Best Cheap Car Insurance in Jacksonville for 2022 Bankrate Caret RightMain Menu Mortgage Mortgages Financing a home purchase Refinancing your existing loan Finding the right lender Additional Resources Elevate your Bankrate experience Get insider access to our best financial tools and content Caret RightMain Menu Bank Banking Compare Accounts Use calculators Get advice Bank reviews Elevate your Bankrate experience Get insider access to our best financial tools and content Caret RightMain Menu Credit Card Credit cards Compare by category Compare by credit needed Compare by issuer Get advice Looking for the perfect credit card? Narrow your search with CardMatch Caret RightMain Menu Loan Loans Personal Loans Student Loans Auto Loans Loan calculators Elevate your Bankrate experience Get insider access to our best financial tools and content Caret RightMain Menu Invest Investing Best of Brokerages and robo-advisors Learn the basics Additional resources Elevate your Bankrate experience Get insider access to our best financial tools and content Caret RightMain Menu Home Equity Home equity Get the best rates Lender reviews Use calculators Knowledge base Elevate your Bankrate experience Get insider access to our best financial tools and content Caret RightMain Menu Loan Home Improvement Real estate Selling a home Buying a home Finding the right agent Additional resources Elevate your Bankrate experience Get insider access to our best financial tools and content Caret RightMain Menu Insurance Insurance Car insurance Homeowners insurance Other insurance Company reviews Elevate your Bankrate experience Get insider access to our best financial tools and content Caret RightMain Menu Retirement Retirement Retirement plans & accounts Learn the basics Retirement calculators Additional resources Elevate your Bankrate experience Get insider access to our best financial tools and content Advertiser Disclosure
Advertiser Disclosure
We are an independent, advertising-supported comparison service. Our goal is to help you make smarter financial decisions by providing you with interactive tools and financial calculators, publishing original and objective content, by enabling you to conduct research and compare information for free - so that you can make financial decisions with confidence.
Bankrate has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover. How We Make Money
The offers that appear on this site are from companies that compensate us. This compensation may impact how and where products appear on this site, including, for example, the order in which they may appear within the listing categories. But this compensation does not influence the information we publish, or the reviews that you see on this site. We do not include the universe of companies or financial offers that may be available to you. SHARE: On This Page
John Coletti/Getty Images June 07, 2022 Checkmark Bankrate logo How is this page expert verified? At Bankrate, we take the accuracy of our content seriously. "Expert verified" means that our Financial Review Board thoroughly evaluated the article for accuracy and clarity. The Review Board comprises a panel of financial experts whose objective is to ensure that our content is always objective and balanced. Their reviews hold us accountable for publishing high-quality and trustworthy content. Sara Coleman is an insurance contributor at Bankrate. She has a couple of years of experience in writing for insurance domains such as The Simple Dollar, Reviews.com, Coverage.com and numerous other personal finance sites. She writes about insurance products such as auto, homeowners, renters and disability. Mariah Posey is an auto and homeowners insurance writer and editor for Bankrate.com. She aims to make the insurance journey as convenient as possible by keeping the reader at the forefront of her mind in her work. Mark Friedlander is director of corporate communications at III, a nonprofit organization focused on providing consumers with a better understanding of insurance. Bankrate logo The Bankrate promise
At Bankrate, we strive to help you make smarter financial decisions. To help readers understand how insurance affects their finances, we have licensed insurance professionals on staff who have spent a combined 47 years in the auto, home and life insurance industries. While we adhere to strict editorial integrity, this post may contain references to products from our partners. Here's an explanation of how we make money. Our content is backed by LLC, a licensed entity (NPN: 19966249). For more information, please see our Insurance Disclosure. Bankrate logo The Bankrate promise
Founded in 1976, Bankrate has a long track record of helping people make smart financial choices. We’ve maintained this reputation for over four decades by demystifying the financial decision-making process and giving people confidence in which actions to take next. Bankrate follows a strict , so you can trust that we’re putting your interests first. All of our content is authored by and edited by , who ensure everything we publish is objective, accurate and trustworthy. Our insurance team is composed of agents, data analysts, and customers like you. They focus on the points consumers care about most — price, customer service, policy features and savings opportunities — so you can feel confident about which provider is right for you. We guide you throughout your search and help you understand your coverage options. We provide up-to-date, reliable market information to help you make confident decisions. We reduce industry jargon so you get the clearest form of information possible. All providers discussed on our site are vetted based on the value they provide. And we constantly review our criteria to ensure we’re putting accuracy first. Bankrate logo Editorial integrity
Bankrate follows a strict , so you can trust that we’re putting your interests first. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. Key Principles
We value your trust. Our mission is to provide readers with accurate and unbiased information, and we have editorial standards in place to ensure that happens. Our editors and reporters thoroughly fact-check editorial content to ensure the information you’re reading is accurate. We maintain a firewall between our advertisers and our editorial team. Our editorial team does not receive direct compensation from our advertisers. Editorial Independence
