Cheap Car Insurance in Jacksonville, FL

Written by Xuyun Zeng and 1 other
Updated Sep 28, 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 $71 $855 Jacksonville, FL
The General $84 $1,004 Jacksonville, FL
ROOT $85 $1,018 Jacksonville, FL
Bristol West $85 $1,022 Jacksonville, FL
Embark General $106 $1,267 Jacksonville, FL
Dairyland $112 $1,345 Jacksonville, FL
Infinity $119 $1,425 Jacksonville, FL
Gainsco $119 $1,432 Jacksonville, FL
First Acceptance $122 $1,468 Jacksonville, FL
Assurance America $150 $1,795 Jacksonville, FL
Last Updated Sept. 26, 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
Trexis $188 $2,253 Jacksonville, FL
The General $204 $2,453 Jacksonville, FL
National General $221 $2,646 Jacksonville, FL
Embark General $239 $2,872 Jacksonville, FL
Gainsco $241 $2,888 Jacksonville, FL
Clearcover $263 $3,156 Jacksonville, FL
Bristol West $291 $3,487 Jacksonville, FL
Safeco $294 $3,533 Jacksonville, FL
Last Updated Sept. 26, 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 $475 $5,699 Jacksonville, FL
21-24 $327 $3,920 Jacksonville, FL
$188 $2,253 Jacksonville, FL
$204 $2,453 Jacksonville, FL
$221 $2,646 Jacksonville, FL
$239 $2,872 Jacksonville, FL
$241 $2,888 Jacksonville, FL
$263 $3,156 Jacksonville, FL
$291 $3,487 Jacksonville, FL
$294 $3,533 Jacksonville, FL
Last Updated Sept. 26, 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 $107 $1,287 Jacksonville, FL
National General $120 $1,436 Jacksonville, FL
The General $121 $1,456 Jacksonville, FL
Bristol West $142 $1,707 Jacksonville, FL
Geico $156 $1,872 Jacksonville, FL
Embark General $239 $2,872 Jacksonville, FL
Gainsco $241 $2,888 Jacksonville, FL
Clearcover $263 $3,156 Jacksonville, FL
Bristol West $291 $3,487 Jacksonville, FL
Safeco $294 $3,533 Jacksonville, FL
Last Updated Sept. 24, 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 $326 $3,914 Jacksonville, FL
National General $359 $4,312 Jacksonville, FL
Embark General $385 $4,616 Jacksonville, FL
ROOT $414 $4,965 Jacksonville, FL
Gainsco $435 $5,223 Jacksonville, FL
Bristol West $503 $6,032 Jacksonville, FL
Geico $662 $7,940 Jacksonville, FL
Assurance America $678 $8,133 Jacksonville, FL
Dairyland $800 $9,599 Jacksonville, FL
Mendota $806 $9,668 Jacksonville, FL
Last Updated Sept. 24, 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 $269 $3,228 Jacksonville, FL
35-44 $236 $2,828 Jacksonville, FL
45-54 $231 $2,772 Jacksonville, FL
$414 $4,965 Jacksonville, FL
$435 $5,223 Jacksonville, FL
$503 $6,032 Jacksonville, FL
$662 $7,940 Jacksonville, FL
$678 $8,133 Jacksonville, FL
$800 $9,599 Jacksonville, FL
$806 $9,668 Jacksonville, FL
Last Updated Sept. 26, 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 $67 $806 Jacksonville, FL
Geico $74 $883 Jacksonville, FL
Bristol West $80 $961 Jacksonville, FL
ROOT $86 $1,036 Jacksonville, FL
The General $88 $1,061 Jacksonville, FL
Bristol West $503 $6,032 Jacksonville, FL
Geico $662 $7,940 Jacksonville, FL
Assurance America $678 $8,133 Jacksonville, FL
Dairyland $800 $9,599 Jacksonville, FL
Mendota $806 $9,668 Jacksonville, FL
Last Updated Sept. 24, 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 $194 $2,333 Jacksonville, FL
The General $204 $2,443 Jacksonville, FL
Gainsco $212 $2,544 Jacksonville, FL
Embark General $217 $2,603 Jacksonville, FL
Safeco $265 $3,185 Jacksonville, FL
Bristol West $271 $3,248 Jacksonville, FL
Infinity $284 $3,405 Jacksonville, FL
ROOT $285 $3,422 Jacksonville, FL
Assurance America $304 $3,654 Jacksonville, FL
Progressive $364 $4,365 Jacksonville, FL
Last Updated Sept. 26, 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 $215 $2,575 Jacksonville, FL
65+ $207 $2,488 Jacksonville, FL
45-54 $212 $2,544 Jacksonville, FL
$217 $2,603 Jacksonville, FL
$265 $3,185 Jacksonville, FL
$271 $3,248 Jacksonville, FL
$284 $3,405 Jacksonville, FL
$285 $3,422 Jacksonville, FL
$304 $3,654 Jacksonville, FL
$364 $4,365 Jacksonville, FL
Last Updated Sept. 25, 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 $46 $556 Jacksonville, FL
National General $62 $744 Jacksonville, FL
The General $75 $897 Jacksonville, FL
Bristol West $75 $904 Jacksonville, FL
Gainsco $78 $938 Jacksonville, FL
Bristol West $271 $3,248 Jacksonville, FL
Infinity $284 $3,405 Jacksonville, FL
ROOT $285 $3,422 Jacksonville, FL
Assurance America $304 $3,654 Jacksonville, FL
Progressive $364 $4,365 Jacksonville, FL
Last Updated Sept. 25, 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 $174 $2,089 Jacksonville, FL
Embark General $174 $2,090 Jacksonville, FL
The General $203 $2,437 Jacksonville, FL
Assurance America $233 $2,795 Jacksonville, FL
