Drivers in Jacksonville contend with hurricanes, tropical storms, flooding, excessive heat and high humidity. Couple the local weather with high traffic on Interstate 95 and long drive times across the sprawling city, and drivers have plenty of reasons to seek proper car insurance coverage.
We’ve gathered quote data from real Jerry customers in Jacksonville to show you how your age, location in the city and driving record can affect your premium costs.
Cheapest minimum coverage insurance in Jacksonville
Florida requires drivers to have the following minimum coverages:
- $10,000 in personal injury protection (PIP) coverage.
- $10,000 in property damage liability coverage.
Here are the average costs that insurers quote to Jacksonville drivers for minimum coverage, from cheapest to most expensive, according to quote data from local Jerry customers.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
City, State
|
|---|---|---|---|
| Safeco | $128 | $1,533 | Jacksonville, FL |
| Kemper | $134 | $1,612 | Jacksonville, FL |
| Mercury | $150 | $1,803 | Jacksonville, FL |
| Allstate | $173 | $2,072 | Jacksonville, FL |
| Gainsco | $192 | $2,299 | Jacksonville, FL |
| National General | $198 | $2,372 | Jacksonville, FL |
| Progressive | $202 | $2,420 | Jacksonville, FL |
| Bristol West | $222 | $2,664 | Jacksonville, FL |
| Embark General | $260 | $3,120 | Jacksonville, FL |
| The General | $270 | $3,237 | Jacksonville, FL |
If you have a loan or lease on your vehicle, the lender will require full coverage. You may also need full coverage under a GAP policy, which can help you pay off your loan if your car is totaled.
Cheapest full coverage insurance in Jacksonville
Jacksonville has seen its fair share of hurricanes over the years, and storms in the area can cause heavy winds, coastal water level surges and flooding. In these situations, the minimum coverage won’t protect your vehicle. Full coverage can help you if your vehicle is stolen or damaged in an accident, regardless of who is at fault.
This table shows the average full coverage insurance costs for Jacksonville drivers, from cheapest to most expensive, according to Jerry’s quote data.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
City, State
|
|---|---|---|---|
| State Auto | $175 | $2,098 | Jacksonville, FL |
| Nationwide | $175 | $2,103 | Jacksonville, FL |
| Safeco | $224 | $2,683 | Jacksonville, FL |
| Kemper | $250 | $2,999 | Jacksonville, FL |
| Electric | $258 | $3,094 | Jacksonville, FL |
| Mercury | $260 | $3,114 | Jacksonville, FL |
| Allstate | $266 | $3,191 | Jacksonville, FL |
| Plymouth Rock | $278 | $3,332 | Jacksonville, FL |
| Travelers | $293 | $3,518 | Jacksonville, FL |
| Clearcover | $311 | $3,736 | Jacksonville, FL |
Cheapest car insurance for young drivers in Jacksonville
Young drivers often pay higher car insurance premiums than older drivers because insurers often view their lack of experience on the road as a risk. Here’s what young drivers in Jacksonville can expect to pay, based on quote data from real Jerry customers.
|
Age Group
|
Avg Monthly Quote
|
Avg Annual Quote
|
City, State
|
|---|---|---|---|
| 18-20 | $412 | $4,949 | Jacksonville, FL |
| 21-24 | $382 | $4,579 | Jacksonville, FL |
Cheapest minimum coverage for 20-year-olds
These insurers offer the cheapest minimum coverage auto insurance for 20-year-olds in Jacksonville, according to quote data from Jerry.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
City, State
|
|---|---|---|---|
| Progressive | $250 | $3,001 | Jacksonville, FL |
| Gainsco | $274 | $3,288 | Jacksonville, FL |
| Assurance America | $285 | $3,422 | Jacksonville, FL |
| National General | $304 | $3,648 | Jacksonville, FL |
| Embark General | $343 | $4,121 | Jacksonville, FL |
Cheapest full coverage for 20-year-olds
These insurers offer the cheapest full coverage car insurance policies for 20-year-olds, according to Jerry’s quote data.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
City, State
|
|---|---|---|---|
| Gainsco | $590 | $7,081 | Jacksonville, FL |
| Assurance America | $673 | $8,071 | Jacksonville, FL |
| Progressive | $676 | $8,113 | Jacksonville, FL |
| National General | $723 | $8,671 | Jacksonville, FL |
| The General | $830 | $9,959 | Jacksonville, FL |
| Bristol West | $1,510 | $18,116 | Jacksonville, FL |
| Dairyland | $1,986 | $23,835 | Jacksonville, FL |
Cheapest car insurance costs for mature drivers in Jacksonville (25-54 years old)
Once you enter your late 20s and early 30s, car insurance starts to get cheaper, so it pays to start regularly rate shopping. Here are the rates more mature drivers can expect to pay in Jacksonville, according to Jerry’s quote data.
