This content is powered by, a license policy manufacturer ( NPN : 8781838 ) and a corporate affiliate of LLC services are only available in states were it is licensed and policy coverage through may not be available in all states. All policy products are governed by the terms in the applicable policy policy, and all relate decisions ( such as approval for coverage, premiums, commissions and fees ) and policy obligations are the sole province of the cover insurance company. The information on this site does not modify any indemnity policy terms in any way. is an autonomous, advertising-supported publisher and comparison servicing. We are compensated in central for placement of sponsor products and, services, or by you clicking on certain links posted on our site. consequently, this compensation may impact how, where and in what holy order products appear within listing categories. early factors, such as our own proprietorship web site rules and whether a product is offered in your area or at your self-selected accredit score image can besides impact how and where products appear on this web site. While we strive to provide a across-the-board range offers, Bankrate does not include information about every fiscal or credit product or service. We ’ re guileless about how we are able to bring quality content, competitive rates, and useful tools to you by explaining how we make money. Bankrate follows a rigorous editorial policy, so you can trust that our capacity is honest and accurate. Our award-winning editors and reporters create honest and accurate content to help you make the right fiscal decisions. The contented created by our column staff is objective, actual, and not influenced by our advertisers.

You have money questions. Bankrate has answers. Our experts have been helping you master your money for over four decades. We continually strive to provide consumers with the adept advice and tools needed to succeed throughout life ’ s fiscal journey. Bankrate ’ s editorial team writes on behalf of YOU – the reader. Our finish is to give you the best advice to help you make ache personal finance decisions. We follow nonindulgent guidelines to ensure that our editorial content is not influenced by advertisers. Our editorial team receives no conduct compensation from advertisers, and our capacity is thoroughly fact-checked to ensure accuracy. so, whether you ’ re reading an article or a review, you can trust that you ’ re getting credible and dependable data. We value your trust.

Our mission is to provide readers with accurate and unbiased information, and we have editorial standards in place to ensure that happens. Our editors and reporters thoroughly fact-check editorial content to ensure the information you ’ rhenium read is accurate. We maintain a firewall between our advertisers and our column team. Our editorial team does not receive direct compensation from our advertisers. Bankrate follows a stern editorial policy, so you can trust that we ’ rhenium putting your interests first. Our award-winning editors and reporters create honest and accurate content to help you make the right fiscal decisions. All providers discussed on our site are vetted based on the rate they provide. And we constantly review our criteria to ensure we ’ re putting accuracy first base.

Our indemnity team is composed of agents, data analysts, and customers like you. They focus on the points consumers care about most — price, customer service, policy features and savings opportunities — so you can feel confident about which supplier is right for you. Bankrate follows a rigorous editorial policy, so you can trust that we ’ rhenium putting your interests first. All of our content is authored by highly modify professionals and reviewed by subject matter experts, who ensure everything we publish is objective, accurate and worthy of your trust. Founded in 1976, Bankrate has a long track record of helping people make smart fiscal choices. We ’ ve maintained this repute for over four decades by demystifying the fiscal decision-making procedure and giving people assurance in which actions to take future. While we adhere to strict editorial integrity, this station may contain references to products from our partners. here ‘s an explanation for how we make money.

This contentedness is powered by ( NPN : 8781838 ). For more information, please see our Insurance disclosure. Jacksonville, Florida, is known for doing things in a big way. not only is it the largest city in The Sunshine State, but it besides happens to be the largest city by state in the United States. unfortunately, premiums for even the cheapest car indemnity rates in Jacksonville are evenly boastfully — the annual premium for basic coverage averages $ 1,024 per year, well above the home cost of car policy, which is $ 565 for a minimal coverage.

If you are looking for a full coverage policy, it will cost you importantly more, with Jacksonville residents paying an average of $ 2,230 per year. With Florida being one of the most expensive states for car insurance, finding cheap car insurance in Jacksonville can be a challenge. But with a little research and comparison shopping, finding more low-cost coverage is possible. not entirely is it possible to find cheap rates, there are many car insurance companies offering a variety show of coverage options, extra premium discounts and on-line tools to make your policy even easier to manage .

