Cheapest Car Insurance Quotes in Jacksonville

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Jacksonville Car Insurance

^$ 22

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

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

Table of Contents

How Much Is Car Insurance in Jacksonville

The car insurance rate in Jacksonville is $715 for a six-month policy, which is $47 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $255, making it a popular choice for budget-conscious drivers. Rates in Jacksonville can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Jacksonville

$715

Avg. Car Insurance in Ohio

$668

National Average

$1140

Cheapest Car Insurance Companies in Jacksonville

1st place: American Family

At $255 for a six month policy, American Family offers the cheapest auto insurance rates in the city.

2nd place: AutoOwners Insurance Co

AutoOwners Insurance Co offers auto insurance rates at $407 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Travelers

Travelers offers auto insurance rates at $636 for six months, making it the third cheapest auto insurance company in Jacksonville.

Jacksonville Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Jacksonville, OH is American Family, offering policies at just $255 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $407.

At the higher end of the spectrum, Westfield is the most expensive, with rates reaching $813 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Jacksonville drivers find the best deals.

Cheap Car Insurance Companies in Jacksonville, OH

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$255	$43
Auto-Owners Insurance Co	$407	$67
Travelers	$636	$108
Erie	$642	$108
State Farm	$648	$110
USAA	$648	$109
Hastings Mutual	$661	$112
Nationwide	$668	$112
Central Mutual	$769	$131
Progressive	$776	$131
Farmers	$941	$159
Grange	$1005	$167
Allstate	$1150	$194
Westfield	$813	$138

Key Takeaways

Way's key takeaways about car insurance in Jacksonville

The auto insurance costs in Jacksonville fall around $255 for six months.
The cheapest auto insurance company in Jacksonville is American Family.
Teen drivers pay the highest rate in Jacksonville at $756 per month.

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Cheapest Minimum Liability Car Insurance in Jacksonville

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Jacksonville are given below.

American Family provides the cheapest minimum car insurance coverage in Jacksonville. Their Average 6 Month Premium is $134. Allstate is the most expensive at $483 for the same period.

Cheapest Liability Coverage in Jacksonville, OH

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$134	$22
Central Mutual	$147	$25
Auto-Owners Insurance Co	$159	$27
Westfield	$165	$28
USAA	$171	$29
Erie	$190	$32
State Farm	$210	$35
Progressive	$229	$39
Nationwide	$255	$43
Travelers	$266	$45
Auto-Owners	$279	$47
Farmers	$356	$61
Grange	$387	$64
Allstate	$483	$81

Cheapest Full Coverage Car Insurance in Jacksonville

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Jacksonville is American Family at $43 per month and $255 for six months.

Cheapest Full Coverage Car Insurance Quotes in Jacksonville, OH

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$255	$43
Auto-Owners Insurance Co	$407	$67
Travelers	$636	$108
Erie	$642	$108
State Farm	$648	$110
USAA	$648	$109
Hastings Mutual	$661	$112
Nationwide	$668	$112
Central Mutual	$769	$131
Progressive	$776	$131
Farmers	$941	$159
Grange	$1005	$167
Allstate	$1150	$194
Westfield	$813	$138

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Average Car Insurance in Jacksonville by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Jacksonville, OH increasing?

Despite maintaining a clean driving record, your car insurance rates in Jacksonville, Ohio, may be increasing due to several external factors. Ohio has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Jacksonville's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Jacksonville

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	USAA	$577
30s	USAA	$408
40s	USAA	$370
50s	USAA	$342
60s	USAA	$360
70s	USAA	$435

Cheapest Car Insurance Rates for Teen Drivers in Jacksonville,OH

If you are planning to get a car insurance policy for your teenage dependent, American Family provides the cheapest car insurance in the Jacksonville at $24 per month. At $4449 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$140	$24
Westfield	$171	$29
USAA	$884	$149
Erie	$941	$158
Travelers	$1150	$194
Nationwide	$1792	$302
Progressive	$1799	$303
Allstate	$2447	$412
State Farm	$2638	$448
Grange	$2911	$485
Farmers	$4449	$756

Teen Car Insurance Rates in OH by Age

Way Tip

If you are in your twenties USAA is the best choice for car insurance in Jacksonville.

As young drivers face the highest rates in Jacksonville, USAA offers the cheapest auto insurance rates at $577 for six months.

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Jacksonville, American Family is the cheapest car insurance provider. At $216 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Jacksonville is Allstate, offering rates of around $1837 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$216	$36
Westfield	$273	$46
Nationwide	$724	$122
Erie	$750	$126
Progressive	$750	$126
USAA	$813	$136
Grange	$832	$140
Allstate	$1837	$306

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Car Insurance Rates with An Accident in Jacksonville

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Jacksonville, OH, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Jacksonville

The cheapest car insurance companies after an at-fault accident in Jacksonville include Central Mutual and American Family, offering $147 and $165, respectively. Frankenmuth is an expensive provider with an average six-month premium of $261.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Central Mutual	$147	$25
American Family	$165	$28
Auto-Owners Insurance Co	$255	$43
Westfield	$255	$43
Erie	$350	$59
Nationwide	$731	$123
Travelers	$979	$165
Grange	$1226	$209
USAA	$1290	$217
Auto-Owners	$1455	$245
Progressive	$2060	$347
Allstate	$2428	$409
State Farm	$4881	$813
Frankenmuth	$261	$44

Jacksonville Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Jacksonville OH. For example, the car insurance in Jacksonville after a DUI increases to $744 for a six month policy. While the rate increases by $165 for a six-month policy in the case of a speeding ticket.

