policy Discount: While State Farm offers a discount for bundling multiple policies, it’s smaller than some other companies, so that the savings might be less for Jacksonville residents.
• Premium Levels Rising: The base coverage is affordable, but your premiums could be higher if you want more protection or have certain types of vehicles.

#2 – Geico: Best for Local Agents

 

Pros

• Affordable Rates: Geico offers some of the lowest rates, starting at just $75 a month. Want more info? Check out our Geico auto insurance review.
• Great Customer Service: With an A++ rating from A.M. Best, Geico is a solid choice for budget-friendly insurance and great service.
• Big Bundling Discount: You can save up to 25% in Jacksonville by bundling your auto insurance with other policies.

Cons

• Limited Local Help: Geico may not have many local agents in Jacksonville for in-person support.
• Basic Coverage Options: While affordable, Geico’s coverage options might not be as specialized as other insurers.

#3 – Progressive: Best for Unique Tools

Pros

• Helpful Tools: Progressive offers easy-to-use tools and personalized discounts, perfect for Jacksonville drivers.
• Affordable Rates: You can get basic coverage at a good price. For more tips, check out Progressive Auto Insurance Review.
• Bundle and Save: Bundle your policies and get a 10% discount—a simple way for Jacksonville drivers to save money.

Cons

• Higher Rates Later: Your premium might go up after your first policy term, so keep an eye on your renewal rates. For more information, check out our Progressive auto insurance review.
• Less Personal Support: Progressive focuses on online tools, which is great for convenience but not ideal if you like one-on-one help.

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#4 – Allstate: Best for Safety Discounts

Pros

• Safety Savings for Drivers: They’re a top choice for their excellent safe-driving discounts.. To find out more, check out our Allstate auto insurance review.
• Competitive Coverage Rates: Jacksonville drivers can access affordable minimum coverage rates for those on a budget.
• 25% Bundling Discount: Allstate’s generous bundling discount helps Jacksonville, FL, drivers save on premiums when combining auto insurance with other policies.

Cons

• Jacksonville Youth Premium Boost: Jacksonville drivers under 25 may face higher premiums, which could make Allstate less attractive for younger owners.
• Restricted Online Tools: While Allstate offers decent online options, its digital tools might be less advanced and more user-friendly than some competitors.

#5 – Nationwide: Best for Safety Discounts

Pros

• Tailored Coverage: Nationwide helps Jacksonville drivers find the right policy with personalized coverage reviews.
• Affordable Rates: Minimum coverage starts at just $75/month, which isgreat for drivers on a budget.
• Save More with Bundling: Get up to 20% off when you combine auto insurance with other policies.

Cons

• Fewer Local Agents: Nationwide relies on digital tools, so in-person support in Jacksonville might be limited.
• Potential Rate Hikes: Some drivers may see premium increases based on their risk factors. To explore further, browse through our Nationwide auto insurance review.

#6 – Farmers: Best for Customizable Plans

Pros

• Flexible Jacksonville Auto Plans: Farmer’s auto insurance offers a variety of options, so Jacksonville drivers can pick the coverage that best suits them.
• Friendly, Personalized Service: Farmers offer excellent customer service, helping Jacksonville drivers with their policy. For clarity, click our Farmers auto insurance review.
• 10% Discount for Bundling: Jacksonville residents can save 10% by bundling their auto insurance with other policies, which can help lower the overall cost.

Cons

• Higher Base Premiums: Farmers’ base premiums are higher than those of other Jacksonville providers, making them less competitive.
• Limited Online Tools: Farmers’ digital tools may not be as advanced as others, like Geico, which could be a drawback for people who prefer managing their insurance online.

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#7 – Liberty Mutual: Best for Flexible Options

Pros

• Flexible Coverage: Liberty Mutual offers options like comprehensive and collision coverage so you can find what fits your needs.
• Affordable Rates: Minimum coverage costs about $75 a month, keeping it budget-friendly. For more context, look through our Liberty Mutual auto insurance review.
• Bundle & Save: You can get a 15% discount if you bundle auto insurance with other policies, like home or renters insurance.

