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Nick Dauk is a content writer specializing in business, entrepreneurship, personal finance, and travel who's been writing for Compare.com since 2023. His work has been featured in The New York Post, BBC, Business Insider, Fox Business, and Bisnow.
Nick’s global adventures have also been featured on Inside Hook, Houston Chronicle, Chicago Magazine, and The Telegraph.
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Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
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Home to 22 miles of beaches and the largest urban park system in the country, Jacksonville, Florida, offers plenty of reasons to explore by car. The city’s large population and higher motor vehicle theft rates compared to other Florida cities are likely contributors to its higher auto insurance rates.
While Jacksonville’s average premiums of $266 per month are higher than the national average, its rates are still lower than some other Florida cities. Jacksonville drivers can find more affordable rates when they shop around for the best company.
In this guide, we’ll explore the cheapest car insurance options for drivers in Jacksonville.
Dairyland and Acceptance are the cheapest companies for Jacksonville drivers, at $187 and $199 per month, respectively.
Dairyland offers the cheapest liability insurance in Jacksonville, at $124 per month.
Mile Auto’s full-coverage monthly average of $229 is the cheapest in Jacksonville.
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Average rates for the cheapest car insurance in Jacksonville range between $187 and $207 per month, but you can typically find more ways to save through discounts, programs, and other incentives.
The companies in the table below have the most competitive average rates in Jacksonville, according to Compare.com data.
Company | Monthly Premium |
|---|---|
| Dairyland | $187 |
| Acceptance | $199 |
| The General | $202 |
| Mercury | $206 |
| Hugo | $207 |
Dairyland is the cheapest insurer in Jacksonville, with an average monthly premium of just $187. But Dairyland might not be the cheapest for everyone. Other Jacksonville insurers may offer you lower rates based on your unique driver profile.
Let’s compare rates from these companies and how they change based on driver age, coverage levels, and driving record.
How we chose the cheapest companies in Jacksonville
Our team analyzed thousands of rates from dozens of the top insurance companies in Jacksonville. Using that data, we listed the five cheapest options for Jacksonville drivers based on several key factors, such as age, coverage level, driving history, and more. All rates listed are based on someone who drives a 2016 Honda Accord and has the minimum limits for coverage in Jacksonville. The listed “full-coverage” rates include $500 deductibles for collision and comprehensive coverages in addition to state-minimum liability coverage.
Car insurance rates fluctuate from person to person, so there’s no single best company for everyone. If you shop around annually, you might be able to find an even more affordable policy that fits your needs and budget — even if you think you already have the best policy today.
Let’s look at the best auto insurers in Jacksonville for different drivers and coverage needs.
Though The General brand is only 26 years old, the company’s history dates back to 1963. The company is owned by PGC Holdings, a subsidiary of American Family Insurance.
The General specializes in high-risk drivers — and, while that includes teens, it also incorporates people with less-than-perfect driving histories and credit.
The General offers the best average rates for Jacksonville teens, at $251 per month. To get more savings, parents should consider adding their teen to their policy and asking about academic discounts.
Good selection of available discounts
Cheapest insurer if you have a speeding ticket
Can file an SR-22 form in most states
Not the cheapest as teens age
Not as many coverage options as competitors
Above-average customer NAIC complaints
Acceptance Insurance is a good option for high-risk drivers, such as seniors older than 65.
At $140 per month, Acceptance offers the lowest average rates for senior drivers in Jacksonville. The customer satisfaction reviews are limited (and mixed): The company received a high score on Trustpilot but a 1.28 out of 5 customer rating on Better Business Bureau (BBB).
Seniors who need homeowners, life insurance, hospital indemnity, or TeleMed services may want to consider policies with Acceptance.
Cheapest rates for at-fault accidents
Optional roadside assistance coverage available
Four physical offices in Jacksonville
Limited optional car insurance coverage
Not the cheapest for speeding tickets
No app available
Hugo’s average monthly rate is $207 in Jacksonville, but its unique payment plans make it a good option for people who need flexible coverage. The insurer is currently only available in 13 states, including Florida.
With Hugo, drivers can qualify for liability or full-coverage plans, which they can purchase on a per-day, per-week, or per-month basis. This means Jacksonville drivers will only pay for the days they need to use their vehicle.
Can turn coverage on and off as needed
Account overdraft protection available
Doesn’t require driver-monitoring tech
No physical offices
Only liability and full coverage offered
Flex plan not available in Florida
Coverage level affects rates, which is why liability-only insurance — the lowest amount of insurance you can purchase — tends to be the cheapest car insurance policy available.
Whether you purchase coverage through an insurer’s website, an insurance comparison site, or directly through your local insurance agent, all companies provide liability insurance that covers your state’s minimum requirements.
