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Last updated: July 19, 2025
Best Cheap Car Insurance in Jacksonville, Florida
In Jacksonville, GEICO has the lowest average rate for full coverage, and Travelers has the lowest average rate for minimum coverage.
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Key Takeaways
- State Farm, GEICO and Travelers have the cheapest auto insurance in Jacksonville, on average. State Farm and GEICO also score well for customer satisfaction in Florida, making them strong choices for auto insurance in Florida.
- USAA earned top marks in customer satisfaction in Florida, making it a strong choice for military-affiliated Jacksonville drivers who value personalized service.
- On average, full coverage auto insurance in Jacksonville costs $3,035 annually, and minimum coverage runs $1,010 annually.
- Car insurance in Jacksonville is expensive due to a number of factors. In addition to being located in a high-risk hurricane zone, Jacksonville is Florida’s largest and most populous city, accounting for a high number of accidents. Florida’s no-fault insurance system also leads to higher insurance costs.
Cheapest Full Coverage Car Insurance in Jacksonville
GEICO offers the cheapest full coverage auto insurance in Jacksonville, with an average annual premium of $2,037, or $170 per month. That’s approximately 33 percent cheaper than the city average of $3,035, or $253 per month. State Farm, Travelers and Nationwide also offer rates below the city average.
| Company | Annual full coverage | Monthly full coverage |
|---|---|---|
| GEICO | $2,037 | $170 |
| State Farm | $2,304 | $192 |
| Travelers | $2,474 | $206 |
| Nationwide | $2,523 | $210 |
| Mercury | $3,224 | $269 |
| Allstate | $3,743 | $312 |
| Progressive | $3,912 | $326 |
| Jacksonville average | $3,035 | $253 |
| Florida average | $3,268 | $272 |
| National average | $2,399 | $200 |
Cheapest Minimum Coverage Car Insurance in Jacksonville
Travelers offers the cheapest minimum coverage in Jacksonville, with an average annual rate of $660 per year, or $55 per month — almost 35 percent less than the city average of $1,010 annually, or $84 monthly. GEICO is a close second, with an average annual rate of $692 ($58 per month).
| Company | Annual full coverage | Monthly full coverage |
|---|---|---|
| Travelers | $660 | $55 |
| GEICO | $692 | $58 |
| State Farm | $744 | $62 |
| Mercury | $752 | $63 |
| Allstate | $1,057 | $88 |
| Progressive | $1,266 | $106 |
| Jacksonville average | $1,010 | $84 |
| Florida average | $1,589 | $132 |
| National average | $635 | $53 |
Best Cheap Car Insurance Providers in Jacksonville
State Farm, GEICO and Travelers offer the cheapest auto insurance in Jacksonville across the board. State Farm and GEICO also score well in J.D. Power’s customer satisfaction studies, making these insurers strong all-around picks for cheap auto insurance in Florida. Although Travelers has below-average J.D. Power scores, it received a higher grade than State Farm and GEICO on the CRASH Network Insurer Report Card, which measures how well auto insurers are rated by collision repair professionals. Here’s a breakdown of how these providers compare:
State Farm
- Why we chose it: State Farm is a solid choice for drivers in Jacksonville. It scored 13 points above average in J.D. Power’s claims satisfaction study and several points above average in its customer satisfaction study for Florida. In addition, State Farm offers a wide array of discounts for students, safe drivers and those looking to bundle policies.
- Who it’s best for: State Farm is a great choice if you enjoy the personalized experience of working with a local agent. It’s also a smart option for young drivers, rideshare drivers, safe drivers, and those looking to bundle policies.
| Category | State Farm average | Difference from Jacksonville average |
|---|---|---|
| Full coverage | $2,304 | -24% |
| Minimum coverage | $744 | -26% |
GEICO
- Why we chose it: In addition to offering low rates, GEICO scored 25 points above average in J.D. Power’s customer satisfaction study in Florida, tying Allstate for first place. GEICO also offers a variety of discounts for students, active or retired federal government employees, and drivers with a new vehicle.
- Who it’s best for: GEICO is best for safe drivers with a clean record and those who prefer to manage and file their claims through a mobile app or online.
RELATED:
Take a look at our detailed comparison of GEICO vs. State Farm.
| Category | GEICO average | Difference from Jacksonville average |
|---|---|---|
| Full coverage | $2,037 | -33% |
| Minimum coverage | $692 | -31% |
Travelers
- Why we chose it: Even though it scored below average in J.D. Power’s claims and customer satisfaction studies, we chose Travelers for its cheap rates. The company consistently ranks among the cheapest car insurance providers, especially for drivers with some dings on their records.
- Who it’s best for: Travelers is an economic choice for those looking to bundle and insure multiple cars. It also offers competitive rates for customers with less-than-perfect driving records.
| Category | Travelers average | Difference from Jacksonville average |
|---|---|---|
| Full coverage | $2,474 | -18% |
| Minimum coverage | $660 | -35% |
Jacksonville Best Cheap Picks — Customer Satisfaction Summary
| Report | What it measures | GEICO score | State Farm score | Travelers score |
| J.D. Power Auto Insurance Study – Florida1 | Customer satisfaction regionally, based on responses from over 40,000 customers | 660 out of 1,000 (25 points above average) | 639 out of 1,000 (4 points above average) | 620 out of 1,000 (15 points below average) |
| CRASH Network Insurer Report Card2 | Claims handling and payment practices, based on an annual survey of collision repair shops | C- | C- | C |
| J.D. Power Claims Satisfaction Study3 | Satisfaction with the claims process, based on responses from nearly 10,000 customers who recently filed a claim | 692 out of 1,000 (5 points below average) | 710 out of 1,000 (13 points above average) | 684 out of 1,000 (13 points below average) |
| NAIC Complaint Index | Consumer complaints relative to market share; the lower the score, the better (1 is considered average) | 1.58 | 0.86 | 0.67 |
Honorable Mentions
USAA
USAA earned top marks in J.D. Power’s customer satisfaction study, though it technically does not qualify to rank, likely due to its eligibility requirements. The company scored 100 points above average, making it the highest-ranked auto insurer in Florida for customer satisfaction. While data on average USAA rates in Jacksonville isn’t available, it tends to have lower-than-average premiums. For military members, veterans, and their families, it’s worth getting a quote.
