Jacksonville Auto Insurance Rates, Quotes, Agents & Reviews in FL

Jacksonville, FL Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Jacksonville, FL, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.

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How to Save on Car Insurance in Jacksonville, FL

The state of Florida is the 18th most affordable state in the U.S. to buy car insurance. Jacksonville is the most populous city in Florida. The U.S. Census Bureau estimates the population of Florida to be around one million. A large population inevitably means a large number of car owners. The average cost of auto insurance in Jacksonville is $1,497, which is lower than most neighboring locations such as Jacksonville East, Bellair Meadowbrook Terrace, Jacksonville North, Lakeside, and Jacksonville West. The average cost of car insurance in Jacksonville is higher than the average cost of car insurance in Florida. In such circumstances, lowering the rate of insurance would require a lot of comparison and analysis. It is common knowledge that even a minor accident on one’s driving record can increase the cost of insurance.


Jacksonville also has a relatively high rate of auto thefts. While Florida is third on the list of auto thefts in the country, Jacksonville ranks 118th on a list of 380 cities. A high rate of auto theft results in increased car insurance premiums. Demographics also play a crucial role in determining the cost of car insurance. Teenagers, in general, pay the most on car insurance, and Jacksonville is no exception. Some ways to save more on auto insurance are listed below.

Multi-car Insurance:

Car owners with multiple vehicles can improve savings by insuring all their vehicles with the same auto insurance company. Multi-car insurance policies can greatly help in reducing the cost of auto insurance. The cost of insuring two vehicles in Jacksonville is $2,575. This can help in improving savings to $419. Car owners here can save up to $838 on multi-car insurance policies.

Student Discounts:

Lots of insurance companies provide discounts to young student drivers. This also depends on a good grade point average. Some car insurance companies also provide discounts between 8-10 percent to drivers under the age of 21, called driver training discount.

Green Discounts:

With the advent of technology to help determine the cost of insurance based on miles drives, insurance companies have also started offering better discounts to drivers who drive below a certain limit, hence contributing to a reduction in emissions. Car insurance companies also provide discounts to owners who own hybrid and electric vehicles, since this contributes to the reduction in emissions as well.

While looking to lower the cost of car insurance, it is also essential to remember to strike a balance between your requirements and the cost. The cost of car insurance is influenced by numerous factors, ranging from micro-level factors such as the street one lives into macro-level factors such as the make of the car. It would also be smart to look into the best insurance companies in Jacksonville and Florida before arriving at a decision.

Factors that can influence the cost of car insurance in Jacksonville, FL are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.

Jacksonville, FL Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in Jacksonville, FL with that of other cities in and around Jacksonville.

Jacksonville Jacksonville East Bellair-Meadowbrook Terrace Jacksonville North Lakeside Jacksonville West
Average Insurance Rates $1,497 $2,169 $2,084 $2,139 $2,137 $2,077

Jacksonville, FL Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top

The following table makes a comparison of the variation in car insurance rates in and around Jacksonville, FL based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.

Location Low Deductible ($500) High Deductible ($1000)
Jacksonville $1,067 $901
Duval County $1,125 $950
Jacksonville West $1,063 $898
Jacksonville East $1,676 $1,415
Bellair-Meadowbrook Terrace $2,464 $2,081
Jacksonville North $1,019 $860
Nassau Village-Ratliff $1,707 $1,442
Lakeside $1,783 $1,506

Jacksonville, FL Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Jacksonville, FL usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.

Age of Driver Insurance Cost
Teens $4,858
20 Years $1,923
30 Years $1,482
40 Years $1,425
50 Years $1,320
60 Years $1,338
70 Years $1,558

Jacksonville, FL Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Jacksonville, FL can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:

Number of Cars Auto Insurance Cost Total Savings
2 Vehicles $2,575 $419
3 Vehicles $3,862 $629
4 Vehicles $5,150 $838

Savings on 2 Vehicles bundle:$419

Savings on 3 Vehicles bundle:$629

Savings on 4 Vehicles bundle:$838

Jacksonville, FL Post- DUI Auto Insurance Rates | Back to Top

Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Jacksonville, FL.

Location Average Insurance Cost Post DUI Insurance Rate
Jacksonville $1,497 $2,343
Duval County $1,512 $2,366
Jacksonville West $2,077 $3,251
Jacksonville East $2,169 $3,395
Bellair-Meadowbrook Terrace $2,084 $3,262
Jacksonville North $2,139 $3,348
Nassau Village-Ratliff $2,105 $3,294
Lakeside $2,137 $3,345

Jacksonville, FL Auto Insurance Rates Based on Credit Score | Back to Top

Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.

