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 cost of car insurance that insurers quote to Jacksonville drivers for minimum coverage, from cheapest to most expensive, according to quote data from local Jerry customers.
More: Get cheap car insurance the smart way, today
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
City, State
|
|---|---|---|---|
| National General | $73 | $876 | Jacksonville, FL |
| Bristol West | $87 | $1,041 | Jacksonville, FL |
| The General | $87 | $1,046 | Jacksonville, FL |
| ROOT | $89 | $1,065 | Jacksonville, FL |
| Embark General | $109 | $1,307 | Jacksonville, FL |
| Dairyland | $112 | $1,349 | Jacksonville, FL |
| First Acceptance | $119 | $1,428 | Jacksonville, FL |
| Gainsco | $124 | $1,483 | Jacksonville, FL |
| Infinity | $124 | $1,488 | Jacksonville, FL |
| Assurance America | $154 | $1,853 | Jacksonville, FL |
If you have a loan or lease on your vehicle, the lender will require
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
|
|---|---|---|---|
| Aspire Advantage | $144 | $1,724 | Jacksonville, FL |
| Mercury | $174 | $2,090 | Jacksonville, FL |
| Trexis | $188 | $2,253 | Jacksonville, FL |
| The General | $212 | $2,538 | Jacksonville, FL |
| National General | $225 | $2,704 | Jacksonville, FL |
| Embark General | $245 | $2,939 | Jacksonville, FL |
| Gainsco | $246 | $2,954 | Jacksonville, FL |
| Clearcover | $263 | $3,156 | Jacksonville, FL |
| Bristol West | $296 | $3,550 | Jacksonville, FL |
| Safeco | $296 | $3,555 | Jacksonville, FL |
Estimate car insurance costs
Enter your ZIP code to see what Jerry customers have been quoted for full coverage, on average.
Average monthly quote:Methodology
Jerry's editorial team analyzed Jerry customer quotes to find the median full coverage quote, by ZIP code. We looked at customers driving popular vehicles, including the Ford-150, Honda Accord, Nissan Altima, RAM 1500, Toyota Camry and Toyota RAV4 . We also used the following base driver profile:
- 35-45 years old.
- Clean driving record.
- $50,000 in bodily injury liability, per person.
- $100,000 in bodily injury liability, per accident.
- $1,000 deductible for comprehensive and collision insurance.
More: Best car insurance companies
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 | $494 | $5,931 | Jacksonville, FL |
| 21-24 | $346 | $4,152 | Jacksonville, FL |
More: Best car insurance in Florida
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
|
|---|---|---|---|
| ROOT | $120 | $1,434 | Jacksonville, FL |
| The General | $123 | $1,479 | Jacksonville, FL |
| National General | $127 | $1,520 | Jacksonville, FL |
| Bristol West | $135 | $1,615 | Jacksonville, FL |
| Embark General | $176 | $2,115 | 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
|
|---|---|---|---|
| The General | $330 | $3,956 | Jacksonville, FL |
| National General | $378 | $4,539 | Jacksonville, FL |
| Embark General | $390 | $4,676 | Jacksonville, FL |
| Gainsco | $434 | $5,211 | Jacksonville, FL |
| ROOT | $437 | $5,248 | Jacksonville, FL |
| Bristol West | $494 | $5,931 | Jacksonville, FL |
| Assurance America | $669 | $8,028 | Jacksonville, FL |
| Dairyland | $874 | $10,493 | Jacksonville, FL |
| Progressive | $907 | $10,881 | Jacksonville, FL |
| Mendota | $910 | $10,917 | 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 | $283 | $3,392 | Jacksonville, FL |
| 35-44 | $238 | $2,856 | Jacksonville, FL |
| 45-54 | $235 | $2,818 | Jacksonville, FL |
More: Cheapest car insurance in Florida
Cheapest minimum coverage for 36-year-olds
These insurers offer the cheapest car insurance 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
|
|---|---|---|---|
| National General | $68 | $812 | Jacksonville, FL |
| Geico | $78 | $931 | Jacksonville, FL |
| Bristol West | $78 | $936 | Jacksonville, FL |
| ROOT | $92 | $1,107 | Jacksonville, FL |
| The General | $95 | $1,141 | 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
|
|---|---|---|---|
| National General | $196 | $2,350 | Jacksonville, FL |
| The General | $212 | $2,548 | Jacksonville, FL |
| Gainsco | $215 | $2,576 | Jacksonville, FL |
| Embark General | $217 | $2,602 | Jacksonville, FL |
| Safeco | $261 | $3,129 | Jacksonville, FL |
| Bristol West | $263 | $3,159 | Jacksonville, FL |
| ROOT | $296 | $3,547 | Jacksonville, FL |
| Infinity | $297 | $3,562 | Jacksonville, FL |
| Assurance America | $324 | $3,883 | Jacksonville, FL |
| Progressive | $377 | $4,524 | 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 seniors in Jacksonville, based on data from Jerry customers.
