best car insurance Jacksonville
2022
The Cheapest and Best Car Insurance in Jacksonville
The Cheapest Car Insurance Companies in Jacksonville
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 low-cost option for cable car policy. 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 policy. Comprehensive and collision policy are included in full coverage policies. however, the cost varies depending on the indebtedness limits you choose .
Cheapest Car Insurance in Jacksonville
Full Coverage 100/300/100
- company 100/300/100
per year
- 1 .USAA
$770
- 2 .GEICO
$1,115
- 3 .State Farm
$1,440
- 4 .Travelers
$1,578
- 5 .MetLife
$1,779
- 6. Allied
$1,832
- 7 .Allstate
$1,907
- 8 .Mercury
$2,005
- 9 .Progressive
$2,253
MoneyGeek ‘s psychoanalysis based its findings on rates for a 40-year-old male driver with a fully coverage policy as described in our methodology. A comprehensive and collision coverage will cost more than a policy with lone liability coverage. Full coverage cable car policy, on the other hand, provides extra security in the consequence of an accident by helping to cover the costs of cable car damage. This is significant since it guards you against the gamey 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 policy may cost you more than the car is worth. This is when liability alone indemnity or even state-minimum coverage may be your best bet for getting the lowest prices potential .
Compare Car Insurance Rates in Jacksonville
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Cheapest Car Insurance in Jacksonville for Minimum Coverage
In Jacksonville, policies with minimal coverage are the most cost-efficient choice. State minimal indemnity policies have the follow insurers as the most low-cost options :
- GEICO: $475 per year
- State Farm: $738 per year
former and award Jacksonville military personnel and their families will find USAA car policy an low-cost alternative with an annual rate of $ 338. GEICO ‘s policy has a annual agio that is less than Progressive ‘s at $ 1,312. You ‘ll save money by opting for minimal coverage policies, but you ‘ll be at risk of not being amply covered if you do n’t have collision and comprehensive policy. See how rates change when liability limitations increase using the table below .
Cheapest Minimum Liability Car Insurance in Jacksonville
state Minimum
- company State Minimum
per year
- 1 .USAA
$338
- 2 .GEICO
$475
- 3 .State Farm
$738
- 4 .Travelers
$752
- 5. Allied
$827
- 6 .Allstate
$846
- 7 .Mercury
$977
- 8 .MetLife
$1,026
- 9 .Progressive
$1,312
In Florida, drivers are required to have state minimum liability-only car insurance with $ 10,000 in personal injury protection and $ 10,000 in property damage liability coverage. This is the cheapest car policy option in Jacksonville, but the tradeoff for moo premiums is that you may have to pay well more out of scoop after an accident. For case, if you ‘re in an accident and the other driver ’ south total medical bills reach $ 15,000, you would be covered for $ 10,000 and have to pay the remaining $ 5,000 yourself .
Florida Minimum Liability Requirements
- item description
- property damage $ 10,000 for property damage. A more protective level is 100/300/100 .
- personal Injury Protection $ 10,000 per person .
Cheapest Car Insurance in Jacksonville if You Have Driving Violations
A traffic trespass, such as a accelerate ticket or a DUI, can considerably impact the price of car policy in Jacksonville. On average, the following are the most low-cost insurance providers based on your particular trespass :
- 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 policy plans to see which companies offer the most low-cost rates .
Cheapest Car Insurance in Jacksonville With a Violation
Speeding tag
- company Speeding Ticket
per year
- 1 .USAA
$849
- 2 .State Farm
$1,547
- 3 .Allstate
$1,907
- 4 .GEICO
$1,938
- 5 .MetLife
$2,121
- 6 .Travelers
$2,194
- 7. Allied
$2,354
- 8 .Mercury
$3,006
- 9 .Progressive
$3,237
Average Cost of Car Insurance in Jacksonville
Jacksonville
$1,739
Florida
$2,208
U.S.
$1,424
The average car insurance rate in Jacksonville is $ 1,739 per class, which is lower than the average express premium but higher than the national modal. In comparison, the city ‘s premium is about 21.3 % lower than the $ 2,208 Florida average annual bounty. however, drivers in Jacksonville pay approximately 22.1 % more than the $ 1,424 average annual cost of cable car insurance in the United States.
