News Summary
Drivers in Jacksonville seeking affordable auto insurance can benefit from competitive rates offered by Travelers. With average monthly premiums as low as $53 for liability coverage and $156 for full coverage, Travelers leads the market. Other providers, including State Farm and Nationwide, follow with varying rates influenced by driving records and locations. Young drivers also have options tailored to their needs. As insurance requirements vary in Florida, understanding coverage options is essential for making informed decisions.
Jacksonville drivers looking for affordable auto insurance have a clear frontrunner in Travelers, which offers the cheapest liability coverage in the city at an average of $53 per month. This competitive pricing continues when it comes to full coverage insurance, as Travelers also provides the lowest rates at $156 per month. These findings come from a comprehensive analysis conducted by Way.com’s data team, which evaluates auto insurance premiums across various ZIP codes in the United States.
Following Travelers for liability-only insurance is State Farm, which charges an average of $64 per month. Other options include Mercury at $73, Nationwide at $82, and Farmers at $113. In the realm of full coverage, the second cheapest rate is offered by Nationwide at $160, trailed by State Farm at $177, United Automobile Insurance Group at $235, and Progressive at $245.
The choice of insurance provider can significantly influence monthly premiums, particularly when factoring in driving records. Traffic violations in Jacksonville can lead to increased insurance costs. For instance, drivers without any violations pay an average of $313 per month, while the figures escalate with various infractions. For a not-at-fault accident, the average cost is $339, while failure to wear a seatbelt increases it to $354. More serious violations, such as speeding or driving under the influence (DUI), can see premiums rise dramatically, with DUI-associated insurance rates averaging $474 monthly.
Additionally, young drivers and their families may want to consider Geico, which offers the cheapest minimum liability coverage for teen drivers in Jacksonville at $79 per month after a speeding ticket, and a full coverage plan at $378 per month. State Farm also provides a competitive rate for drivers with recent speeding violations at $173, which is 45% lower than the citywide average.
For those with poor credit seeking full coverage, the United Automobile Insurance Company presents an attractive alternative, averaging about $226 per month. The geographical differences in insurance rates are notable as well, with the ZIP code 32227 recognized for offering the lowest insurance costs at an average of $239 per month for full coverage. In contrast, the 32208 area is cited as the most expensive, with averages reaching $280.
Insurance requirements differ by location, and Florida operates under no-fault insurance laws. Drivers are mandated to carry at least $10,000 in property damage liability coverage and $10,000 in personal injury protection (PIP) coverage. Most insurance specialists advise drivers, especially those with vehicles valued over $5,000, to opt for full coverage for better financial security.
The current average auto insurance rates in Florida are estimated to be $118 per month for minimum coverage and $269 for full coverage in 2025, highlighting the varied landscape of auto insurance costs. Geico holds a competitive stance in the market, presenting the cheapest full-coverage policy in Jacksonville at just $144 per month, which is 46% less than the average citywide rate of $267.
As Jacksonville drivers navigate their options, the differences in rates caused by provider choice, driving history, and location can significantly impact their insurance costs. As the market continues to evolve, understanding these elements will enable drivers to make informed decisions when selecting the best insurance coverage for their needs.
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Additional Resources
- WOKV: Car Insurance Rates in Jacksonville
- Wikipedia: Auto Insurance
- ValuePenguin: Best Cheap Car Insurance in Jacksonville
- Google Search: Car Insurance Jacksonville
- News4Jax: Fire at JAX Hourly Garage
- Google Scholar: Auto Insurance Florida
- MarketWatch: Average Cost of Car Insurance in Florida
- Encyclopedia Britannica: Insurance
- Action News Jax: Car Insurance Rates in Florida
- Google News: Auto Insurance Florida
Author: STAFF HERE JACKSONVILLE WRITER
The JACKSONVILLE STAFF WRITER represents the experienced team at HEREJacksonville.com, your go-to source for actionable local news and information in Jacksonville, Duval County, and beyond. Specializing in "news you can use," we cover essential topics like product reviews for personal and business needs, local business directories, politics, real estate trends, neighborhood insights, and state news affecting the area—with deep expertise drawn from years of dedicated reporting and strong community input, including local press releases and business updates. We deliver top reporting on high-value events such as the Jacksonville Jazz Festival, Riverside Arts Market, and World of Nations Celebration. Our coverage extends to key organizations like the Jacksonville Chamber of Commerce and JAXUSA Partnership, plus leading businesses in logistics, healthcare, and entertainment that power the local economy such as CSX Corporation, Baptist Health, and VyStar Credit Union. As part of the broader HERE network, including HEREOrlando.com, HEREStPetersburg.com, HERETallahassee.com, and HERETampa.com, we provide comprehensive, credible insights into Florida's dynamic landscape.