Jacksonville auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$782	$131
One Med/PIP claim	$800	$136
Not-at-fault accident	$813	$136
One comp claim	$832	$141
Two Med/PIP claims	$832	$139
Two comp claims	$871	$148
Failure to show documents	$877	$147
Driving without lights	$897	$152
Failure to wear a seat belt	$897	$150
Child safety restraint	$915	$155
Driving with expired registration	$915	$153
Driving too slowly	$947	$161
Speeding 11 - 15 MPH over limit	$947	$158
Speeding 6 - 10 MPH over limit	$947	$161
Speeding in school zone	$947	$158
Cell phone violation	$953	$163
Failure to yield	$953	$159
Following too closely	$953	$163
Illegal turn	$953	$159
Texting while driving	$953	$163
Wrong way/wrong lane	$953	$159
Failure to stop at a red light	$960	$164
Improper passing	$966	$161
Speeding 16 - 20 MPH over limit	$966	$165
At-fault accident - less than $1000	$998	$166
Passing school bus	$1005	$171
Speeding 21 - 25 MPH over limit	$1029	$171
In 65 MPH zone	$1042	$178
At-fault accident - $1000-$2000	$1150	$192
At-fault accident - greater than $2000	$1157	$197
Open container	$1157	$193
Operating a vehicle without permission	$1163	$198
Reckless driving	$1474	$246
Racing	$1500	$255
Refusal to submit to a chemical test	$1500	$250
Driving with a suspended license	$1513	$257
DUI	$1526	$255
Leaving scene of an accident/hit and run	$1570	$266

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Jacksonville after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Jacksonville.

The cheapest car insurance premiums in Jacksonville are offered by American Family at $165 for a six-month policy. However, it can be as expensive as $1608 with companies like Grange.

Jacksonville car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$165	$28
Erie	$495	$83
Travelers	$528	$89
Progressive	$616	$104
USAA	$642	$108
Nationwide	$934	$157
State Farm	$1023	$174
Farmers	$1271	$212
Allstate	$1557	$262
Grange	$1608	$268

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Jacksonville are offered by American Family at $165. However, it can be as expensive as $1442 with companies like Grange for a similar six-month premium.

Cheapest Car Insurance in Jacksonville after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$165	$28
Auto-Owners Insurance Co	$165	$28
Westfield	$178	$30
Erie	$369	$62
USAA	$584	$97
Nationwide	$610	$103
Progressive	$642	$108
Allstate	$1398	$238
Grange	$1442	$241

Car Insurance Price Trends in Jacksonville, Ohio

Car insurance rates in Jacksonville have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Jacksonville rose by $127 in December compared to $124 of November. In other words, there has been an increase by $3 when you compare December and November.

The average cost of liability insurance in the Jacksonville rose to $39 in December, compared to $37 in November. This represents an increase of $2 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Jacksonville?

The car insurance in Jacksonville is $22 per month, which is lower than the national average.

What is the cheapest car insurance in Jacksonville?

The cheapest car insurance in Jacksonville is $43 per month for full coverage.

How much is car insurance in Jacksonville for teenagers?

Car insurance for teenagers costs $140 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Jacksonville?

The average cost of car insurance is $668 for a six-month policy. It will cost around $120 per month to insure your car in Jacksonville.

Is car insurance expensive in Jacksonville?

Car insurance can be expensive in Jacksonville if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Jacksonville can be affordable.

Cheapest Car Insurance Quotes in Jacksonville

Why you can trust Way?

How Much Is Car Insurance in Jacksonville

Avg. Car Insurance in Jacksonville

Avg. Car Insurance in Ohio

National Average

Cheapest Car Insurance Companies in Jacksonville

1st place: American Family

2nd place: AutoOwners Insurance Co

3rd place: Travelers

Jacksonville Car Insurance Rates by Company

Cheap Car Insurance Companies in Jacksonville, OH

Way's key takeaways about car insurance in Jacksonville

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Jacksonville

Cheapest Liability Coverage in Jacksonville, OH

Cheapest Full Coverage Car Insurance in Jacksonville

Cheapest Full Coverage Car Insurance Quotes in Jacksonville, OH

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Jacksonville by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Jacksonville, OH increasing?

Car Insurance Premiums by Age in Jacksonville

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Jacksonville,OH

If you are in your twenties USAA is the best choice for car insurance in Jacksonville.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Jacksonville

Cheapest Car Insurance Companies after an At-Fault Accident in Jacksonville

Jacksonville Car Insurance Rates by Violation

Jacksonville auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Jacksonville after a DUI

Jacksonville car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Jacksonville after Speeding ticket

Car Insurance Price Trends in Jacksonville, Ohio

Average Car Insurance Cost in Jacksonville by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Jacksonville, OH

Car Insurance Rates by State in the USA (2025 Update)

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Data Sources