Bankrate’s editorial team writes on behalf of YOU – the reader. Our goal is to give you the best advice to help you make smart personal finance decisions. We follow strict guidelines to ensure that our editorial content is not influenced by advertisers. Our editorial team receives no direct compensation from advertisers, and our content is thoroughly fact-checked to ensure accuracy. So, whether you’re reading an article or a review, you can trust that you’re getting credible and dependable information. Bankrate logo How we make money
You have money questions. Bankrate has answers. Our experts have been helping you master your money for over four decades. We continually strive to provide consumers with the expert advice and tools needed to succeed throughout life’s financial journey. Bankrate follows a strict , so you can trust that our content is honest and accurate. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. The content created by our editorial staff is objective, factual, and not influenced by our advertisers. We’re transparent about how we are able to bring quality content, competitive rates, and useful tools to you by explaining how we make money. Bankrate.com is an independent, advertising-supported publisher and comparison service. We are compensated in exchange for placement of sponsored products and, services, or by you clicking on certain links posted on our site. Therefore, this compensation may impact how, where and in what order products appear within listing categories. Other factors, such as our own proprietary website rules and whether a product is offered in your area or at your self-selected credit score range can also impact how and where products appear on this site. While we strive to provide a wide range offers, Bankrate does not include information about every financial or credit product or service. Bankrate logo Insurance Disclosure
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. The cheapest car insurance company in Jacksonville, Fla., is State Farm, according to Bankrate’s study of quoted annual premiums. Florida is typically an expensive state for auto insurance, given the volatile weather conditions and high volume of drivers on the roadways. Jacksonville is no exception, with the average cost of car insurance in Jacksonville being $2,503 annually for full coverage, or $209 per month, and $886 annually for minimum coverage. These rates are well-above the 2022 at $1,771 per year for full coverage and $545 per year for minimum coverage. Compare rates and save on auto insurance today! Get quotes Close X RatesRates keep going up in 2022. Compare rates and save on auto insurance today! Get quotes Close X This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions. Compare auto insurance rates
Answer a few questions to see personalized rates from top carriers. Save on auto insurance with quotes from trusted providers like: Drivers switch & save an average of $750+/year Arrow Right Are you overpaying for auto insurance? Arrow Right Safe drivers choose Allstate Arrow Right Powered by Coverage.com (NPN: 19966249) Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. See more providers in Choose from insurers in Show More RATE INCREASE ALERT Rates increased up to 12% this year
Shop for a better rate before you renew your current policy. This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions. Compare auto insurance rates
Answer a few questions to see personalized rates from top carriers. Save on auto insurance with quotes from trusted providers like: Drivers switch & save an average of $750+/year Arrow Right Are you overpaying for auto insurance? Arrow Right Safe drivers choose Allstate Arrow Right Powered by Coverage.com (NPN: 19966249) Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. See more providers in Choose from insurers in Show More The higher coverage costs likely lead many drivers to seek the most affordable rates possible. While it may be tempting to only select a provider based on the cheapest rates, insurance professionals advise taking a more comprehensive approach and reviewing several factors rather than price alone. This ensures you find the right coverage for your budget. Best cheap car insurance companies in Jacksonville
The in Jacksonville offering the cheapest rates are national providers — State Farm, Geico, Allstate and Progressive — according to Bankrate’s 2022 analysis of rates from Quadrant Information Systems. In addition to reviewing rates, a Bankrate Score is calculated for each provider. Bankrate’s proprietary scoring system weighs many factors, including an insurance provider’s coverage and discount options, third-party ratings like those from J.D. Power and A.M. Best and assigns a Score out of five points. This provides a well-rounded view of not only the , but the best car insurance in Jacksonville overall. Insurance company Bankrate Score (Florida region) Average annual premium for full coverage Average annual premium for minimum coverage 4.7 823/1,000 $1,860 $568 4.7 848/1,000 $1,986 $652 4.0 846/1,000 $2,511 $913 4.4 822/1,000 $2,722 $1,196 Geico
Geico, the based on market share according to the Insurance Information Institute (Triple-I), ranks at the top for cheapest average rates in Jacksonville based on our study, but does not perform as well in the 2021 J.D. Power auto customer satisfaction survey. Its J.D. Power score comes in at 823 out of 1,000 points, which is below the regional average and indicates there may be room for improvement in some areas. Where Geico does excel is the volume of discounts it offers for a variety of categories. From military members and affiliation discounts to good student and paperless statements, Geico has a multitude of ways to save on premiums. Learn more: State Farm