|
Age Group
|
Avg Monthly Quote
|
Avg Annual Quote
|
City, State
|
|---|---|---|---|
| 25-34 | $312 | $3,741 | Jacksonville, FL |
| 35-44 | $282 | $3,381 | Jacksonville, FL |
| 45-54 | $264 | $3,168 | Jacksonville, FL |
Cheapest minimum coverage for 36-year-olds
These insurers offer the cheapest quotes for minimum coverage car insurance to 36-year-olds in Jacksonville, according to Jerry’s data.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
City, State
|
|---|---|---|---|
| Aspire Advantage | $69 | $834 | Jacksonville, FL |
| Mercury | $142 | $1,704 | Jacksonville, FL |
| Assurance America | $155 | $1,857 | Jacksonville, FL |
| Safeco | $156 | $1,867 | Jacksonville, FL |
| National General | $167 | $2,009 | Jacksonville, FL |
Cheapest full coverage for 36-year-olds
These insurers provide the cheapest full coverage quotes to 36-year-olds in Jacksonville, according to Jerry’s data.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
City, State
|
|---|---|---|---|
| Safeco | $204 | $2,443 | Jacksonville, FL |
| Allstate | $240 | $2,885 | Jacksonville, FL |
| Mercury | $278 | $3,339 | Jacksonville, FL |
| Progressive | $308 | $3,696 | Jacksonville, FL |
| National General | $313 | $3,758 | Jacksonville, FL |
| Gainsco | $359 | $4,313 | Jacksonville, FL |
| Assurance America | $362 | $4,349 | Jacksonville, FL |
| Embark General | $420 | $5,045 | Jacksonville, FL |
| The General | $436 | $5,237 | Jacksonville, FL |
| Bristol West | $477 | $5,730 | Jacksonville, FL |
Cheapest car insurance for older drivers (55+ years old)
Age brings driving experience, which usually leads to lower premium costs. But as you enter your 60s, rates may start to increase. Here are the average rates for older Jacksonville drivers, based on data from Jerry customers.
|
Age Group
|
Avg Monthly Quote
|
Avg Annual Quote
|
City, State
|
|---|---|---|---|
| 55-64 | $240 | $2,881 | Jacksonville, FL |
| 65+ | $253 | $3,031 | Jacksonville, FL |
Cheapest minimum coverage for 65-year-olds
These insurers provide the lowest price quotes for 65-year-olds in Jacksonville, according to Jerry’s data.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
City, State
|
|---|---|---|---|
| National General | $121 | $1,457 | Jacksonville, FL |
| Progressive | $124 | $1,493 | Jacksonville, FL |
| Embark General | $127 | $1,527 | Jacksonville, FL |
| Assurance America | $140 | $1,677 | Jacksonville, FL |
| Bristol West | $147 | $1,763 | Jacksonville, FL |
Cheapest full coverage for 65-year-olds
Here are the companies that offer the cheapest full coverage policies to 65-year-olds in Jacksonville, based on Jerry’s quote data.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
City, State
|
|---|---|---|---|
| Safeco | $157 | $1,886 | Jacksonville, FL |
| Mercury | $191 | $2,297 | Jacksonville, FL |
| National General | $195 | $2,342 | Jacksonville, FL |
| Infinity | $219 | $2,624 | Jacksonville, FL |
| Progressive | $272 | $3,268 | Jacksonville, FL |
| Travelers | $337 | $4,040 | Jacksonville, FL |
| Dairyland | $360 | $4,316 | Jacksonville, FL |
| The General | $395 | $4,743 | Jacksonville, FL |
| Assurance America | $403 | $4,833 | Jacksonville, FL |
| Bristol West | $455 | $5,465 | Jacksonville, FL |
Cheapest car insurance for drivers with clean records in Jacksonville
A driving record free of claims and violations can ensure you’re getting the lowest premium possible. Here’s what drivers with spotless records can expect to pay on average, according to Jerry’s quote data.
|
Avg Monthly Quote
|
Avg Annual Quote
|
City, State
|
|---|---|---|
| $259 | $3,109 | Jacksonville, FL |
These insurers offer the lowest prices to Jacksonville drivers with claim-free records, according to Jerry’s data.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
City, State
|
|---|---|---|---|
| State Auto | $122 | $1,466 | Jacksonville, FL |
| Aspire Advantage | $125 | $1,494 | Jacksonville, FL |
| Nationwide | $147 | $1,762 | Jacksonville, FL |
| Kemper | $148 | $1,776 | Jacksonville, FL |
| Safeco | $197 | $2,359 | Jacksonville, FL |
| Mercury | $209 | $2,504 | Jacksonville, FL |
| Assurance America | $223 | $2,676 | Jacksonville, FL |
| Progressive | $229 | $2,743 | Jacksonville, FL |
| National General | $238 | $2,852 | Jacksonville, FL |
| Embark General | $238 | $2,853 | Jacksonville, FL |
Cheapest car insurance rates for drivers with low credit scores in Jacksonville
Insurers often charge higher rates to drivers with low credit scores. Here’s how Jacksonville drivers’ credit scores may affect their rates, according to Jerry’s quote data.