Best car insurance companies in Jacksonville

Criteria such as customer atonement, fiscal ratings, average rates and digital assets for policyholders were all reviewed to determine 2022 ’ mho best cable car indemnity companies in Jacksonville with the cheapest rates. The coverage options and discounts available were besides reviewed to capture the overall benefits for drivers in the Jacksonville area .

Insurance company J.D. Power Score for overall customer satisfaction in Florida region AM Best financial rating Average annual premium for minimum coverage Average annual premium for full coverage
Allstate 851 / 1000 A+ $1,123 $2.416
Geico 846 / 1000 A++ $725 $1,903
MetLife 821/1000 A $1,252 $2,611
Progressive 834 / 1000 A+ $1,319 $2,448
State Farm 826 / 1000 A++ $805 $1,754


Allstate is known for making surely drivers are “ in good hands ” with the extensive number of policy customization options — even while on a nasty budget. Allstate features coverage options you do not always find with other car insurance carriers, including peculiarity areas like for drivers of classic cars, rideshare insurance, and even custom sound equipment coverage. Allstate besides has a number of discounts to offset the slightly higher bounty average of $ 2,416. Accident forgiveness and deductible Rewards® round out the options and can potentially lower your premiums. Allstate has a strong fiscal expectation with an A+ AM Best rate and an evenly impressive customer service rate. Allstate is the highest-ranking aircraft carrier in the Florida region included in the 2020 JD Power U.S. Auto Claims Satisfaction survey.


Geico offers Jacksonville residents a huge array of policy options, such as emergency wayside aid and car rental reimbursement. Geico besides has a mechanical breakdown option, which is alike to adding an extend guarantee to your car and is not frequently available through other carriers. Discounts available are besides varied, including multi-policy, homeownership, good grades and defensive tug. Jaxsons pay an average of $ 725 for a basic policy, but a full moon coverage choice averages $ 1,903 in annual premiums. Geico performs well with customer satisfaction and claims handling, with one of the highest rankings in the Southeast based on the 2020 JD Power U.S. Auto Claims Satisfaction survey. One of the reasons for senior high school customer service marks is because of the tools for policy management, including a highly-rated app, web site and 24/7 customer service. Geico has potent fiscal ratings and stability, including a superior AM Best A++ denounce and an AA+ S & P Global Rating .


This is the most expensive on our list, but MetLife offers plenty of likely ways of save, which may lower the price tag. Discounts include savings for safety features, auto-pay, commitment, and professional and organizational programs. There are besides safe driver, good scholar, defensive repel and low annual mileage discounts. If you bundle your home and car policy, MetLife will reward you with evening more discounts. coverage is exhaustive and heedful, offering addition protections like new car substitute, particular parts substitute, and enhanced rental car damage coverage. Though it receives mediocre scores for customer satisfaction, MetLife receives a solid A ( Excellent ) rat from AM Best for fiscal stability, so it ’ south proof that the company honors its claims. MetLife besides offers access to its repair and referral networks if you are in an accident .


Progressive modal rates of $ 1,319 for basic coverage and $ 2,448 are above the typical average for Jacksonville drivers. Although rates are higher, Progressive offers standard options including car rental reimbursement and emergency wayside aid and peculiarity coverage options such as gap indemnity and custom sound equipment coverage, which are not often available through other carriers. Progressive has strong fiscal ratings with an A+ from AM Best and an AA rat from S & P Global Index, which is another argue Progressive is a rival for best cable car indemnity in Jacksonville .

State Farm

State Farm offers some of the lowest rates of the carriers surveyed, with Jacksonville drivers paying an modal of $ 805 annually with State Farm. A full coverage policy costs an average of $ 1,754. In addition to gloomy rates, State Farm allows you to choose from a range of coverage options, including car rental reimbursement, roadside aid and rideshare coverage. Using State Farm ’ south available discounts, such as defensive driver, multi-policy and good scholar, allows you to achieve utmost savings with your premiums. State Farm offers more than brassy rates for drivers in Jacksonville. With a current A++ ( Superior ) AM Best evaluation and an AA denounce from S & P Global, it has the fiscal lastingness you want to see with an insurance carrier wave. technology and multiple on-line tools are available at your fingertips to manage your policy, plus the large agent network if you prefer working with a company in-person .

