best car indemnity Jacksonville
2022
The Cheapest and Best Car Insurance in Jacksonville
The Cheapest Car Insurance Companies in Jacksonville
These insurers offer the best value for the median Jacksonville driver with a broad coverage policy :
- GEICO: $1,115 annually
- State Farm: $1,440 annually
With an annual premium of $ 770, USAA is a dear option for Jacksonville military personnel and their families. In Jacksonville, GEICO is the most low-cost choice for car policy. In contrast, Progressive ‘s annual agio is roughly $ 2,253, which is the most expensive in the city. Comprehensive and collision coverage is included in both insurers ‘ premiums for entire coverage cable car indemnity. Comprehensive and collision indemnity are included in full coverage policies. however, the cost varies depending on the indebtedness limits you choose .
Cheapest Car Insurance in Jacksonville
Full Coverage 100/300/100
- company 100/300/100
per year
- 1 .USAA
$770
- 2 .GEICO
$1,115
- 3 .State Farm
$1,440
- 4 .Travelers
$1,578
- 5 .MetLife
$1,779
- 6. Allied
$1,832
- 7 .Allstate
$1,907
- 8 .Mercury
$2,005
- 9 .Progressive
$2,253
MoneyGeek ‘s analysis based its findings on rates for a 40-year-old male driver with a full coverage policy as described in our methodology. A comprehensive examination and collision coverage will cost more than a policy with only liability coverage. Full coverage car indemnity, on the other hand, provides extra security in the event of an accident by helping to cover the costs of car price. This is important since it guards you against the high expense of vehicle damage .
- Collision Insurance: This protects you by paying for vehicle damage if you cause an accident and collide with another driver or a tree, fence or another stationary object.
- Comprehensive Insurance: This protects you against damage to your car from non-collision, such as hail, theft or vandalism.
If you own an older car, note that full coverage car policy may cost you more than the car is worth. This is when indebtedness alone insurance or tied state-minimum coverage may be your best stake for getting the lowest prices possible .
Compare Car Insurance Rates in Jacksonville
guarantee you ‘re getting the best rate for your cable car insurance. Compare quotes from the exceed policy companies. widget-location-pin
Cheapest Car Insurance in Jacksonville for Minimum Coverage
In Jacksonville, policies with minimal coverage are the most cost-efficient option. State minimal indemnity policies have the following insurers as the most low-cost options :
- GEICO: $475 per year
- State Farm: $738 per year
former and portray Jacksonville military personnel and their families will find USAA car indemnity an low-cost alternate with an annual rate of $ 338. GEICO ‘s policy has a annual premium that is less than Progressive ‘s at $ 1,312. You ‘ll save money by opting for minimum coverage policies, but you ‘ll be at gamble of not being fully covered if you do n’t have collision and comprehensive indemnity. See how rates change when liability limitations increase using the table below .
Cheapest Minimum Liability Car Insurance in Jacksonville
state Minimum
- caller State Minimum
per year
- 1 .USAA
$338
- 2 .GEICO
$475
- 3 .State Farm
$738
- 4 .Travelers
$752
- 5. Allied
$827
- 6 .Allstate
$846
- 7 .Mercury
$977
- 8 .MetLife
$1,026
- 9 .Progressive
$1,312
In Florida, drivers are required to have state of matter minimal liability-only car insurance with $ 10,000 in personal wound auspices and $ 10,000 in property damage indebtedness coverage. This is the cheapest car indemnity option in Jacksonville, but the tradeoff for low premiums is that you may have to pay substantially more out of scoop after an accident. For example, if you ‘re in an accident and the other driver ’ randomness entire medical bills reach $ 15,000, you would be covered for $ 10,000 and have to pay the remaining $ 5,000 yourself .
Florida Minimum Liability Requirements
- detail description
- property damage $ 10,000 for property damage. A more protective level is 100/300/100 .
- personal Injury Protection $ 10,000 per person .
Cheapest Car Insurance in Jacksonville if You Have Driving Violations
A traffic rape, such as a accelerate ticket or a DUI, can considerably impact the price of car policy in Jacksonville. On average, the following are the most low-cost policy providers based on your detail violation :
- Cheapest after a ticket: State Farm, $1,547 per year
- Cheapest after an at-fault accident: GEICO, $1,535 per year
- Cheapest after a DUI: State Farm, $1,1547 per year
If you have a history of driving violations on your record, your best bet is to work on improving your record over time. After a slate or a cable car accident, shop around for indemnity plans to see which companies offer the most low-cost rates .
Cheapest Car Insurance in Jacksonville With a Violation
Speeding ticket
- company Speeding Ticket
per year
- 1 .USAA
$849
- 2 .State Farm
$1,547
- 3 .Allstate
$1,907
- 4 .GEICO
$1,938
- 5 .MetLife
$2,121
- 6 .Travelers
$2,194
- 7. Allied
$2,354
- 8 .Mercury
$3,006
- 9 .Progressive
$3,237
Average Cost of Car Insurance in Jacksonville
Jacksonville
$1,739
Florida
$2,208
U.S.
