We at Home Media’s review team have taken a close look at auto insurance costs in Jacksonville, Fla. In our study, we used data collected by Quadrant Information Services to examine the average fares for different driver profiles. If you are looking for the cheapest car insurance in Jacksonville, we recommend getting quotes from those in the country best car insurance businesses.
Cheapest auto insurance Jacksonville
Our research found that Geico, State Farm, Travelers, Farmers, and Mercury Insurance typically have the cheapest rates for auto insurance in Jacksonville.
Cheapest liability auto insurance in Jacksonville
In Jacksonville, we found that Geico and State Farm offer the cheapest minimum state coverage on average. Geico charges an average of $36 per month or $437 per yearwhile State Farm charges $59 per month or $703 per year average.
Each state sets its own minimum auto insurance requirements. Florida requires drivers to carry at least $10,000 in property damage liability insurance and $10,000 in Personal Injury Protection (PIP insurance). Florida drivers are not required to have personal injury liability coverage.
Cheapest full coverage auto insurance in Jacksonville
Geico and State Farm usually offer the least expensive full coverage auto insurance in Jacksonville, averaging Geico $129 per month or $1,547 per year and state farm averages $141 per month or $1,692 per year.
The most expensive full coverage insurance policy in Jacksonville, on average, comes from Direct Auto Insurance, which offers policies that cost $280 per month or $3,357 per year average.
Full coverage policies bundle the minimum liability coverage with collision insurance and comprehensive insurance.
Auto insurance in Jacksonville
Insurers calculate auto insurance quotes by weighing a number of factors, including your age, marital status, gender, and driving habits. Below are average rates based on each of these factors.
Cheapest Car Insurance Jacksonville: Age & Marital Status
Your age has a major impact on how much you pay for insurance coverage. Teen drivers typically pay much more than older and more experienced drivers because providers view them as a higher risk.
Your marital status also affects your insurance rates. Married drivers generally pay less for car insurance than single drivers.
The table below shows the annual rate averages for single 24-year-old drivers and married 35-year-olds in Jacksonville. Married 35-year-old drivers generally pay less for full-coverage auto insurance.
Cheapest Auto Insurance Jacksonville: Gender
On average, insurance premiums for men and women are comparable. In Jacksonville, the cost difference for male and female drivers is often less than $100.
Below is a table of the average annual coverage percentages for 35-year-old male and female drivers. Geico usually offers the cheapest rates for both groups in Jacksonville.
Cheapest Auto Insurance Jacksonville: High Risk Drivers
Insurers weigh your driving history heavily when calculating car insurance rates. Drivers with a speeding ticket, a car accident at fault, or a recent DUI can pay hundreds of dollars more each year for car insurance.
In the sections below, we take a look at how each driving violation affects average insurance rates with full coverage.
Auto Insurance Prices in Jacksonville: Speeding
According to our data, State Farm and Travelers, on average, offer the cheapest fares for Jacksonville drivers with a recent speeding violation. State Farm averages $164 per month or $1,962 per yearwhile Travelers charges an average of $204 per month or $2,451 per year.
Auto Insurance Prices in Jacksonville: Wrong Accident
In Jacksonville, a faulty accident on your record can cause your auto insurance rates to skyrocket. Based on our research, State Farm and Geico offer low cost auto insurance for Jacksonville drivers with an accident record. State Farm’s average rates are $175 per month or $2,098 per year. Geico charges an average of $175 per month or $2,103 per year.
Auto Insurance Prices in Jacksonville: DUI
Jacksonville auto insurance for motorists with a recent DUI is not as expensive as coverage in other Florida cities, such as Tampa or Miami. State Farm and Geico offer the cheapest average rates for Jacksonville motorists with a DUI, with State Farm up $164 per month or $1,962 per year and Geico on $217 per month or $2,602 per year.
Average cost of car insurance in Jacksonville
Based on our data, the average cost of full coverage auto insurance is in Jacksonville $214 per month or $2,562 per year. The national average is $144 per month or $1,730 per year, which makes Jacksonville car insurance approximately 48% more expensive. These averages are based on a married 35-year-old driver with good credit and a clean driving record.
Auto Insurance Prices in Jacksonville: What Affects Them?
Auto insurance agents look at several factors when calculating car insurance quotes. Some of these factors, such as your credit score and location, are within your control, while others are not. Understanding what factors you can change will help you get the best car insurance rates.
These are some of the factors that affect car insurance rates:
- Driving record
- Credit history
- Marital status
- Coverage options selected
Cheap car insurance in Jacksonville: conclusion
Florida auto insurance is one of the most expensive in the country on average, and Jacksonville is no exception. While insurance in the city is about 48% more than the national average, drivers can typically find affordable auto insurance at Geico, State Farm, Travelers, Farmers, and Mercury.
Cheapest car insurance in Jacksonville: frequently asked questions
Listed below are frequently asked questions about auto insurance in Jacksonville: