Cheapest Car Insurance Quotes in Jacksonville, Florida

minimal coverage car policy in Jacksonville, the most populated city in Florida, averages $ 2,275 per year, or around $ 190 per month, while the average cost of a full coverage policy is $ 3,171, or $ 264 per calendar month. We found that Jacksonville ’ second car insurance costs vary significantly depending on your driver profile, background and, most importantly, your insurance company .
In fact, the cheapest insurance company charges an average of $ 2,925 less than the most expensive insurance company for minimum indebtedness coverage, emphasizing how significant it is to shop around for multiple quotes .

Cheapest minimum auto insurance in Jacksonville: Geico

The Jacksonville insurance company with the cheapest minimum liability policy is Geico with an average annual cost of $ 1,136. An alternative insurance company you should obtain a quote from is State Farm, which is lone $ 130 more expensive, on average, than Geico. A minimal car insurance policy is the lowest amount of coverage a driver must obtain to legally drive in the state .
This graph identifies and ranks the three companies in Jacksonville, Fla. with the best rates for insuring our sample drivers' cars

Find cheap auto insurance quotes in Jacksonville

presently insured ? Florida has the second most expensive minimum indemnity policy and the fifth most expensive wax coverage policy in the nation. Jacksonville, like many dumbly populated cities, has indemnity rates that are higher than the submit average .
Given the high indemnity monetary value tags, drivers may decide to purchase the minimum sum of coverage to save money. however, this may not be the best option for your needs. A minimal liability policy covers the cost of damages to early people ‘s place adenine well as aesculapian expenses for you and your passengers. It does not offer coverage against price to your own vehicle, which means you can still end up spending hundreds or even thousands of dollars as a result of an accident .

Rank

Company

Average annual premium

1 Geico $1,136
2 State Farm $1,266
3 Direct General $1,934
4 MetLife $2,046
5 Progressive $3,198
6 Allstate $4,067

Cheapest insurer for a full coverage policy: Geico

Geico not merely has the cheapest minimum liability coverage but besides the most low-cost full coverage policy. Its wax coverage policy is only $ 533 more expensive than its minimum coverage policy. The second cheap insurance company, State Farm, has a full coverage policy that is $ 449 more expensive than Geico ’ south but is still cheaper than Florida ’ sulfur and Jacksonville ’ south average .

Rank

Company

Average annual premium

1 Geico $1,669
2 State Farm $2,118
3 Direct General $2,742
4 MetLife $3,392
5 Progressive $4,154
6 Allstate $4,951

Full coverage includes coverage of your vehicle, while minimum coverage serves to cover other drivers ’ vehicles. A broad coverage policy is more expensive than a minimum price policy because it includes comprehensive and collision coverage. To cursorily summarize what each character of coverage gives you :
We recommend you invest in extra coverage or higher limits if your car is less than 10 years erstwhile or worth more than $ 3,000 .

Cheapest insurance company for young drivers: Geico

Young and new drivers are statistically more likely to be involved in an accident than older drivers. Insurers see young drivers as bad and, as a solution, charge higher indemnity premiums for coverage .
The insurance company that offers the brassy rates for the average 18-year-old driver is Geico with an average annual premium cost of $ 3,187. The adjacent most cheap choice you can find in Jacksonville is Direct General, which is priced, on median, at $ 3,832 per annum .

Rank

Company

Average annual premium

1 Geico $3,187
2 Direct General $3,832
3 State Farm $3,904
4 MetLife $5,231
5 Progressive $8,594
6 Allstate $9,416

If you find that rates are still excessively expensive after comparing multiple large insurers, there are extra steps you can take to obtain cheaper coverage :

  • Combine policies The cheapest way for a young driver to get insurance is by combining policies with an older family member. If you combine policies with a relative who is older and has a less risky profile, you will be paying less than if you had two separate policies.
  • Ask companies about discounts. Most insurers have a comprehensive list of discounts on their website. You can redeem discounts for obtaining good grades in school, attending a defensive driving class and having safety devices installed in your car.
  • Contact insurers outside of our list. Big insurers don’t always offer the best prices. Research and contact small insurers around Jacksonville as well to see if they have better deals or prices.

