Cheapest Car Insurance Quotes in Jacksonville, Florida

Best cheap car insurance in Jacksonville

Cheapest auto insurance in Jacksonville: Geico

Geico had the most affordable minimum liability rates for Jacksonville drivers at an average monthly cost of $24 — 73% less than the city average.

The next-cheapest option is State Farm, but it's 40% more expensive than Geico’s minimum insurance policy.

A minimum-liability policy provides the lowest amount of coverage a state requires drivers to hold in order to legally operate a vehicle. Florida has the second-highest rates for a minimum-liability policy in the country.

Cheapest minimum-coverage car insurance in Jacksonville

Although the cheapest coverage option is a minimum policy, this may not necessarily be the best for your needs. For example, drivers insured with a liability-only policy are not financially protected from damage caused by storms or hurricanes.

Jacksonville residents who own new vehicles or cars worth more than $5,000 should invest in higher coverage limits and extra protection options.

Cheapest Jacksonville full-coverage quote: Geico

Geico has the most affordable full-coverage policy in Jacksonville. At $120 per month, Iits full-coverage policy is about half as expensive as the average rate citywide.

The second-cheapest insurance company, State Farm, has a full-coverage policy that is just a few dollars more, at $126 per month.

Full coverage is more expensive than a minimum-liability policy because it includes comprehensive and collision coverage.

We recommend you invest in extra coverage or higher limits if your car is less than 10 years old or worth more than $3,000.

Cheap car insurance for drivers with prior incidents

Cheapest car insurance after a speeding ticket: State Farm

State Farm has the cheapest rates for Jacksonville drivers with a recent speeding ticket. Its average price of $135 per month was 46% less than the citywide average.

Insurance companies have found that people with recent speeding tickets on their records are more likely to file claims in the future, so your insurance bill will go up about 18% on average if you've gotten a ticket this year.

Cheapest insurance in Jacksonville for drivers with accident histories: Geico

State Farm has the best price for car insurance in Jacksonville after an at-fault car crash. The typical price of car insurance from the company is $145 per month — 57% less than average.

State Farm's prices were also on the affordable side, at just $158 per month. The average price of car insurance after a crash is $338 per month for full coverage.

Depending on your insurance company, you may see a jump in costs of up to several thousands of dollars per year after an accident. That's because drivers who have been at fault in one crash are more likely to make another claim in the future.

Accidents are unpredictable; you never know when you might be involved in one. We recommend comparing car insurance from multiple companies and looking for extra discounts.

Cheapest car insurance after a DUI: State Farm

State Farm is the best option for DUI insurance in Jacksonville, where coverage costs about $135 per month. Geico is also relatively cheap, at $199 per month.

A DUI is one of the most serious offenses you can have on your record, and the cost of your insurance reflects that. Getting a DUI in Jacksonville will raise your insurance by an average of 34% when compared to a driver with a clean record.

A driver with a DUI in Florida is also likely to need an FR-44. These forms certify to the state that you are carrying car insurance and come with an extra fee — on top of the higher rates you're paying for coverage.

Cheapest car insurance for drivers with poor credit: Geico

Drivers with bad credit in Jacksonville should consider Geico, where an average quote in Jacksonville is $214 per month for full coverage. That's 44% less than the average price of $383 per month.

While your credit score doesn't have anything to do with your driving ability, insurance companies have found that a driver with a lower credit score is more likely to make an insurance claim. As such, having worse credit means you'll pay more for car insurance.

Best car insurance for young Jacksonville drivers: Geico

Geico is the cheapest car insurance for younger drivers in Jacksonville. Minimum liability coverage is just $56 per month, while full coverage is $286 per month. That makes Geico well more affordable at both levels and the cheapest option citywide.

Young and new drivers are statistically more likely to be involved in an accident than older drivers. Insurance companies see young drivers as high risk and as a result, charge them higher insurance rates.

Young drivers often have to navigate the pricey landscape of insurance in Florida, oftentimes with a limited budget. There are a few ways you can make your insurance more affordable.

Best insurance company customer service in Jacksonville, Florida

These companies have few complaints from customers, suggesting people tend to be satisfied with their service. They are reviewed well by ValuePenguin's editors, and offer great service and coverage options in addition to affordable prices.

Jacksonville drivers should consider insurance companies that have top-ranked customer service. Even if a company has low insurance rates, it may not be enough to make up for long claims processes, lagging or nonexistent response times or rude agents.

Average cost of insurance by Jacksonville area

Meanwhile, residents of Riverview, the most expensive neighborhood, will pay about $250 per month.

Insurance rates usually fluctuate depending on the area of the city you reside in. Each neighborhood in Jacksonville differs in terms of crime rate, accident rate and population density. However, we found that rates within Jacksonville are fairly consistent. We found a difference of only 17% between the least and most expensive areas

Minimum coverage requirements in Jacksonville, Florida

Florida law requires all Jacksonville drivers have to at least the following car insurance coverage levels:

Although the minimum-coverage policy is the cheapest option, it may not meet your individual needs. If you get into an expensive accident, the damage to your car will not be covered under a minimum policy, and you will have to pay out-of-pocket costs. Always consider your background and individual needs before deciding whether to get more or less coverage.

Unlike almost every other state, Florida doesn't require its drivers to carry liability insurance.

No-fault state

Florida is one of 15 no-fault states in the U.S. No-fault insurance requires insurance companies to provide coverage for medical costs regardless of who is at fault in an accident.

PIP covers up to 80% of medical expenses and 60% of lost income if you are unable to work, with a combined limit of $10,000. PDL reimburses property damage to other drivers' vehicles in an accident, with a limit of $10,000.

Drivers found to be at fault in an accident can still be sued if the accident resulted in serious injuries or death. You should strongly consider having bodily injury liability (BIL) coverage to pay for the costs of people injured in an accident and to pay for legal defense fees if you are sued.

Methodology

To find the best cheap car insurance in Jacksonville, ValuePenguin collected quotes from the most popular insurance companies in Florida. Rates are for a 30-year-old single man with good credit and no accident history who drives a 2015 Honda Civic EX.

Full-coverage policies include comprehensive and collision coverage, plus higher liability limits than the state requirement.

ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes may be different.