|
Credit Score
|
Avg Monthly Quote
|
Avg Annual Quote
|
City, State
|
|---|---|---|---|
| 550-659 | $310 | $3,714 | Jacksonville, FL |
| 660-750 | $298 | $3,576 | Jacksonville, FL |
| <550 | $349 | $4,192 | Jacksonville, FL |
| 750+ | $224 | $2,690 | Jacksonville, FL |
A low credit score usually leads to higher car insurance costs. These insurance companies provide the cheapest quotes to Jacksonville drivers with scores below 550, according to Jerry’s data.
|
Insurance Company
|
Credit Score
|
Avg Monthly Quote
|
Avg Annual Quote
|
City, State
|
|---|---|---|---|---|
| Safeco | <550 | $238 | $2,851 | Jacksonville, FL |
| Kemper | <550 | $244 | $2,924 | Jacksonville, FL |
| Allstate | <550 | $259 | $3,111 | Jacksonville, FL |
| Embark General | <550 | $267 | $3,205 | Jacksonville, FL |
| National General | <550 | $275 | $3,298 | Jacksonville, FL |
Cheapest car insurance for drivers with at-fault accidents in Jacksonville
An at-fault accident on your record can cause your rate to rise significantly. Here’s what a driver with an at-fault accident can expect to pay in Jacksonville, based on Jerry’s quote data.
|
Avg Monthly Quote
|
Avg Annual Quote
|
At-fault Accident on Record
|
City, State
|
|---|---|---|---|
| $314 | $3,762 | At Fault With Injury | Jacksonville, FL |
| $357 | $4,286 | At Fault With No Injury | Jacksonville, FL |
| $323 | $3,872 | Not At Fault | Jacksonville, FL |
Cheapest car insurance for drivers with at-fault accidents with no injury in Jacksonville
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
City, State
|
|---|---|---|---|
| Electric | $222 | $2,667 | Jacksonville, FL |
| Safeco | $228 | $2,732 | Jacksonville, FL |
| Embark General | $240 | $2,886 | Jacksonville, FL |
| Allstate | $246 | $2,958 | Jacksonville, FL |
| State Auto | $260 | $3,120 | Jacksonville, FL |
Cheapest car insurance for drivers with at-fault accidents with injury in Jacksonville
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
City, State
|
|---|---|---|---|
| Gainsco | $188 | $2,252 | Jacksonville, FL |
| Safeco | $207 | $2,482 | Jacksonville, FL |
| Assurance America | $253 | $3,038 | Jacksonville, FL |
| National General | $260 | $3,114 | Jacksonville, FL |
| The General | $295 | $3,542 | Jacksonville, FL |
Cheapest car insurance for drivers with speeding tickets in Jacksonville
A speeding ticket can cause your car insurance rate to spike, and the higher your speed, the more expensive your policy. Here’s what drivers with speeding tickets pay in Jacksonville on average, according to customer data collected by Jerry.
|
Violation Summary
|
Avg Monthly Quote
|
Avg Annual Quote
|
City, State
|
|---|---|---|---|
| Speeding over 15 | $379 | $4,552 | Jacksonville, FL |
| Speeding under 15 | $326 | $3,907 | Jacksonville, FL |
These insurers provide the most affordable insurance policies to Jacksonville drivers with speeding tickets on their records, according to Jerry’s quote data.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
City, State
|
|---|---|---|---|
| Clearcover | $85 | $1,019 | Jacksonville, FL |
| Aspen | $115 | $1,383 | Jacksonville, FL |
| Nationwide | $179 | $2,145 | Jacksonville, FL |
| Aspire Advantage | $181 | $2,170 | Jacksonville, FL |
| Safeco | $212 | $2,544 | Jacksonville, FL |
| Embark General | $227 | $2,720 | Jacksonville, FL |
| Mercury | $231 | $2,767 | Jacksonville, FL |
| Allstate | $241 | $2,897 | Jacksonville, FL |
| Anchor General | $243 | $2,915 | Jacksonville, FL |
| Electric | $264 | $3,165 | Jacksonville, FL |
Cheapest car insurance for drivers with DUIs in Jacksonville
A DUI is often cause for your insurance rates to rise. Here’s what drivers in Jacksonville who have DUIs on their records can expect to pay, according Jerry’s quote data.
|
Violation Summary
|
Avg Monthly Quote
|
Avg Annual Quote
|
City, State
|
|---|---|---|---|
| DUI | $248 | $2,980 | Jacksonville, FL |
These insurers offer the cheapest insurance quotes to Jacksonville drivers with DUIs, per Jerry’s customer quote data.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
City, State
|
|---|---|---|---|
| The General | $165 | $1,979 | Jacksonville, FL |
| Assurance America | $172 | $2,060 | Jacksonville, FL |
| Embark General | $179 | $2,147 | Jacksonville, FL |
| Infinity | $218 | $2,612 | Jacksonville, FL |
| National General | $233 | $2,796 | Jacksonville, FL |
| Progressive | $237 | $2,840 | Jacksonville, FL |
| Mercury | $246 | $2,951 | Jacksonville, FL |
| Dairyland | $299 | $3,586 | Jacksonville, FL |
| Bristol West | $421 | $5,049 | Jacksonville, FL |
