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Jacksonville Car Insurance

How much does car insurance cost in Jacksonville, FL? Check out the average rates that drivers pay below.

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What Is the Average Cost of Car Insurance in Jacksonville?

Jacksonville, Florida is a popular tourism spot known for its sparkling Intracoastal Waterway, white-sand beaches and fantastic cultural destinations. It is one of the best water sports getaways for kayakers, surfers and divers. Residents and visitors love visiting the area's five-star restaurants, fashion boutiques and surf shops at Jacksonville, Neptune, and Atlantic Beaches.

The city also gave birth to the Salt Life movement and is one of America's top 20 Art Destinations. Although you can use the Jacksonville Transportation Authority to ride around town, you'll still need a car to explore everything in this natural paradise.

Are you a Jacksonville resident that needs insurance coverage for your vehicle? SmartFinancial can help you find affordable insurers that fit your needs and budget. In this article, you'll learn about the auto insurance requirements for Jacksonville.

Monthly Average Rates by Country, State, and City

Car insurance rates vary from driver to driver and are based on many factors that include driving history, claims history and where you live. Each city in Florida has different rates, and below, you can compare average rates with the national average. According to our data, drivers who live in Jacksonville typically pay around $175.65 per month compared to the national average of $135.68 per month. The best way to get a low rate is by comparison shopping. SmartFinancial can do that for you at no cost while pairing you with a reputable insurance company so you have no surprises if you have an accident.

AreaAverage Monthly Rate
National $135.68
Florida $188.97
Jacksonville, Florida $175.65

Jacksonville, FL Best Car Insurance Companies

car insurance in Jacksonville

Certain insurers will offer you better rates than others based on a myriad of factors, so you may get a better deal from one insurer over another for various reasons, and that’s why it’s important to compare. According to our data, Liberty Mutual generally has the most affordable car insurance in Jacksonville coming in around $108.75 per month. Other companies to consider if you live in Jacksonville is State Farm with an average cost of $144.56 per month and Allstate which typically runs around $192.62 per month. Check out the full list below. SmartFinancial rates the following insurers as the best insurance companies for drivers in Jacksonville.

RankCompanyAverage Monthly RateComparison State Average
1 Liberty Mutual $108.75-42.45%
2 State Farm $144.56-23.50%
3 Allstate $192.621.93%
4 Direct Auto $198.985.29%
5 Allied $210.5111.40%
6 21st Century $210.8011.55%
7 Mercury $218.5415.64%
8 Direct General Insurance $219.1915.99%
9 Metropolitan $247.3530.89%
10 United Automobile Ins Group $315.8067.11%

How Much is Car Insurance in Jacksonville, FL?

how much is auto insurance in Jacksonville

Rates can vary from city to city. The residents of Fort Lauderdale typically pay $225.53 per month while people who live in Jacksonville will pay $176.70 per month on average. See what people pay for car insurance in other cities in Florida.

Florida CitiesMonthly Average Rate
Fort Lauderdale $225.53
Jacksonville $176.70
Miami $272.22
Orlando $202.89
Tampa $255.72

Cheap Car Insurance in Jacksonville by Zip Codes

find cheap auto insurance in Jacksonville

Every zip code rates differently with every insurer. Your zip code determines the crime rate in your area as well as other risks. Below, you can see how average rates range across the state of Florida. If you live in an area that is rated high in crime, you can make sure to garage your car in a safe place. That ought to save you some money. Covered and gated structures are best. Make sure to tell your insurance agent about the precautions you’re taking.

Jacksonville, FL ZIP CodeAverage Monthly Rate
32099$155.39
32202$165.10
32203$208.99
32204$176.08
32205$164.57
32206$164.91
32207$172.16
32208$193.67
32209$183.63
32210$186.88
32211$193.94
32212$232.41
32214$199.50
32216$158.65
32217$182.59
32218$180.55
32219$160.80
32220$176.06
32221$186.13
32222$190.68
32223$153.88
32224$171.52
32225$173.77
32226$161.41
32227$137.40
32228$388.50
32229$162.80
32234$162.30
32236$134.43
32239$159.81
32244$175.91
32245$256.81
32246$164.41
32254$183.61
32256$163.25
32257$168.38
32258$149.55
32277$185.03
32290$183.21

Car Insurance Rates by Driver's Age Group in Jacksonville

Generally speaking, you pay more in car insurance the younger you are and the older you are. Teens and young adults often pay around $337.01 per month in Jacksonville. Compare that to drivers in their 30’s who typically pay around $167.71 per month drivers in their 40s at $159.27 per month. It’s always a good idea to check for discounts that apply at any age. Some discounts include away-at-school discount, safe driver discount, mature driver discount, good student discount as well as multi-policy and bundling discounts.

Age GroupAverage Monthly Rate
16-19$337.01
20s$215.43
30s$167.71
40s$159.27
50s$136.74
60s$132.63
70+$156.01

Cheapest Insurance for Teenage Drivers in Jacksonville

If you are teen in Jacksonville you are probably looking for a good deal on car insurance. Since teenage drivers typically pay the highest rates of any other age group, it’s important to compare multiple companies. According to our research, Direct Auto typically charges around $318.38 per month. This is likely the most affordable option in Jacksonville. You might also want to consider State Farm and 21st Century who also offer good affordable policies for teen drivers.

CompanyAverage Monthly Rate
Direct Auto$318.38
State Farm$329.06
21st Century$346.12
Allstate$462.46
Metropolitan$503.27

Cheapest Insurance for 20 Year-olds in Jacksonville

20 year-olds in Jacksonville might want to consider State Farm who, on average, offers car insurance rates around $175.65 per month. Direct Auto, Allied , Allstate and 21st Century are also in the top 5 cheapest rates available.

