Buy Cheap Jacksonville, FL Auto Insurance

Jacksonville, FL auto insurance is very expensive, but State Farms offers the cheapest rates. Although drivers in Jacksonville, Florida don’t have to carry bodily injury auto insurance, they do have to carry $10,000 in personal injury protection and $10,000 in property damage liability coverage. Compare online auto insurance quotes to find the best Jacksonville, FL car insurance for you.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 15, 2021

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A Concise Overview

  • Jacksonville, FL auto insurance costs fall above the state average
  • State Farm offers the cheapest average auto insurance in Jacksonville
  • Florida drivers have to carry personal injury protection and property damage liability coverage but no bodily injury coverage

Jacksonville, FL auto insurance is expensive, mainly because Florida auto insurance is very high to start with. Adding in large amounts of traffic causes Jacksonville’s auto insurance rates to be above the state average.

Before you buy Jacksonville, FL auto insurance, shop around to find the most coverage at the best price.

Enter your ZIP code now to compare Jacksonville, FL auto insurance rates.

What is the cheapest auto insurance company in Jacksonville, FL?

State Farm is the cheapest Jacksonville, FL auto insurance company that offers coverage to everyone. USAA is actually cheaper but only offers auto insurance to the military, veterans, and their families.

These are the top-rated auto insurance companies in Jacksonville, FL ranked from least to most expensive for annual coverage:

  • USAA – $2,799.05
  • State Farm – $3,454.90
  • GEICO – $3,498.00
  • Nationwide – $4,103.45
  • Liberty Mutual – $4,898.25
  • Progressive – $5,518.88
  • Allstate – $7,061.85

Many different factors will be used to determine who has the best auto insurance for you. Factors that affect your auto insurance rates are age, gender, marital status, ZIP code, driving record, and credit history.

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What auto insurance coverage is required in Jacksonville, FL?

Like most states, Florida requires that drivers carry at least a minimum amount of auto insurance.

The minimum amount of auto insurance required in Jacksonville, Florida is:

  • $10,000 in personal injury protection (PIP) coverage
  • $10,000 for property damage liability (PDL)

What’s unusual is that Florida doesn’t require you to carry bodily injury coverage. Florida is a no-fault insurance state, meaning that if you are in an accident, your auto insurance pays for damages and injuries, regardless of who is at fault.

If you do decide to carry bodily injury, you must carry $10,000 for one person and $20,000 for two or more people.

What affects auto insurance rates in Jacksonville, FL?

Jacksonville is a large city with lots of drivers on the roads. The increased traffic can mean a higher risk of getting in an accident.

INRIX ranks Jacksonville, FL as the 40th most congested city in the country, and drivers spent an average of 32 hours sitting in traffic in 2019.

Also, City-Data reports the average commute time for Jacksonville drivers is 35 minutes.

Theft can also be a factor that drives up auto insurance rates. The FBI reported that 2,925 vehicles were stolen in Jacksonville, FL. That’s about one car stolen for every 305 people.

Jacksonville, FL Auto Insurance: The Bottom Line

Florida has very expensive auto insurance rates, and Jacksonville falls above the state average. However, there are ways to find affordable Jacksonville, FL auto insurance coverage.

Shop around to find the best rates out there. Enter your ZIP code now to compare Jacksonville, FL auto insurance quotes.

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