Allstate
Allstate is one of the best-known and established insurance companies. Although Allstate tends to have higher rates than State Farm, GEICO and Travelers, it scored 25 points above average in J.D. Power’s customer satisfaction study in Florida, tying GEICO for first. With a wide range of discounts and rewards for safe driving, like the Deductible Rewards program, Allstate is a solid choice for Jacksonville drivers to consider.
How many car accidents happen in Jacksonville?
Jacksonville is Florida’s largest and most populous city. Nearly 4.4 percent of Floridians live in Jacksonville, which accounts for the high number of accidents. In 2023, Jacksonville reported 33,960 car crashes, which resulted in 154 deaths and 493 severe injuries. On average, Jacksonville experiences over 25,400 car accidents per year, with crashes steadily increasing every year.
Common causes of traffic accidents in Jacksonville include lane departures, intoxicated driving, speeding, distracted driving, failure to yield the right of way, tailgating, and running a red light. Over 62 percent of accidents in Jacksonville happen at intersections. Some of the most dangerous roads and intersections in Jacksonville are Main Street and State Street, University Boulevard, and Cassat Avenue and Lane Avenue.4
Minimum Auto Insurance Requirements in Jacksonville
Florida is a no-fault state, which means that after a car accident, each driver’s own insurance company pays for their respective damages, regardless of who is at fault. In Jacksonville, all drivers are required to carry personal injury protection (PIP) and property damage liability (PDL) with the following minimum limits:
- Personal injury protection: $10,000
- Property damage liability: $10,000
PIP covers your medical expenses, lost wages and other injury-related costs, while PDL pays for damage you cause to another person’s vehicle or property.5
FYI:
Hurricane damage is covered only if you have comprehensive coverage. While no state mandates comprehensive coverage, it is highly recommended in a city like Jacksonville, which is located in a high-risk hurricane zone.
Frequently Asked Questions
What factors influence the cheapest auto insurance options in Jacksonville?
Your driving record, age, vehicle type, coverage needs, credit score, location and annual mileage all play a part in determining your auto insurance rate. Because each insurance company weighs these factors differently and offers its own array of discounts, it’s savvy to shop around and compare quotes to find the right coverage for your unique driver profile.
What role does credit score play in determining low-cost policies in Jacksonville?
In Jacksonville, insurance companies are allowed to consider your credit score to calculate your premium. The higher your credit score, the lower your rate will be. Insurers tend to see drivers with strong credit as more responsible and less likely to file claims, while those with lower scores are viewed as a higher risk.
How do ZIP codes within Jacksonville affect auto insurance costs?
Your ZIP code within Jacksonville has a direct impact on your premium. Insurance companies use ZIP codes to assess local risk factors, like accident frequency, theft rates, vandalism, traffic density and availability of secure parking. Higher-risk areas tend to see higher premiums, while neighborhoods with fewer incidents and more secure parking options tend to have lower rates. For example, ZIP code 32225 sits on the higher end of the rate spectrum, while 32099 is on the lower end.
Why is Florida auto insurance so high?
Florida is one of the most expensive states for car insurance. The average cost of full coverage auto insurance in Florida is 36 percent higher than the national average. Factors that contribute to Florida’s high rates include the state’s frequent hurricanes, higher-than-average accident rate, and Florida’s car insurance laws, like the state’s no-fault insurance system.
Methodology
We analyzed average premiums for full and minimum coverage in Jacksonville, Florida, for good drivers with good credit. Full coverage averages use the following limits:
- Bodily injury liability: $100,000 per person/$300,000 per accident
- Property damage liability: $100,000 per accident
- PIP: $10,000
- Uninsured and underinsured motorist bodily injury: $100,000 per person/$300,000 per accident
- Comprehensive and collision: $500 deductible
We assess customer satisfaction and claims practices through third-party sources such as J.D. Power, CRASH Network, and the National Association of Insurance Commissioners (NAIC).
Staff Writer
Tracy S. Lee holds over 10 years of professional experience in writing, research, and storytelling for brands and individuals. She understands that the world of auto insurance can feel intimidating, like learning a new language, and she is committed to empowering consumers to ask more questions and to find the best protection and coverage to suit their specific needs. Tracy received a B.A. in Creative Writing at NYU’s Gallatin School of Individualized Studies.
Citations
2025 U.S. Auto Insurance Study. J.D. Power. (2025, June 10).
https://www.jdpower.com/business/press-releases/2025-us-auto-insurance-study2025 Insurer Report Card. CRASH Network. (2025).
https://www.crashnetwork.com/irc/2024 U.S. Auto Claims Satisfaction Study. J.D. Power. (2024, October 29).
https://www.jdpower.com/business/press-releases/2024-us-auto-claims-satisfaction-studyJacksonville Road Safety Overview. Safe Roads USA. (2025).
https://www.makeroadssafe.org/jacksonville-road-safety-overview/Florida Vehicle Insurance Requirements. Florida Department of Highway Safety and Motor Vehicles. (2025).
https://www.flhsmv.gov/insurance/
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