The five companies in the table below offer the cheapest liability insurance rates in Jacksonville.
Company | Monthly Premium |
|---|---|
| Dairyland | $124 |
| Acceptance | $135 |
| Mercury | $148 |
| Answer Financial | $174 |
| The General | $176 |
Dairyland has the cheapest liability-only rates in Jacksonville, at $124 per month, followed by Acceptance, at $135. The General’s rates are around $50 more per month.
Keep in mind that these rates might be the lowest, but liability insurance won’t pay for damages to your vehicle if you get into an accident.
Now, let’s see how rates change if you get a full-coverage policy.
Full-coverage car insurance expands upon liability coverage to pay for damages and injuries you get in an accident. Although there’s no set definition for full-coverage insurance, many insurers package it as liability, comprehensive, and collision insurance. Some also include uninsured/underinsured motorist coverage, too.
You’ll pay more for full-coverage, but you’ll also have greater protection if you file an auto claim.
Here are the most affordable insurers for full coverage in Jacksonville.
Company | Monthly Premium |
|---|---|
| Mile Auto | $229 |
| Mercury | $244 |
| Dairyland | $278 |
| Acceptance | $282 |
| Liberty Mutual | $296 |
Mile Auto is the cheapest insurance for full coverage in Jacksonville, with an average rate $70 cheaper than the fifth company on the list, Liberty Mutual. These rates may differ because each full-coverage policy may include different insurance products.
Companies like Acceptance and Dairyland may be closer in price because they may weigh factors for comprehensive insurance claims like theft and crime rates similarly.
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In addition to your ZIP code and the type of vehicle you drive, age is one of the most important factors that affect your car insurance costs.
For instance, although teens are most likely to be involved in a car accident, crash rates for drivers in their 70s drop below those of middle-aged drivers, according to the Insurance Institute for Highway Safety (IIHS).
The table below shows how average car insurance rates change by age and the cheapest insurers for specific age groups, according to Compare.com data.
Age Group | Cheapest Company | Average Rate |
|---|---|---|
| Teens | The General | $251 |
| 20s | Dairyland | $210 |
| 30s | Dairyland | $186 |
| 40s | Acceptance | $180 |
| 50s | Dairyland | $156 |
| 60+ | Acceptance | $140 |
Auto insurance rates are more expensive for teens and drivers in their 20s. Drivers tend to get lower rates as they reach middle age, and rates start decreasing again at age 50. By 60 years old, drivers’ average rates are around $110 per month cheaper compared to teens.
Let’s see which Jacksonville insurers are the best car insurance companies for teens and seniors.
Because all licensed drivers in your household must be listed on your policy, finding the cheapest rates for teens should be a priority. Teenagers have a crash rate four times higher than drivers age 20 and older, according to the IIHS, which leads to more expensive car insurance rates.
The General has the cheapest auto insurance for Jacksonville teens, at $251 per month. It specializes in these types of “high-risk” drivers, so parents should ask about good student discounts and other ways The General can lower the cost of car insurance for young adults.
Drivers approaching retirement age tend to have some of the most affordable car insurance rates of any age group. Senior drivers have more experience behind the wheel but drive less often, meaning they’re less likely to be involved in car accidents.
Seniors in Jacksonville can find the cheapest car insurance with Acceptance, at $140 per month, on average. The insurer understands the needs of mature drivers and is willing to help elderly drivers find the affordable coverage, premiums, and deductibles they need for their lifestyle and budget.
Driving history is another important insurers look at when setting auto insurance rates. Here are the three insurance companies offering the cheapest rates in Jacksonville for drivers with clean records, an at-fault accident, and a speeding ticket.
Driving Record | Cheapest Company | Average Rate |
|---|---|---|
| Clean record | Dairyland | $186 |
| Speeding ticket | The General | $222 |
| At-fault accident | Acceptance | $251 |
The General and Acceptance are the more affordable choices if you have a speeding ticket or an at-fault accident on your record, according to Compare.com data.
Although speeding doesn’t always cause an accident, it’s one of the major factors influencing accident rates. That’s one reason why the 20 Is Plenty initiative is trying to lower speed limits in some Jacksonville neighborhoods.
Let’s look at the best car insurance companies for Jacksonville drivers with clean records, tickets, and accident history.
Good drivers get the most affordable car insurance rates. Most insurers consider drivers without an accident, ticket, or DUI on their driving record as less risky, leading to lower rates.
Remember that tickets and accidents can stay on your record for a long time, so even one bad driving day can still have a significant effect on your insurance premiums for years to come.
