Cheapest car insurance companies in Jacksonville
A recent data analysis by Insurance.com found the cheapest car insurance companies are Travelers and Nationwide in Jacksonville for 2023.
In Jacksonville, Travelers provides the cheapest auto insurance rates to drivers at an average annual premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods. of $1,472 annually.
Car insurance prices in Jacksonville can differ based on where you live, your driving history, coverage limit, and your insurance provider. To find the best deal on auto insurance, it's wise to compare quotes from various companies. Below are the companies that offer cheap car insurance to Jacksonville drivers.
| Companies | Average annual rates |
|---|---|
| USAA | $1,050 |
| Travelers | $1,472 |
| Nationwide | $1,503 |
| Shelter Insurance | $1,623 |
| Geico | $1,736 |
| State Farm | $2,042 |
| Southern Farm Bureau | $2,171 |
| Farmers | $2,256 |
| Progressive | $2,305 |
| Allstate | $2,743 |
Cheapest car insurance cost in Jacksonville by Age Group
USAA offers the cheapest full coverage car insurance for teenage drivers in Jacksonville, with an average annual cost of $3,580 per year. Insurance companies deem teenagers as "high-risk" drivers due to their inexperience and statistically higher accident rates. This elevated risk profile translates to significantly higher car insurance costs for young drivers compared to their older counterparts.
However, teen drivers can keep their insurance rates low by taking advantage of the good student discount or by staying on their parent's car insurance policy for as long as possible.
USAA is the cheapest car insurance company for young adults. It offers full coverage auto insurance for young drivers in Jacksonville at about $1,502 per year.
An analysis of car insurance rates for Jacksonville drivers reveal a significant decrease in premiums for individuals in their 30s compared to those in their 20s. USAA offers the cheapest full-coverage car insurance rates at $1,055 per year.
USAA is the cheapest option for senior drivers in Jacksonville, with an average premium of $1,081 a year, significantly lower than most competitors, based on Insurance.com's in-depth data analysis.
| Company | Teens | Young Adults | Adults | Seniors |
|---|---|---|---|---|
| USAA | $3,580 | $1,502 | $1,055 | $1,081 |
| Travelers | $4,028 | $2,255 | $1,498 | $1,490 |
| Southern Farm Bureau | $4,450 | $3,193 | $2,180 | $1,995 |
| Shelter Insurance | $5,031 | $3,016 | $1,688 | $1,515 |
| Nationwide | $5,383 | $2,625 | $1,477 | $1,440 |
| Geico | $6,121 | $2,740 | $1,706 | $1,617 |
| State Farm | $6,161 | $3,499 | $2,059 | $1,990 |
| Alfa Corporation | $7,113 | $4,744 | $3,113 | $3,273 |
| Farmers | $10,273 | $2,978 | $2,151 | $2,264 |
| Progressive | $10,494 | $3,700 | $2,325 | $2,248 |
| Allstate | $12,553 | $4,494 | $2,717 | $2,815 |
Cheapest car insurance companies in Jacksonville by driver profile
Insurers in Jacksonville consider various factors, including driver profile, to calculate car insurance premiums. You can expect to pay significantly higher rates if you have a history of accidents or traffic citations on your driving record. On the other hand, those with a clean driving record enjoy more affordable coverage.
Finding the cheapest car insurance in Jacksonville requires comparing quotes from multiple companies. This way, you can get the best coverage for your budget. Don't settle for the first offer; explore options for the most affordable fit.
In Jacksonville, these insurance companies offer cheap car insurance rates based on your driver profile.
- Cheapest for a driver with poor credit: Geico
- Cheapest for a driver with a speeding ticket: USAA
- Cheapest for accident: State Farm
- Cheapest for DUI: Geico
Cheapest for a driver with poor credit: Geico
Geico has the cheapest rates for Jacksonville drivers with poor credit looking for affordable auto insurance. At an annual cost of $1,685, Geico offers substantial savings among the insurers analyzed.