Cheapest rates for drivers with an accident history: State Farm

Any driver who ’ s been in an accident knows how much it affects policy costs .
Allstate, the most expensive insurance company for minimum and wax coverage policies, increased rates by an median of $ 2,122 after an accident. The best action you can take to avoid a massive price raise following an accident is to compare rates at different companies .
State Farm increased prices the least after an accident, with a $ 382 remainder. Geico, the company with the cheapest wide coverage and minimal coverage policy, increased prices by an average of $ 715. Direct General is another choice to check out. Although it is n’t arsenic cheap as Geico or State Farm, its price rise was less than $ 1,000 .

Rank

Company

Rates before accident

Rates after accident

Difference

1 State Farm $2,118 $2,500 $382
2 Geico $1,669 $2,384 $715
3 Direct General $2,742 $3,666 $924
4 Progressive $4,154 $5,930 $1,777
5 MetLife $3,392 $5,499 $2,107
6 Allstate $4,951 $7,073 $2,122

Best insurance company for customer service in Jacksonville

It ’ mho not enough to good have the best prices. You should besides look for insurers that offer quick and diaphanous customer service. In our survey, companies rated the highest in customer service typically had fast response times, a 24/7 claims center or helpful representatives .
According to our survey of customer gratification, the Jacksonville insurance company with the best servicing ratings is Allstate with 64 % of policyholders stating that they are satisfied with their customer service experience. A close second is State Farm, with 59 % of customers being satisfied with their experience .

Rank

Auto insurer

% of respondents extremely satisfied with experience

% of respondents who saw customer service as excellent

1 Allstate 64% 47%
2 State Farm 59% 46%
3 Geico 56% 42%
4 Progressive 51% 34%

Best auto insurers in Florida by complaints

In addition to our view, we examined the feedback collected by the National Association of Insurance Commissioners ( NAIC ), which measures customer avail by the frequency of customer complaints. The Jacksonville companies with the best customer service based on NAIC ’ s complaint index are Amica, Farm Bureau, Southern-Owners and Progressive.

Rank

Company

Complaint index

1 Amica 0.06
2 Florida Farm Bureau 0.07
3 Southern-Owners 0.10
4 Progressive 0.10
5 Safeco 0.11
6 State Farm 0.12
7 Mercury 0.12
8 Allstate 0.12
9 MetLife 0.13
10 Geico 0.14
11 USAA 0.14
12 Esurance 0.19

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Average rates by Jacksonville neighborhood

crime rates, population concentration and accident rates vary by region, resulting in indemnity prices that can vary by over $ 300 depending on where you reside .
Residents of Downtown Jacksonville, the city ’ randomness business zone and one of the most expensive areas, had car indemnity quotes that averaged $ 2,387 per year. Mayport, the cheapest sphere of Jacksonville and one of its smallest areas, had an median policy cost of $ 2,099 — a $ 288 difference .

ZIP code

Neighborhood

Average annual car insurance rate

32099 Marietta $2,335
32202 Downtown $2,387
32204 Brooklyn / Mixon Town / Riverside $2,359
32205 Hillcrest / Normandy Village / Avondale $2,372
32206 Fairfield / Springfield / East Side $2,420
32207 San Marco / Spring Park / Riverside $2,377
32208 Riverview / North Shore $2,384
32209 Grand Park $2,426
32210 Sweetwater $2,338
32211 Arlington $2,357
32212 Ortega $2,323
32216 San Souci $2,216

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Auto theft statistics in Jacksonville

Despite being the largest city in Florida, Jacksonville has a car larceny rate lower than many highly populate areas of Florida, including Miami and Tampa. The city reported 1,240 cars stolen in 2019, or approximately 137 cars for every 100,000 vehicles .

City

Population

Car thefts

Thefts per 100,000

Fort Lauderdale 182,150 426 233.9
Orlando 286,679 602 210.0
Tallahassee 192,443 336 174.6
Miami 473,047 815 172.3
St. Petersburg 265,942 377 141.8
Jacksonville 903,213 1,240 137.3
Hialeah 241,778 259 107.1
Tampa 392,945 273 69.5

Car insurance companies in Jacksonville, Fla.

