Auto insurance in Jacksonville averages about $201/month. Compare free quotes from top insurers serving Duval County and Northeast Florida โ no personal info required to browse, and checking your rate never affects your credit.
The average cost of car insurance in Jacksonville is about $201/month, landing close to the Florida statewide average. Jacksonville premiums are elevated by Florida's no-fault system, one of the nation's highest uninsured-driver rates (over 20%), hurricane and flood comprehensive claims, and heavy litigation costs that drive up statewide rates. The city stays near โ rather than above โ the state average because its sprawling, suburban footprint and lower density partly offset the coastal and litigation pressures that push Miami and Tampa higher.
| Insurer | Avg. Monthly Rate | Best For | AM Best Rating | Available |
|---|---|---|---|---|
| ๐ GEICO Lowest Open Rate | ~$182/mo | Budget drivers | A++ | โ Yes |
| State Farm | ~$198/mo | Good drivers | A++ | โ Yes |
| โญ Progressive High-Risk Drivers | ~$207/mo | SR-22 / tickets | A+ | โ Yes |
| Allstate | ~$224/mo | Full coverage | A+ | โ Yes |
| USAA Military Only | ~$176/mo | Military families | A++ | โ Yes |
| Travelers | ~$190/mo | Multi-policy | A++ | โ Yes |
Estimates are monthly averages for Jacksonville drivers with a clean record. USAA is available only to active military, veterans, and their families. Your rate varies by ZIP code, vehicle, and driving history.
Jacksonville premiums are elevated by Florida's no-fault system, one of the nation's highest uninsured-driver rates (over 20%), hurricane and flood comprehensive claims, and heavy litigation costs that drive up statewide rates. Carriers price in extra uninsured-motorist risk, and comprehensive losses spike when storms move up the St. Johns River and the Atlantic coast. Jacksonville's large geographic spread and suburban commuting patterns keep it near the Florida average rather than at the higher levels seen in denser coastal metros.
Jacksonville drivers should strongly consider adding Bodily Injury Liability above the state minimum โ the $10k PIP-only minimum leaves you badly exposed if you cause a serious crash. Bundling auto with home or renters insurance, and applying wind-mitigation credits on your comprehensive coverage, can offset hurricane-season costs. Maintaining a clean record, raising your deductible, and comparing several quotes each year are the fastest ways to lower your monthly premium.
We analyze rates, coverage, and availability specifically for Jacksonville and Duval County residents. Comparisons are updated monthly.
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The average cost of auto insurance in Jacksonville is about $201/month, or roughly $2,412 per year. Your exact rate depends on your driving record, vehicle, ZIP code, and coverage level. Jacksonville sits near the Florida statewide average because its suburban sprawl offsets the higher litigation and hurricane costs that push coastal cities higher.
Jacksonville follows Florida law, which requires $10,000 in Personal Injury Protection (PIP) and $10,000 in Property Damage Liability (PDL). Florida does NOT require bodily injury liability. Because Florida is a no-fault state, your PIP pays for your own injuries first regardless of who caused the crash. Coverage is regulated by the Florida Office of Insurance Regulation (OIR).
USAA typically offers the lowest rates in Jacksonville at around $176/month, but it is available only to military members, veterans, and their families. Among carriers open to everyone, GEICO is usually cheapest at about $182/month, followed by Travelers near $190/month. Always compare several quotes, since the cheapest insurer changes with your ZIP code and driving history.
Jacksonville premiums are shaped by Florida's no-fault system, one of the nation's highest uninsured-driver rates (over 20%), hurricane and flood comprehensive claims along the St. Johns River and Atlantic coast, and heavy litigation costs that drive up statewide rates. Jacksonville's large geographic footprint and suburban driving patterns keep it near the state average rather than at the higher levels seen in Miami or Tampa.