Credit Score Insurance Cost
Exceptional (800-850) $1,284
Excellent (740-799) $1,466
Good (670-739) $1,560
Average (580-669) $2,035
Poor (300-579) $2,442

Jacksonville, FL Auto Insurance Agents | Back to Top

Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.

Agent Name Company Agent Address Contact Details
New Jax City Insurance None 9943 Beach Blvd, Jacksonville, 32246 None
Eastside Insurance Center Inc None 3101 N Main St, Jacksonville, 32206 None
Mosley And Associates Inc Travelers 1249 CASSAT AVE, JACKSONVILLE, 32205 904-384-5535
Sandi Muhich Insurance Agency, Llc None 2255 Dunn Ave Ste 601-A, Jacksonville, 32218 None
Greene-Hazel & Associates Inc Travelers 10739 DEERWOOD PARK BLVD STE 200, JACKSONVILLE, 32256 904-398-1234
Elna Coble Allstate 6011-8 103rd St, Jacksonville, 32210 (904) 771-1404
Vonnie Wiggins State Farm 11757 Beach Blvd Ste 7, Jacksonville, 32246-6633 904-641-0090
Insurance Office Of America Inc Travelers 1 Sleiman Parkway St 130, Jacksonville, 32216 None

Jacksonville, FL Auto Insurance Rates can Increase Based on Driving Violations | Back to Top

Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.

Driving Violation Cost Increase Total Insurance Cost
Driving Without Headlights +$66 $1,563
Driver's Failure In Showing Documents +$145 $1,642
Driving With An Expired Registration +$154 $1,651
Driving At A Considerably Slow Pace +$325 $1,822
Using A Cellphone While Driving +$343 $1,840
Running A Red Light +$349 $1,846
Speeding +$367 $1,864
Driving A Vehicle Without The Required Permission +$466 $1,963
Driving With An Expired/Suspended License +$1,009 $2,506

Jacksonville, FL Auto Insurance Rates Based on Anti-Theft Feature | Back to Top

Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.

Anti Theft Feature Insurance Cost
Audible Alarm $1,437
Active Disabling Device $1,437
Tracking Device $1,407
Passive Disabling Device $1,392

Latest Auto Insurance Reviews in Jacksonville, FL | Back to Top

customer is good with Progressive they alwasy explain things in details and patient
Liberty Mutual
They clearly offer the bundle package, so we've taken advantage of that. I believe they do offer a loyalty discount and accident forgiveness.
American National Property And Casualty Company
Our needs are modest,We compared prices years ago, but haven't compared rates recently, because the cost of the policy hasn't increase much over the years.
Liberty Mutual
I'm very satisfied with Liberty Mutual because their customer service is better and their prices are better than the other companies I've tried. I do think they are a bit difficult when it's time to make a claim, but just a bit.
Liberty Mutual
I'm very satisfied with Liberty Mutual because their customer service is better and their prices are better than the other companies I've tried. I do think they are a bit difficult when it's time to make a claim, but just a bit.
I like that this provider uses the web for everything(even in the old times when the internet wasn't that big as it is now) so I don't need to talk to anybody in person or over the phone for most of the situations.
I think Geico is the number one company insurance. I really am satisfied with this company. It has great customer service and very professional. They do what they promise, and you do not follow them because they really care of you and your car.
I believe their premium is perfectly fine, although, compared to other companies, it surely could be a little better. Still, I get that there's competition and hopefully that will make things better in the long run.
Safeco Insurance
I am quite satisfied with the service that I receive from my provider. The reps are knowledgeable and get things done for me via the phone, I get the questions answered.
I like USAA because they have great customer service, great rates, always helpful, useful app, fast response time, and world wide coverage.
I wish I would save more money. Like if I havent had any accidents or tickets I get rewarded through USAA. I don't know how, but I dish out 90ish dollars a month for what?
Overall, convenience and price are the two biggest reasons to choose this company. One doesn't have to go to an insurance agent and can, instead, deal directly with the company.
People's Trust Insurance
Low rates. As a senior their rates are affordable. They also have excellent customer service and road side assistance. Each time calling they are nice and help us with any questions we may have.
They are comparable in terms of price. I think that the policy pricing is fair
The company is always very responsive and communicative when I have an issue. They call back and check on how things are going with a repair or whatever the situation is.
A more expensive.Steadily rising rates and not much to show for it in terms of activity from us.
It is easy to get in contact with the company, people are friendly and helpful. Everything has gone smoothly and I am saving money. No complaints thus far.