Cheap Car Insurance in Jacksonville, FL

Written by Xuyun Zeng and 1 other
Updated Jan 7, 2025
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Cheap Car Insurance in Jacksonville, FL

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Drivers in Jacksonville contend with hurricanes, tropical storms, flooding, excessive heat and high humidity. Combine 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
National General $208 $2,496 Jacksonville, FL
Progressive $219 $2,630 Jacksonville, FL
Bristol West $275 $3,301 Jacksonville, FL
Assurance America $295 $3,544 Jacksonville, FL
Mendota $318 $3,813 Jacksonville, FL
Infinity $330 $3,956 Jacksonville, FL
Dairyland $355 $4,254 Jacksonville, FL
The General $404 $4,849 Jacksonville, FL
Last Updated Feb 12, 2025

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.

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Cheapest full coverage insurance in Jacksonville

Storms in the Jacksonville 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
Safeco $309 $3,708 Jacksonville, FL
National General $311 $3,731 Jacksonville, FL
Progressive $319 $3,822 Jacksonville, FL
Dairyland $456 $5,466 Jacksonville, FL
Embark General $458 $5,494 Jacksonville, FL
Assurance America $461 $5,529 Jacksonville, FL
Bristol West $461 $5,533 Jacksonville, FL
Gainsco $476 $5,709 Jacksonville, FL
Mendota $526 $6,309 Jacksonville, FL
The General $556 $6,671 Jacksonville, FL
Last Updated Feb 10, 2025

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 $448 $5,382 Jacksonville, FL
21-24 $365 $4,375 Jacksonville, FL
Last Updated Feb 10, 2025

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
National General $260 $3,114 Jacksonville, FL
Infinity $261 $3,128 Jacksonville, FL
Gainsco $283 $3,402 Jacksonville, FL
Assurance America $307 $3,678 Jacksonville, FL
Embark General $308 $3,698 Jacksonville, FL
Last Updated Feb 12, 2025

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
Assurance America $673 $8,071 Jacksonville, FL
National General $679 $8,147 Jacksonville, FL
Gainsco $684 $8,207 Jacksonville, FL
Infinity $688 $8,250 Jacksonville, FL
Embark General $728 $8,738 Jacksonville, FL
Root $739 $8,863 Jacksonville, FL
Progressive $750 $8,999 Jacksonville, FL
Mendota $867 $10,405 Jacksonville, FL
The General $923 $11,072 Jacksonville, FL
Bristol West $1,135 $13,625 Jacksonville, FL
Last Updated Feb 12, 2025

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 $305 $3,655 Jacksonville, FL
35-44 $283 $3,401 Jacksonville, FL
45-54 $270 $3,236 Jacksonville, FL
Last Updated Feb 12, 2025

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
Dairyland $113 $1,357 Jacksonville, FL
National General $152 $1,829 Jacksonville, FL
Gainsco $184 $2,202 Jacksonville, FL
Embark General $193 $2,316 Jacksonville, FL
Last Updated Feb 12, 2025

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
National General $314 $3,763 Jacksonville, FL
Progressive $325 $3,895 Jacksonville, FL
The General $398 $4,779 Jacksonville, FL
Embark General $420 $5,045 Jacksonville, FL
Gainsco $435 $5,221 Jacksonville, FL
Bristol West $518 $6,213 Jacksonville, FL
Dairyland $522 $6,261 Jacksonville, FL
Assurance America $551 $6,617 Jacksonville, FL
Mendota $877 $10,521 Jacksonville, FL
Last Updated Feb 12, 2025

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 $237 $2,847 Jacksonville, FL
65+ $277 $3,323 Jacksonville, FL
Last Updated Feb 12, 2025

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
Progressive $121 $1,455 Jacksonville, FL
Gainsco $136 $1,636 Jacksonville, FL
The General $149 $1,787 Jacksonville, FL
Dairyland $157 $1,885 Jacksonville, FL
Assurance America $161 $1,937 Jacksonville, FL
Last Updated Feb 12, 2025

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
National General $195 $2,342 Jacksonville, FL
Progressive $266 $3,196 Jacksonville, FL
Dairyland $277 $3,322 Jacksonville, FL
Bristol West $544 $6,522 Jacksonville, FL
Last Updated Feb 12, 2025
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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
$264 $3,164 Jacksonville, FL
Last Updated Feb 12, 2025