CompanyAverage Monthly Rate
State Farm$175.65
Direct Auto$234.86
Allied$238.26
Allstate$243.44
21st Century$252.13

Cheapest Insurance for 30 Year-olds in Jacksonville

If you are in your 30s in Jacksonville our research has found that Liberty Mutual typically has the most affordable coverage coming in around $108.75 per month, followed by State Farm at $127.94 and Allstate at $165.86.

CompanyAverage Monthly Rate
Liberty Mutual$108.75
State Farm$127.94
Allstate$165.86
Allied$185.29
Mercury$189.14

Cheapest Insurance for 40 Year-olds in Jacksonville

On average, State Farm offers car insurance for 40 year-olds in Jacksonville for around $126.69 per month. If you are looking for affordable coverage, you may also want to consider Allstate or Direct Auto. The full list of top companies is below.

CompanyAverage Monthly Rate
State Farm$126.69
Allstate$167.47
Direct Auto$178.23
Mercury$179.07
Allied$182.20

Cheapest Insurance for 50 Year-olds in Jacksonville

Oftentimes 50 year-olds enjoy some of the lowest rates of any other age group. In Jacksonville we found that State Farm generally offers the most affordable coverage at $120.31 per month.

CompanyAverage Monthly Rate
State Farm$120.31
Allstate$148.37
Mercury$154.07
Allied$162.25
Direct Auto$171.53

Cheapest Insurance for 60 Year-olds in Jacksonville

If you live in Jacksonville and you’re in your 60s, our data indicates that State Farm usually has the best rates at $114.90 per month. The top 5 list of car insurance companies is below.

CompanyAverage Monthly Rate
State Farm$114.90
Allstate$145.81
Mercury$151.83
Allied$159.23
Direct Auto$159.45

Driver's Coverage Auto Insurance Rates in Jacksonville, FL

driver's coverage

Typically, drivers who currently have car insurance coverage will receive a cheaper monthly quote than drivers who do not. Since car insurance is a requirement in all 50 states, companies may question why you don't currently have coverage. Because of this, they may see you as a higher risk driver. In Jacksonville, the average monthly rate for a driver who is currently insured is $153.22 while drivers who are not currently covered will pay around $197.02.

CoverageAverage Monthly Rate
Not Currently Insured $197.02
Currently Insured $153.22

Compare Recent Car Insurance Quotes in Jacksonville

auto insurance quotes in Jacksonville city

Your vehicle plays a big part in how you rate for car insurance. The more your car is worth, the higher your car insurance rate. To lower your monthly premiums, you can set a higher deductible, but you’ll need to pay that deductible if you have an accident. Generally speaking, the newer a car is, the more it’s worth, and you may pay more in premiums, but the latest safety features will earn you a discount. The overall safety ratings of a car are also considered when determining your rate. In Jacksonville a driver of a 2001 Toyota Corolla can expect to pay around $193.55 per month while someone that owns a 2005 Saturn Ion may pay around $164.18 per month. Check out the list of recent quotes in Jacksonville below.

VehicleAverage Monthly Rate
2001 Toyota Corolla$193.55
2005 Saturn Ion$164.18
2004 Kia optima ex$171.76
2016 Nissan Altima$128.79
2018 Ford F150$109.16
2004 Mitsubishi Galant$162.37
2018 Honda Accord$152.86
2002 Toyota Tundra$139.86
2014 Ford Focus$114.94
2016 Hyundai Santa Fe Sport$98.57

FAQ's for Drivers in Jacksonville, FL

driver’s frequently asked question in Jacksonville

What Is the Minimum Amount of Liability Coverage Requirement in Jacksonville, Florida?

Florida Law requires drivers to have the following coverage for their vehicles:

  • Bodily Injury Coverage*: $10,000 per person / $20,000 per accident
  • Property Damage coverage: $10,000 per accident
  • Uninsured Motorist coverage*: $10,000 per person / $20,000 per accident
  • Personal Liability Protection (PIP): $10,000

Florida's minimum amount of coverage may not provide enough coverage if you have an accident. You should consider buying additional insurance to protect yourself and your assets.

*Individuals can waive these coverages.

What Is the Blood Alcohol Concentration (BAC) Limit in Jacksonville?

Florida Law considers Driving Under the Influence (DUI) as using alcohol, controlled substances, or chemical substances while operating a vehicle. Under the 2020 Florida Statutes section, 316.193 intoxicated drivers have either:

(a) 0.08 BAC or more grams of alcohol per 100 milliliters of blood; or

(b) The person has a breath alcohol level of 0.08 or more grams of alcohol per 210 liters of breath.

Are you a Jacksonville resident with a DUI on your records? We understand no one is perfect. Unfortunately, a single conviction can cause your insurance premiums to increase. You can shop for a carrier that has more affordable rates using SmartFinancial.

Can I Register My Car Without Insurance in Jacksonville?

No, you can't register your car without insurance. The Florida Highway Safety and Motor Vehicles requires individuals with at least four wheels to show proof of Personal Injury Protection (PIP) and Property Damage Liability (PDL) auto insurance. PIP must cover 80 percent of all necessary and reasonable medical expenses up to $10,000. These must be covered injuries, regardless of who caused the car accident. PDL pays for damage to another person's property caused by the driver or someone else using the insured individual's vehicle.

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Commute Time in Jacksonville, FL

24.6 Miles
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Commute Time in United States

26.4 Miles
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Number of Nearest Insurance Agents in Jacksonville, FL

159

Methodology
The statistics listed on this page are from our own in house reporting. We track and record quotes that carriers have provided based on various criteria. The rates and averages shown on this page should only be used as an estimate.

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