Dairyland has the best rate for good drivers in Jacksonville, at $186 per month. Jacksonville drivers can save more money with the insurer if they complete a defensive driving course.
Getting a ticket for things like running a red light or speeding can raise your auto insurance premiums. Average car insurance rates can increase by 37% after a single ticket, according to Compare.com.
Insurance companies view traffic tickets as a sign of irresponsible driving, and companies view this as a higher likelihood of getting into an accident and submitting an insurance claim.
The General has the cheapest car insurance rates — $222 per month — for drivers in Jacksonville with tickets on their driving record. Consider getting a quote from The General because it’s more willing to work with drivers who have a history of driving violations.
An at-fault accident will almost always make your rates go up — and premiums typically increase by roughly 44% after a single at-fault accident, according to Compare.com data.
Acceptance is the cheapest company for drivers in Jacksonville with a recent accident. The company’s average monthly rate is $251 for these drivers. Low rates and its willingness to work with non-standard and high-risk drivers make it one of the best companies in Jacksonville for those with a history of at-fault accidents.
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The average rate for car insurance coverage in Jacksonville is $266 per month, but your unique auto policy rate might be different since it’s based on factors like your coverage needs, credit history, driving record, and other personal information.
Let’s see how the car insurance rates in Jacksonville compare to neighboring cities like St. Augustine, other Florida cities, and the nationwide average.
The table below shows how auto insurance rates in Jacksonville compare to other cities in Florida and nationally.
State | Average Rates |
|---|---|
| Jacksonville | $266 |
| Daytona Beach | $255 |
| Gainesville | $244 |
| St. Augustine | $203 |
| Statewide average | $272 |
| National average | $149 |
Jacksonville’s average rates are a little lower than the rest of Florida but higher than the other three cities on the list. Notably, its average rate is 43% higher than the national average, mostly because Florida has a higher number of uninsured drivers than most states.
The rest of Florida has higher rates on average, which makes sense considering cities like Orlando have more tourism traffic and areas like Miami-Dade County have a higher population than Jacksonville’s Duval County.
All Florida drivers need to meet a minimum level of insurance coverage to legally drive in the state. But Florida doesn’t require as much coverage as some other states, which may lead to cheaper rates on average.
The state of Florida requires drivers to have personal injury protection (PIP) insurance of $10,000. PIP covers the medical expenses for any injuries you get in a car accident, no matter who’s at fault.
Florida drivers must also have property damage liability insurance (PDL) of $10,000. PDL pays for property damage you or someone driving your car causes when at fault in an accident, but it doesn’t cover damages to your own vehicle.
Learn more about getting the best auto insurance rates in Jacksonville with help from these frequently asked questions.
Dairyland is one of the cheapest auto insurance companies in Jacksonville, with overall averages at $187 per month and the lowest rates on average for liability-only insurance, at $124 per month.
The average cost of car insurance in Jacksonville, Florida, is $266 per month. That’s higher than both the national average and nearby cities.
Car insurance may be more expensive in Jacksonville because it’s the largest city by population in North Florida and has the highest number of reported motor vehicle thefts in the state.
Drivers in Jacksonville, as well as all other Florida cities, must maintain $10,000 of personal injury protection insurance and $10,000 of property damage liability insurance.
It’s illegal to drive without insurance in Florida. Jacksonville drivers who don’t meet and maintain the state’s minimum insurance coverage requirements face driver’s license and registration suspension.
Sources
Trustpilot, “Acceptance Insurance reviews,” Accessed Oct 25, 2023.
IIHS, “Crash rates for drivers in their 70s…,” Accessed Oct 25, 2023.
IIHS, “HLDI Bulletin…,” Accessed Oct 25, 2023.
Census, “Duval County FL Population,” Accessed Oct 25, 2023.
Census, “Miami-Dade County FL Population,” Accessed Oct 25, 2023.
WUSF, “Soaring car insurance premiums leave Florida drivers searching for relief,” Accessed Oct 25, 2023.
FLHSMV, “Florida Auto Insurance Requirements,” Accessed Oct 25, 2023.
Census, “Jacksonville FL Population,” Accessed Oct 25, 2023.
Census, “Tallahassee FL Population,” Accessed Oct 25, 2023.
FBI, “UCR Florida 2019,” Accessed Oct 25, 2023.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
Learn more about us, our team, and what makes us tick.
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Nick Dauk is a content writer specializing in business, entrepreneurship, personal finance, and travel who's been writing for Compare.com since 2023. His work has been featured in The New York Post, BBC, Business Insider, Fox Business, and Bisnow.
Nick’s global adventures have also been featured on Inside Hook, Houston Chronicle, Chicago Magazine, and The Telegraph.
Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
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