Cheapest car insurance in Jacksonville

The average cost of car insurance for wide coverage policy in Jacksonville is $ 2,230 per year, which is slenderly less than Florida ’ s statewide median of $ 2,364 per class. fortunately, carriers like Geico, State Farm and Allstate offer tied lower rates for drivers in Jacksonville. These three carriers all offer coverage options beyond the minimums, including comprehensive, collision, accident forgiveness, cable car rental reimbursement, and wayside aid. Discounts are across-the-board excessively, with savings opportunities from taking defensive drive courses, earning good grades to club affiliations and home possession. Progressive is another option for bum indemnity, although the rates in Jacksonville are average for Floridians. Our top picks all have hard fiscal ratings and offer the technology ( like highly-rated apps ) to support easy policy management on the go. not only are you getting competitive rates with these carriers, but each are well-positioned in the customer service ratings for the Florida region .

Insurance company Average annual premium for minimum coverage Average annual premium for full coverage
Allstate $1,123 $2,416
Geico $725 $1,903
MetLife $1,252 $2,611
Progressive $1,319 $2,448
State Farm $805 $1,754

Jacksonville insurance requirements

To meet Florida ’ s minimum coverage requirements for residents, drivers must carry :

  • Personal injury protection (PIP): $10,000. Also referred to as Florida No-Fault Insurance, this covers you, household members and car passengers that do not have their own PIP, regardless of who is at fault for the accident.
  • Property damage liability (PDL): $10,000 per accident. This is coverage that pays for damages you or your household family members cause to someone else’s property in an accident.

Although it might be tempting to keep the minimum requirements on your policy to stay within your budget, some people decide getting more coverage is more financially secure for them in the long race. For exemplar, the property damage liability prerequisite is $ 10,000 per accident. If you are involved in a cable car accident deemed your blame and you damage two or more cars, you could well exceed the $ 10,000 minimum. You would be responsible for the deviation and the amount could promptly balloon and cause extra fiscal adversity .

Car insurance discounts in Jacksonville

With Florida having some of the most expensive policy premiums in the nation, it pays to find as many discounts as possible. Look for the best car insurance discounts available in Jacksonville, such as :

  • Defensive driving courses: If you take an online or in-person approved defensive driving course with Geico for instance, you could receive an additional 10%discount on your premiums.
  • Policy bundling: If you have another policy with the same carrier, be sure to inquire about additional discounts by adding auto insurance.
  • Multi-car: Adding more than one car to the policy brings additional savings. For example, with Progressive if you have more than one vehicle you receive an additional 10% discount.
  • Good student: Teen drivers and college students can qualify for extra savings with good grades.

By maintaining a clean drive record, you might be eligible for a adept driver discount. This dismiss is significant, saving around 26 % for drivers who remain accident-free for a intend period of prison term .

Frequently asked questions

What is the best car insurance company?

Ultimately, the best car insurance company all depends on you and your needs.
overall, Geico has the lowest rates for cheap car indemnity in Jacksonville. Our picks for the best car insurance companies in Jacksonville are a bang-up invest to start the shop process. In addition to the low rates, be certain to consider factors like fiscal military capability and stability, digital policy management tools, and coverage options. Strong customer service ratings for the Florida region should besides contribute to your decision. Be surely to receive respective quotes, so you can compare options to find your best match .

How much does car insurance in Jacksonville cost?

Cable car indemnity in Jacksonville has an across-the-board crop of rates. The average annual premium for a basic policy is $ 1,024, while a broad coverage policy averages $ 2,230 per year.


Bankrate utilizes Quadrant Information Services to analyze 2022 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a cleaning drive record, dependable accredit and the following full coverage limits :

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimal coverages that meet each state of matter ’ randomness requirements. Our sample drivers own a 2019 Toyota Camry, permute five days a workweek and drive 12,000 miles annually. These are sample rates and should be used for relative purposes only. Your quotes may be different.

Leave a Reply

Your email address will not be published. Required fields are marked *