Cons

• Jacksonville Premiums On Rise: Liberty Mutual’s base premiums may be higher for some Jacksonville drivers, especially younger or higher-risk drivers.
• Limited Local Agent Access: While Liberty Mutual offers solid digital tools, some Jacksonville drivers may miss the personal touch of working with a local agent.

#8 – Travelers: Best for Unique Coverage

Pros

• Auto Coverage for Jacksonville: Travelers auto insurance offers unique coverage options that can be great for Jacksonville drivers with specific vehicle needs.
• Strong Financial Stability: Travelers has an A++ rating from A.M. Best so Jacksonville drivers can feel confident in the company’s reliability.
• 10% Discount for Bundling: Jacksonville drivers can save with a 10% discount when they bundle auto insurance with other policies.

Cons

• Premium Rates Rising: Travelers may have higher rates for Jacksonville drivers, especially those considered higher risk. To inquire further, Understand it with our Travelers auto insurance review.
• Expensive Coverage Ahead: Travelers in Jacksonville can be more expensive for young drivers, so it might not be the best choice for new or less-experienced drivers.

#9 – American Family: Best for Family Focused

Pros

• Great for Families: American Family auto insurance is designed for families, so it’s an excellent choice for Jacksonville drivers who need coverage for everyone in the household.
• Affordable Rates: American Family offers basic coverage starting at $80 a month, a great deal for most drivers. For added insight, visit our American Family auto insurance review.
• Bundling Brings Savings: Bundling your auto insurance with other policies, such as home or renters insurance, can save you 20%. It’s a smart way to save money.

Cons

• High-Risk Vehicle Insurance: The American Family might not have the best coverage options if they drive a high-performance or specialized vehicle.
• Inconsistent Customer Service: While most people have a good experience, some Jacksonville drivers report that the customer service can be hit or miss depending on where you are.

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#10 – USAA: Best for Military Discounts

Pros

• Discounts for Jacksonville Military: USAA offers special discounts to Jacksonville drivers in the army or part of a military family.
• Strong Financial Stability: USAA has an A++ rating for financial strength, so you can trust they’re stable and reliable.
• 10% Bundling Discount: If you combine auto insurance with other coverage, you’ll get 10% off, helping you save even more.

Cons

• Only for Military Families: USAA is only available to military families, so it’s not an option for everyone. To uncover more, explore our USAA auto insurance review.
• Exclusive Military Discounts: While the discounts are great for military members and their families, others cannot take advantage of them.

For those in Jacksonville, FL, looking for reliable auto insurance, these top providers offer customized coverage options designed to fit various needs and budgets while focusing on affordability and customer satisfaction.

Typical Auto Insurance Costs and Affordable Options in Jacksonville, Florida

The average cost of car insurance in Jacksonville, FL, is about $280 per month. Car insurance rates are based on many factors, including age, credit history, marital status, and whether you live in Arlington or closer to Jacksonville Heights.

Jacksonville, FL Auto Insurance Monthly Rates by Provider & Coverage Level

In this section, we’re going to show you the specific rates that folks pay for cheap auto insurance in Jacksonville, FL, based on some of these factors, includingcar insurance discounts. Of course, these rates are averages, and your rates can be higher or lower depending on your circumstances.

Jacksonville’s Best Affordable Auto Insurance Options

If you’re looking for budget-friendly auto insurance, Jacksonville has some great options for affordable car insurance. Companies like Geico, State Farm, and Progressive offer plans that cover you without spending too much. It’s easy to find one that works for you.

Who’s the cheapest auto insurance company in Jacksonville, FL?

Most of the top providers are licensed in Jacksonville. We’ve listed those companies and their average monthly costs in the table below for your convenience.

