Updated May 21, 2026

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Jerry is your proactive car insurance assistant. We help you compare personalized quotes side-by-side from 100+ top insurers, explain coverage in plain English, and switch policies in minutes. No bouncing between sites. No pressure to buy. Just clear options, expert guidance when you want it, and a seamless way to get covered.

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Cheap car insurance in Jacksonville, FL

Jacksonville drivers pay an average of $350 a month for full coverage and $115 a month for state minimum. Jerry compares 100+ insurers to find you a lower rate in minutes, with no spam calls and no pressure.

$49

Lowest state minimum quote Jerry has found in last 12 months

$116

Lowest full coverage quote Jerry has found in last 12 months

$296

Average monthly savings for drivers who switch and find savings

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Author

Megan Lee

Megan Lee is an editor, writer, and SEO with expertise in insurance, personal finance, travel, and healthcare. Her work has appeared in U.S. News & World Report, USA Today, and more. She has led remote content teams and strategies for sites like NerdWallet. When she`s not working, Megan enjoys discovering new coffee spots and attending themed events.

Credentials:

• 16 years as a professional writer and editor

• 6 years covering personal finance

Insurance Writer

Reviewer

Stephanie Colestock

Stephanie Colestock is a writer, CFEI®, and licensed insurance agent with over 14 years of experience specializing in personal finance topics like insurance, investing, retirement, and household budgeting. Her work has been featured in TIME, Forbes, USA Today, and other leading publications. Through her writing, Stephanie simplifies complex financial concepts, empowering readers to make smarter financial decisions.

Credentials:

• Certified Financial Education Instructor (CFEI) (2024)

• General Lines Agent, Property & Casualty (2025)

• 14 years as a professional writer and editor

• 10 years covering personal finance

Licensed Insurance Agent

Florida is the most expensive state for auto insurance in the U.S., but Jacksonville sits at the lower end of pricing within Florida. The metro’s reduced hurricane exposure compared to peninsular Florida, lower household density relative to South Florida cities, and active non-standard carrier market combine to keep rates below the statewide average. The forces that move pricing within Jacksonville are mostly local: ZIP-level claim frequency, beach community premium concentration, and the same Florida no-fault personal injury protection framework that affects every Florida driver’s policy.

Jerry compares 100+ insurers to help you save. We’ve found quotes for Jacksonville drivers starting as low as $116 per month for full coverage (National General) and $49 per month for state minimum (GEICO) in the last 12 months. Where you land depends on your profile, your ZIP and which carrier prices your risk most favorably right now.

Real recent quotes Jerry found for Jacksonville drivers

Here are some recent quotes Jerry has pulled for drivers in Jacksonville. These aren’t sample rates — they’re actual quotes pulled for Jacksonville drivers in the last 30 days. Driver profiles, ZIP codes and coverage levels vary.

Jerry pulls up to 20 quotes from top rated carriers.

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What are the cheapest car insurance companies in Jacksonville?

Right now, GEICO is the cheapest average carrier for Jacksonville drivers at around $68 per month for state minimum coverage — but “cheapest overall” doesn’t always mean cheapest for you.

Florida’s market depth includes a meaningful concentration of non-standard specialists alongside national-brand standard carriers, which produces real pricing differences across driver profiles in Jacksonville. Four points to keep in mind when comparing the market.

• The cheapest option for Jacksonville drivers with clean records is First Acceptance . First Acceptance writes broadly across driver profiles in Florida, and our data shows it pricing competitively for clean-record Jacksonville drivers seeking minimum coverage. First Acceptance isn’t a national-brand name and is easy to overlook in a quote-shopping session, but skipping it can mean leaving meaningful savings on the table for clean-record drivers in this market.

• Your driving record has more of an impact in Jacksonville than many drivers expect. Florida’s market includes a large mix of standard and non standard insurers, so drivers with accidents, prior coverage lapses or SR 22 requirements often see completely different carriers become competitive than drivers with clean records. The pricing gap tends to widen quickly after recent violations because many Florida insurers aggressively re tier drivers following accidents or major tickets.

• Coverage level influences which auto insurers offer more affordable, competitive rates. Some carriers price aggressively on bare minimum Florida policies but become far less competitive once collision, comprehensive and higher liability limits are added. That spread matters more in Jacksonville because high injury claim costs, storm related losses and uninsured driver exposure can push full coverage pricing much higher than minimum coverage pricing.

