Cheap Car Insurance in Jacksonville, FL

Written by Xuyun Zeng and 1 other
Updated Oct 14, 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 $72 $866 Jacksonville, FL
The General $83 $996 Jacksonville, FL
ROOT $84 $1,004 Jacksonville, FL
Bristol West $87 $1,043 Jacksonville, FL
Embark General $103 $1,242 Jacksonville, FL
Dairyland $112 $1,343 Jacksonville, FL
First Acceptance $117 $1,398 Jacksonville, FL
Gainsco $120 $1,446 Jacksonville, FL
Infinity $122 $1,469 Jacksonville, FL
Progressive $132 $1,580 Jacksonville, FL
Last Updated Oct. 15, 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
Aspire Advantage $144 $1,724 Jacksonville, FL
Mercury $174 $2,090 Jacksonville, FL
The General $198 $2,379 Jacksonville, FL
National General $217 $2,604 Jacksonville, FL
Embark General $232 $2,782 Jacksonville, FL
Gainsco $240 $2,885 Jacksonville, FL
Bristol West $290 $3,482 Jacksonville, FL
ROOT $293 $3,522 Jacksonville, FL
Safeco $305 $3,663 Jacksonville, FL
Assurance America $318 $3,817 Jacksonville, FL
Last Updated Oct. 15, 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 $485 $5,819 Jacksonville, FL
21-24 $320 $3,840 Jacksonville, FL
$198 $2,379 Jacksonville, FL
$217 $2,604 Jacksonville, FL
$232 $2,782 Jacksonville, FL
$240 $2,885 Jacksonville, FL
$290 $3,482 Jacksonville, FL
$293 $3,522 Jacksonville, FL
$305 $3,663 Jacksonville, FL
$318 $3,817 Jacksonville, FL
Last Updated Oct. 15, 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 $108 $1,300 Jacksonville, FL
National General $126 $1,515 Jacksonville, FL
The General $130 $1,566 Jacksonville, FL
Geico $142 $1,707 Jacksonville, FL
First Acceptance $150 $1,802 Jacksonville, FL
Gainsco $240 $2,885 Jacksonville, FL
Bristol West $290 $3,482 Jacksonville, FL
ROOT $293 $3,522 Jacksonville, FL
Safeco $305 $3,663 Jacksonville, FL
Assurance America $318 $3,817 Jacksonville, FL
Last Updated Oct. 15, 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 $342 $4,102 Jacksonville, FL
National General $371 $4,457 Jacksonville, FL
Embark General $390 $4,685 Jacksonville, FL
ROOT $430 $5,156 Jacksonville, FL
Gainsco $465 $5,586 Jacksonville, FL
Bristol West $535 $6,425 Jacksonville, FL
Geico $658 $7,893 Jacksonville, FL
Assurance America $706 $8,470 Jacksonville, FL
Mendota $799 $9,591 Jacksonville, FL
Dairyland $826 $9,913 Jacksonville, FL
Last Updated Oct. 15, 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 $266 $3,193 Jacksonville, FL
35-44 $235 $2,823 Jacksonville, FL
45-54 $235 $2,819 Jacksonville, FL
$430 $5,156 Jacksonville, FL
$465 $5,586 Jacksonville, FL
$535 $6,425 Jacksonville, FL
$658 $7,893 Jacksonville, FL
$706 $8,470 Jacksonville, FL
$799 $9,591 Jacksonville, FL
$826 $9,913 Jacksonville, FL
Last Updated Oct. 15, 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
Geico $73 $870 Jacksonville, FL
National General $73 $879 Jacksonville, FL
Bristol West $83 $992 Jacksonville, FL
ROOT $86 $1,026 Jacksonville, FL
The General $88 $1,056 Jacksonville, FL
Bristol West $535 $6,425 Jacksonville, FL
Geico $658 $7,893 Jacksonville, FL
Assurance America $706 $8,470 Jacksonville, FL
Mendota $799 $9,591 Jacksonville, FL
