Cheapest Car Insurance Quotes in Jacksonville
Best cheap car insurance in Jacksonville
Cheapest full-coverage car insurance in Jacksonville: Geico
Geico has the cheapest full-coverage car insurance quotes in Jacksonville at $1,724 a year, or $144 a month. State Farm is the next-cheapest company at $160 a month.
Both Geico and State Farm offer a wide range of discounts that can help you to save money on your full-coverage insurance
Cheapest companies for full coverage
| Company | Annual rate | LendingTree score | |
|---|---|---|---|
 | Geico | $1,724 |  |
 | State Farm | $1,922 |  |
 | Travelers | $2,105 | |
 | UAIC | $2,716 |  |
 | Progressive | $3,357 |  |
 | Farmers | $4,717 | |
 | Allstate | $5,863 | |
Best cheap liability-only car insurance in Jacksonville: Geico
At $395 a year, or $33 a month, Geico also has Jacksonville’s cheapest liability car insurance rates. State Farm is the second-cheapest choice at $49 a month.
While Geico has cheaper rates for liability insurance
Florida law requires drivers to carry the state’s minimum required car insurance limits.
Cheapest company for minimum coverage
| Company | Annual rate |
|---|---|
| Geico | $395 |
| State Farm | $584 |
| Travelers | $659 |
| Farmers | $1,237 |
| Progressive | $1,455 |
| UAIC | $1,474 |
| Allstate | $2,346 |
Cheap auto insurance for Jacksonville teens: Geico
Teen drivers in Jacksonville get the cheapest rates from Geico for both liability ($947 a year) and full-coverage ($4,531 a year) car insurance.
Geico offers a 15% discount for students who get good grades, as well as a discount for young drivers who take a qualified driver’s safety course.
If you’re a parent looking for cheap car insurance for a young driver, consider adding them to your current policy. It will raise your rates, but it should still be cheaper than if you both had your own policies.
Cheapest companies for teen drivers
| Company | Liability-only | Full coverage |
|---|---|---|
| Geico | $947 | $4,531 |
| Travelers | $1,492 | $5,477 |
| State Farm | $1,587 | $5,685 |
| UAIC | $3,509 | $6,285 |
| Farmers | $4,131 | $15,895 |
| Allstate | $4,198 | $15,552 |
| Progressive | $4,841 | $13,284 |
Best Jacksonville car insurance after a speeding ticket: State Farm
If you’re a driver looking for cheap car insurance with a speeding ticket on your record in Jacksonville, State Farm has the lowest average rate of $2,073 a year, or $173 a month. Travelers is next at $215 a month.
State Farm has a few more discounts to choose from than Travelers, but the difference in the rates of the two companies is close enough that either company may be your cheapest choice after discounts are applied.
After getting a ticket in Jacksonville, you can expect your car insurance to go up around 18%.
Cheapest companies after a ticket
| Company | Annual rate |
|---|---|
| State Farm | $2,073 |
| Travelers | $2,583 |
| UAIC | $2,716 |
| Geico | $2,906 |
| Progressive | $4,502 |
| Farmers | $5,797 |
| Allstate | $5,863 |
Jacksonville’s cheapest car insurance after an accident: State Farm
State Farm has the cheapest rates for Jacksonville drivers looking for car insurance after an accident at around $2,238 a year, or $186 a month. Geico is the second-cheapest company at $197 a month.
The average driver in Jacksonville sees their car insurance rates go up 46% after an accident.
| Company | Annual rate |
|---|---|
| State Farm | $2,238 |
| Geico | $2,369 |
| Travelers | $2,861 |
| UAIC | $3,548 |
| Progressive | $5,012 |
| Farmers | $6,713 |
| Allstate | $10,076 |
Cheap insurance rates for teens with a bad driving record in Jacksonville: Geico
Geico is the cheapest car insurance company for Jacksonville teens with a ticket or accident on their record at $1,117 and $975 a year, respectively. State Farm is next at $1,744 and $1,915 a year.
Cheapest companies for teens with bad driving records
| Company | Ticket | Accident |
|---|---|---|
| Geico | $1,117 | $975 |
| State Farm | $1,744 | $1,915 |
| Travelers | $1,813 | $2,074 |
| UAIC | $3,509 | $4,363 |
| Allstate | $4,198 | $8,136 |
| Farmers | $4,980 | $5,276 |
| Progressive | $5,177 | $5,350 |
Best Jacksonville auto insurance rates after a DUI: Travelers
At $3,322 a year, or $277 a month, Travelers has the cheapest rates in Jacksonville for car insurance with a DUI. Geico is the next-cheapest option at $303 a month.
After a DUI, Jacksonville drivers see their rates go up around 57%.
Cheapest companies after a DUI
| Company | Annual rate |
|---|---|
| Travelers | $3,322 |
| Geico | $3,641 |
| Progressive | $4,121 |
| UAIC | $4,817 |
| Farmers | $5,414 |
| State Farm | $5,574 |
| Allstate | $8,252 |
Best cheap auto insurance in Jacksonville for drivers with bad credit: UAIC
Jacksonville drivers needing car insurance for bad credit find the cheapest rates with UAIC at $2,716 a year, or $226 a month. Geico comes in second with rates that average $268 a month.