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
Aspire Advantage $125 $1,494 Jacksonville, FL
Progressive $205 $2,464 Jacksonville, FL
National General $210 $2,518 Jacksonville, FL
Safeco $228 $2,737 Jacksonville, FL
Embark General $238 $2,860 Jacksonville, FL
Gainsco $245 $2,938 Jacksonville, FL
Aspen $252 $3,022 Jacksonville, FL
Dairyland $263 $3,151 Jacksonville, FL
Assurance America $266 $3,191 Jacksonville, FL
Bristol West $300 $3,599 Jacksonville, FL
Last Updated Feb 12, 2025

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 $298 $3,581 Jacksonville, FL
660-750 $289 $3,473 Jacksonville, FL
<550 $328 $3,934 Jacksonville, FL
750+ $246 $2,956 Jacksonville, FL
Last Updated Feb 12, 2025

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
Embark General <550 $257 $3,080 Jacksonville, FL
Progressive <550 $275 $3,304 Jacksonville, FL
Gainsco <550 $279 $3,353 Jacksonville, FL
National General <550 $284 $3,410 Jacksonville, FL
Safeco <550 $296 $3,556 Jacksonville, FL
Last Updated Feb 10, 2025

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
$261 $3,136 At Fault With Injury Jacksonville, FL
$344 $4,123 At Fault With No Injury Jacksonville, FL
$332 $3,981 Not At Fault Jacksonville, FL
Last Updated Feb 12, 2025

Cheapest car insurance for drivers with at-fault accidents with no injury in Jacksonville

Insurance Company
Avg Monthly Quote
Avg Annual Quote
City, State
Embark General $245 $2,937 Jacksonville, FL
National General $281 $3,370 Jacksonville, FL
Aspen $281 $3,374 Jacksonville, FL
Safeco $306 $3,674 Jacksonville, FL
Progressive $316 $3,795 Jacksonville, FL
Last Updated Feb 12, 2025

Cheapest car insurance for drivers with at-fault accidents with injury in Jacksonville

Insurance Company
Avg Monthly Quote
Avg Annual Quote
City, State
Assurance America $180 $2,160 Jacksonville, FL
Gainsco $189 $2,273 Jacksonville, FL
National General $202 $2,422 Jacksonville, FL
Embark General $221 $2,650 Jacksonville, FL
Progressive $230 $2,758 Jacksonville, FL
Last Updated Feb 12, 2025

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 $394 $4,733 Jacksonville, FL
Speeding under 15 $301 $3,615 Jacksonville, FL
Last Updated Feb 12, 2025

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
Aspire Advantage $61 $729 Jacksonville, FL
Anchor General $87 $1,040 Jacksonville, FL
Aspen $115 $1,383 Jacksonville, FL
Safeco $186 $2,230 Jacksonville, FL
Embark General $231 $2,768 Jacksonville, FL
National General $296 $3,552 Jacksonville, FL
Gainsco $313 $3,762 Jacksonville, FL
Bristol West $361 $4,328 Jacksonville, FL
Dairyland $364 $4,367 Jacksonville, FL
Progressive $374 $4,491 Jacksonville, FL
Last Updated Feb 12, 2025

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 $215 $2,576 Jacksonville, FL
Last Updated Feb 12, 2025

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 $175 $2,094 Jacksonville, FL
Embark General $179 $2,147 Jacksonville, FL
National General $185 $2,217 Jacksonville, FL
Assurance America $207 $2,487 Jacksonville, FL
Progressive $239 $2,869 Jacksonville, FL
Bristol West $384 $4,607 Jacksonville, FL
Last Updated Feb 12, 2025

Methodology

Data included in this analysis comes from policies that Jerry has quoted on or after Jan. 1, 2024. Jerry services 48 states and offers a range of insurance companies to choose from.

Over the past 12 months, 25% of drivers who switched with Jerry paid $85 or less per month. Not all customers find savings. Savings depend on state, policy features, coverage, driving history and other factors.

Editorial Note: This article was written by a paid member of Jerry’s editorial team. Statements in this article do not constitute advice or recommendations. You should consult with an insurance professional about your specific circumstances and needs before making any insurance decisions.