Dairyland $826 $9,913 Jacksonville, FL
Last Updated Oct. 15, 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
The General $205 $2,458 Jacksonville, FL
National General $206 $2,476 Jacksonville, FL
Embark General $215 $2,582 Jacksonville, FL
Gainsco $221 $2,656 Jacksonville, FL
Safeco $267 $3,200 Jacksonville, FL
Bristol West $272 $3,264 Jacksonville, FL
ROOT $285 $3,416 Jacksonville, FL
Infinity $285 $3,416 Jacksonville, FL
Assurance America $297 $3,569 Jacksonville, FL
Progressive $370 $4,436 Jacksonville, FL
Last Updated Oct. 15, 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 $216 $2,587 Jacksonville, FL
65+ $201 $2,416 Jacksonville, FL
45-54 $215 $2,582 Jacksonville, FL
$221 $2,656 Jacksonville, FL
$267 $3,200 Jacksonville, FL
$272 $3,264 Jacksonville, FL
$285 $3,416 Jacksonville, FL
$285 $3,416 Jacksonville, FL
$297 $3,569 Jacksonville, FL
$370 $4,436 Jacksonville, FL
Last Updated Oct. 15, 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 $49 $590 Jacksonville, FL
National General $67 $808 Jacksonville, FL
The General $73 $876 Jacksonville, FL
First Acceptance $81 $974 Jacksonville, FL
Bristol West $83 $1,001 Jacksonville, FL
Bristol West $272 $3,264 Jacksonville, FL
ROOT $285 $3,416 Jacksonville, FL
Infinity $285 $3,416 Jacksonville, FL
Assurance America $297 $3,569 Jacksonville, FL
Progressive $370 $4,436 Jacksonville, FL
Last Updated Oct. 15, 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
Embark General $174 $2,084 Jacksonville, FL
Gainsco $181 $2,169 Jacksonville, FL
The General $224 $2,694 Jacksonville, FL
Assurance America $233 $2,794 Jacksonville, FL
Bristol West $248 $2,979 Jacksonville, FL
National General $271 $3,252 Jacksonville, FL
Geico $297 $3,567 Jacksonville, FL
Safeco $302 $3,619 Jacksonville, FL
ROOT $328 $3,941 Jacksonville, FL
Progressive $341 $4,092 Jacksonville, FL
Last Updated Oct. 15, 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
$256 $3,072 Jacksonville, FL
$181 $2,169 Jacksonville, FL
$224 $2,694 Jacksonville, FL
$233 $2,794 Jacksonville, FL
$248 $2,979 Jacksonville, FL
$271 $3,252 Jacksonville, FL
$297 $3,567 Jacksonville, FL
$302 $3,619 Jacksonville, FL
$328 $3,941 Jacksonville, FL
$341 $4,092 Jacksonville, FL
Last Updated Oct. 15, 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 $96 $1,146 Jacksonville, FL
First Acceptance $121 $1,451 Jacksonville, FL
The General $140 $1,677 Jacksonville, FL
Mercury $148 $1,778 Jacksonville, FL
National General $167 $2,006 Jacksonville, FL
Embark General $171 $2,055 Jacksonville, FL
Gainsco $202 $2,419 Jacksonville, FL
ROOT $226 $2,717 Jacksonville, FL
Assurance America $231 $2,768 Jacksonville, FL
Bristol West $238 $2,859 Jacksonville, FL
Last Updated Oct. 15, 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 $287 $3,449 Jacksonville, FL
660-750 $293 $3,517 Jacksonville, FL
<550 $319 $3,828 Jacksonville, FL
750+ $184 $2,206 Jacksonville, FL
$167 $2,006 Jacksonville, FL
$171 $2,055 Jacksonville, FL
$202 $2,419 Jacksonville, FL
$226 $2,717 Jacksonville, FL
$231 $2,768 Jacksonville, FL
$238 $2,859 Jacksonville, FL
Last Updated Oct. 15, 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.

