Cheapest Car Insurance Quotes in Jacksonville

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Jacksonville Car Insurance

^$ 39

/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 $834 for a six-month policy, which is $26 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $374, 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

$834

Avg. Car Insurance in Oregon

$860

National Average

$1140

Cheapest Car Insurance Companies in Jacksonville

1st place: Kemper

At $374 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.

2nd place: Capital Insurance Group

Capital Insurance Group offers auto insurance rates at $594 for a six-month policy, making it one of the cheapest to insure with.

3rd place: American Family

American Family offers auto insurance rates at $697 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, OR is Kemper, offering policies at just $374 for a six-month term. This is followed by Capital Insurance Group, which has an average six-month premium of $594.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1533 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, OR

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$374	$64
Capital Insurance Group	$594	$99
American Family	$697	$117
Country Financial	$715	$120
Travelers	$743	$125
Progressive	$766	$129
Encompass	$784	$133
State Farm	$801	$135
Nationwide	$813	$137
USAA	$813	$137
Mutual of Enumclaw	$1078	$183
Farmers	$1141	$192
Allstate	$1533	$258

Key Takeaways

Way's key takeaways about car insurance in Jacksonville

The auto insurance costs in Jacksonville fall around $374 for six months.
The cheapest auto insurance company in Jacksonville is Kemper.
Teen drivers pay the highest rate in Jacksonville at $908 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.

Kemper provides the cheapest minimum car insurance coverage in Jacksonville. Their Average 6 Month Premium is $231. Allstate is the most expensive at $835 for the same period.

Cheapest Liability Coverage in Jacksonville, OR

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$231	$39
Capital Insurance Group	$306	$52
State Farm	$329	$55
USAA	$340	$57
Progressive	$357	$60
Travelers	$357	$60
Country Financial	$363	$61
American Family	$398	$67
California Casualty	$437	$73
Nationwide	$461	$78
Farmers	$617	$104
Allstate	$835	$141

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 Kemper at $64 per month and $374 for six months.

Cheapest Full Coverage Car Insurance Quotes in Jacksonville, OR

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$374	$64
Capital Insurance Group	$594	$99
American Family	$697	$117
Country Financial	$715	$120
Travelers	$743	$125
Progressive	$766	$129
Encompass	$784	$133
State Farm	$801	$135
Nationwide	$813	$137
USAA	$813	$137
Mutual of Enumclaw	$1078	$183
Farmers	$1141	$192
Allstate	$1533	$258

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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, OR increasing?

Despite maintaining a clean driving record, your car insurance rates in Jacksonville, Oregon, may be increasing due to several external factors. Oregon 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	$619
30s	USAA	$504
40s	USAA	$468
50s	USAA	$449
60s	USAA	$468
70s	USAA	$568

Cheapest Car Insurance Rates for Teen Drivers in Jacksonville,OR

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Jacksonville at $36 per month. At $5393 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$213	$36
Capital Insurance Group	$363	$60
Country Financial	$962	$162
Travelers	$1274	$214
USAA	$1348	$227
State Farm	$1435	$242
American Family	$1965	$331
Progressive	$2224	$374
Nationwide	$3763	$640
Farmers	$5352	$901
Allstate	$5393	$908

Teen Car Insurance Rates in OR 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 $619 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, Kemper is the cheapest car insurance provider. At $386 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 State Farm, offering rates of around $2944 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$386	$64
Capital Insurance Group	$449	$77
Nationwide	$559	$93
Country Financial	$899	$151
Progressive	$927	$156
American Family	$1101	$185
Travelers	$1199	$202
USAA	$1527	$260
Allstate	$2628	$437
Farmers	$2673	$455
State Farm	$2944	$491

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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, OR, 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 Kemper and Capital Insurance Group, offering $306 and $363, respectively. Allstate is an expensive provider with an average six-month premium of $2403.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$306	$50
Capital Insurance Group	$363	$62
Capital	$409	$68
Encompass	$455	$78
State Farm	$605	$102
Travelers	$703	$118
USAA	$721	$121
Country Financial	$790	$133
Progressive	$835	$141
Nationwide	$922	$155
American Family	$980	$165
Farmers	$1907	$321
Allstate	$2403	$404

Jacksonville Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Jacksonville OR. For example, the car insurance in Jacksonville after a DUI increases to $604 for a six month policy. While the rate increases by $218 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	$813	$136
One Med/PIP claim	$813	$138
Not-at-fault accident	$841	$141
One comp claim	$858	$146
Two Med/PIP claims	$870	$145
Failure to wear a seat belt	$927	$158
Two comp claims	$951	$158
Child safety restraint	$962	$164
Failure to show documents	$962	$160
Driving without lights	$968	$165
Driving with expired registration	$991	$165
Speeding 11 - 15 MPH over limit	$1031	$176
Speeding 16 - 20 MPH over limit	$1031	$172
Speeding 6 - 10 MPH over limit	$1031	$176
Cell phone violation	$1037	$173
Driving too slowly	$1037	$177
Failure to yield	$1037	$173
Following too closely	$1037	$177
Illegal turn	$1037	$173
Texting while driving	$1037	$177
Wrong way/wrong lane	$1037	$173
Failure to stop at a red light	$1043	$178
Improper passing	$1043	$174
Passing school bus	$1083	$184
Speeding in school zone	$1083	$180
In 65 MPH zone	$1101	$187
Speeding 21 - 25 MPH over limit	$1106	$184
Open container	$1141	$194
At-fault accident - less than $1000	$1170	$195
Operating a vehicle without permission	$1176	$200
At-fault accident - $1000-$2000	$1245	$208
At-fault accident - greater than $2000	$1245	$211
Refusal to submit to a chemical test	$1394	$233
Racing	$1400	$238
DUI	$1417	$237
Reckless driving	$1423	$242
Driving with a suspended license	$1435	$240
Leaving scene of an accident/hit and run	$1481	$252

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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 Capital Insurance Group at $421 for a six-month policy. However, it can be as expensive as $2264 with companies like Nationwide.

Jacksonville car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Capital Insurance Group	$421	$72
Kemper	$519	$86
Progressive	$657	$111
State Farm	$835	$141
Travelers	$841	$142
American Family	$1049	$177
USAA	$1141	$192
Country Financial	$1319	$222
Farmers	$1838	$309
Allstate	$1954	$329
Nationwide	$2264	$385

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 Kemper at $282. However, it can be as expensive as $2242 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Jacksonville after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$282	$48
Capital Insurance Group	$340	$58
Nationwide	$461	$77
State Farm	$496	$83
Country Financial	$726	$122
Progressive	$726	$122
American Family	$743	$125
Travelers	$858	$145
USAA	$858	$144
Allstate	$1878	$319
Farmers	$2242	$373

Car Insurance Price Trends in Jacksonville, Oregon

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 $186 in December compared to $183 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 $69 in December, compared to $67 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 $39 per month, which is lower than the national average.

What is the cheapest car insurance in Jacksonville?

The cheapest car insurance in Jacksonville is $64 per month for full coverage.

How much is car insurance in Jacksonville for teenagers?

Car insurance for teenagers costs $213 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 $860 for a six-month policy. It will cost around $141 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.

What is the best car insurance in Jacksonville, OR?

The best car insurance company in Jacksonville OR is Kemper, offering $374 for a six-month policy.