The Tampa car policy commercialize is dominated by Geico, Progressive and State Farm, which in concert write over 50 % of direct premiums .
There are unique benefits to being insured by a little insurance company over a larger party. Drivers insured under belittled insurers will be able to communicate with one agentive role, entirely, and will probable have a personalized experience. large insurers, on the other hand, lack the personal contact of belittled companies but offer more rebate and coverage options .

Rank

Insurers

Direct Premiums Written

Percent of Direct Premiums

1 Geico 5,492,413 22.67%
2 Progressive 5,001,524 20.64%
3 State Farm 2,903,833 11.98%
4 Allstate Corp 1,999,192 8.25%
5 Liberty Mutual 618,341 2.55%
6 Auto-Owners Insurance 608,822 2.51%
7 Travelers 557,276 2.30%
8 Kemper 449,651 1.86%
9 National General Holdings Corp 407,566 1.68%
10 Farmers Insurance 337,648 1.39%
N/A* USAA 1,481,933 6.12%

Minimum auto insurance requirements in Jacksonville, Fla.

Auto insurance minimums are set by each state. Most states require drivers to have a certain level of coverage in order to legally drive. Florida law requires all Jacksonville drivers to meet the trace requirements :

Coverage type

Minimum limit

Personal injury protection (PIP) $10,000 per accident
Property damage liability (PDL) $10,000 per accident

Although the minimum indebtedness policy is the cheapest option, it may not sufficiently meet your individual needs. If you get into an expensive accident, the damage to your car will not be covered under a minimum policy and you will have to pay out-of-pocket costs. Always consider your background and individual needs before deciding whether to purchase more or less coverage .

No-fault state

Florida is one of 15 no-fault states in the U.S. No-fault insurance requires insurers to provide coverage for aesculapian costs regardless of who is at mistake in an accident .
blip covers up to 80 % of checkup expenses and 60 % of lost income if you are unable to work, with a combine limit of $ 10,000. PDL reimburses property price to other drivers ‘ vehicles in an accident, with a terminus ad quem of $ 10,000 .
Drivers found to be at demerit in an accident can calm be sued if the accident resulted in serious injuries or death. It ’ s recommended that you have bodily injury liability ( BIL ) coverage to protect yourself from a lawsuit .

Florida’s financial responsibility law: SR-22 and FR-44 policies

Drivers convicted of driving without policy or driving under the influence will be required to hold extra coverages and higher coverage limits under Florida ‘s fiscal province law. You will need to buy SR-22 or FR-44 policy .

SR-22 insurance requirements

SR-22 is an car policy policy with an SR-22 endorsement. If you ’ re determined to be a bad driver, you will be asked to file SR-22 insurance in order to have your driving privileges reinstated. SR-22 indemnity requires :

  • Bodily injury liability: $10,000 per person/$20,000 per accident
  • Property damage liability: $10,000 per accident

These coverages will reimburse you for bodily injury caused to other people involved in an accident for which you are at blame .

FR-44 insurance requirements

Like an SR-22 policy, an FR-44 policy is a car policy policy with an FR-44 sanction. Jacksonville residents convicted of driving under the influence of drugs or alcohol are required to obtain an FR-44 certificate. FR-44 coverage requirements are higher than the requirements of no-fault minimal coverage or SR-22 certificates. specifically, FR-44 indemnity requires :

  • Bodily injury liability: $100,000 per person/$300,000 per accident
  • Property damage liability: $50,000 per accident

Methodology

We analyzed quotes from six policy companies located in Jacksonville, Fla. Our sample driver is a man who owns a 2015 Honda Civic EX, has a hapless credit history and is searching for a policy that meets Florida ’ s minimum car indemnity coverage requirements. During instances where we explicitly department of state he is looking for a wide coverage policy, the following limits were applied :

Coverage type

Study limits

Bodily liability $50,000 per person/$100,000 per accident
Property damage $25,000 per accident
Uninsured/underinsured motorist bodily injury $50,000 per person/$100,000 per accident
Comprehensive and collision $500 deductible

ValuePenguin ‘s analysis used policy rate data from Quadrant Information Services. These rates were publicly sourced from insurance company filings and should be used for comparative purposes entirely — your own quotes may be unlike .

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