• Florida’s deep non-standard market changes the quote shopping process entirely. Jacksonville drivers with mixed records, prior insurance gaps or high risk profiles often need to compare specialty insurers alongside standard national carriers to find the best rate. In many cases, the cheapest option for a preferred driver and the cheapest option for a higher risk driver are completely different companies.

That said, the right carrier for you depends on your driving record, age, and whether you’re bundling or qualify for other discounts. Jerry compares all of these factors across 100+ insurers at once, so you’re not guessing which scenario applies to you.

Cheapest carriers in Jacksonville by average, state minimum coverage

GEICO is the cheapest car insurance company in Jacksonville for state minimum coverage at an average of $68 per month. 

Insurer	Average monthly cost	Cheapest quote we’ve found

Insurer	Average monthly cost	Cheapest quote we’ve found
GEICO	$68	$49
National General	$72	$51
Root	$78	$65
Mercury	$98	$62
Infinity	$98	$58

GEICO

Average monthly cost

$68

Cheapest quote we’ve found

$49

National General

Average monthly cost

$72

Cheapest quote we’ve found

$51

Root

Average monthly cost

$78

Cheapest quote we’ve found

$65

Mercury

Average monthly cost

$98

Cheapest quote we’ve found

$62

Infinity

Average monthly cost

$98

Cheapest quote we’ve found

$58

Last Updated June 1, 2026

Based on Jerry data from the past 12 months.

Cheapest carriers in Jacksonville by average, full coverage

National General is the cheapest car insurance company in Jacksonville for full coverage at an average of $228 per month. 

Insurer	Average monthly cost	Cheapest quote we’ve found

Insurer	Average monthly cost	Cheapest quote we’ve found
National General	$228	$117
Gainsco	$257	$182
Mercury	$261	$145
Embark General	$275	$190
The General	$277	$168

National General

Average monthly cost

$228

Cheapest quote we’ve found

$117

Gainsco

Average monthly cost

$257

Cheapest quote we’ve found

$182

Mercury

Average monthly cost

$261

Cheapest quote we’ve found

$145

Embark General

Average monthly cost

$275

Cheapest quote we’ve found

$190

The General

Average monthly cost

$277

Cheapest quote we’ve found

$168

Last Updated June 1, 2026

Based on Jerry data from the past 12 months.

Key takeaway: GEICO is the cheapest option for most Jacksonville drivers, but First Acceptance can be more competitive for drivers with less-than perfect records. Jerry shows you multiple quotes at once so you can compare and save.

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Why is car insurance expensive in Jacksonville?

Drivers in Jacksonville with clean records average $247/mo, which is actually below the FL state average ($267/mo) and the national average of $262/mo. The forces shaping Jacksonville pricing are largely Florida-statewide, with a few local features that pull the metro average down relative to peninsular Florida cities. A handful of factors do most of the work in setting rates within Jacksonville.

Jacksonville car insurance rates by ZIP code

Where you live in Jacksonville matters more than the citywide average makes it look. One beach ZIP runs way above the rest, and the differences across the rest of the city mostly come down to three things: how often people in your area file claims, what those claims usually cost and how densely populated the neighborhood is.

Cheapest ZIP codes

The cheapest ZIPs in Jerry’s Jacksonville data are in Mandarin and the southern suburbs near the St. Johns County line, plus parts of the Southside near UNF and Atlantic Beach. Jerry has more quote data from Mandarin and the Southside than from the smaller suburban ZIPs, which gives carriers a clearer picture of what to charge there.

Most expensive ZIP codes

Jacksonville Beach, covered by ZIP 32250, sits well above the rest of the city as the most expensive ZIP in our data, reflecting the beach community’s distinct claims profile, vehicle mix and seasonal traffic patterns. The next tier of expensive ZIPs covers parts of the Westside, the Northside, downtown and the Naval Air Station area, where claim frequency runs higher across the urban core. The premium gap between Jacksonville Beach and the rest of the most-expensive list is the widest within-tier spread we see in our data.

Jacksonville car insurance rates by driver profile

ZIP code gets a lot of attention, but for most drivers it’s the second or third biggest factor in their rate — not the first. Age, driving record and credit score typically move the needle more.

Here’s what Jerry’s Jacksonville data shows for each, and what it actually means for your quote.

By age

Age is one of the strongest predictors of premium for Jacksonville drivers, though the youngest brackets in Jerry’s Jacksonville data show smaller gaps over the city average than we see in some other major U.S. metros. Jerry’s Jacksonville data shows a rate cliff around 25, resulting in a $26/mo drop between the 21-24 and 25-34 buckets for state minimum, and a $72/mo drop for full coverage.