Jacksonville, FL Auto Insurance Monthly Rates by Provider, Age, & Gender

USAA has the cheapest rates overall, followed by State Farm and Geico. However, USAA is only available to military personnel and their families.

Auto Insurance Discounts From the Top Providers in Jacksonville, FL

Seven states (CA, HI, MA, MT, PA, NC, and parts of MI) have passed legislation prohibiting insurance companies from considering gender when setting rates. Since Florida is not among the seven, your gender may be figured into your rate. As our research will show, young male drivers have the most expensive rates.

Data USA shows that the mean age in Jacksonville is 36. Let’s review the average rates charged by insurance companies in Jacksonville, FL, for different age groups. The table below shows the insurance rates for Jacksonville, FL.

Jacksonville, FL Auto Insurance Monthly Rates by Age

Teenage drivers pay the most for their car insurance, while those in their 20s have the second-highest rates. As you can see, rates drop by thousands of dollars as drivers mature. To lower your auto insurance premiums, enter your ZIP code into our free quote comparison tool above to compare your rates against the top insurers.

Let’s see your money-saving moves when you bundle your home and auto policies under our roof. https://t.co/mCsqNLzgey pic.twitter.com/juDkjXSHz8

— American Family Insurance (@amfam) September 13, 2023

Women pay less for car insurance, but the difference is not dramatic. In Jacksonville, men pay an average of $373, while women spend $353 per month for the same policy.

Good news if you’re married and approaching retirement age: You pay the least for car insurance of any demographic, making it easier to find cheap car insurance in Jacksonville, Florida.

Known for competitive pricing, quality customer service, and versatile coverage options, they provide dependable and budget-conscious auto insurance solutions for Jacksonville residents.

Best ZIP Codes for Cheap Auto Insurance in Jacksonville, FL

Where you call home in Jacksonville can also impact how much you pay for car insurance. For example, if you live in a neighborhood with high crime rates, odds are you’ll pay more for your auto insurance than someone who lives in an area where vehicle theft is rare.

Check out the table below to see the average car insurance rates based on ZIP code.

Jacksonville, FL Auto Insurance Monthly Rates by ZIP Code

As you can see in the data, the difference in rates between the least and most expensive ZIP codes in Jacksonville is around $300. Let’s keep going to see what other factors impact your car insurance rates.

Best Picks for Auto Insurance in Jacksonville, FL

>The word best can mean different things to different people. In the sections below, we’ll discuss what makes an insurance company tremendous and see if we can find you a good deal. Uncover more in our relevant guide titled “Types of Auto Insurance Coverage.”

Get the Best Commute Rates for Auto Insurance in Jacksonville, Florida

According to the Federal Highway Administration, Florida drivers average more than 1,206 miles on the road monthly, more than the national average of 1,193. How far do you drive to work every day?

Did you know your daily commute impacts your car insurance rate?

We partnered with Quadrant Data Solutions to understand the impact of an above-average commute on your insurance rate. Check out the chart below to see how your commute stacks up against others’ pay.

Jacksonville, FL Auto Insurance Monthly Rates by Provider & Annual Mileage

Only two carriers, Nationwide and Progressive, are among the top providers in Jacksonville. They offer the same rates no matter how far you drive.

Budget-Friendly Car Insurance Rates in Jacksonville, Florida

If you’re looking to save a buck, maybe you’ll sign up for the state minimum car insurance requirements so you can stay legal on the road. You should remember that investing a little more for a higher level of coverage can save you thousands of dollars if you’re ever involved in a significant accident.

Liberty Mutual, State Farm, and USAA charge customers around $300 to increase coverage from medium to high. It’s something worth considering if you drive a more expensive car or want to protect your loved ones from catastrophic loss.

To legally drive in Florida, drivers must carry the state-mandated minimum auto insurance coverage. This includes bodily injury liability of $10,000 per person, property damage liability of $20,000 per accident, and personal injury protection of $10,000 per person. However, this is just the minimum. It’s always a good idea to invest in additional coverage.