State Farm, the largest U.S. auto insurer, ranks second for the cheapest average rates in Jacksonville of providers included on our list. In addition to the cheapest rates, State Farm also tops J.D. Power rankings for customer satisfaction in the Florida region. State Farm boasts an A++ (Superior) financial strength rating from AM Best, the highest level possible, which indicates its strong historical ability to pay out claims so you can have higher confidence in the provider when you need it most. State Farm is also a good option for consumers who like to shop for their insurance in person, as it has an exclusive network of agents throughout Northeast Florida. Learn more: Allstate
Allstate offers competitive rates in Jacksonville and also ranks high in the J.D. Power customer satisfaction survey. The scores 846 out of 1,000 points, indicating higher customer service marks in Florida. While Allstate does not have the least expensive average rates among the companies included on our list, it does offer numerous discounts, including multi-policy and claims-free savings. For those drivers who like to shop for insurance in person, the company has a network of exclusive and independent agents throughout the Jacksonville area. Learn more: Progressive
Progressive is the third-largest U.S. auto insurance provider according to the Triple-I. Although it ranks fourth overall for the cheapest average car insurance companies in Jacksonville and has a higher average premium than the city-wide average, Progressive is known for its budget-conscious offerings. For example, its Name Your Price tool lets you find a policy tailored to your desired budget. While Progressive has the highest average premiums of the four providers, there are many discounts available, such as policy bundling and young driver discounts. Learn more: How to get and keep the cheapest car insurance in Jacksonville
Finding the cheapest car insurance companies is one task, but keeping the cheapest rates possible is another. Finding and maintaining the cheapest car insurance in Jacksonville involves a couple of steps. Find the right coverage limits. Carefully review all available coverage options to determine how much you may want to purchase in addition to what’s legally required. While you may not purchase all the options offered, you should make sure your coverage is adequate enough to prevent as many out-of-pocket expenses as possible in the event of a claim, as a major loss can be financially devastating. Review coverage after major life events. Experiencing a big life event, such as relocating, getting married, buying a new home or having a child, often presents an ideal time to either shop or review your coverage. Your auto insurance needs shift throughout your life, which means you may be able to find new ways to save. Frequently asked questions
What is the best car insurance company
There are a wide range of providers to choose from, but the is the one closely suited to your individual needs. Comparing multiple national and regional providers is an effective method for finding the right coverage, including comparing coverage options, discounts, third-party customer service rankings and financial strength ratings.
How can I lower my car insurance rates in Jacksonville
There are several methods for obtaining the most affordable rates for car insurance in Jacksonville, including comparison shopping among numerous providers, taking advantage of discounts and carefully selecting only coverage you determine necessary for your needs. You can also review and find the most cost-effective amount for your budget.
How can I get car insurance online
Most reputable insurance companies, including the best car insurance companies in Jacksonville, have options for obtaining quotes and purchasing a policy online. To do so, you simply need to enter your basic personal information, including the driver’s license numbers and birthdates of everyone who will be listed on the policy, as well as the vehicle identification number (VIN), and carefully review coverage options before selecting your policy. Methodology
Bankrate utilizes Quadrant Information Services to analyze 2022 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits: $100,000 bodily injury liability per person $300,000 bodily injury liability per accident $50,000 property damage liability per accident $100,000 uninsured motorist bodily injury per person $300,000 uninsured motorist bodily injury per accident $500 collision deductible $500 comprehensive deductible To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers own a 2020 Toyota Camry, commute five days a week and drive 12,000 miles annually. These are sample rates and should only be used for comparative purposes. Bankrate Score
Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. We know it is important for drivers to be confident their financial protection covers the likeliest risks, is priced competitively and is provided by a financially-sound company with a history of positive customer support. To determine how well the best car insurance companies satisfy these priorities, third-party agency ratings from , , , NAIC, and Moodys had the most impact on the companies’ Bankrate Scores. As price is a common consideration for drivers, we analyzed quoted premiums based on 40-year-old male and female drivers with a 2019 Toyota Camry. This profile, assessed across more than 35,000 ZIP codes in the U.S., provided a basis on which drivers may compare each provider. While coverage options, insurer availability, affordability and customer experience are often the top priorities, Bankrate also analyzed each insurer’s online and mobile resources for policy management and claims handling. Insurance is rapidly evolving to keep pace with our digital world, so these aspects also carried weight in determining Bankrate Scores. SHARE: Sara Coleman is an insurance contributor at Bankrate. She has a couple of years of experience in writing for insurance domains such as The Simple Dollar, Reviews.com, Coverage.com and numerous other personal finance sites. She writes about insurance products such as auto, homeowners, renters and disability. Mariah Posey is an auto and homeowners insurance writer and editor for Bankrate.com. She aims to make the insurance journey as convenient as possible by keeping the reader at the forefront of her mind in her work. Mark Friedlander is director of corporate communications at III, a nonprofit organization focused on providing consumers with a better understanding of insurance. Related Articles