Drivers entering their mid twenties should consider shopping for new quotes shortly after their birthday, since many insurers do not automatically adjust rates right away and may wait until the next renewal cycle to apply lower pricing.

Average cost of insurance in Jacksonville by age group, state minimum

Average cost of insurance in Jacksonville by age group, full coverage

By driving record

Having at-fault accidents adds 14% on average for Jacksonville Jerry drivers, but the size of the hit depends heavily on which coverage level you’re on. In our Jacksonville data, surcharges land harder on state minimum policies than on full coverage: a DUI adds over a third to the state minimum baseline but only around a fifth to full coverage. That’s because Florida’s non-standard carriers, which write most state minimum policies for higher-risk drivers, build bigger surcharges into those policies to offset the risk they’re taking on.

In Florida, tickets and at-fault accidents can affect your rates for several years, with most insurers applying surcharges for roughly three to five years depending on the violation and the carrier. Since insurers weigh driving history differently, it’s worth re-shopping as violations age or eventually fall off your record.

Average cost of state minimum coverage in Jacksonville, by driving record

Average cost of full coverage in Jacksonville, by driving record

By credit score

Florida lets insurers use credit-based insurance scoring when setting rates, subject to fair-rating rules. In our Jacksonville data, the biggest premium swings happen between drivers with excellent credit and drivers with poor credit, so improving your credit (or shopping when it improves) tends to pay off here more than in most markets.

One quirk worth noting: drivers with Fair credit actually pay less on average than drivers with Good credit at both coverage levels, though that’s almost certainly a carrier-mix effect. Florida non-standard and specialty insurers tend to quote aggressively in the Fair tier, while standard carriers aren’t always as competitive there.

Average cost of state minimum coverage in Jacksonville, by credit score

Average cost of full coverage in Jacksonville, by credit score

How Jerry finds car insurance savings for Jacksonville drivers

Many Jacksonville drivers have seen their premiums rise lately, but there are still real savings to be found.

Jerry makes it easy to spot better deals by comparing quotes, finding discounts and more. Here are recent examples of Jacksonville customers who found lower quotes.

Recent quotes

Learn more: Best car insurance in Florida

Calculate your car insurance costs

If you’re looking to find the cheapest car insurance in Florida, below are four top tips that Jerry’s agents have found.

Jerry Agent Tip 1: Compare quotes to find the cheapest insurer

Comparing quotes from multiple companies helps you avoid paying more than you need for car insurance. Different insurers value driver profiles differently, which can lead to very different prices. Here you can see how Jerry customers have received different quotes for the same coverage:

Recent customer quotes

Jerry Agent Tip 2: Always stack discounts you qualify for

Drivers in Jacksonville can lower their premiums by taking advantage of discounts like having a safe driving record, getting a quote ahead of time or going paperless. These savings can help you get a lower quote without giving up the coverage you need. Jerry automatically searches for every discount you qualify for so you never miss a chance to save.

Jerry Agent Tip 3: Balance coverage and cost for smarter protection

Choosing the right mix of coverage helps drivers in Jacksonville stay protected without overspending. State minimums keep premiums low, while options like full coverage, standard and preferred tiers add stronger protections like rental reimbursement, towing and lower deductibles.

When you find the best balance between cost and protection, driving feels a lot more secure. Here are the coverage options available to drivers in Jacksonville:

• Coverage Definitions

  Bodily injury liability (BI)

  • Who it pays: The other person, for injuries when you’re at fault in a crash.

  • What it covers: Medical bills, lost wages and legal costs for people injured in an accident you cause.

  • How it pays: Up to your policy limits, shown as two numbers. For example, 50/100 means $50K per person and $100K per accident.*

  • Do you need it? Required by law in every state except New Hampshire. Your state sets a minimum, but Jerry recommends considering limits of at least 100/300.

  Property damage liability (PD)

  • Who it pays: The other person, for property you damage in a crash.

  • What it covers: Costs to repair or replace another person’s car, fence, mailbox or other property you hit.

  • How it pays: Up to your policy’s limit. For example, $50K.*

  • Do you need it? Required by law in every state except New Hampshire. Your state sets a minimum, but Jerry recommends considering limits of at least $100K.

  *Bodily injury liability and property damage liability are typically shown as three numbers on your policy, like 100/300/100. The first two numbers represent your bodily injury limits per person and per accident, while the third number represents your property damage limit.