Low-Cost Car Insurance Options in Jacksonville, FL for Credit History

Poor credit can make it difficult to rent an apartment or secure a loan from the bank. But did you know it can also affect how much you pay for car insurance?

The following table shows how much rates can vary based on your credit score among the top providers in Jacksonville.

Jacksonville, FL Auto Insurance Monthly Rates by Credit Score

The average credit score in the U.S. is 675. If your credit score is lower than this, you may face increased rates on car insurance. As the data reflects, having a poor credit score can raise your rates by $820 with most companies.

Save on Auto Insurance in Jacksonville, FL for Your Driving Record

If you get a speeding ticket, have an accident, or get a DUI, your rates will probably increase in most situations, making it even more important to find cheap auto insurance in Jacksonville, FL.

The table below shows rates for these three violations compared to the rate for a clean record.

Jacksonville, FL Auto Insurance Monthly Rates by Provider & Driving Record

Numbers don’t lie. A speeding ticket with State Farm as your insurer will raise your rates by $300. And a DUI? Well, we hope you never drink and drive, but if you do and you get caught, you can expect your rates to go up thousands of dollars with most companies.

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A Guide to Minimum Auto Insurance Requirements in Jacksonville, FL

The minimum coverage required to drive in Florida legally includes $10,000 in personal injury protection (PIP) and $10,000 in property damage liability (PDL). Please review our guide, “High-Risk Drivers.”

Choosing to avoid purchasing the minimum coverage requirements in Jacksonville will result in fines, potential jail time, and more.  We recommend talking with your insurance provider to find a plan that works for you.

Factors That Affect Rates on Cheap Auto Insurance in Jacksonville, Florida

Auto insurance rates are based on more than just the factors listed above. Prices are also determined based on city-specific factors, such as your ZIP code, economic prosperity in your city, and average income levels.

This section covers how external factors like accident rates, weather, and population density influence car insurance rates in Jacksonville. For more details, browse our relevant guide, “How Accidents Change Your Car Insurance Rate.”

Exploring the Economic Trends of the Jacksonville Metro Area

How’s the economy doing? Jacksonville is the third-largest city with a major military presence, and its economy is closely tied to the bases located nearby.

The Brookings Institute reported that between 2007 and 2017, the Jacksonville area ranked 17th in growth and 61st in prosperity. During this time, Jacksonville ranked 70th in productivity growth at +0.4%, 51st in the standard of living growth at +1.5%, and 59th in average monthly wage growth at +0.9%.

It ranked 17th in growth, with a 3.1 percent increase in jobs (8th out of 100), a 3.5 percent rise in gross metropolitan product (18th out of 100), and a 2.8 percent increase in jobs at young firms (60th out of 100).

A Deep Dive Into Jacksonville’s Wage Differences by Ethnicity

Data USA shows Asians are the highest-paid ethnicity in Florida, followed by Whites and American Indians. The following table lists the average salaries for the demographics mentioned above.

Jacksonville, FL Monthly Rates by Race & Ethnicity

Asians working in management positions are making almost double what American Indians are making in the same line of work. This means the percentage of an American Indian person’s income going to car insurance (and their other bills) is significantly higher than an Asian person’s percentage.

The Link Between Jacksonville’s Driving Patterns and Cheap Insurance

We’ve mentioned above that your credit score, driving record, ZIP code, and other factors contribute to your auto insurance cost. However, insurance providers also base rates on the car you drive, road conditions, traffic congestion in your area, crime reports, and much more.

Exploring the Streets That Shape Jacksonville

The Jacksonville metropolitan area is the largest in Florida and has many types of roads. If you’re new to town, you might find some roads confusing or disorienting. Your GPS wants you to turn left, but somehow, you’ve managed to turn onto a dead-end street, and your device goes into “recalculating mode.” It can be very frustrating.