|
Age Group
|
Avg Monthly Quote
|
Avg Annual Quote
|
City, State
|
|---|---|---|---|
| 55-64 | $219 | $2,632 | Jacksonville, FL |
| 65+ | $217 | $2,599 | 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
|
|---|---|---|---|
| Geico | $42 | $498 | Jacksonville, FL |
| National General | $67 | $802 | Jacksonville, FL |
| Gainsco | $75 | $903 | Jacksonville, FL |
| The General | $78 | $934 | Jacksonville, FL |
| Bristol West | $83 | $997 | 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
|
|---|---|---|---|
| Gainsco | $182 | $2,185 | Jacksonville, FL |
| Embark General | $189 | $2,267 | Jacksonville, FL |
| The General | $214 | $2,573 | Jacksonville, FL |
| Assurance America | $232 | $2,782 | Jacksonville, FL |
| Geico | $250 | $3,002 | Jacksonville, FL |
| National General | $260 | $3,116 | Jacksonville, FL |
| Bristol West | $265 | $3,186 | Jacksonville, FL |
| Safeco | $275 | $3,299 | Jacksonville, FL |
| ROOT | $336 | $4,027 | Jacksonville, FL |
| Dairyland | $339 | $4,065 | 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
|
|---|---|---|
| $266 | $3,193 | 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
|
|---|---|---|---|
| Aspire Advantage | $96 | $1,146 | Jacksonville, FL |
| The General | $148 | $1,776 | Jacksonville, FL |
| Mercury | $148 | $1,778 | Jacksonville, FL |
| Trexis | $161 | $1,928 | Jacksonville, FL |
| National General | $174 | $2,087 | Jacksonville, FL |
| Embark General | $182 | $2,186 | Jacksonville, FL |
| Gainsco | $201 | $2,413 | Jacksonville, FL |
| Geico | $235 | $2,821 | Jacksonville, FL |
| Bristol West | $244 | $2,926 | Jacksonville, FL |
| Assurance America | $246 | $2,952 | 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 | $297 | $3,560 | Jacksonville, FL |
| 660-750 | $291 | $3,496 | Jacksonville, FL |
| <550 | $336 | $4,030 | Jacksonville, FL |
| 750+ | $200 | $2,399 | 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.
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
|
|---|---|---|---|
| $236 | $2,827 | At Fault With Injury | Jacksonville, FL |
| $343 | $4,115 | At Fault With No Injury | Jacksonville, FL |
| $320 | $3,838 | 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
|
|---|---|---|---|
| ROOT | $277 | $3,327 | Jacksonville, FL |
| National General | $279 | $3,343 | Jacksonville, FL |
| Gainsco | $314 | $3,770 | Jacksonville, FL |
| Dairyland | $339 | $4,074 | Jacksonville, FL |
| Bristol West | $340 | $4,086 | 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 | $183 | $2,190 | Jacksonville, FL |
| National General | $192 | $2,306 | Jacksonville, FL |
| Assurance America | $214 | $2,566 | Jacksonville, FL |
| Bristol West | $246 | $2,953 | Jacksonville, FL |
| Embark General | $248 | $2,978 | 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 | $369 | $4,432 | Jacksonville, FL |
| Speeding under 15 | $343 | $4,121 | 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
|
|---|---|---|---|
| Aspire Advantage | $80 | $962 | Jacksonville, FL |
| ROOT | $277 | $3,319 | Jacksonville, FL |
| Gainsco | $280 | $3,363 | Jacksonville, FL |
| Safeco | $282 | $3,388 | Jacksonville, FL |
| National General | $327 | $3,924 | Jacksonville, FL |
| Bristol West | $332 | $3,984 | Jacksonville, FL |
| Dairyland | $363 | $4,358 | Jacksonville, FL |
| Assurance America | $372 | $4,461 | Jacksonville, FL |
| Embark General | $381 | $4,576 | Jacksonville, FL |
| Progressive | $401 | $4,815 | 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 | $281 | $3,367 | 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
|
|---|---|---|---|
| Gainsco | $157 | $1,888 | Jacksonville, FL |
| ROOT | $193 | $2,317 | Jacksonville, FL |
| National General | $234 | $2,808 | Jacksonville, FL |
| The General | $241 | $2,895 | Jacksonville, FL |
| Dairyland | $250 | $3,003 | Jacksonville, FL |
| Bristol West | $292 | $3,500 | Jacksonville, FL |
| Embark General | $301 | $3,616 | Jacksonville, FL |
| Assurance America | $320 | $3,840 | Jacksonville, FL |
| Progressive | $330 | $3,960 | Jacksonville, FL |
| Safeco | $339 | $4,072 | Jacksonville, FL |
Methodology
Data included in this analysis comes from policies that Jerry has quoted within the last 6 months for drivers with a clean record and that have full coverage, unless stated otherwise. Data related to violations, accidents or credit scores pull from quote data from the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.
Xuyun Zeng is a writer and editor with a wide-ranging content background including tech, journalism, cars and health care. After graduating with highest honors in journalism, Xuyun led a newspaper to win eight awards, helped start an award-winning film industry podcast and has written over a hundred articles about cars repair, state laws and insurance. Prior to joining Jerry, Xuyun worked as a freelance SEO consultant with a mission to create the best content that will help readers and grow organic traffic.
Annie is a writer and editor at Jerry with more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet. Her past work has appeared in the Associated Press, USA Today and The Washington Post. Her work has been cited by Northwestern University and Harvard Kennedy School. Annie served as a spokesperson for NerdWallet during her time at NerdWallet and has been featured in New York Magazine, MarketWatch and on local television and radio stations.
Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California and Texas. She has a bachelor’s degree in journalism from the University of Minnesota.