Considering how many car insurance discounts Geico offers, it could be the cheapest option for you if you qualify for a few of them.
Jacksonville drivers with poor credit pay 88% more for car insurance than do drivers with good credit, on average.
Learn your credit score for free at LendingTree Spring before you shop for insurance.
Cheapest companies for drivers with poor credit
| Company | Annual rate |
|---|---|
| UAIC | $2,716 |
| Geico | $3,210 |
| Travelers | $4,207 |
| Progressive | $5,178 |
| Farmers | $6,411 |
| State Farm | $9,175 |
| Allstate | $11,159 |
Best car insurance companies in Jacksonville
State Farm and Geico are the best car insurance companies in Jacksonville based on their customer service and financial strength ratings.
State Farm has a higher J.D. Power customer satisfaction rating than Geico, though their financial strength is equal. Both companies offer several add-on coverages, but Geico’s mechanical breakdown insurance coverage is noteworthy. It covers costs from repairs if your vehicle breaks down, needs replacement parts or suffers other types of mechanical problems.
Jacksonville car insurance company ratings
| Company | J.D. Power* | AM Best | LendingTree |
|---|---|---|---|
| Allstate | 635 | A+ | |
| Farmers | 619 | A | |
| Geico | 637 | A++ | |
| Progressive | 622 | A+ | |
| State Farm | 657 | A++ | |
| Travelers | 616 | A++ | |
| UAIC | Not rated | Not rated | |
Jacksonville car insurance rates by ZIP code
The 32227 ZIP code of Jacksonville has the cheapest rates for car insurance in Jacksonville at an average of $2,870 a year. Residents in the 32208 ZIP code have the most expensive rates at $3,357 a year.
Where you live in Jacksonville is only one of the factors companies use to set your car insurance quote. Others include:
- Your age
- Car insurance limits you need
- The make and model of your car
- Your driving record
- Your car insurance claim record
Jacksonville insurance by ZIP code
| ZIP code | Annual rate |
|---|---|
| 32099 | $3,073 |
| 32202 | $3,302 |
| 32204 | $3,263 |
| 32205 | $3,294 |
| 32206 | $3,313 |
| 32207 | $3,312 |
| 32208 | $3,357 |
| 32209 | $3,315 |
| 32210 | $3,297 |
| 32211 | $3,279 |
| 32212 | $3,157 |
| 32216 | $3,019 |
| 32217 | $3,194 |
| 32218 | $3,191 |
| 32219 | $3,232 |
| 32220 | $3,196 |
| 32221 | $3,180 |
| 32222 | $3,142 |
| 32223 | $2,935 |
| 32224 | $2,902 |
| 32225 | $3,021 |
| 32226 | $3,091 |
| 32227 | $2,870 |
| 32233 | $2,910 |
| 32234 | $2,949 |
| 32244 | $3,132 |
| 32246 | $2,998 |
| 32250 | $2,902 |
| 32254 | $3,178 |
| 32256 | $2,875 |
| 32257 | $3,155 |
| 32258 | $2,872 |
| 32277 | $3,216 |
Minimum coverage for car insurance in Jacksonville
Jacksonville drivers need at least these types and amounts of car insurance coverage to drive legally in Florida:
- $10,000 property damage liability (PDL)
- $10,000 personal injury protection (PIP)
If you struggle to buy car insurance in Jacksonville, contact the Florida Automobile Joint Underwriting Association (FAJUA). The FAJUA program is in place to make sure that all Florida residents have at least the state-required amount of liability car insurance.
Methodology
LendingTree uses insurance rate data from Quadrant Information Services using publicly sourced insurance company filings. Rates are based on an analysis of hundreds of thousands of car insurance quotes for a typical driver. Prices are shown for comparative purposes only. Your own rates may be different.
Unless noted otherwise, quotes are for a full-coverage policy for a 30-year-old man with good credit and a clean driving record who drives a 2015 Honda Civic EX.
Minimum-liability policies provide liability coverage with the state’s required minimum limits.
Full-coverage policies include collision, comprehensive and liability coverage:
- Bodily injury liability: $50,000 per person, $100,000 per accident
- Property damage liability: $25,000
- Uninsured/underinsured motorist bodily injury: $50,000 per person and $100,000 per accident
- Personal injury protection: minimum limits, where required by law
- Collision: $500 deductible
- Comprehensive: $500 deductible
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Our team of insurance experts rated insurance companies based on several categories. These categories include average rates, discounts, coverage options, third-party customer service ratings and app/website experience. We weighted these categories based on what customers value in an insurance company.
For third-party customer service ratings, we included Complaint Index scores from the National Association of Insurance Commissioners (NAIC) and financial strength ratings from A.M. Best. NAIC Complaint Index scores are used to determine how satisfied customers are with their claims, while financial strength ratings from A.M. Best reflect the ability to pay out claims.