What to Know About Speed Cameras in Jacksonville

According to the Insurance Institute for Highway Safety (IIHS), Florida is one of the states that use automated enforcement laws. In other words, Florida residents statewide will encounter red-light cameras. However, the city of Jacksonville discontinued this practice in 2017.

Even though red-light cameras are no longer used, it still doesn’t pay to run a red light because you can still be pulled over. This could result in fines, points on your record, and a higher insurance premium as traffic violations increase car insurance rates.

Types of Vehicles in Jacksonville, Florida

Your auto insurance provider will also want to know what car you drive, and your rate might be higher if your make and model is a favorite among thieves. Let’s take a closer look at cars in Jacksonville.

According to the website Speedtrap.org, residents report that Jacksonville has numerous speed traps throughout the city.

Hopefully, you won’t worry about getting caught in a speed trap isn’t because you always obey posted speed limit signs when driving. One of the best ways to keep your car insurance premiums low is to avoid getting speeding tickets.

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Traffic and Transportation in Jacksonville, Florida

Aggressive drivers, distracted drivers, road construction, and traffic—we’ve all been frustrated by these things at one point or another. While waiting, why not immerse yourself in our guide, “Geico Drive Easy App Review.”

Safety of Jacksonville’s Streets and Roads: An Overview

To understand the safety of roads in Jacksonville, we can refer to data provided by the National Highway Traffic Safety Administration. However, the data from NHTSA is at the county level. Jacksonville is in Duval County, so we’ll show you data from that county and others nearby.

The following chart shows the fatalities by county for the state of Florida from 2013-2017.

Florida County Traffic Fatalities

Duval County ranks sixth in Florida for fatalities over the look-back period. Since the fatal crash totals are listed by county, we’ll look at Jacksonville’s Duval County and the adjacent counties of Baker, Nassau, Clay, and St. Johns.

The data provided below will show the different types of crashes that caused fatalities in these counties. First, we’ll show you the total alcohol-related fatalities.

Impaired Driving Fatalities by County in Jacksonville, Florida

Duval County had 172 traffic fatalities resulting from alcohol-impaired driving during our five-year look-back period. Even one fatality is too many. If you’ve been drinking, call an Uber, take a cab or public transit, or ask a friend for a ride. Now, let’s look at the fatalities involving single-vehicle crashes.

Jacksonville, FL Single Vehicle Crashes by County

Duval County had 78 single-vehicle accidents resulting in fatalities in 2018. Speeding is another major factor in fatal car accidents. Check out the stats for fatal crashes caused by speeding below.

Jacksonville, FL Speeding Fatalities by County

Speeding killed 15 people in Jacksonville in 2018. Again, these are senseless deaths. Please obey the posted speed limits. Roadway departure accidents are those in which vehicles collide and leave the roadway upon impact. Here are the numbers for fatalities that involved roadway departures.

Jacksonville, FL Roadway Departure Fatalities by County

In 2018, Duval County reported the highest number of fatalities in the region, with 46 lives lost, followed by St. Johns County, which recorded 11 fatalities during the same year. What about intersections? The NHTSA records fatalities that happen in intersections as well. Let’s look at the fatality totals in the table below.

Jacksonville, FL Intersection Fatalities by County

Duval County continues to lead the way in this type of accident, which is not surprising given its higher number of intersections compared to other areas. Now let’s see how many passengers were killed in fatal accidents.

Jacksonville, FL Passenger Fatalities by County

Unfortunately, Duval County experienced a tragic year in 2018, with a total of 52 passenger fatalities, highlighting the serious safety concerns on its roads and the need for increased awareness and preventative measures. Below are the total numbers of pedestrians killed in fatal car accidents for each county.

Jacksonville, FL Pedestrian Fatalities by County

From 2014-2018, there were 186 fatal crashes involving pedestrians in Duval County. We’ll wrap up the crash fatality statistics with this last table featuring pedal cyclist fatalities.

