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

If you have a loan or lease on your vehicle, the lender will require full coverage. You may also need gap insurance, which can help you pay off your loan if your car is totaled.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

These insurers offer the lowest prices to Jacksonville drivers with claim-free records, according to Jerry’s data.

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.

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.

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

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

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.

These insurers provide the most affordable insurance policies to Jacksonville drivers with speeding tickets on their records, according to Jerry’s quote data.

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.

These insurers offer the cheapest insurance quotes to Jacksonville drivers with DUIs, per Jerry’s customer quote data.

Methodology

Data included in this analysis comes from policies that Jerry has quoted within the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.

MEET OUR EXPERTS

Xuyun Zeng

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.

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Annie Millerbernd

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.

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