Jacksonville Car Insurance: Best Cheap Rates (2022)

Home Media’s review team took a detailed look at car insurance costs in Jacksonville, Florida. In our research, we used data compiled by Quadrant Information Services to explore average fares for different driver profiles. If you’re looking for the cheapest auto insurance in Jacksonville, we recommend getting quotes from agencies nationwide. best car insurance businesses.

Cheapest auto insurance in Jacksonville

Our research revealed that Geico, State Farm, Travelers, Farmers, and Mercury Insurance generally have the cheapest rates for car insurance in Jacksonville.

Cheapest auto liability insurance in Jacksonville

In Jacksonville, we found that Geico and State Farm on average offer the cheapest minimum coverage in the state. Geico charges on average $36 per month Where $437 per yearwhile State Farm costs $59 per month Where $703 per year medium.

Each state sets its own minimum auto insurance requirements. Florida requires drivers to carry at least $10,000 in property damage liability insurance and $10,000 in Personal Injury Protection (PIP insurance). Florida drivers do not need to carry bodily injury liability insurance.

Cheapest Full Coverage Car Insurance in Jacksonville

Geico and State Farm tend to offer the cheapest comprehensive auto insurance in Jacksonville, with Geico averaging $129 per month Where $1,547 per year and State Farm on average $141 per month Where $1,692 per year.

The most expensive comprehensive insurance in Jacksonville on average comes from Direct Auto Insurance, which offers policies that cost $280 per month Where $3,357 per year medium.

Full coverage policies combine the state’s minimum liability coverage with collision damage waiver and Back to back insurance.

Auto Insurance Quotes in Jacksonville

Insurers calculate car insurance quotes by taking into account a number of factors, including your age, marital status, gender and driving record. Below are the average rates based on each of these factors.

Cheapest Car Insurance in Jacksonville: Age and Marital Status

Your age has a significant impact on the amount you pay for insurance coverage. Teen Drivers typically pay significantly more than older, more experienced drivers because providers view them as higher risk.

Your marital status also affects your insurance rates. Married drivers tend to pay less for their car insurance than single drivers.

The table below shows the average annual rates for 24-year-old single drivers and 35-year-old married drivers in Jacksonville. Married 35-year-old drivers generally pay less for comprehensive car insurance.

Jacksonville Cheapest Car Insurance: Sex

On average, insurance premiums for men and women tend to be similar. In Jacksonville, the cost difference for male and female drivers is often less than $100.

Below is a table showing the average annual full insurance rates for 35 year old male and female drivers. Geico tends to offer the cheapest rates for both groups in Jacksonville.

Cheapest Car Insurance in Jacksonville: High-Risk Drivers

Insurers weigh heavily on your driving history when calculating car insurance rates. Drivers with a speeding ticket, at-fault car accident, or recent DUI can pay hundreds of dollars more for auto insurance each year.

In the sections below, we’ll look at how each driving violation affects average full-coverage insurance rates.

Jacksonville Car Insurance Prices: Speeding

According to our data, State Farm and Travelers, on average, have the cheapest fares for Jacksonville drivers with recent speeding tickets. State Farm Averages $164 per month Where $1,962 per yearwhile Travelers charges on average $204 per month Where $2,451 per year.

Jacksonville Car Insurance Prices: At-Fault Accident

In Jacksonville, an at-fault accident on your record can cause your auto insurance premiums to skyrocket. Based on our research, State Farm and Geico offer inexpensive car insurance to Jacksonville drivers with accidents on their record. Average State Farm rates are $175 per month Where $2,098 annually. Geico charges on average $175 per month Where $2,103 per year.

Car Insurance Prices in Jacksonville: DUI

Jacksonville auto insurance for motorists with a recent DUI is not as expensive as coverage in other Florida cities, such as Tampa or Miami. State Farm and Geico offer the cheapest average rates for Jacksonville motorists with a DUI, with State Farm at $164 per month Where $1,962 per year and Geico at $217 per month Where $2,602 per year.

Average cost of auto insurance in Jacksonville

According to our data, the average cost of comprehensive car insurance in Jacksonville is $214 per month Where $2,562 per year. The national average is $144 per month or $1,730 per year, making Jacksonville auto insurance approximately 48% more expensive. These averages are based on a 35-year-old married driver with good credit and a clean driving record.

Jacksonville Car Insurance Prices: What Affects Them?

Auto insurance agents consider several factors when calculating auto insurance quote. Some of these factors, like your credit score and location, are within your control, while others are not. Understanding which factors you have the power to change can help you get the best auto insurance rates.

Here are some of the factors that affect auto insurance rates:

  • Location
  • Age
  • Driving records
  • credit history
  • Genre
  • Marital status
  • vehicle
  • Coverage options selected

Cheap car insurance in Jacksonville: conclusion

Auto insurance in Florida is one of the most expensive in the country on average, and Jacksonville is no exception. Although insurance in the city is about 48% higher than the national average, drivers can generally find affordable auto insurance from Geico, State Farm, Travelers, Farmers, and Mercury.

Cheapest car insurance in Jacksonville: FAQs

Below are frequently asked questions about car insurance in Jacksonville:

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