Jacksonville, FL Pedalcylist Fatalities by County

Twenty-five pedal cyclists lost their lives in Duval County during our look-back period. We also look to the NHTSA for information on which types of roads are the most dangerous to drive on in Duval County.

Most Dangerous Roads in Jacksonville, FL

From the data, you can see that more fatalities occurred on urban roadways, which makes sense, as there is generally more traffic and congestion on city streets.

Exclusive Savings for Jacksonville’s Military Veterans on Auto Insurance

Jacksonville boasts a strong military presence with critical bases, including Naval Air Station Jacksonville, Naval Station Mayport, Patrick Air Force Base, and Naval Submarine Base Kings Bay, each playing a vital role in U.S. military operations.

Military auto insurance offers discounts to active duty military personnel, their families, and veterans. The majority of veterans living in Jacksonville served in Vietnam and the Second Gulf War.

Several car insurance companies offer discounts to military veterans and current military members, including Allstate, Esurance, Farmers, Geico, Liberty Mutual, MetLife, Safe Auto, Safeco, State Farm, The General, and USAA. However, when it comes to affordability, USAA stands out as the cheapest insurance provider for military members in the U.S., according to our data.

In addition to having the cheapest rates, USAA offers discounts for military garages to hold vehicles on base during personnel deployment.

Don’t Miss These Jacksonville Driving Facts

If you’re new to Jacksonville, there may be some laws you’re unfamiliar with. For example, did you know storing a boat longer than 20 feet in your driveway is illegal? Boats, trailers, and RVs over 20 feet must be stored behind a building on your property. That’s why you should have an ultimate road safety guide.

Here are some other laws that may help you navigate around the city:

• Hand-Held Devices: It is illegal in Florida to text or operate a phone while driving. The law currently allows drivers to receive phone calls except in hands-free zones such as near schools.
• Food Trucks:Food trucks are regulated by the City of Jacksonville. Vendors must purchase liability and commercial auto insurance to operate legally.
• Tiny Homes:With the popularity of tiny homes throughout the country, it’s no wonder small houses are becoming trendy in Florida. A tiny home can be as small as 150 square feet and has a working kitchen, bathroom, and at least one bedroom.
• Parking Laws:Metered parking is available throughout Jacksonville. The city also manages parking facilities that offer daily and monthly rates. Parking citations may be paid online on the City of Jacksonville’s website.

If you’re ready to buy Jacksonville, FL auto insurance, enter your ZIP code in our free online tool for instant Jacksonville, FL insurance rates.

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Case Studies: Exploring the Benefits of  Jacksonville, FL Auto Insurance

Here, we’re sharing a few stories from Jacksonville drivers who found the right car insurance for their needs. Companies like State Farm, Geico, and Progressive are helping drivers get great coverage without breaking the bank.

• Case Study #1 – Affordable Insurance for a Young Driver: At 24, Samantha was a recent grad looking for her first car insurance policy. With a clean driving record, she landed a great deal with State Farm for just $78 monthly. She’s happy with her coverage and loves their friendly customer service.
• Case Study #2 – Discounted Rates for Safe Drivers: Mark, 40, has a spotless driving record and wanted a plan that rewarded his safe habits. Geico gave him just that, with a monthly rate of $82, thanks to a safe driver discount. Their app also made it super easy to manage his policy.
• Case Study #3 – Flexible Coverage for a Growing Family: With two teens learning to drive, the Ramirez family needed a plan that could grow with them. Progressive was just right—it covered them for $90 a month and gave them the flexibility to adjust as the kids got more experienced.

These stories show how insurance companies like State Farm, Geico, and Progressive are helping Jacksonville drivers find the right balance of price and coverage. Whether you’re a new driver, a safe driver, or a family, there’s a plan that fits your needs.

See which companies have the cheapest minimum auto insurance rates by entering your ZIP code into our free comparison tool.