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Last updated: August 22, 2025Best Cheap Car Insurance in Jacksonville
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; it’s a great option for military-affiliated Jacksonville drivers.
- 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.
Our Top Picks for the Best Cheap Auto Insurance in Jacksonville
- Cheapest: GEICO
- Best for Safe Drivers: State Farm
- Best for High Risk Drivers: Travelers
- Best for Customer Satisfaction: Allstate
- Best for Military and Veterans: USAA
Compare the Best Cheap Auto Insurance in Jacksonville
| Company | Full Coverage Annual Avg. | Minimum Coverage Annual Avg. | Florida Customer Satisfaction |
| GEICO | $2,037 | $692 | Above average |
| State Farm | $2,304 | $744 | Above average |
| Travelers | $2,474 | $660 | Below average |
| Allstate | $3,743 | $1,057 | Above average |
| USAA | Data unavailable | Data unavailable | Above average |
| Jacksonville Average | $3,035 | $1,010 | – |
Detailed List of the Best Cheap Providers in Jacksonville
1. Cheapest - GEICO
What We Like Most:
- Cheapest rates on average for full coverage
- High customer satisfaction ratings for Florida
- User-friendly and award-winning mobile app
Why we chose it
GEICO’s rates are among the lowest in Jacksonville for full and minimum coverage. In addition to 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, drivers with a new vehicle, and more.
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. Note that GEICO does not underwrite its own home insurance, but will match you with one of its partners for a policy.
Jacksonville Pricing
| GEICO | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $170 | $58 |
| Annually | $2,037 | $692 |
| Difference from Jacksonville average | -33% | -31% |
2. Best for Safe Drivers - State Farm
What We Like Most:
- Strong customer service in Florida
- Discounts for safe drivers
- Good for bundling
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. State Farm offers a variety of discount opportunities for safe drivers, like its Drive Safe and Save program, which offers 10 percent off your premium for just signing up. This app-based program tracks driving habits, like braking, speed, and mileage, to calculate savings up to 30 percent. In addition, State Farm offers a wide array of discounts for students 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.
Jacksonville Pricing
| State Farm | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $192 | $62 |
| Annually | $2,304 | $744 |
| Difference from Jacksonville average | -24% | -26% |
>>RELATED: Take a look at our detailed comparison of GEICO vs. State Farm.
3. Best for High Risk Drivers - Travelers
What We Like Most:
- Cheapest rates for minimum coverage on average
- Discounts for bundling
- Good for drivers with less-than-perfect driving records
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 in Jacksonville and Florida overall, 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 has a special discount for drivers of hybrids or EVs. It also offers competitive rates for customers with a speeding ticket or accident on their driving records.
Jacksonville Pricing
| Travelers | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $206 | $55 |
| Annually | $2,474 | $660 |
| Difference from Jacksonville average | -18% | -35% |
4. Best for Customer Satisfaction - Allstate
What We Like Most:
- #1 for customer satisfaction in Florida
- Rewards and bonuses for safe driving
- Personalized service and support via their network of agents
Why we chose it
Allstate is one of the best-known and established insurance companies in the country. 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.
Who it’s best for
Allstate is best for safe drivers, households with students, and those who value the personalized experience of working with an agent.
Jacksonville Pricing
| Allstate | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $312 | $88 |
| Annually | $3,743 | $1,057 |
| Difference from Jacksonville average | +23% | +5% |
5. Best for Military and Veterans - USAA
What We Like Most:
- Consistently low rates
- Excellent customer service
- Discounts for military members storing their vehicles while deployed
Why we chose it
USAA earned top marks in J.D. Power’s customer satisfaction study, though it technically does not qualify to rank 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 nationally. For military members, veterans, and their families, it’s worth getting a quote.
Who it’s best for
USAA is best for (and only available to) military members, veterans, and their family members.
Jacksonville Best Cheap Picks – Detailed Customer Satisfaction Summary
| Company | J.D. Power Auto Insurance Study – Florida1 | CRASH Network Report Card2 | J.D. Power Claims Satisfaction3 | NAIC Complaint Index4 |
| GEICO | 660 | C- | 692 | 1.58 |
| State Farm | 639 | C- | 710 | 2.13 |
| Travelers | 620 | C | 684 | 0 |
| Allstate | 660 | D | 691 | 4.05 |
| USAA | 735 | D+ | 726 | 2.74 |
| Average | 635 (out of 1,000) | C+ | 697 (out of 1,000) | 1 |
| What the study measures | Customer satisfaction regionally, based on responses from over 40,000 customers | Claims handling and payment practices, based on an annual survey of collision repair shops | Satisfaction with the claims process, based on responses from nearly 10,000 customers who recently filed a claim | Consumer complaints relative to market share. The lower the score, the better |
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 Jacksonville Average | Monthly Jacksonville Average |
|---|---|---|
| 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 Jacksonville Average | Monthly Jacksonville Average |
|---|---|---|
| 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 |
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.5
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.6
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.
FAQs
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
At AutoInsurance.com, we evaluate auto insurance providers based on four key factors:
- Price (40%): 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
- Claims Handling (25%): A good claims handling process from an auto insurer is prompt, transparent, and efficient, with clear communication throughout, fair evaluation of damages, and timely payment or resolution. We assess claims practices through sources like the CRASH Network Insurer Report Card and J.D. Power’s Claims Satisfaction Report, and financial strength from sources like AM Best and S&P Ratings. Real-life customer experiences are included when available.
- Customer Experience (25%): We evaluate the ease of the customer journey, from getting a quote and purchasing a policy to making changes or accessing documents. We consider the availability and quality of both online and agent interactions, as well as the functionality of the company’s website and mobile app. Our sources include J.D. Power studies, the NAIC complaint index, BBB ratings, and app store reviews.
- Coverage Options (10%): We review each company’s coverage offerings and value providers with options beyond the state required minimums, like accident forgiveness, gap coverage, rideshare coverage, and more.
Read more about our ratings and methodology.
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
It’s Now a Buyer’s Market for Auto Insurance, J.D. Power Finds. J.D. Power. (2025, June 10).
https://www.jdpower.com/business/press-releases/2025-us-auto-insurance-studyTop Rated U.S. Car Insurance Companies for 2025. Crash Network. (2025).
https://www.crashnetwork.com/irc/Auto Insurance Repair Cycle Times Improve but Price Increases Take a Toll, J.D. Power Finds. J.D. Power. (2024, Oct 29).
https://www.jdpower.com/business/press-releases/2024-us-auto-claims-satisfaction-studyConsumer Insurance Search Results. NAIC. (2025).
https://content.naic.org/cis_refined_results.htmJacksonville Road Safety Overview. Safe Roads USA. (2025).
https://www.makeroadssafe.org/jacksonville-road-safety-overview/Florida Insurance Requirements. Florida Highway Safety and Motor Vehicles. (2025).
https://www.flhsmv.gov/insurance/
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