Cheap Car Insurance in Jacksonville, FL

Written by Xuyun Zeng and 1 other
Updated Aug 19, 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 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 $879 Jacksonville, FL
Bristol West $88 $1,053 Jacksonville, FL
The General $88 $1,060 Jacksonville, FL
ROOT $89 $1,070 Jacksonville, FL
Embark General $110 $1,314 Jacksonville, FL
Dairyland $112 $1,349 Jacksonville, FL
First Acceptance $119 $1,428 Jacksonville, FL
Infinity $124 $1,489 Jacksonville, FL
Gainsco $125 $1,502 Jacksonville, FL
Assurance America $157 $1,881 Jacksonville, FL
Last Updated August 2025

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.

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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
Trexis $188 $2,253 Jacksonville, FL
The General $214 $2,566 Jacksonville, FL
National General $226 $2,707 Jacksonville, FL
Embark General $246 $2,958 Jacksonville, FL
Gainsco $249 $2,989 Jacksonville, FL
Clearcover $263 $3,156 Jacksonville, FL
Geico $292 $3,506 Jacksonville, FL
Safeco $298 $3,574 Jacksonville, FL
Bristol West $299 $3,588 Jacksonville, FL
ROOT $317 $3,803 Jacksonville, FL
Last Updated Aug. 14, 2025

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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 $496 $5,947 Jacksonville, FL
21-24 $347 $4,166 Jacksonville, FL
Last Updated Aug. 14, 2025

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
Last Updated Aug. 20, 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
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
Last Updated Aug. 20, 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 $287 $3,439 Jacksonville, FL
35-44 $239 $2,873 Jacksonville, FL
45-54 $237 $2,842 Jacksonville, FL
Last Updated Aug. 14, 2025

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
Last Updated Aug. 20, 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 $195 $2,343 Jacksonville, FL
The General $217 $2,601 Jacksonville, FL
Embark General $218 $2,612 Jacksonville, FL
Gainsco $219 $2,630 Jacksonville, FL
Safeco $255 $3,059 Jacksonville, FL
Bristol West $261 $3,127 Jacksonville, FL
Infinity $297 $3,562 Jacksonville, FL
ROOT $297 $3,570 Jacksonville, FL
Assurance America $336 $4,032 Jacksonville, FL
Progressive $384 $4,612 Jacksonville, FL
Last Updated Aug. 14, 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 seniors in Jacksonville, based on data from Jerry customers.

Age Group
Avg Monthly Quote
Avg Annual Quote
City, State
55-64 $220 $2,645 Jacksonville, FL
65+ $217 $2,601 Jacksonville, FL
Last Updated Aug. 14, 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
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
Last Updated Aug. 14, 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
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
Last Updated Aug. 14, 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
$267 $3,207 Jacksonville, FL
Last Updated Aug. 14, 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
The General $149 $1,793 Jacksonville, FL
Trexis $161 $1,928 Jacksonville, FL
National General $174 $2,092 Jacksonville, FL
Embark General $183 $2,195 Jacksonville, FL
Gainsco $202 $2,426 Jacksonville, FL
Geico $233 $2,793 Jacksonville, FL
Bristol West $246 $2,950 Jacksonville, FL
Assurance America $249 $2,986 Jacksonville, FL
ROOT $251 $3,014 Jacksonville, FL
Safeco $252 $3,029 Jacksonville, FL
Last Updated Aug. 14, 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 $295 $3,543 Jacksonville, FL
660-750 $292 $3,500 Jacksonville, FL
<550 $335 $4,018 Jacksonville, FL
750+ $200 $2,397 Jacksonville, FL
Last Updated Aug. 14, 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

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
$344 $4,126 At Fault With No Injury Jacksonville, FL
$314 $3,774 Not At Fault Jacksonville, FL
Last Updated Aug. 14, 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
National General $281 $3,376 Jacksonville, FL
ROOT $286 $3,432 Jacksonville, FL
Gainsco $319 $3,828 Jacksonville, FL
Bristol West $335 $4,017 Jacksonville, FL
Dairyland $352 $4,226 Jacksonville, FL
Last Updated Aug. 14, 2025

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
Last Updated August 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 $371 $4,456 Jacksonville, FL
Speeding under 15 $360 $4,324 Jacksonville, FL
Last Updated Aug. 14, 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 $80 $962 Jacksonville, FL
Safeco $282 $3,388 Jacksonville, FL
Gainsco $285 $3,422 Jacksonville, FL
ROOT $299 $3,585 Jacksonville, FL
National General $332 $3,980 Jacksonville, FL
Bristol West $338 $4,058 Jacksonville, FL
Dairyland $378 $4,538 Jacksonville, FL
Assurance America $380 $4,556 Jacksonville, FL
Embark General $393 $4,722 Jacksonville, FL
Progressive $407 $4,886 Jacksonville, FL
Last Updated August 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 $277 $3,320 Jacksonville, FL
Last Updated August 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
Gainsco $157 $1,888 Jacksonville, FL
ROOT $193 $2,317 Jacksonville, FL
National General $234 $2,809 Jacksonville, FL
The General $241 $2,895 Jacksonville, FL
Dairyland $250 $3,003 Jacksonville, FL
Bristol West $259 $3,106 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
Last Updated August 2025

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.

MEET OUR EXPERTS
meet-experts-thumbnail
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.

meet-experts-thumbnail
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.

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.