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Car Insurance Quotes in Jacksonville, FL

Full coverage / year
$4,330
State minimum / year
$1,419
Typical quote range
$3,074 – $5,976

The estimated cost of full coverage car insurance in Jacksonville is $4,330 a year, against $1,419 for a state-minimum policy. That sits about 24% above the Florida average, which is what you would expect from dense metro traffic, higher theft and vandalism claims, and expensive body-shop labour. Two drivers on the same street routinely pay double the difference, so treat the average as a starting point and quote your own profile.

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Car insurance calculator — Jacksonville, FL

Estimated from state average premiums and your rating factors. Not a quote.

Your estimated premium
$361/ month
$4,330 per year · carriers in Jacksonville, FL typically quote $3,074 – $5,976
See real quotes for my ZIP →

We may be paid a referral fee when you request quotes through partner links on this page. It never changes what you pay. Estimates are modelled, not quoted — see our methodology.

Cheapest car insurance companies in Jacksonville, FL

InsurerEst. annualEst. monthlyvs. averageNotes
USAA$3,291$274-24%Military members and families only
Geico$3,551$296-18%Usually cheapest for clean records
State Farm$3,810$318-12%Strong for young and student drivers
Progressive$4,114$343-5%Competitive after a ticket or accident
Travelers$4,200$350-3%Good multi-policy discounts
Nationwide$4,330$3610%Mid-market, wide availability
Allstate$4,936$411+14%Higher base rate, heavy discount stacking
Farmers$5,239$437+21%Agent-led, priced above market

Modelled estimates for a 35-year-old with a clean record and full coverage in Jacksonville, FL. USAA tends to sit lowest, but the ranking flips constantly by ZIP and driver profile — which is exactly why quoting three carriers is worth the ten minutes.

Car insurance rates by age in Jacksonville

Driver ageFull coverage / yrMinimum / yrFull coverage / mo
16 years old$11,696$3,834$975
18 years old$9,865$3,234$822
20 years old$8,169$2,678$681
22 years old$6,785$2,224$565
25 years old$5,178$1,697$432
30 years old$4,464$1,463$372
40 years old$4,196$1,375$350
50 years old$4,018$1,317$335
60 years old$3,973$1,302$331
65 years old$4,152$1,361$346
70 years old$4,553$1,492$379
75 years old$5,312$1,741$443

Estimated premiums by age in Jacksonville, FL, clean record, sedan.

What a ticket, accident or DUI costs in Jacksonville

Driving recordEst. annualIncrease
Clean record$4,330—
1 speeding ticket$5,326+23%
1 at-fault accident$6,365+47%
DUI / DWI$8,184+89%

What a violation costs a 35-year-old in Jacksonville, FL. Surcharges normally stay on the policy for three to five years.

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Minimum car insurance requirements in Florida

Every driver registering a vehicle in Florida must carry at least the limits below. Driving without them risks fines, licence suspension and an SR-22 filing requirement. Verify current limits with the Florida Department of Insurance.

Required coverage in FloridaMinimum limit
Property damage liability$10,000
Personal Injury Protection $10,000Required
Insurance systemNo-fault

Coverage levels compared in Jacksonville

Coverage levelEst. annualEst. monthly
State minimum liability$1,419$118
Full coverage (100/300/100 + comp & collision)$4,330$361
Full coverage, high limits + low deductible$5,153$429

Coverage level comparison for Jacksonville, FL.

Minimum liability is the cheapest legal option, but it pays nothing toward your own car. If your vehicle is worth more than roughly $3,000, or you still owe money on it, full coverage is normally the rational choice — the lender will require it either way.

ZIP codes we price in Jacksonville

Rates move between ZIP codes inside the same city, sometimes by 15% or more, because claim frequency and theft rates are measured at ZIP level. Jacksonville covers 32099, 32201, 32202, 32203, 32204, 32205 among others. Enter yours in the calculator above.

Frequently asked questions

▸How much is car insurance in Jacksonville, FL?
Full coverage in Jacksonville is estimated at $4,330 a year ($361 a month) for a 35-year-old with a clean record. A state-minimum liability policy is estimated at $1,419 a year. Actual quotes vary with your ZIP, vehicle, credit tier where permitted, and claims history.
▸What is the minimum car insurance required in Florida?
Florida requires at least $10,000 property damage liability, plus personal injury protection $10,000. Florida is a no-fault state, so your own policy pays your initial medical costs regardless of who caused the crash.
▸Who has the cheapest car insurance in Jacksonville?
On our modelled comparison, Geico, State Farm and Progressive tend to price lowest in Jacksonville for clean records, with USAA lower still for military families. The order changes by ZIP code and driver profile, which is why quoting at least three carriers is worth doing at every renewal.
▸How much does car insurance cost for a teen driver in Jacksonville?
An 18-year-old in Jacksonville is estimated at $9,865 a year for full coverage — roughly 128% above a 35-year-old on the same policy. Adding the teen to a parent's policy rather than buying a standalone one almost always costs less.
▸How much does a DUI raise insurance in Jacksonville?
A DUI takes the estimate from $4,330 to about $8,184 a year in Jacksonville, an increase of roughly 89%. Florida drivers with a DUI usually also need an SR-22 certificate filed by the insurer.
▸Can I lower my car insurance bill in Jacksonville?
The three changes with the largest effect are raising your deductible from $500 to $1,000 (about 9% off the comprehensive and collision portion), bundling home or renters cover, and re-shopping at renewal — loyalty rarely earns a discount. Low-mileage and telematics programmes are worth checking if you drive under 7,500 miles a year.
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Car insurance in nearby cities

Jacksonville BeachOakleaf PlantationLakesideFruit CovePonte Vedra BeachFleming IslandPalm ValleyPalm Coast

Comparing more of Florida? See every Florida city we price or read the cheap car insurance guide for Jacksonville.