  Collision

  • Who it pays: You, for damage to your own car.

  • What it covers: Costs to repair or replace your own car after a crash with another car or object, like a guardrail or pole.

  • How it pays: You pay a deductible first, then insurance covers the rest, typically up to your car’s current market value.

  • Do you need it? Required if you’re financing or leasing your car. Optional otherwise, but recommended if your car is worth more than $5,000. May not be worthwhile for older, lower-value cars.

  Comprehensive

  • Who it pays: You, for damage to your own car.

  • What it covers: Damage from non-crash events like theft, vandalism, hail, flooding, falling trees, fire or hitting an animal.

  • How it pays: You pay a deductible first, then insurance covers the rest, typically up to your car’s current market value.

  • Do you need it? Required if you’re financing or leasing your car. Optional otherwise, but recommended if your car is worth more than $5,000. May not be worthwhile for older, lower-value cars.

  Uninsured/underinsured motorist (UM/UIM)

  • Who it pays: You and your passengers, for injuries and property damage.

  • What it covers: Your own injuries and property damage when the at-fault driver has no insurance or not enough to cover your costs, including hit-and-runs in many states.

  • How it pays: Up to your chosen limits, which often match your BI limits. There’s usually no deductible for UM, but UIM may have one.

  • Do you need it? Required in some states, but Jerry recommends every driver get it, since about 1 in 8 drivers does not have car insurance.

  Personal injury protection (PIP)

  • Who it pays: You and your passengers, for medical bills and lost income, no matter who caused the accident.

  • What it covers: Medical bills, lost wages, childcare, funeral costs and other expenses after an accident, regardless of fault.

  • How it pays: Up to your policy limit. There’s usually no deductible, though this varies by state.

  • Do you need it? Required in no-fault states. If available in your state, it’s worth considering.

  Medical payments (MedPay)

  • Who it pays: You and your passengers, for medical bills.

  • What it covers: Medical expenses after an accident, regardless of fault.

  • How it pays: No deductible. Pays up to your policy’s limit.

  • Do you need it? Optional in most states, but can be valuable if you don’t have health insurance or have a high-deductible health plan.

Get personalized car insurance rates now.

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Jerry Agent Tip 4: Pick the right deductible

Raising your deductible typically lowers your car insurance premium. Just be sure you can comfortably cover that cost if you need to file a claim.

Here’s a look at the deductibles Jerry drivers chose in the past year:

To find the ideal deductible:

• Check your car’s value (Jerry tracks this for you monthly).

• Choose what you can afford out-of-pocket.

• See how deductibles change your rate in real time.

Florida car insurance minimums: What’s required in Jacksonville

Florida requires personal injury protection and property damage liability under the state’s no-fault auto insurance framework, with no required bodily injury liability. The minimums apply uniformly across the state, so Jacksonville drivers face the same statutory floor as drivers anywhere else in Florida. Here are the minimum requirements in Florida:

• $10,000 in personal injury protection (PIP) coverage.

• $10,000 in property damage liability coverage.

Florida is unusual in not requiring bodily injury liability at the minimum. Insurers must offer uninsured motorist coverage and bodily injury liability in Florida, but neither is mandatory and drivers can reject both in writing. Driving without the required coverage in Florida can result in license suspension, registration suspension and reinstatement fees.

Florida’s minimum coverage requirements are among the lowest in the country, but injury related crashes can quickly exceed those limits. The average economic cost of a disabling injury from a motor vehicle crash is $167,000, according to the National Safety Council, which is well above Florida’s $10,000 PIP minimum. Because of that gap, many Jacksonville drivers are better protected with bodily injury liability coverage and uninsured or underinsured motorist protection above the state minimums. Jerry can help you find affordable car insurance starting at just $171/mo.

Methodology

To find the cheapest car insurance in each state, we use proprietary, real-world quotes from drivers — not third-party estimates. Each shopping journey includes multiple rounds of quotes, with information verified along the way.

At every stage, we aggregate and anonymize data to protect privacy and ensure accuracy. Because Jerry has delivered millions of quotes, often with multiple offers per driver, our datasets are large enough to avoid bias toward any one region, carrier or driver type.

Unlike other sites that rely on modeled rates, Jerry is a licensed insurance broker in 50 states, giving us firsthand visibility into how quotes are generated and validated.

Unless otherwise stated, rates reflect the last six months of verified full-coverage quotes for clean-record drivers. Data involving accidents or credit uses the last 18 months to ensure reliability.

Read more about Jerry’s data gathering and verification processes