Cheapest Car Insurance Quotes in Jacksonville (2025)
Best cheap car insurance in Jacksonville
Cheapest full-coverage car insurance in Jacksonville: Geico
Both Geico and State Farm offer a wide range of discounts that can help you to save money on your full-coverage insurance Full-coverage car insurance usually includes liability, collision and comprehensive coverages. Liability covers injuries and damage you cause to others. Collision and comprehensive protect your own vehicle from damage and theft. policy.
Cheapest companies for full coverage
| Company | Annual rate | LendingTree score | |
|---|---|---|---|
 | Geico | $1,724 |  |
 | State Farm | $1,922 |  |
 | Travelers | $2,105 | |
 | UAIC | $2,716 |  |
 | Progressive | $3,357 |  |
 | Farmers | $4,717 | |
 | Allstate | $5,863 | |
Best cheap liability-only car insurance in Jacksonville: Geico
While Geico has cheaper rates for liability insurance Liability car insurance covers injuries and damage you cause to others. Most states require drivers to buy at least a minimum amount of liability coverage. than State Farm, State Farm earned a higher customer satisfaction rating in J.D. Power’s 2024 U.S. Auto Insurance Study.
Florida law requires drivers to carry the state’s minimum required car insurance limits.
Cheapest company for minimum coverage
| Company | Annual rate |
|---|---|
| Geico | $395 |
| State Farm | $584 |
| Travelers | $659 |
| Farmers | $1,237 |
| Progressive | $1,455 |
| UAIC | $1,474 |
| Allstate | $2,346 |
Cheap auto insurance for Jacksonville teens: Geico
Geico offers a 15% discount for students who get good grades, as well as a discount for young drivers who take a qualified driver’s safety course.
If you’re a parent looking for cheap car insurance for a young driver, consider adding them to your current policy. It will raise your rates, but it should still be cheaper than if you both had your own policies.
Cheapest companies for teen drivers
| Company | Liability-only | Full coverage |
|---|---|---|
| Geico | $947 | $4,531 |
| Travelers | $1,492 | $5,477 |
| State Farm | $1,587 | $5,685 |
| UAIC | $3,509 | $6,285 |
| Farmers | $4,131 | $15,895 |
| Allstate | $4,198 | $15,552 |
| Progressive | $4,841 | $13,284 |
Best Jacksonville car insurance after a speeding ticket: State Farm
State Farm has a few more discounts to choose from than Travelers, but the difference in the rates of the two companies is close enough that either company may be your cheapest choice after discounts are applied.
After getting a ticket in Jacksonville, you can expect your car insurance to go up around 18%.
Cheapest companies after a ticket
| Company | Annual rate |
|---|---|
| State Farm | $2,073 |
| Travelers | $2,583 |
| UAIC | $2,716 |
| Geico | $2,906 |
| Progressive | $4,502 |
| Farmers | $5,797 |
| Allstate | $5,863 |
Jacksonville’s cheapest car insurance after an accident: State Farm
The average driver in Jacksonville sees their car insurance rates go up 46% after an accident.
| Company | Annual rate |
|---|---|
| State Farm | $2,238 |
| Geico | $2,369 |
| Travelers | $2,861 |
| UAIC | $3,548 |
| Progressive | $5,012 |
| Farmers | $6,713 |
| Allstate | $10,076 |
Cheap insurance rates for teens with a bad driving record in Jacksonville: Geico
Cheapest companies for teens with bad driving records
| Company | Ticket | Accident |
|---|---|---|
| Geico | $1,117 | $975 |
| State Farm | $1,744 | $1,915 |
| Travelers | $1,813 | $2,074 |
| UAIC | $3,509 | $4,363 |
| Allstate | $4,198 | $8,136 |
| Farmers | $4,980 | $5,276 |
| Progressive | $5,177 | $5,350 |
Best Jacksonville auto insurance rates after a DUI: Travelers
After a DUI, Jacksonville drivers see their rates go up around 57%.
Cheapest companies after a DUI
| Company | Annual rate |
|---|---|
| Travelers | $3,322 |
| Geico | $3,641 |
| Progressive | $4,121 |
| UAIC | $4,817 |
| Farmers | $5,414 |
| State Farm | $5,574 |
| Allstate | $8,252 |
Best cheap auto insurance in Jacksonville for drivers with bad credit: UAIC
Considering how many car insurance discounts Geico offers, it could be the cheapest option for you if you qualify for a few of them.
Jacksonville drivers with poor credit pay 88% more for car insurance than do drivers with good credit, on average.
Learn your credit score for free at LendingTree Spring before you shop for insurance.
Cheapest companies for drivers with poor credit
| Company | Annual rate |
|---|---|
| UAIC | $2,716 |
| Geico | $3,210 |
| Travelers | $4,207 |
| Progressive | $5,178 |
| Farmers | $6,411 |
| State Farm | $9,175 |
| Allstate | $11,159 |
Best car insurance companies in Jacksonville
State Farm has a higher J.D. Power customer satisfaction rating than Geico, though their financial strength is equal. Both companies offer several add-on coverages, but Geico’s mechanical breakdown insurance coverage is noteworthy. It covers costs from repairs if your vehicle breaks down, needs replacement parts or suffers other types of mechanical problems.
Jacksonville car insurance company ratings
| Company | J.D. Power* | AM Best | LendingTree |
|---|---|---|---|
| Allstate | 635 | A+ | |
| Farmers | 619 | A | |
| Geico | 637 | A++ | |
| Progressive | 622 | A+ | |
| State Farm | 657 | A++ | |
| Travelers | 616 | A++ | |
| UAIC | Not rated | Not rated | |
*Source: J.D. Power 2024 U.S. Auto Insurance Study. Higher is better; 644 is average.
Jacksonville car insurance rates by ZIP code
Where you live in Jacksonville is only one of the factors companies use to set your car insurance quote. Others include:
- Your age
- Car insurance limits you need
- The make and model of your car
- Your driving record
- Your car insurance claim record
Jacksonville insurance by ZIP code
| ZIP code | Annual rate |
|---|---|
| 32099 | $3,073 |
| 32202 | $3,302 |
| 32204 | $3,263 |
| 32205 | $3,294 |
| 32206 | $3,313 |
| 32207 | $3,312 |
| 32208 | $3,357 |
| 32209 | $3,315 |
| 32210 | $3,297 |
| 32211 | $3,279 |
| 32212 | $3,157 |
| 32216 | $3,019 |
| 32217 | $3,194 |
| 32218 | $3,191 |
| 32219 | $3,232 |
| 32220 | $3,196 |
| 32221 | $3,180 |
| 32222 | $3,142 |
| 32223 | $2,935 |
| 32224 | $2,902 |
| 32225 | $3,021 |
| 32226 | $3,091 |
| 32227 | $2,870 |
| 32233 | $2,910 |
| 32234 | $2,949 |
| 32244 | $3,132 |
| 32246 | $2,998 |
| 32250 | $2,902 |
| 32254 | $3,178 |
| 32256 | $2,875 |
| 32257 | $3,155 |
| 32258 | $2,872 |
| 32277 | $3,216 |
Minimum coverage for car insurance in Jacksonville
- $10,000 property damage liability (PDL)
- $10,000 personal injury protection (PIP)
If you struggle to buy car insurance in Jacksonville, contact the Florida Automobile Joint Underwriting Association (FAJUA). The FAJUA program is in place to make sure that all Florida residents have at least the state-required amount of liability car insurance.