National General $236 $2,828 Jacksonville, FL
Bristol West $244 $2,930 Jacksonville, FL
Geico $246 $2,951 Jacksonville, FL
Safeco $276 $3,312 Jacksonville, FL
ROOT $326 $3,914 Jacksonville, FL
Progressive $335 $4,017 Jacksonville, FL
Last Updated Sept. 25, 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
$260 $3,117 Jacksonville, FL
$174 $2,090 Jacksonville, FL
$203 $2,437 Jacksonville, FL
$233 $2,795 Jacksonville, FL
$236 $2,828 Jacksonville, FL
$244 $2,930 Jacksonville, FL
$246 $2,951 Jacksonville, FL
$276 $3,312 Jacksonville, FL
$326 $3,914 Jacksonville, FL
$335 $4,017 Jacksonville, FL
Last Updated Sept. 24, 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
The General $143 $1,718 Jacksonville, FL
Mercury $148 $1,778 Jacksonville, FL
Trexis $161 $1,928 Jacksonville, FL
National General $169 $2,031 Jacksonville, FL
Embark General $177 $2,122 Jacksonville, FL
Gainsco $199 $2,387 Jacksonville, FL
ROOT $233 $2,791 Jacksonville, FL
Bristol West $238 $2,854 Jacksonville, FL
Assurance America $239 $2,863 Jacksonville, FL
Last Updated Sept. 25, 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 $291 $3,497 Jacksonville, FL
660-750 $284 $3,408 Jacksonville, FL
<550 $330 $3,959 Jacksonville, FL
750+ $187 $2,239 Jacksonville, FL
$169 $2,031 Jacksonville, FL
$177 $2,122 Jacksonville, FL
$199 $2,387 Jacksonville, FL
$233 $2,791 Jacksonville, FL
$238 $2,854 Jacksonville, FL
$239 $2,863 Jacksonville, FL
Last Updated Sept. 25, 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
$258 $3,095 At Fault With Injury Jacksonville, FL
$332 $3,987 At Fault With No Injury Jacksonville, FL
$313 $3,758 Not At Fault Jacksonville, FL
$187 $2,239 Jacksonville, FL
$169 $2,031 Jacksonville, FL
$177 $2,122 Jacksonville, FL
$199 $2,387 Jacksonville, FL
$233 $2,791 Jacksonville, FL
$238 $2,854 Jacksonville, FL
$239 $2,863 Jacksonville, FL
Last Updated Sept. 24, 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
First Acceptance $212 $2,548 Jacksonville, FL
ROOT $258 $3,098 Jacksonville, FL
National General $268 $3,216 Jacksonville, FL
Gainsco $311 $3,737 Jacksonville, FL
Dairyland $324 $3,889 Jacksonville, FL
Embark General $177 $2,122 Jacksonville, FL
Gainsco $199 $2,387 Jacksonville, FL
ROOT $233 $2,791 Jacksonville, FL
Bristol West $238 $2,854 Jacksonville, FL
Assurance America $239 $2,863 Jacksonville, FL
Last Updated Sept. 25, 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
Embark General $248 $2,978 Jacksonville, FL
Bristol West $255 $3,065 Jacksonville, FL
ROOT $268 $3,215 Jacksonville, FL
Embark General $177 $2,122 Jacksonville, FL
Gainsco $199 $2,387 Jacksonville, FL
ROOT $233 $2,791 Jacksonville, FL
Bristol West $238 $2,854 Jacksonville, FL
Assurance America $239 $2,863 Jacksonville, FL
Last Updated Sept. 24, 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 $299 $3,592 Jacksonville, FL
Speeding under 15 $343 $4,119 Jacksonville, FL
$248 $2,978 Jacksonville, FL
$255 $3,065 Jacksonville, FL
$268 $3,215 Jacksonville, FL
$177 $2,122 Jacksonville, FL
$199 $2,387 Jacksonville, FL
$233 $2,791 Jacksonville, FL
$238 $2,854 Jacksonville, FL
$239 $2,863 Jacksonville, FL
Last Updated Sept. 29, 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
The General $182 $2,185 Jacksonville, FL
First Acceptance $196 $2,352 Jacksonville, FL
Embark General $200 $2,401 Jacksonville, FL
National General $200 $2,401 Jacksonville, FL
ROOT $232 $2,781 Jacksonville, FL
Gainsco $243 $2,914 Jacksonville, FL
Geico $274 $3,287 Jacksonville, FL
Safeco $291 $3,487 Jacksonville, FL
Bristol West $291 $3,494 Jacksonville, FL
Assurance America $295 $3,541 Jacksonville, FL
Last Updated Sept. 29, 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 $380 $4,556 Jacksonville, FL
Speeding under 15 $196 $2,352 Jacksonville, FL
$200 $2,401 Jacksonville, FL
$200 $2,401 Jacksonville, FL
$232 $2,781 Jacksonville, FL
$243 $2,914 Jacksonville, FL
$274 $3,287 Jacksonville, FL
$291 $3,487 Jacksonville, FL
$291 $3,494 Jacksonville, FL
$295 $3,541 Jacksonville, FL
Last Updated Sept. 29, 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 $144 $1,730 Jacksonville, FL
Embark General $169 $2,029 Jacksonville, FL
Gainsco $222 $2,662 Jacksonville, FL
National General $224 $2,688 Jacksonville, FL
ROOT $229 $2,747 Jacksonville, FL
Assurance America $243 $2,916 Jacksonville, FL
Safeco $271 $3,256 Jacksonville, FL
Geico $337 $4,042 Jacksonville, FL
Bristol West $365 $4,381 Jacksonville, FL
Progressive $426 $5,113 Jacksonville, FL
Last Updated Sept. 29, 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.
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