Personalized Quotes to Get You the Cheapest Car Insurance in Jacksonville
indemnity providers determine car insurance quotes in Jacksonville using diverse factors, including senesce, gender, credit score, make and model of the vehicle, driving history and ZIP code, among others. For exemplify, an 18-year-old male can get a GEICO policy for an average of $ 2,938 per year. however, the party will give a cheaper average annual rate of $ 1,115 for a 40-year-old male. It is crucial to note that any changes in your circumstances will besides affect your cable car indemnity annual premium. so, it is best to get individualized quotes regularly .
Compare Car Insurance Rates in Jacksonville
see you ‘re getting the best rate for your cable car insurance. Compare quotes from the top insurance companies. widget-location-pin
The Best Car Insurance Companies in Jacksonville
MoneyGeek ranked car indemnity companies in Jacksonville to find the best carriers that offer quality service and policies at a carnival 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 seduce in Jacksonville. however, USAA is entirely available for military personnel, veterans and their families. MoneyGeek ‘s rate system factors in J.D. Power ’ s drug user satisfaction, price and fiscal stability scores to arrive at the final rankings .
1
USAA
grudge :
100
5/5 Affordability 5/5 Claims Ratings 5/5 User Satisfaction A++ fiscal constancy 2
Esurance
score :
95
5/5 Affordability 4/5 Claims Ratings 5/5 User Satisfaction A+ fiscal stability 3
GEICO
grade :
85
3/5 Affordability 3/5 Claims Ratings 3/5 User Satisfaction A++ fiscal stability 4
Travelers
score :
85
3/5 Affordability 4/5 Claims Ratings 2/5 User Satisfaction A++ fiscal stability 5
MetLife
mark :
82.5
3/5 Affordability 4/5 Claims Ratings 2/5 User Satisfaction A+ fiscal constancy 6
Hartford
score :
82.5
2/5 Affordability 5/5 Claims Ratings 2/5 User Satisfaction A+ fiscal constancy 7
Liberty Mutual
score :
80
3/5 Affordability 3/5 Claims Ratings 3/5 User Satisfaction A fiscal constancy 8
Auto-Owners Insurance Co
score :
80
3/5 Affordability 2/5 Claims Ratings 2/5 User Satisfaction A++ fiscal stability 9
State Farm
score :
77.5
3/5 Affordability 3/5 Claims Ratings 3/5 User Satisfaction A- fiscal stability 10
Nationwide
score :
77.5
3/5 Affordability 2/5 Claims Ratings 2/5 User Satisfaction A+ fiscal constancy 11
Progressive
mark :
75
2/5 Affordability 2/5 Claims Ratings 2/5 User Satisfaction A+ fiscal constancy 12
Safeco
score :
75
2/5 Affordability 3/5 Claims Ratings 2/5 User Satisfaction A fiscal stability
Average Cost of Car Insurance by Postal Code
Where you reside plays a big role in how much your car indemnity will cost. For example, average car indemnity rates in Jacksonville based on ZIP code roll from $ 1,616 to $ 1,859 per annum. Drivers living in the 32256 ZIP code have the most low-cost average annual bounty, which is $ 242 lower than the most expensive neighborhood in terms of car coverage — 32218 .
- Zip Code State Minimum
per year
- 32256
$1,616
- 32246
$1,644
- 32225
$1,649
- 32257
$1,744
- 32210
$1,815
- 32244
$1,844
- 32218
$1,859
Factors That Impact Insurance Costs in Jacksonville
In addition to individual driver needs and history, location-specific factors like personal injury protection coverage requirements and the share of uninsured motorists besides contribute to car indemnity rates in Jacksonville. How Jacksonville ranks compared to the 300 most populous cities in the United States can have a meaning impact on bounty costs .
Most Accidents With Fatalities
33rd
/ 300
Most car Thefts
93rd
/ 300
Most uninsured Motorists by State
1st
/ 50
personal Injury Protection Required Yes
Most annual rain
34th
/ 300
Most showery Days
102nd
/ 300
Methodology and Assumptions
MoneyGeek ’ second average premium rates for Jacksonville are based on 100/300/100 comprehensive examination collision coverage with a $ 1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their phonograph record. Additional premiums are added based on coverage type, placement and drive record. Learn more about MoneyGeek ’ s data and methodology here. About the writer
Mark Fitzpatrick is a elder content director with MoneyGeek specializing in insurance. Mark has years of experience analyzing the indemnity commercialize and creating original research and message. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a passkey of Arts .