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
$217 $2,604 At Fault With Injury Jacksonville, FL
$317 $3,805 At Fault With No Injury Jacksonville, FL
$311 $3,727 Not At Fault Jacksonville, FL
$184 $2,206 Jacksonville, FL
$167 $2,006 Jacksonville, FL
$171 $2,055 Jacksonville, FL
$202 $2,419 Jacksonville, FL
$226 $2,717 Jacksonville, FL
$231 $2,768 Jacksonville, FL
$238 $2,859 Jacksonville, FL
Last Updated Oct. 15, 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
Aspire Advantage $75 $897 Jacksonville, FL
First Acceptance $176 $2,112 Jacksonville, FL
National General $254 $3,050 Jacksonville, FL
ROOT $263 $3,151 Jacksonville, FL
Gainsco $309 $3,714 Jacksonville, FL
Embark General $171 $2,055 Jacksonville, FL
Gainsco $202 $2,419 Jacksonville, FL
ROOT $226 $2,717 Jacksonville, FL
Assurance America $231 $2,768 Jacksonville, FL
Bristol West $238 $2,859 Jacksonville, FL
Last Updated Oct. 15, 2025

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

Insurance Company
Avg Monthly Quote
Avg Annual Quote
City, State
First Acceptance $85 $1,016 Jacksonville, FL
Gainsco $157 $1,878 Jacksonville, FL
National General $177 $2,126 Jacksonville, FL
The General $199 $2,389 Jacksonville, FL
Bristol West $227 $2,721 Jacksonville, FL
Embark General $171 $2,055 Jacksonville, FL
Gainsco $202 $2,419 Jacksonville, FL
ROOT $226 $2,717 Jacksonville, FL
Assurance America $231 $2,768 Jacksonville, FL
Bristol West $238 $2,859 Jacksonville, FL
Last Updated Oct. 15, 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 $305 $3,661 Jacksonville, FL
Speeding under 15 $326 $3,908 Jacksonville, FL
$177 $2,126 Jacksonville, FL
$199 $2,389 Jacksonville, FL
$227 $2,721 Jacksonville, FL
$171 $2,055 Jacksonville, FL
$202 $2,419 Jacksonville, FL
$226 $2,717 Jacksonville, FL
$231 $2,768 Jacksonville, FL
$238 $2,859 Jacksonville, FL
Last Updated Oct. 15, 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
First Acceptance $168 $2,017 Jacksonville, FL
The General $181 $2,171 Jacksonville, FL
Embark General $196 $2,353 Jacksonville, FL
National General $206 $2,466 Jacksonville, FL
ROOT $228 $2,741 Jacksonville, FL
Gainsco $239 $2,874 Jacksonville, FL
Assurance America $291 $3,492 Jacksonville, FL
Safeco $297 $3,562 Jacksonville, FL
Bristol West $297 $3,566 Jacksonville, FL
Geico $323 $3,877 Jacksonville, FL
Last Updated Oct. 15, 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 $369 $4,424 Jacksonville, FL
Speeding under 15 $181 $2,171 Jacksonville, FL
$196 $2,353 Jacksonville, FL
$206 $2,466 Jacksonville, FL
$228 $2,741 Jacksonville, FL
$239 $2,874 Jacksonville, FL
$291 $3,492 Jacksonville, FL
$297 $3,562 Jacksonville, FL
$297 $3,566 Jacksonville, FL
$323 $3,877 Jacksonville, FL
Last Updated Oct. 15, 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 $104 $1,249 Jacksonville, FL
Embark General $144 $1,733 Jacksonville, FL
Safeco $189 $2,274 Jacksonville, FL
Gainsco $222 $2,662 Jacksonville, FL
National General $224 $2,684 Jacksonville, FL
ROOT $227 $2,725 Jacksonville, FL
Assurance America $243 $2,916 Jacksonville, FL
Bristol West $343 $4,113 Jacksonville, FL
Geico $372 $4,464 Jacksonville, FL
Progressive $430 $5,159 Jacksonville, FL
Last Updated Oct. 15, 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.

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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 $89 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.
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