$1,424
The average car insurance rate in Jacksonville is $ 1,739 per year, which is lower than the average state premium but higher than the national average. In comparison, the city ‘s premium is about 21.3 % lower than the $ 2,208 Florida average annual premium. however, drivers in Jacksonville pay approximately 22.1 % more than the $ 1,424 average annual price of car policy in the United States.
Personalized Quotes to Get You the Cheapest Car Insurance in Jacksonville
indemnity providers determine car indemnity quotes in Jacksonville using respective factors, including age, gender, credit score, make and model of the vehicle, driving history and ZIP code, among others. For exemplify, an 18-year-old male can get a GEICO policy for an average of $ 2,938 per year. however, the company will give a cheaper median annual rate of $ 1,115 for a 40-year-old male. It is significant to note that any changes in your circumstances will besides affect your car insurance annual premium. sol, it is best to get personalize quotes regularly .
Compare Car Insurance Rates in Jacksonville
see you ‘re getting the best rate for your car insurance. Compare quotes from the exceed indemnity companies. widget-location-pin
The Best Car Insurance Companies in Jacksonville
MoneyGeek ranked car policy companies in Jacksonville to find the best carriers that offer timbre serve and policies at a fair price. The best insurers in the city for most drivers are :
- GEICO: MoneyGeek score of 95 out of 100
- State Farm: MoneyGeek score of 85 out of 100
MoneyGeek ‘s scoring system gave USAA the highest possible grudge in Jacksonville. however, USAA is entirely available for military personnel, veterans and their families. MoneyGeek ‘s rate system factors in J.D. Power ’ s exploiter satisfaction, price and fiscal stability scores to arrive at the concluding rankings .
1
USAA
grade :
100
5/5 Affordability 5/5 Claims Ratings 5/5 User Satisfaction A++ fiscal stability 2
Esurance
mark :
95
5/5 Affordability 4/5 Claims Ratings 5/5 User Satisfaction A+ fiscal constancy 3
GEICO
grudge :
85
Read more: Cheap Auto Insurance – Douglasville, Georgia
3/5 Affordability 3/5 Claims Ratings 3/5 User Satisfaction A++ fiscal stability 4
Travelers
score :
85
3/5 Affordability 4/5 Claims Ratings 2/5 User Satisfaction A++ fiscal stability 5
MetLife
score :
82.5
3/5 Affordability 4/5 Claims Ratings 2/5 User Satisfaction A+ fiscal stability 6
Hartford
score :
82.5
2/5 Affordability 5/5 Claims Ratings 2/5 User Satisfaction A+ fiscal stability 7
Liberty Mutual
score :
80
3/5 Affordability 3/5 Claims Ratings 3/5 User Satisfaction A fiscal constancy 8
Auto-Owners Insurance Co
score :
80
3/5 Affordability 2/5 Claims Ratings 2/5 User Satisfaction A++ fiscal constancy 9
State Farm
score :
77.5
3/5 Affordability 3/5 Claims Ratings 3/5 User Satisfaction A- fiscal constancy 10
Nationwide
sexual conquest :
77.5
3/5 Affordability 2/5 Claims Ratings 2/5 User Satisfaction A+ fiscal constancy 11
Progressive
score :
75
2/5 Affordability 2/5 Claims Ratings 2/5 User Satisfaction A+ fiscal stability 12
Safeco
mark :
75
2/5 Affordability 3/5 Claims Ratings 2/5 User Satisfaction A fiscal stability
Average Cost of Car Insurance by Postal Code
Where you reside plays a big function in how much your car policy will cost. For example, average car indemnity rates in Jacksonville based on ZIP code range from $ 1,616 to $ 1,859 annually. Drivers living in the 32256 ZIP code have the most low-cost average annual premium, which is $ 242 lower than the most expensive neighborhood in terms of car coverage — 32218 .
- Zip Code State Minimum
per year
- 32256
$1,616
- 32246
$1,644
- 32225
$1,649
- 32257
$1,744
- 32210
$1,815
- 32244
$1,844
- 32218
$1,859
Factors That Impact Insurance Costs in Jacksonville
In summation to individual driver needs and history, location-specific factors like personal injury auspices coverage requirements and the share of uninsured motorists besides contribute to car insurance rates in Jacksonville. How Jacksonville ranks compared to the 300 most populous cities in the United States can have a significant shock on agio costs .
Most Accidents With Fatalities
33rd
/ 300
Most car Thefts
93rd
/ 300
Most uninsured Motorists by State
1st
/ 50
personal Injury Protection Required Yes
Most annual rain
34th
/ 300
Most showery Days
102nd
/ 300
Methodology and Assumptions
MoneyGeek ’ second average agio rates for Jacksonville are based on 100/300/100 comprehensive collision coverage with a $ 1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on coverage type, localization and drive record. Learn more about MoneyGeek ’ randomness data and methodology here. About the writer
Read more: Cheap Auto Insurance – Douglasville, Georgia
Mark Fitzpatrick is a aged capacity coach with MoneyGeek specializing in indemnity. Mark has years of have analyzing the insurance market and creating master research and message. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a chief of Arts .