Compare the Cheapest Car Insurance Quotes in Jacksonville, FL

Below are the best information about Auto insurance jacksonville fl voted by users and compiled by us, invite you to learn together

In Jacksonville, GEICO offers full coverage auto insurance for an average of $1,115 per year or state-required minimum coverage for roughly $475 per year. Drivers with speeding ticket violations can save the most money with State Farm, which charges an average annual premium of $1,547. USAA’s coverage may be the most comprehensive for military families. MoneyGeek recommends GEICO for both price and customer service.

These insurers offer the best value for the average Jacksonville driver with a full coverage policy:

  • GEICO: $1,115 annually
  • State Farm: $1,440 annually

With an annual premium of $770, USAA is a good option for Jacksonville military personnel and their families.

In Jacksonville, GEICO is the most affordable option for car insurance. In contrast, Progressive’s annual premium is roughly $2,253, which is the most expensive in the city. Comprehensive and collision coverage is included in both insurers’ premiums for full coverage car insurance. Comprehensive and collision insurance are included in full coverage policies. However, the cost varies depending on the liability limits you choose.

Cheapest Car Insurance in Jacksonville

MoneyGeek’s analysis based its findings on rates for a 40-year-old male driver with a full coverage policy as described in our methodology.

A comprehensive and collision coverage will cost more than a policy with only liability coverage. Full coverage car insurance, on the other hand, provides additional security in the event of an accident by helping to cover the costs of car damage. This is important since it guards you against the high expense of vehicle damage.

  • Collision Insurance: This protects you by paying for vehicle damage if you cause an accident and collide with another driver or a tree, fence or another stationary object.
  • Comprehensive Insurance: This protects you against damage to your car from non-collision, such as hail, theft or vandalism.

If you own an older car, note that full coverage car insurance may cost you more than the car is worth. This is when liability only insurance or even state-minimum coverage may be your best bet for getting the lowest prices possible.

In Jacksonville, policies with minimal coverage are the most cost-effective option. State minimum insurance policies have the following insurers as the most affordable options:

  • GEICO: $475 per year
  • State Farm: $738 per year

Former and present Jacksonville military personnel and their families will find USAA auto insurance an affordable alternative with an annual rate of $338.

GEICO’s policy has a yearly premium that is less than Progressive’s at $1,312. You’ll save money by opting for minimum coverage policies, but you’ll be at risk of not being fully covered if you don’t have collision and comprehensive insurance. See how rates change when liability limitations increase using the table below.

Cheapest Minimum Liability Car Insurance in Jacksonville

In Florida, drivers are required to have state minimum liability-only auto insurance with $10,000 in personal injury protection and $10,000 in property damage liability coverage. This is the cheapest auto insurance option in Jacksonville, but the trade-off for low premiums is that you may have to pay substantially more out of pocket after an accident.

For instance, if you’re in an accident and the other driver’s total medical bills reach $15,000, you would be covered for $10,000 and have to pay the remaining $5,000 yourself.

A traffic violation, such as a speeding ticket or a DUI, can considerably impact the cost of car insurance in Jacksonville. On average, the following are the most affordable insurance providers based on your particular violation:

  • Cheapest after a ticket: State Farm, $1,547 per year
  • Cheapest after an at-fault accident: GEICO, $1,535 per year
  • Cheapest after a DUI: State Farm, $1,1547 per year

If you have a history of driving violations on your record, your best bet is to work on improving your record over time. After a ticket or a car accident, shop around for insurance plans to see which companies offer the most affordable rates.

Cheapest Car Insurance in Jacksonville With a Violation

Insurance providers determine car insurance quotes in Jacksonville using various factors, including age, gender, credit score, make and model of the vehicle, driving history and ZIP code, among others. For instance, an 18-year-old male can get a GEICO policy for an average of $2,938 per year. However, the company will give a cheaper average annual rate of $1,115 for a 40-year-old male. It is important to note that any changes in your circumstances will also affect your car insurance annual premium. So, it is best to get personalized quotes regularly.

MoneyGeek ranked auto insurance companies in Jacksonville to find the best carriers that offer quality service and policies at a fair price. The best insurers in the city for most drivers are:

  • GEICO: MoneyGeek score of 95 out of 100
  • State Farm: MoneyGeek score of 85 out of 100

MoneyGeek’s scoring system gave USAA the highest possible score in Jacksonville. However, USAA is exclusively available for military personnel, veterans and their families.

MoneyGeek’s rating system factors in J.D. Power’s user satisfaction, pricing and financial stability scores to arrive at the final rankings.

Where you reside plays a big role in how much your car insurance will cost. For example, average car insurance rates in Jacksonville based on ZIP code range from $1,616 to $1,859 annually. Drivers living in the 32256 ZIP code have the most affordable average annual premium, which is $242 lower than the most expensive neighborhood in terms of auto coverage — 32218.

Methodology and Assumptions

MoneyGeek gathered premiums and information from J.D. Power, AM Best and the NAIC to score insurers in Jacksonville as follows:

  • Affordability (70%)
  • Customer satisfaction (10%)
  • Claims (10%)
  • Financial stability (10%)

Affordability took a collection of driver profiles with varying ages, records and coverages into account. We transposed the data for each criterion toa five-points scale and then cast this number out of 100 to generate our MoneyGeek score.

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