The table below shows the list of car insurance companies that offer affordable car insurance for drivers with poor or bad credit scores.
| Company | Average annual rates |
|---|---|
| Geico | $1,685 |
| USAA | $1,934 |
| Nationwide | $2,042 |
| Farmers | $2,356 |
| Travelers | $2,393 |
| Progressive | $2,851 |
| Allstate | $3,524 |
| State Farm | $6,862 |
Cheapest for drivers with a speeding ticket: USAA
Based on recent data analysis, 30-year-old drivers in Jacksonville with speeding tickets on their driving record can get the cheapest car insurance rates from USAA at an annual cost of $1,301.
Some companies are known for providing the cheapest car insurance rates, but finding the most affordable policy depends highly on individual factors.
Comparing quotes from various car insurance companies can prove beneficial for getting the best deal. With this, you can get the coverage you need at an affordable price.
| Company | Average annual premium |
|---|---|
| USAA | $1,301 |
| State Farm | $1,429 |
| Geico | $1,483 |
| Farmers | $2,061 |
| Travelers | $2,092 |
| Nationwide | $2,107 |
| Progressive | $2,354 |
| Allstate | $2,707 |
Cheapest auto insurance after an at-fault accident: State Farm
If you've had an accident, State Farm might be your best bet for affordable auto insurance.
For Jacksonville drivers with an at-fault accident, State Farm offers the cheapest average annual rate at $1,541. It's a great option if you're looking for affordable coverage that won't break the bank.
After an accident, your insurance rates are likely to go up. Finding a provider with competitive rates can help you minimize the financial impact.
| Company | Average annual rates |
|---|---|
| State Farm | $1,541 |
| USAA | $1,793 |
| Travelers | $2,029 |
| Geico | $2,180 |
| Farmers | $2,350 |
| Nationwide | $2,461 |
| Progressive | $3,262 |
| Allstate | $3,656 |
Cheapest auto insurance after a DUI: Geico
Among the carriers analyzed, Geico offers the cheapest auto insurance premiums for drivers with a DUI in Jacksonville. On average, its annual full coverage rate is $1,349, making it a significantly cheaper option than other insurance providers.
A DUI conviction can significantly affect your auto insurance rates. However, to keep your coverage rates low, it is important to compare quotes from various insurers before renewing or purchasing a new policy. Doing so ensures you get the most competitive rate for your situation.
| Company | Average annual rates |
|---|---|
| Geico | $1,349 |
| State Farm | $1,429 |
| USAA | $2,107 |
| Progressive | $2,454 |
| Farmers | $2,469 |
| Travelers | $2,517 |
| Allstate | $3,649 |
| Nationwide | $5,221 |
Average car insurance cost in Jacksonville
The average car insurance rate in Jacksonville for full coverage is $1,890 per year or $158 a month. These rates are for coverage levels of 100/300/100. Whereas the average rate for state minimum coverage in Jacksonville is $480 per year.
Full coverage car insurance may cost more than the state minimum, but it offers valuable protection beyond just covering damage to other drivers' vehicles. Unlike state minimum, full coverage includes damage to your vehicle in addition to liability coverage.
You can potentially lower your full coverage premium by comparing quotes from different carriers. It allows you to find the best coverage at a competitive price.
| Average annual Rates | State minimum average |
|---|---|
| $1,890 | $480 |
Methodology
Insurance.com commissioned 2023 data for the cheapest car insurance rates in cities from Quadrant Data Services for all 50 states and Washington D.C. Rates are based on the following profile:
- 40-year-old male driver
- Honda Accord LX
- 12-mile daily commute, 10,000 annual miles
- Good credit
- Clean record
While the rates for drivers with poor credit, speeding tickets, DUI and at-fault accidents were sourced from the Auto Problems Report 2023.
Rates are based on coverage limits of:
- $100,000 bodily injury per person
- $300,000 bodily injury per accident
- $100,000 property damage per accident
- $500 comprehensive and collision deductible
Insurance.com analyzed rates from over 34,000 ZIP codes, 56 million quotes, and 136 companies. Based on the analysis, we have created lists of the cheapest companies for different driver profiles. USAA also made it to the list, but it offers services only to current and former military members and their families. Rates sourced from Quadrant Data Services for comparison purposes only; your rates may differ.
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