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Jacksonville is the largest city by area in the United States. This means there would be more vehicles on the road, and the chances of accidents are high. That’s why you need comprehensive car insurance in Jacksonville. has strived hard to find info on affordable car insurance rates for those who commute by car in Jacksonville.

Whether you live in LaVilla or San Marco, we can assist you in accessing the best car insurance in Jacksonville, FL.

How Much Does Car Insurance Cost In Jacksonville?

Jacksonville Rates Vs Florida Vs United States Averages

In Jacksonville, the average cost for auto insurance is $2460 per year, and this is lower than the Florida average of $2600 and higher than the national average of $1540. Our Jacksonville car insurance guide includes average rates based on credit score, age, driving history, and marital status.

Jacksonville (Annual average) Florida (Annual average) United States
$1640 $1350 $1540

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What Would Increase Your Car Insurance Rate In Jacksonville?

Crime, vehicle theft, and uninsured drivers differ by ZIP code. That's why your location in Jacksonville plays a major role in deciding your car insurance rates, along with your credit score and driving history.

If you live in a neighborhood with a high crime and theft rate, car insurance companies will consider you a high risk. And your insurance rates may be higher than your neighbor down the street. Car insurance rates in Jacksonville follows the same rule.

Auto Theft Statistics In Jacksonville

Although Jacksonville is the largest city in Florida, the car theft rate is comparatively lower than in other cities like Tampa and Miami. Last year, the city reported close to 1250 stolen cars.

Accidents Statistics In Jacksonville

Florida is one of the most dangerous states in the United States for car drivers, and the same applies to Jacksonville. In 2020, more than 210 deadly crashes took place in Jacksonville, making it one of the most dangerous cities to drive in the country.

Useful Info for Driving in Jacksonville

The I-10 starts at Santa Monica and ends here. Interstate 10 and Interstate 95 intersect in Jacksonville, making it one of the busiest freeway interchanges in the region. The I-295, an auxiliary route of I-95, covers the entire downtown area.

CAR: If you plan to drive around Jacksonville in your car, use Google Maps to navigate. Use parking apps like to pre-book affordable parking. On, you can compare the parking rates facilities offered and choose the best spot near you.

RIDESHARING APPS: If you’re someone who prefers ridesharing apps to get around Jacksonville, here’s a list you can use:

  • Scoop
  • Lyft
  • Uber

Jacksonville Transport Authority (JTA) : The JTA is responsible for Jacksonville's public transit and roadways infrastructure. It has 220 buses in its fleet and runs on 56 routes. Using a STAR card, passengers can access the buses. JTA offers reduced fares to senior citizens and university students.

Skyway: The JTA operates the Jacksonville Skyway, and it comprises two routes across 2.5 miles. It serves eight stations and crosses the St. Johns River on the Acosta Bridge. There is currently no fare to ride the Skyway.

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Car Insurance Companies in Jacksonville

If you own a car and drive it, you need auto insurance. Every car owner in Jacksonville needs auto insurance for protection, and Florida law requires it.

Here are the top car insurance companies in Jacksonville:

Car insurance companies in Jacksonville
Allied AFI
Accepted Insurance 21st Century
All State Amica Mutual Insurance
AssuranceAmerica Auto Owners
Bristol West Cinch
Dairy Land Direct Auto
Esurance FIMC
Foremost GAINSCO
Infinity Jupiter Auto
KAI Liberty Mutual
Nationwide Mendota
Mercury MetLife
Statefarm Stillwater
Titan Travelers

Auto Insurance Data Methodology

The auto insurance rates published in this guide are based on the results of research completed by’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.

Quotes are typically based on a full coverage policy average unless otherwise noted within the content.

These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with


What is the average cost of car insurance in Jacksonville, FL?

The average cost of car insurance in Jacksonville is $2460 per year or $205 per month.

How much is car insurance in Jacksonville, Florida?

On average, drivers in Jacksonville pay a car insurance premium of $2460 per year. This can change based on the car, credit score, driving history, gender, and marital status.

Is car insurance high in Jacksonville, Florida?

The average cost for auto insurance is $2460 per year in Jacksonville. This is lower than the Florida average ($2600) and higher than the national average of $1540.

Learn more by city and state for car insurance

Learn more by city and state for car insurance

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